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Editorial notes

Notes from Licensed EMIs

  1. 2026-05-13T10:05:06+00

    Spotting a Defunct or Withdrawn EMI Licence

    Learn how to verify whether an e-money institution holds active authorisation, restricted permissions, or a withdrawn licence. A verification-led guide for consumers and businesses.

  2. 2026-05-13T10:05:06+00

    How to Verify an EMI's Licence Status in Five Steps

    Follow this five-step verification checklist to confirm an e-money institution holds a valid European licence before using its services.

  3. 2026-05-13T10:05:06+00

    Red Flags When Checking an Electronic Money Institution

    Five concrete warning signs that an e-money institution may not be legitimate: register mismatches, expired safeguarding statements, regulator notices, withdrawn passporting, and recent permission changes.

  4. 2026-05-13T10:05:06+00

    EMI Licence Reference Numbers: What They Mean and How to Verify

    Learn what Firm Reference Numbers and equivalent licence identifiers mean, how to verify them against official registers, and how to spot counterfeits.

  5. 2026-05-13T10:05:06+00

    Authorised vs Registered: What Payment Firm Status Really Means

    Learn the legal difference between authorised EMIs, registered small EMIs, AISPs, and agents. Understand how to verify a payment firm's true regulatory status across Europe.

  6. 2026-05-11T18:27:09+00

    How an e-money licence withdrawal happens

    The regulatory process, the public record, and what a consumer can verify at each stage.

  7. 2026-05-11T18:27:09+00

    Identifying a verified e-money institution

    What the consumer can confirm directly, and what requires reference to the public register.

  8. 2026-05-11T18:27:09+00

    Six factual signals worth noting in an e-money firm's public record

    Observable features of a register entry that warrant closer examination.

  9. 2026-05-11T18:27:09+00

    The verification cadence: how often we check

    The frequency and method by which each underlying register is consulted, and how staleness is bounded.

  10. 2026-05-11T18:27:09+00

    What small-EMI status means for safeguarding

    The prudential and operational requirements that apply to small EMIs, and the consumer-facing implications.