Fintech infrastructure providers in Germany

Fintech licensing and products in Germany

The official registers list 186 licensed payment, e-money and crypto firms in Germany (as of 2026-09-18): 13 e-money institutions (EMI), 82 payment institutions (PI), 91 MiCA crypto-asset service providers (CASP). 17 of them belong to a provider with a verified profile here. Browse all 186 in the European Fintech Index →

Passporting: 69 of the 186 firms licensed in Germany have notified at least one other EEA state. In the other direction, 931 firms licensed elsewhere in the EEA have notified services into Germany under an EEA passport, about 5 for every firm licensed at home. The largest groups are licensed in Lithuania (110), France (95), the Netherlands (89).

Products offered by the providers below: Lending module (8), Crypto / digital-asset infra (7), Card issuing software (4), Investment infrastructure (4), Payment gateway (4), Sovereign cloud & hosting (4), Spend management (4), BaaS (3), Digital identity & eIDAS (3), Core banking (2), IBAN sponsor (2), Open banking (2), Payment orchestration (2), Subscription billing (2), BIN sponsor (1), Card manufacturing & personalization (1), Card-linked rewards & loyalty (1), Credit risk & decisioning (1), E-invoicing & tax compliance (1), Embedded insurance (1), Fintech software development (1), Fraud & AML monitoring (1), KYC/KYB (1), Local payment schemes (1), Merchant of Record (1), Payment terminals & SoftPOS (1), Regulatory reporting (1), Tokenization – Non-X-Pays (1), Tokenization – X-Pays (1), Treasury & cash management (1).