Labuan Payment System License – A Strategic Gateway to Asia’s Fintech Markets

Zitadelle AG provides expert consultancy and full-service support for fintech companies and startups looking to secure a Labuan Payment System License from the Labuan Financial Services Authority (Labuan FSA). Positioned in one of Asia’s most tax-efficient and business-friendly jurisdictions, this license enables your business to offer global digital payment solutions, including e-wallets, remittance services, and payment gateway operations.

What is a Labuan Payment System License?

A Labuan Payment System Operator License authorizes a company to operate various digital financial services under the regulatory supervision of Labuan FSA. Functionally, it is comparable to a PSP (Payment Service Provider) or EMI (Electronic Money Institution) license in Europe, allowing your business to offer:

• Digital wallet services (e-money issuance)

• Credit/debit card processing

• Merchant acquiring and payment gateways

• Cross-border remittances and fund transfers

• White-label payment solutions

License holders may choose to focus on either wallet issuance or payment processing, depending on their business model—similar to how companies in the EU tailor their operations under EMI or PSP frameworks.

Why Choose Labuan for Your Payment System License?

Labuan is a federal territory of Malaysia that offers an attractive and credible offshore financial center recognized by regulators and financial institutions worldwide.

Key Benefits of a Labuan Payment System License:

• Corporate Tax: Payment systems are taxed at 15% on audited net profits

• 100% Foreign Ownership: No local shareholding requirements

• USD-Denominated Transactions: Freedom to transact in any currency

• No Foreign Exchange Controls: Full flexibility in cross-border remittances

• Strategic Location: Ideal fintech hub for Southeast Asia, with access to ASEAN markets

• Robust Yet Flexible Regulation: Labuan FSA provides a streamlined but credible licensing process

Activities Allowed Under a Labuan Payment System License

Once licensed, your company may engage in a wide range of regulated fintech and digital finance activities, including:

• Payment processing and settlement systems

• Digital wallet and e-money issuance

• Credit and debit card acquiring

• Remittance and international money transfer services

• Merchant payment gateway integration

• White-label fintech and payment infrastructure solutions

Zitadelle AG – Your Trusted Partner in Labuan Licensing

At Zitadelle AG, we specialize in Labuan fintech licensing solutions with an end-to-end approach—from strategic planning to regulatory approval and post-license compliance.

Our Services Include:

• Feasibility study and licensing strategy tailored to your model

• Company incorporation in Labuan (Labuan IBFC)

• Preparation and submission of the complete license application

• Business plan and five-year financial projections

• Regulatory compliance manuals (AML/CFT, risk & governance)

• Liaison with Labuan FSA on your behalf

• Bank account opening support (offshore and onshore)

• Post-licensing compliance, audit, and reporting assistance

Labuan Payment License Requirements

While Labuan offers a simplified application process, applicants must meet several regulatory requirements:

Why Choose Zitadelle AG?

Choosing Labuan opens your business to the fast-growing digital finance ecosystem in Asia, while Zitadelle AG ensures you meet every regulatory requirement with precision and efficiency.

Whether you are a startup launching an e-wallet, or an established fintech expanding your payment operations, we simplify the licensing process so you can focus on your business.

Ready to Apply for a Labuan Payment System License?

Get in touch with our team at Zitadelle AG to schedule a free consultation. We’ll assess your eligibility, walk you through the licensing process, and help you set up a fully compliant payment system operation in Labuan.

Zitadelle AG – Expert Licensing Support for Fintech Companies in Asia.