License types
Mai bayar da sabis na biya
Ƙungiyoyi masu biyan kuɗi da kamfanonin sabis na kudi: canja wurin, aikawa, karɓa da fara biyan kuɗi. Sun yi wa'adin biya amma ba za su iya bayar da bashi ko bashi ba. An kwatanta a cikin tsarin 51. Lambar ita ce mafi ƙarancin doka daga kowane mai kulawa; bukatun hannun jari na gaskiya sune mafi girma.
| Jurisdiction | Lasisi | Minimum capital | Layin lokaci | Risk |
|---|---|---|---|---|
| Austria Europe (EU) | Banki FMA | EUR 125,000 | FMA na yanke shawara cikin watanni uku na karɓar aikace-aikacen ko duk bayanan da ake buƙata (ZaDiG 2018 s. 9(4)) | Standard |
| Belgium Europe (EU) | Licence as a payment institution NBB | EUR 125,000 | NBB na yanke shawara cikin watanni 3 na tabbatar da fayil din ya cika kuma ba da daɗewa ba bayan watanni 12 bayan gabatarwa | Standard |
| Cyprus Europe (EU) | CBC | EUR 125,000 | Watan uku daga wani aikace-aikacen cikakke (PSD2 art. 12) | Standard |
| Estonia Europe (EU) | Finantsinspektsioon | EUR 125,000 | Mataki a cikin watanni 3 na duk takardu da bayanai, kuma ba da daɗewa ba bayan watanni 6 bayan shigar da shi | Standard |
| France Europe (EU) | Agrément as a payment institution (établissement de paiement) ACPR | EUR 125,000 | 3 watanni daga wani fayil cikakke (ACPR) | Standard |
| Germany Europe (EU) | Licence to provide payment services (Zahlungsinstitut) BaFin | EUR 125,000 | BaFin ta sanar da mai neman a cikin watanni 3 na shigarwa (ZAG § 10(3)) | Standard |
| Ireland Europe (EU) | Bankin Cibiyar Ingila | EUR 125,000 | Standard Service: assessment stage within 90 business days (clock stops while waiting for the applicant); PSD2 art. 12 sets 3 months from a complete application | Standard |
| Italy Europe (EU) | Banca d'Italia | EUR 125,000 | PSD2 Art. 12: shawara cikin watanni 3 na shigar da takardar | Standard |
| Lithuania Europe (EU) | Board of the Bank of Lithuania | EUR 125,000 | 3 watanni daga wani cikakke aikace-aikace; 2 watanni ga dakatar da-aiki lasisi (fadada da 2 watanni a kan gabatar da karin bayani) | Standard |
| Luxembourg Europe (EU) | CSSF | EUR 125,000 | Mataki a cikin watanni 3 na wani cikakke aikace-aikace da kuma a kowace hanya a cikin watanni 12, in ba haka ba ana ɗaukar ya ki (art. 7) | Standard |
| Malta Europe (EU) | MFSA | EUR 125,000 | MFSA ya kamata a yanke hukunci cikin watanni uku na karɓar aikace-aikacen cikakke (FIR/01 para 43 zuwa 44; PSD2 art. 12) | Standard |
| Netherlands Europe (EU) | DNB | EUR 125,000 | PSD2 Art. 12: shawara cikin watanni 3 na shigar da takardar | Standard |
| Poland Europe (EU) | Authorisation as a domestic payment institution (krajowa instytucja płatnicza, KIP); registration as a small payment institution (mała instytucja płatnicza, MIP) KNF | EUR 125,000 | KNF ta yanke hukunci cikin watanni 3 na karɓar aikace-aikacen cikakke (sashe na 62(2)) | Standard |
| Portugal Europe (EU) | Banco de Portugal | EUR 125,000 | PSD2 Art. 12: shawara cikin watanni 3 na shigar da takardar | Standard |
| Spain Europe (EU) | Payment institution authorisation (entidad de pago) Banco de España | EUR 125,000 | Mataki a cikin watanni 3 na karɓar ko kammala fayil; tsananin sauti yana nufin rashin amincewa (RDL 19/2018 art. 11(2)) | Standard |
| Gibraltar Europe (non-EU) | Ma'aikatar biyan kudi (Sashe na 7 izinin) GFSC | EUR 125,000 | Ba'a wallafa ba | Standard |
| Isle of Man Europe (non-EU) | Class 8(2) money transfer services license (payment services) IOMFSA | Not published | IOMFSA sabis standard na watanni 6 daga wani cikakke shiri na ayuka; mafi tsawo idan ba'a cika ko matsalolin sun zo | Standard |
| Jersey Europe (non-EU) | Shigar da aikace-aikacen kasuwancin sabis na kudi JFSC | Not published | Ba'a wallafa ba | Standard |
| Liechtenstein Europe (non-EU) | FMA Liechtenstein | CHF 125,000 | An yanke hukunci a cikin watanni uku na karɓar aikace-aikacen ko bayanin da ya cika; an ki idan bai cika ba bayan watanni goma sha biyu | Standard |
| United Kingdom Europe (non-EU) | FCA | EUR 125,000 | FCA ya kamata a tabbatar da cikakkun aikace-aikace cikin watanni 3 da kowane aikace-aikace cikin watanni 12 na karɓar (PSRs 2017 reg. 9) | Standard |
| Bahrain Middle East | Central Bank of Bahrain | BHD 250,000 | Ba'a wallafa ba | Standard |
| Qatar (QFC) Middle East | QCB lasisin mai bayar da sabis na biyan kuɗi, nau'in II (daban-daban sabis na biyan kuɗi, babu kudin abokin ciniki) Qatar Central Bank | QAR 2,000,000 | Gwamna zai yanke hukunci cikin kwanaki 60 bayan an cika dukkan sharuddan ba da lasisi | Standard |
