Buy, Sell, or Acquire Licensed Authorized Payment Institutions (APIs)

At Zalewski Consulting, we specialize in facilitating the acquisition and sale of Authorized Payment Institutions (APIs), connecting buyers and sellers in the thriving payments industry. With the rise of digital payments and the implementation of PSD2 in the European Union, APIs have become essential entities in the modern financial landscape. Whether you are seeking to buy a licensed API or sell your Authorized Payment Institution, our team ensures a streamlined, compliant, and profitable process tailored to your needs.

What Are Authorized Payment Institutions (APIs)?

Authorized Payment Institutions (APIs) are licensed entities that provide a range of payment services under the PSD2 directive, including:

• Payment initiation services (PIS).
• Payment accounts with bank accounts functionality.
• Account information services (AIS).
• Money transfers and remittances.

APIs are the backbone of digital payment systems, enabling businesses to facilitate transactions securely and efficiently. These licenses are critical for companies looking to expand their payment offerings or enter regulated financial markets.

Why Invest in or Sell an API?

For Buyers:

• Access to Regulated Markets: Operate across the European Economic Area (EEA) with passporting rights.
• Diversified Revenue Streams: Provide a range of payment services to clients and partners.
• Market Positioning: Enhance your business’s reputation and credibility by operating within a regulated framework.

For Sellers:

• Maximize Value: Leverage increasing demand for APIs to achieve a favorable sale price.
• Focus on Core Activities: Divest from the payments sector to focus on other business areas.
• Capitalize on Market Trends: Sell while demand for licensed payment institutions is at an all-time high.

Our API M&A Services

For Buyers:

• Comprehensive access to fully licensed APIs in key jurisdictions such as Lithuania, Malta, and Poland.
• Identification of businesses aligned with your goals.
• In-depth due diligence to assess regulatory compliance and operational readiness.

For Sellers:

• Connecting API owners with serious, qualified buyers.
• Valuation services to maximize your payment institution’s market value.
• Ownership transition handled with all regulatory and operational requirements.

Regulatory and Licensing Support:

• Expertise in PSD2 compliance, ensuring all regulatory frameworks are met.
• Handling license transfer approvals and providing ongoing compliance guidance post-acquisition.

The Growing Importance of APIs in the Payments Sector

As the world shifts toward a cashless society, APIs are at the forefront of the digital payments revolution. The PSD2 directive has unlocked new opportunities
for open banking, allowing APIs to provide cutting-edge services like payment initiation and account aggregation. The demand for APIs is growing rapidly due to:

• Increased E-commerce Transactions: APIs enable seamless online payments for businesses and consumers.
• Adoption of Open Banking: APIs play a central role in facilitating access to financial data.
• Global Expansion of Digital Payments: Licensed APIs allow businesses to operate across borders with ease.

Why Choose Zalewski Consulting?

• Specialized Expertise: Decades of experience in the fintech and payments sectors.
• Regulatory Knowledge: In-depth understanding of PSD2 requirements and EU regulatory frameworks.
• Extensive Network: Access to a global network of buyers, sellers, and regulatory bodies.
• Customized Solutions: Strategies tailored to meet the unique needs of both buyers and sellers.
• Full-Service Approach: From valuation and due diligence to ownership transfer and compliance, we handle every aspect of the transaction.

Call us now

Ready to buy, sell, or acquire an Authorized Payment Institution (API)? At Zalewski Consulting, we provide comprehensive M&A services tailored to your goals.

Contact us today to discuss your needs and begin your journey toward a successful transaction.