EMI With Direct SEPA and SWIFT Access For Sale
EMI With Direct SEPA and SWIFT Access For Sale. A licensed Electronic Money Institution in Central & Eastern Europe is available for acquisition. The asset combines a payment-infrastructure platform with a marketplace layer that aggregates businesses for sale, enabling end-to-end onboarding, transaction flow and business transfers in a single environment. Direct SEPA connectivity via CENTROlink and direct SWIFT settlement remove intermediary banks and give the operator full control over euro and cross-border payments.
Key features
▪ Direct SEPA via CENTROlink — SEPA Credit Transfer, Instant Payments and Direct Debit, on central bank infrastructure ▪ Direct SWIFT settlement for non-euro corridors ▪ Marketplace layer for business sales, with deal flow routed through the institution’s own rails ▪ White-label, embeddable architecture for fintechs and platforms
Regulatory scope
The institution holds the full EMI permission set: ▪ Execution of payment transactions — transfers of funds, direct debits (one-off and recurring), card payments, credit transfers and standing orders ▪ Issuing of payment instruments and acquiring of payment transactions ▪ Issuing of electronic money ▪ Distribution and redemption of electronic money
Why it matters
Most EMIs in the EU clear euro payments indirectly, through a commercial bank intermediary. Direct CENTROlink membership removes that dependency and places settlement on central bank rails. Combined with the marketplace layer, the asset sits at the intersection of regulated payments infrastructure and the business-transfer ecosystem — a positioning very few operators occupy.
Indicative terms
▪ Asking price: EUR 4,500,000 ▪ Regulatory / own funds capital not included — reimbursed at completion, euro-for-euro on the closing balance ▪ 100% share deal, free and clear of encumbrances, with all licences, agreements and IP transferring with the entity ▪ Subject to satisfactory due diligence and regulatory non-objection ▪ Strictly named-buyer basis under NDA
Buyer profile
Payment groups, fintech consolidators, marketplace operators and PE-backed payment platforms seeking an immediate CEE licensed footprint with operating capability.
Process
FintechLex SA acts as exclusive M&A advisor on the transaction. Reference: FLX-EMI-CEE-26-04. Qualified buyers may request the full Information Memorandum under NDA at insight@fintechlex.com
— René-Philippe FintechLex SA · Venture Capital Studio
EMI With Direct SEPA and SWIFT Access For Sale
