Deploy your own Payment Infrastructure Global
Payment institution regulations are constantly evolving and operating without the right structure represents a critical risk to your capital. At Paynfinity, we don't just process registrations; we set up solid legal and operational foundations designed to meet today's requirements and protect your assets for the long term.
We analyse the nature of your project and the actual transactional flow to implement the exact SPI licence your business needs. We assess your operating model, target jurisdictions and risk profile to structure a defensible application covering capital requirements, corporate governance and AML procedures. No off-the-shelf solutions: we deliver an efficient, secure operation designed to scale internationally and backed by leading financial regulators.
SPI solutions for Any Vertical
Not all payment institutions operate under the same risk; there is a precise legal architecture for their activity. We design the SPI structure that correspondent banks and international payment networks demand, ensuring that your cash flow is stable, scalable and free of operational bottlenecks.
SPI Approval Guaranteed
Initial thorough analysis to ensure that the technical dossier is accepted by the regulator at the first attempt.
Fully digital management. We coordinate the defence of your licence before the financial authority without mandatory travel.
Banking Operations Guarantee
Unlike traditional consultancies, at Paynfinity we secure your payment infrastructure. We don't just deliver a register; we guarantee the bank connection and the activation of safeguard accounts to get you up and running from day one.
Payment Infrastructure Ready to Operate
Regulatory Protocols
We developed specific compliance manuals, risk policies and bylaws for the management of third party funds, strictly aligned with the financial regulator.
Official Regulatory Address
We establish the physical operational base required by regulations. We include the economic substance management and local liaison services needed to pass the audits of the supervisory body.
Financial Operator Registration
We obtain the necessary tax identification codes and financial operator registrations (EIN/VAT/LEI) so that your entity can legally settle taxes and process international transfers.
Safeguard Framework
We deliver structured technical documentation for second tier banks. This kit guarantees to pass the most demanding compliance process for the operational activation of your safe custody accounts.
Key questions about your SPI Licence
We know that obtaining an international financial licence creates uncertainty. Here we answer critical questions about deadlines, requirements and compliance before you start. No small print.
What is the minimum share capital required for a full SPI licence?
For a licensed Payment Institution, the regulations require an initial paid-up capital of between £20,000 and £125,000, depending on the specific services to be provided (as per PSD2). This capital must be available and justified prior to submission of the application to the regulator.
How does an SPI differ from a full Banking Licence?
An IPS cannot take deposits from the public or extend credit. Its function is limited to payment processing and execution. It is a more affordable licence in terms of capital and timing, ideal for remittance operators, payment gateways and transactional processors with no need for lending activity.
Do I need my own software or can I use a White Label solution?
Can operate with third party technology solutions (white label), provided it demonstrates operational control, access to audit logs and real-time AML compliance capability. The regulator assesses technical governance, not code ownership.
Does the SPI licence include 'Passporting' to other countries?
Yes. An SPI licence issued in any EEA country allows you to operate in all 30 countries of the European Economic Area by passporting. No need for additional licences per jurisdiction, only registration of cross-border activity with each national supervisor.