Authorized Payment Institution (API) for Sale in Spain

Fully Licensed EU Payment Company with Passporting Rights & Remittance Infrastructure

Zitadelle AG is pleased to offer a fully licensed Authorized Payment Institution (API) in Spain for acquisition. This is a rare opportunity to acquire a regulated EU payment company with established infrastructure, active operations, and cross-border remittance capabilities.

The company specializes in international money transfers between the European Union and Cuba, while also supporting broader payment and e-commerce services across the EU.

Overview of the Spanish Authorized Payment Institution for Sale

• Jurisdiction: Spain

• License Type: Authorized Payment Institution (API)

• Regulatory Status: Fully authorised and compliant with EU regulations

• Passporting Rights: Yes – services can be provided across the European Economic Area (EEA)

• Additional Registration: Canadian MSB (Money Services Business)

This structure allows the buyer to operate a regulated fintech business in both Europe and North America, significantly reducing time-to-market.

Core Business Activities

Cross-Border Money Transfers

The company operates a live remittance platform facilitating transfers between the EU and international corridors, including Cuba.

Supported payment channels:

• Visa and MasterCard processing

• SEPA and EU bank transfers

• Instant payments via integrated providers

Multiple Payout Methods

End-users benefit from flexible delivery options:

• Bank account transfers

• Cash pick-up through partner networks

• Debit card loading (ATM and POS usage)

• Airtime top-up via global telecom integrations

E-Commerce & Merchant Solutions

With over 10 years of experience, the company also provides:

• Secure online payment processing

• Merchant acquiring support

• Payment gateway integrations

Compliance & Regulatory Strength

The company is fully aligned with European regulatory requirements, including:

• EU AML/CFT compliance frameworks

• Data protection standards (GDPR-aligned processes)

• Transaction monitoring and risk controls

• Licensed card processing partnerships

Additional infrastructure includes:

• Trustly integration for instant bank payments

• Proxy-based payment routing solutions for flexibility

This makes the business fully operational and audit-ready, minimizing regulatory onboarding risks for the buyer.

Operational Setup

• Team: 12 experienced professionals (ready to continue post-acquisition)

• Technology: Scalable payment platform with established integrations

• Client Base: Existing European customers and remittance users

• Banking Relationships: Established and operational

The company offers a turnkey solution for investors seeking immediate entry into the EU payments market.

Strategic Advantages of Acquiring an EU API

Acquiring a licensed payment institution in Spain provides:

• Immediate access to the European fintech market

• Ability to passport services across all EU/EEA countries

• A compliant structure for scaling remittance, neobank, or payment solutions

• Reduced regulatory approval timelines compared to new applications

Growth Opportunities

This platform is well-positioned for expansion:

new remittance corridors beyond Cuba

• Expansion into broader EU and North American markets

• Launch of additional fintech products (wallets, IBANs, cards)

• Automation of compliance and transaction monitoring systems

• Scaling merchant acquiring and e-commerce services

Who Should Consider This Acquisition?

This opportunity is ideal for:

• Fintech startups seeking a ready-made EU license

• Payment service providers expanding into Europe

• Crypto/FX businesses requiring regulated fiat rails

• Investment groups targeting regulated financial infrastructure

• Remittance operators looking to scale internationally

Financial Information

Detailed financials, transaction volumes, and revenue data are available upon request, subject to NDA.

Why Work with Zitadelle AG?

Zitadelle AG specializes in regulated fintech acquisitions, licensing, and advisory services across Europe, Asia, and offshore jurisdictions. We support clients throughout the entire transaction lifecycle, including:

• Due diligence

• Regulatory structuring

• Post-acquisition compliance setup

• Expansion strategy

Enquire About This Payment Institution for Sale

If you are looking to acquire a licensed payment institution in Europe, this is a unique opportunity to enter the market with an operational, compliant, and scalable business.

Contact Zitadelle AG today to receive further details, financials, and transaction terms.