Authorised Payment Institution (API/PI)

Authorised Payment Institution is the full-permission payment-institution tier for payment services such as remittance, acquiring, account issuing and execution of payment transactions. The current API/PI card is Malta-based, so review the MFSA permission schedule, safeguarding model and EEA operating assumptions in that specific file. New API files can take months because governance, AML, safeguarding and financial projections are scrutinised together. A ready-made Malta API can shorten the route only when the buyer profile, control change and banking continuity line up with the regulator's expectations.

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Payment & EMI Licences • Malta

Ready-made Maltese Authorised Payment Institution (API) for Sale

Price: On request
Timeline: By request

A live, MFSA-regulated Maltese Authorised Payment Institution (API) for sale - profitable a…

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API and PI files are about safeguarded payment flow, not only the licence label.

An authorised payment institution file should be read through the activities it can actually support: acquiring, payment initiation, account information, remittance, card programme support or a narrower PSP role. SKY7 checks the permission set against safeguarding, outsourcing and banking before a buyer treats the listing as usable.

The category is strongest when the buyer already knows which payment services it will run and which parts will stay with external providers. A clean handover note should separate licence transfer, regulator notification, safeguarding accounts, AML ownership and technical provider continuity.

API and PI buyer questions

Route checks before a buyer compares live files.

Can an API or PI file support all payment services immediately?

No. The actual scope depends on the permissions, regulator record, safeguarding setup and provider contracts attached to the file. SKY7 maps the intended activity before recommending a specific entity.

What should be checked before reserving a payment institution?

Confirm the authorisation scope, current directors, AML officer, safeguarding arrangements, bank or EMI relationships, outsourcing agreements and any regulator correspondence.

When is a new application cleaner than buying a ready-made PI?

A new filing can be cleaner when the buyer needs a different activity mix, ownership profile or technology stack. A ready-made file is useful when timing and existing authorisation outweigh that flexibility.

Start an application

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We respond with a jurisdiction shortlist, a working timeline, and a fixed price. No templates, no generic decks.

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