ACPR - who it supervises in fintech
130 licensed entities in the official registers and 24 source-verified catalogue providers answer to Prudential Supervision and Resolution Authority.
The ACPR (Autorité de contrôle prudentiel et de résolution), backed by the Banque de France, supervises French banks, insurers, payment institutions and e-money institutions - the authorisations behind much of the catalogue's French BaaS and issuing infrastructure. France splits fintech supervision in two: prudential and payments matters sit with the ACPR, while markets - including MiCA crypto-asset service providers - belong to the AMF. Official site: ACPR. Note: Crypto-asset service providers in France are authorised by the AMF (Autorité des Marchés Financiers), not the ACPR - the French CASP rows in our register index carry the AMF as their authority.
In the official registers
Register-sourced rows for this authority (EBA PSD2 + ESMA MiCA; as-of dates on each row). Registers have no legal significance - confirm current status with the supervisor.
| Licence class | Entities | Official register rows |
|---|---|---|
| Payment institutions | 91 | browse the rows → |
| E-money institutions | 28 | browse the rows → |
| AISPs (account information) | 11 | browse the rows → |
Verified providers under ACPR supervision (24)
Catalogue providers whose official register row names this authority - each verified at source and cross-linked to its row:
Algoan (Paris, France) - open-banking credit scoring and decisioning: analyses bank transaction data (AIS) to score creditworthiness for lenders, with partnerships including Worldline and Mastercard. Registered AISP (ACPR). A European, data-minimising alternative to classic bureau scores.
Alma (Paris, France; founded 2018) - split-payment and BNPL. ACPR-licensed payment institution and financing company (no. 90786). EUR 2.5bn volume in 2025 (profitable), 23k merchants across 10 countries; partners with the CB scheme.
Bridge (France) - open banking AIS/PIS by Bankin' (ACPR-regulated group): account data and A2A payments.
Deblock (FR/UK; ex-Revolut founders) - account + non-custodial crypto wallet. AMF MiCA CASP (crypto-crypto, crypto-cash, order execution).
Edenred Payment Solutions (ex-PrePay Solutions / PPS; UK + Belgium) - card issuing, BIN sponsorship and in-house processing; Mastercard + Visa primary issuer. FCA EMI (UK, FRN 900010) + PPS EU SA (NBB Belgium, passported to 7 EU countries). Part of Edenred SE (FR, listed); founding member of Mastercard BIN Sponsor Plus.
Fintecture (France) - open-banking / A2A payment infrastructure using SEPA instant transfers as a card alternative (lower fees, fraud reduction). PIS-licensed (ACPR / Banque de France); member of France FinTech.
Fipto (Paris) - blockchain B2B payments / stablecoin settlement infrastructure. AMF MiCA CASP (custody, crypto-cash, order execution, transfers).
HiPay (France; Euronext Growth Paris: ALHYP; spun from HiMedia 2015) - PSP and acquirer; EUR 9.5bn payment volume, ~250 staff across five EU locations.
Local IBANs: FR
Lemonway (France) - marketplace payments with dedicated virtual IBANs. EMI, ACPR (reg 16568).
Market Pay (France; created 2016 as Carrefour's payment arm; 60% sold to AnaCap in 2020, Carrefour ~30%) - omnichannel payments platform; 3bn transactions and 320k terminals across 9 EU countries; acquired Novelpay.
Monext (Paris; Credit Mutuel Arkea group) - payment processing, acquiring & issuing platform; card digitization / X-Pay provisioning into Apple Pay, Google Pay, Samsung Pay.
Local IBANs: FR
Okali (SFPMEI, Banque de France; France) - a BaaS pioneer since 2013 and the regulated entity behind Spendesk, Blank, Helios and others. EMI; 100% Crédit Agricole subsidiary (Jan 2022).