| United Arab Emirates (onshore) Middle East | Bankin Cibiyar na UAE | AED 100,000 | Ba'a wallafa ba | Standard |
| United Arab Emirates: Abu Dhabi Global Market (ADGM) Middle East | FSRA | Category 3C: capital requirement is the higher of the PRU 3.3 Base Capital Requirement and an activity-based measure: expenditure-based minimum for currency exchange, EBCM plus Variable Capital Requirement for remitters, VCR under PRU 3.6A.4 for payment services or 3.6A.6 for stored value providers | Ba'a wallafa ba | Standard |
| United Arab Emirates: Dubai International Financial Centre (DIFC) Middle East | Ba da sabis na kudi (asusun biyan kuɗi, zirga-zirgar biyan kuɗi, kayan aikin biyan kuɗi: Nau'in 3D; Canja wurin Kudi kawai: Nau'in 4) DFSA | USD 200,000 | Ba'a wallafa ba | Standard |
| Australia Asia-Pacific | ASIC | Not published | Ba'a wallafa ba | Standard |
| Hong Kong Asia-Pacific | Ma’aikatar Shari’a | Not published | Ba'a wallafa ba | Standard |
| Japan Asia-Pacific | FSA (ta hanyar ofishin kudi na yankin) | Not published | Ba'a wallafa ba | Standard |
| New Zealand Asia-Pacific | Ƙaƙwalwar mai bayar da sabis na kudi (sabobin biyan kuɗi, canja wurin kuɗaɗe, fitar da kayan aikin biyan kuɗi, musayar waje) Masu rajista na masu ba da sabis na kuɗi (Kamfani Office) | Not published | Ba'a wallafa ba | Standard |
| Philippines Asia-Pacific | BSP | Not published | Ba'a wallafa ba | Standard |
| Singapore Asia-Pacific | MAS | SGD 250,000 | Ba'a wallafa ba | Standard |
| Singapore Asia-Pacific | MAS | SGD 100,000 | Ba'a wallafa ba | Standard |
| Singapore Asia-Pacific | MAS | Not published | Ba'a wallafa ba | Standard |
| Korea ta Kudu Asia-Pacific | FSC | KRW 300,000,000 | Ba'a wallafa ba | Standard |
| Antigua and Barbuda Americas & Caribbean | Ma’aikatar Shari’a ta Jihar Kano | Not published | Ba'a wallafa ba | Standard |
| Argentina Americas & Caribbean | rajistar masu bayar da sabis na biyan kuɗi, ciki har da PSP waɗanda ke ba da lissafin biyan kuɗi (PSPCP) Bankin Cibiyar Kasashen Afirka | Not published | Ba'a wallafa ba | Standard |
| Bahamas Americas & Caribbean | Central Bank of The Bahamas | BSD 100,000 | Ba'a wallafa ba | Standard |
| Barbados Americas & Caribbean | Bankin Cibiyar Barbados | BBD 50,000 | Ba'a wallafa ba | Standard |
| Barbados Americas & Caribbean | Ma’aikatar Kudi bisa shawara daga Bankin Cibiyar na Barbados | Not published | Ba'a wallafa ba | Standard |
| Bermuda Americas & Caribbean | Bermuda Monetary Authority | Not published | Ba'a wallafa ba | Standard |
| Bolivia Americas & Caribbean | Manajan katin waya na lantarki Bankin Duniya | Paid-in capital in bolivianos equal to UFV 2,500,000 (art. 358). | Ba'a wallafa ba | Risk mai girma |
| Brazil Americas & Caribbean | Ma'aikatar biyan kuɗi: mai fitar da kayan aiki na biyan kuɗi, mai karɓa ko mai fara biyan kuɗi Bankin Duniya | BRL 9,200,000 | Ba'a wallafa ba | Standard |
| British Virgin Islands Americas & Caribbean | Lasisi na bayar da kuɗaɗe da sabis na kudi, Nau'in A (mai watsa kuɗi) da Nau'in B (aikace-aikacen kuɗi, biyan kuɗaɗe, musayar kudi) Financial Services Commission | USD 10,000 | Ba'a wallafa ba | Risk mai girma |
| Canada Americas & Caribbean | Bankin Kanada (Ma'aikatar Kudi ta kasa) | Not published | Ba'a wallafa ba | Standard |
| Cayman Islands Americas & Caribbean | Cayman Islands Monetary Authority | KYD 30,000 | Ba'a wallafa ba | Standard |
| Chile Americas & Caribbean | Operador de tarjetas de pago (card payment operator or acquirer) Comisión para el Mercado Financiero (registration); Banco Central de Chile (rules) | CLF 10,000 | Ba'a wallafa ba | Standard |
| Curaçao Americas & Caribbean | Shigar da kudi St. Maarten | Not published | CBCS ta yanke hukunci cikin kwanaki 60 na karɓar aikace-aikacen cikakke da kuɗin aikace-aikacen (sashe na 5(2)). | Standard |
| Dominica Americas & Caribbean | Sashen Ayyuka na Kudi | Not published | Ba'a wallafa ba | Standard |
| Mauritius Africa | Bank of Mauritius | Not published | Ba'a wallafa ba | Standard |
| Seychelles Africa | Central Bank of Seychelles | Not published | Ba'a wallafa ba | Standard |
| Afurka ta Kudu Afrika | Bankin Tarayyar Afirka ta Kudu (aikin rajista ya motsa daga PASA zuwa SARB a ranar 2 ga watan Satumba, 2026) | Not published | Ba'a wallafa ba | Standard |
An lissafa tushe a kan kowace fuska na doka. Bayani kawai, ba shawara ta doka ba.