Payment Company for Sale in Europe: Licensed EMI & PI Opportunities in Lithuania

Acquire a Fully Licensed Payment Institution or EMI in the EU

Zitadelle AG offers a curated selection of payment companies for sale in Europe, including fully licensed Electronic Money Institutions (EMIs) and Payment Institutions (PIs) based in Lithuania — one of the EU’s leading fintech jurisdictions.

These entities are fully operational, regulator-approved, and passported across the EEA, allowing immediate access to European markets without the delays of a new license application.

Why Buy a Payment Company Instead of Applying for a License?

Acquiring an existing payment company for sale provides significant strategic advantages:

• Immediate market entry across the European Economic Area (EEA)

• Established banking infrastructure, including IBAN issuance and SEPA connectivity

• Existing regulatory approvals with the Bank of Lithuania

• Reduced time-to-market compared to 12–18 months for new licensing

• Operational readiness, including compliance, AML, and reporting systems

For fintech startups, crypto platforms, and brokerage groups, purchasing a licensed entity is often the fastest and most efficient route into Europe.

Available Payment Companies for Sale

1. Lithuanian EMI for Sale (Premium Infrastructure)

This Electronic Money Institution for sale offers one of the most advanced infrastructures currently available in the EU.

Key Features:

• Licensed in 29 EEA countries

• Direct principal membership with Mastercard

• VISA acquiring capabilities

• SWIFT integration (in progress) and partner bank setup

• Individual LT IBAN accounts for clients

• SEPA and SEPA Instant payment processing

• Own BIC and PSD2/Open Banking API integration

Infrastructure & Compliance:

• Fully operational core banking system (SaaS)

• Advanced AML and transaction monitoring tools

• Segregated client accounts across multiple banks

• Established governance, compliance, and audit functions

• Strong regulatory reputation with the Bank of Lithuania

This is a premium EMI acquisition opportunity suitable for high-volume payment processing, high-risk industries, and institutional clients.

2. Lithuanian EMI for Sale (Established & Scalable)

A highly efficient and scalable payment company for sale with strong banking relationships and operational readiness.

Key Features:

• Licensed in 27 EEA countries

• Multiple bank accounts and access to Centrolink

• IBAN issuance and SEPA/SEPA Instant payments

• Fully functional onboarding and banking system

Operational Advantages:

• Complete compliance and reporting framework

• PSD2-ready with API integrations

• Proven regulatory track record

• Optimized for rapid expansion and fintech scaling

This entity is ideal for fintechs seeking a cost-efficient EMI license acquisition with strong growth potential.

3. Lithuanian Payment Institution (PI) for Sale

A plug-and-play Payment Institution for sale with live infrastructure and immediate operational capability.

Investment Highlights:

• Passporting across 22 EEA countries

• Active safeguarding accounts with Mano Bank

• Operational banking with multiple institutions

• SWIFT/BIC connectivity

Card & Payment Capabilities:

• Live VISA BIN sponsorship

• Active acquiring setup (PayFac model)

• E-commerce and POS processing agreements

Technology & Setup:

• Enterprise-grade core banking system

• Fully equipped office in Vilnius

• Clean entity with no liabilities or compliance issues

This PI is ideal for businesses seeking a ready-made payment solution in Europe with minimal setup time.

Why Lithuania for Payment Companies?

Lithuania has become a top destination for fintech and payment institutions due to:

• Progressive regulatory environment under the Bank of Lithuania

• Fast onboarding and licensing processes

• Access to SEPA and TARGET2 systems

• EEA passporting rights for cross-border services

• Strong ecosystem for EMIs, PIs, and crypto companies

As a result, Lithuanian entities are among the most востребованные payment companies for sale in Europe.

Who Should Consider Buying a Payment Company?

These opportunities are ideal for:

• Fintech startups entering the EU market

• Crypto and VASP businesses requiring fiat rails

• Forex and brokerage firms needing payment infrastructure

• Payment service providers expanding into Europe

• Investors seeking regulated financial institutions

Zitadelle AG – Your Partner in Payment Company Acquisition

Zitadelle AG specializes in the sale and acquisition of licensed financial institutions, including EMIs, PIs, and crypto-licensed entities across Europe and offshore jurisdictions.

Our services include:

• Target sourcing and deal structuring

• Regulatory and legal coordination

• Due diligence and risk assessment

• Post-acquisition support and compliance setup

Get Access to Payment Companies for Sale

If you are looking to acquire a payment company for sale in Europe, contact Zitadelle AG for detailed information, financials, and transaction support.

📩 Reach out today to secure your entry into the European payments market.