Regulatory changes we're tracking and practical guides from the team that prepares the applications.
Payments & EMI
Your licence is approved. Your bank account isn't. Zitadelle AG holds 28 active partnership agreements with payment providers, EMIs and acquirers — and applies to multiple providers on your behalf under one engagement.
Payments & EMI
Complete guide to Bank Negara Malaysia (BNM) merchant acquiring registration. Malaysia processed 18.4 billion e-payment transactions in 2025 — 25% YoY increase. Stripe, ShopeePay, TNG Digital, Razer licensed. BNM vs MAS distinction explained. Multi-jurisdiction ASEAN payment strategy. Zitadelle AG Malaysia office.
Payments & EMIUpdated
The complete 2026 guide to starting an EMI or PSP payment company — license types, jurisdiction comparison (Lithuania, Singapore, Mauritius, Labuan, Canada), technology stack, capital requirements, and realistic budgets from USD $50,000 to USD $500,000+.
Payments & EMIUpdated
Complete 2026 guide to obtaining an EU EMI license. What is an EMI license, EMI vs PI comparison, Lithuania vs Cyprus vs Malta, EUR 350,000 capital requirement, PSD3 transition timeline, and full application process.
Payments & EMI
Why the Mauritius PIS License is the right offshore payment authorization for fintech companies targeting African markets, non-EU merchants, and cross-border payment operations. MUR 2M capital, ~3% tax, FSC-regulated.
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