SPI in Poland (2024)

We assist in the full licensing process of obtaining a Payment Institution license in Poland.

Small payment institution can offer almost all type of payment services, that is:

keeping payment accounts (e.g., storing funds accepted from users, making cash withdrawals),
executing transfers from the account,
executing transfers from cards, or other instruments (mobile application),
executing direct debits,
issuing payment instruments (e.g. payment cards, mobile applications, BLIK),
acquiring (e.g. enabling the acceptance of card or mobile applications, BLIK),
providing money remittance services.

Its exclusive service area is Poland, which also includes the branches of small payment institutions. A client's maximum balance across all small payment institution-maintained accounts is 2,000 euros, and the total monthly average of all completed payments over the previous 12 months, including those made through agents, cannot be more than 1,500,000 euros.