Payplug (Paris, France; Groupe BPCE) - French payment solution for retailers and e-merchants, merged with Dalenys (2022) to form BPCE's payments fintech; privileged connectivity to the Cartes Bancaires scheme alongside Visa/Mastercard. Licensed payment institution (ACPR). NB: owned by Groupe BPCE - EU bank group.
Pennylane (Paris, France) - accounting and finance platform with e-invoicing; a registered French PDP (Plateforme de Dematerialisation Partenaire) for the upcoming French e-invoicing mandate. French fintech unicorn.
Powens (France; since Mar 2018) - open banking AISP + PISP passported in 30 EU countries, with IBANs via Unnax (which it acquired). Payment Institution, ACPR.
Qonto SA - payment institution, ACPR n° 16958; SME business banking (accounts, cards, invoicing, expense). 600k+ clients across 8 EU countries; in-house card processor. Filed for FR banking licence (Jul 2025) to add lending. Profitable since 2023.
Schuman Financial (FR) - issuer of EUROP euro stablecoin. EMI authorised by ACPR. Backed by RockawayX, Kraken Ventures.
Spendesk (France) - spend management with virtual and physical cards. Own Payment Institution: Spendesk Financial Services (ACPR reg 17518). PI, not EMI.
Local IBANs: FR DE ES IT NL BE
Swan (France) - embedded banking, accounts and card issuing; Mastercard Principal Member sponsoring embedded card programmes. EMI, ACPR (ref 86245).
Swile (Montpellier/Paris, France) - employee-benefits payment card and app (digitised meal vouchers, gifts, mobility) processing ~EUR 3bn a year; USD 200m Series D (SoftBank, 2021); card stack built on Treezor and Enfuce. Swile Payment SAS is an e-money institution authorised by the ACPR (ref 92174). Register-sourced: E-money institution (EMI), Prudential Supervisory and Resolution Authority, ref 898001672; passported to 1 EEA states.
Local IBANs: FR
Treezor (France) - BaaS, card issuing and tokenization; Visa & Mastercard Principal Member. NB: Societe Generale entered exclusive negotiations to sell 100pct of Treezor to French investech Shares (2026).
Local IBANs: FR
Xpollens (France) - BaaS / 'payments in a box' platform from Groupe BPCE (a Natixis Payments + Visa JV, 2019): white-label accounts, Visa issuing and pay-in/out, backed by the largest Visa issuer in continental Europe.
GoCardless (UK) - FCA-authorised bank-debit / A2A specialist. Being acquired by Mollie (USD 1.1bn, agreed Dec 2025, close mid-2026).
Circle (US) - issuer of the USDC and EURC stablecoins; EU-issued USDC/EURC via Circle France (ACPR EMI), reserves held in EU credit institutions per MiCA Art. 36. US parent = CLOUD Act exposure.
Credit institutions in France (2)
Banks sit outside the payment registers above - supervised nationally together with the ECB. Verified bank-licensed providers headquartered in France:
Société Générale-FORGE (France) - the digital-asset subsidiary of Société Générale, issuing the EURCV (euro) and USD CoinVertible stablecoins. ACPR-licensed credit institution + EMI.
Younited (Younited S.A., France) - instant consumer credit and credit-as-a-service across FR/IT/ES/PT; acquired Helios (2025), profitable H2 2025. ECB-licensed credit institution (ACPR auth. 16488), supervised by ACPR + ECB.
Where licences cluster - and why regulator geography is strategy - is mapped from our own register dataset in who holds Europe's fintech licences. See all verified providers headquartered there: fintech infrastructure in France.
FAQ
Who does the ACPR regulate in fintech?
French payment institutions, e-money institutions and account-information providers under PSD2, and - jointly with the ECB - French credit institutions. Crypto-asset service providers are the exception: MiCA authorisations in France are granted by the AMF, the markets authority, not the ACPR.
ACPR or AMF - which French regulator do I check?
For payments, e-money and banking: the ACPR's registre des agents financiers (Regafi). For crypto-asset services under MiCA: the AMF. Our register index carries both - each row names its authority, and every verified French profile links its row.