Our available Estonian PI Licenses
Estonia’s Payment Institution (PI) licence, issued by Finantsinspektsioon (the Estonian Financial Supervision and Resolution Authority) under the Payment Institutions and E-money Institutions Act, authorises firms to provide regulated payment services — including payment initiation, money remittance, merchant acquiring, and card-based transactions — across the EEA via passporting under PSD2.
Key parameters: €125,000 minimum capital, a registered Estonian company, at least one resident board member, and a genuine AML/compliance operation in-country. Estonia applies no corporate tax on retained profits — the 20% rate applies only upon distribution — making it operationally efficient for growth-focused payment businesses. Finantsinspektsioon is known for a technically demanding but accessible review process.
From 9 October 2025, instant euro payment compliance is mandatory for euro-area PSPs. Verification of Payee (VoP) requirements follow for EMIs and PIs by 9 April 2027. Operators must plan for these obligations during both acquisition and post-transfer setup.
This page covers Finantsinspektsioon-licensed Estonian PI entities currently available for transfer, with a full breakdown of permitted activities, capital requirements, and post-acquisition compliance obligations.
Legasset provides complete support for both ready-made PI acquisitions and new Finantsinspektsioon applications — compliance structuring, banking setup, and EEA passport notifications.
Offer Information
Estonian Payment Institution for sale
- PIS and AIS authorizations (passporting to Latvia and Lithuania).
- Licensed Since: 2020.
- Comes with an active bank account.
- Integrated software system currently supporting 70,000 monthly transactions.
- No share capital obligations.
- Additional Benefits: Includes existing customer portfolio and domain name.
API License in Estonia
- Member of Open Banking Europe.
- Operates exclusively in Estonia (no EU passporting yet, but can be obtained with a valid business plan).
- Focused on B2C segment.
- Over 4,000 registered retail users.
Operations & Infrastructure:
- Own developed software.
- Mobile apps available for both Android and iOS.
- Currently in negotiations with two banks for white-label software integration.
- Monthly turnover: approx. €1,000.
- Monthly operational costs: approx. €1,000.
- Team of 5 employees.
Banking & Safeguarding:
- Active accounts with Swedbank, SEB, Luminor, and Coop.
- Client funds safeguarded at LHV.
Regulatory & Capital:
- Only provides account information services (no payment initiation).
- Share capital: €5,000.
