Ready-made payment system (SPI)
DESCRIPTION
Small Payment Institution / SPI – is a company whose permanent activity is the provision
of payment services.
The definition of payment services includes:
- the execution of payment transactions,
- the transfer of cash to payment accounts,
- the withdrawal of cash from payment accounts, the transfer of money and other
payment services.
A payment organization with a license obtained in Poland can provide a full range of
payment services in other EU countries without the need for additional licensing.
SPI - is a solution for entrepreneurs who, when planning to operate on a larger scale
(as a National Payment Institution - NPI), would like to test the operation of their solutions
in a regulated and supervised financial market in advance.
Starting activities in the field of payment services as an SPI will allow the entrepreneur to
adequately test his capabilities, as well as technical solutions, and make a decision to
switch to a National Payment Institution / NPI.
This form of payment service provision is therefore primarily recommended for all types of
start-ups, especially those from the Fin-Tech industry.
The average total amount of payment transactions executed by SPI during the previous 12
months, including the agents through which it provides payment services, shall not exceed
the equivalent of EUR 1,500,000 per month.
We offer our clients SPI companies with software integration and a bank account in Poland.
TYPES OF SERVICE
SPI can provide the following payment services:
- accepting cash payments, withdrawing cash from the payment account and any
actions necessary to maintain the account;
- carrying out payment transactions, including transfer of funds to bank accounts:
а) by using a payment card or similar payment instrument,
b) by providing transfer services, including standing orders;
Comprehensive SPI Payment Solutions
- payments transactions referred to above with the funds made available to the user on
credit;
- the issuance of payment instruments;
- enabling the acceptance of payment instruments and the execution of payment
transactions initiated by or through the merchant using the payer’s payment
instrument, consisting in particular in the handling of authorizations, sending the
payer’s or merchant’s payment orders to the issuer of the payment instrument or
payment systems, aimed at transferring to the merchant the funds owed to it,
excluding activities consisting in clearing and settlement of these transactions within
the framework of a payment system within the meaning of the Act on settlement
finality (acquiring).
WHAT IS INCLUDED:
- company (LLC / Sp. z o.o.) established in 2022;
- SPI license obtained;
- share capital in the amount of PLN 5,000 (may be increased);
- opened bank accounts;
- integration with banks;
- integration with other payment systems (e.g. Stripe),
- fast transfer and full support.
PRICE
The cost of selling a company with an SPI license is EUR 240.000.
UPGRADE TO NPI LICENSE
A small payment organization is a good tool for creating a national payment organization on
its basis - NPI, and thereby expand the scope of services and increase the limits on
turnover of user funds.
OFFER SPI
You can “upgrade” a small payment system immediately after purchasing it or during its
operation, when the transaction limits exceed 1,500,000 Euros per month. Limits for SPI
are legally set at the level of 1.500.000 Euro per month. If they are exceeded, SPI is
required to apply for an NPI license within 30 days. After filing an application, SPI can
operate as an NPI, although it does not formally have this status yet. SPI can work in this
mode until the end of the application review process. After obtaining a license, the payment
institution operates in NPI mode.
The term for consideration of the application is 3 months. This period may be extended by
the Financial Supervision Commission if it is necessary to provide additional documents or
data.
PRICE
The cost of services related to obtaining an NPI license for SPI is 170.000 Euro.
Active SPI for sale in Poland
Special Offer: Fully Operational SPI Company in Poland
We are excited to present an exceptional opportunity to acquire a ready-made and fully operational SPI company in Poland. This offer includes an established entity with active bank accounts, a modest but loyal customer base, and a solid turnover, all while continuing regular operations.
Key Features:
Active Bank Accounts: The company comes with existing, active bank accounts, ensuring a smooth financial transition.
Customer Base: Enjoy a modest yet dedicated customer base, providing immediate revenue.
Good Turnover: Benefit from an ongoing, healthy turnover, demonstrating the company's viability and potential for growth.
Compliance: The entity has already completed all necessary steps to meet the License requirements, ensuring regulatory compliance.
Operational Continuity: The company is fully operational, making it a turnkey solution for investors.
Price: EUR 290,000
Comments