Company with SPI licence in Poland for sale - COREDO

Company with SPI licence in Poland for sale

General Information

A small payment institution (SPI) licensed in Poland is a convenient, beneficial solution for entrepreneurs planning to operate on a larger scale, to test in advance their technical solutions and the demand for their services in the regulated and supervised financial market of one jurisdiction. This form of payment service provision can be recommended, for example, for various start-ups in the FinTech industry. After testing its capabilities, the SPI licence can always be extended to NPI (National Payment Institution) and be authorised to provide payment services throughout the European Union.

We offer our clients the opportunity to acquire a company with an SPI licence with software integration and a valid bank account in Poland. Such payment organisation will be able to provide the following set of services:

  • accept and withdraw cash from the payment account;
  • perform actions necessary for maintaining the account;
  • make transfers to bank accounts in various ways;
  • issue payment instruments;
  • provide acquiring services.

Small payment organisations in Poland have transaction limits – the monthly amount of payment transactions must not exceed EUR 1,500,000. In addition, a customer can keep no more than EUR 2,000 in the accounts of one small payment institution.

If the limits are exceeded, SPI is obliged to apply for an NPI licence within 30 days of the exceeding. After the application is submitted, SPI can operate as an NPI and continue to exceed the limits, although it does not formally have this status yet. 

Main advantages of a company with an SPI licence 

The company has already been registered and has a licence from the Polish Financial Supervision Authority (KNF).

The company has already been registered and has a licence from the Polish Financial Supervision Authority (KNF).

Ability to provide payment services in Poland without hindrance.

Ability to provide payment services in Poland without hindrance.

Availability of prepared and legalised internal AML/CFT documentation.

Availability of prepared and legalised internal AML/CFT documentation.

The company has no outstanding debts and obligations to third parties.

The company has no outstanding debts and obligations to third parties.

The company has no pending or ongoing court cases or inspections by public authorities.

The company has no pending or ongoing court cases or inspections by public authorities.

Availability of a corporate bank account in a Polish bank. 

Availability of a corporate bank account in a Polish bank. 

Possibility to obtain a registered SEPA code (CID) within 30 days.

Possibility to obtain a registered SEPA code (CID) within 30 days.

Possibility to obtain a registered code for payment services for 30 days.

Possibility to obtain a registered code for payment services for 30 days.

Cost

The cost of a ready-made small payment organisation (SPI) with a licence is 240 000 EUR.

Cost

What is included in the offer

  • company (Sp. z o.o.) opened in 2022;
  • executed SPI licence;
  • authorised capital in the amount of PLN 5,000, which can be increased if necessary;
  • open bank accounts;
  • integration with banks;
  • integration with other payment systems (e.g. Stripe).

COREDO specialists guarantee the fastest execution and full support of the transaction.

What is included in the offer
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