Poland MIP (SPI) for Sale – Operating KNF Payment Institution with BNP Paribas

Operating Polish Small Payment Institution for Sale

An opportunity to acquire a Small Payment Institution (MIP / SPI) registered with the Polish Financial Supervision Authority (KNF) in 2025. Unlike most shelf licences, this company has already started operations and processed payment transactions, with banking, acquiring and compliance in place.

Key Highlights

• Active MIP registration with the KNF, obtained in 2025
• Company has commenced operations and processed payment transactions
• Existing banking relationship with BNP Paribas
• Acquiring solution with Axepta
• Safeguarding solution for client funds prepared
• Full regulatory and compliance framework, including AML/KYC procedures
• Regulatory reporting largely up to date, with remaining items being finalised
• Any outstanding founder loans settled before closing, so no related liabilities pass to the buyer

Authorised Payment Services

• Cash deposits and withdrawals, and payment account servicing
• Credit transfers, including standing orders
• Payment acquiring, merchant acceptance and transaction processing

Who Is This For?

• Fintechs and payment companies that want a fast, low-cost entry into EU payments
• Merchant acquiring and PSP businesses targeting Poland

Acquisition

Asking price: €85,000 for 100% of the shares.

Request Due Diligence Documents →

Next Steps

1. Share your planned payment activities and volumes
2. Sign the NDA and complete buyer KYC (UBO passport and proof of funds)
3. Review the DD pack and speak with the seller
4. Agree terms and sign the SPA
5. Change of ownership with the corporate and KNF registers

Frequently Asked Questions

What is a Polish MIP?

A Mała Instytucja Płatnicza (Small Payment Institution) is a KNF-registered payment institution that can provide payment services in Poland within monthly volume limits.

Has the company operated?

Yes. It has commenced operations and processed payment transactions.

Does it have a bank account?

Yes, with BNP Paribas, plus an acquiring solution with Axepta. Continuation after the change of ownership is subject to the bank’s compliance review.