EMI UK- Electronic Money Institution

This is a payments platform operating across the UK and Europe, offering full issuing, acquiring, and processing services at scheme level. The business holds multiple licenses and direct scheme memberships, maintains banking and settlement infrastructure, and operates with a full team and live financials. It is now offered for a 100 % sale (currently 90 % held by the founder).

License & Services
A UK EMI license (FCA regulated) enables the issuance of e money, execution of payment transactions, issuance of payment instruments, acquiring, IBAN services, and related capabilities.
Through an agency relationship with Paynetics, the platform has permission to conduct operations across all EU countries.
The entity is a principal member of Visa, Mastercard, and American Express, enabling direct scheme issuing, acquiring, and settlement without
reliance on sponsorship.

Banking & Safeguarding
Safeguarding accounts are held with Allied Irish Bank (AIB) in Ireland, which also serves as the primary banking partner.
Settlement with Visa, Mastercard, and Amex is handled through direct settlement capabilities.
Correspondent banking and SWIFT connectivity are in place via the banking relationships.

Card Scheme & BIN Arrangement
As principal member of the major card schemes, the platform issues and acquires directly under Visa, Mastercard, and Amex.
It maintains dedicated BINs per scheme for UK traffic, and additional dedicated BINs via the Paynetics relationship for EU issuance and acquiring.

Operations & Financials
The business is live and generating revenue.
The projected annual turnover is approximately €7.5 million.
The anticipated processing volume is approximately €700 million.
The staff count is approximately 43 employees, covering compliance, operations, risk, product, and development.
The company is certified as a third party processor under Visa, Mastercard, and Amex schemes.

Payments Infrastructure & Settlement
IBAN / Banking: IBAN issuance and SEPA access are provided via a regulated third party in Bulgaria.
UK Faster Payments: Access is enabled through a third party regulated UK provider.
Proprietary integrations, gateway, and back office systems support scheme level processing and settlement.
A full organizational structure supports compliance, operations, risk, and technology.

Ownership & Transaction Structure
The founder controls 90 % of the business; the remaining shares are held by other shareholders or early investors.
The current transaction seeks acquisition of the full 100 % equity by a strategic or financial buyer.

Licensed Activities:
Services enabling cash placement on a payment account
Services enabling cash withdrawals from a payment account
Execution of payment transactions (not covered by a credit line)
Execution of payment transactions (covered by a credit line)
Issuing payment instruments or acquiring payment transactions
Money remittance
Execution of payment transactions via telecoms, IT system or network operator
Issuing Electronic Money

Conclusion:
This opportunity provides access to a payment’s platform with direct scheme-level control, full issuing and acquiring capabilities, and robust infrastructure, already in operation with meaningful volume and revenues.
The combination of licensing, scheme access, and infrastructure makes this a rare and strategic asset in payments. It is well positioned for scaling, margin improvement, and expansion into adjacent markets.