Poland MIP (SPI) Licence for Sale, KNF Registered

This Polish company holds a Small Payment Institution (MIP/SPI) licence regulated by the Komisja Nadzoru Finansowego (KNF).

The company has never traded and maintains a clean regulatory and corporate record, making it a suitable acquisition for businesses looking to enter the Polish payments sector with an existing licensed entity.

Why consider this company?

Launching a regulated payment business can take time.

This company provides a licensed structure that is already established and ready for transfer.

Key highlights include:

• Licensed by the KNF
• Dormant company
• No operating history
• No outstanding liabilities
• Clean corporate and compliance record
• License granted in June 2026
• Suitable for payment and fintech businesses

Authorized payment services

The MIP (SPI) license covers a broad range of payment activities, including:

• Cash deposits and withdrawals from payment accounts
• Payment account servicing
• Direct debits, including one-off direct debits
• Card payments and similar payment instruments
• Credit transfers and standing orders
• Payment transactions funded by credit
• Issuing payment instruments, including payment cards
• Merchant acquiring and payment acceptance services
• Money remittance services

Businesses must continue to comply with all applicable KNF requirements and any operational limitations that apply to Small Payment Institutions.

About the KNF and the MIP (SPI) regime

The Komisja Nadzoru Finansowego (KNF) is Poland’s financial regulator responsible for supervising payment institutions, banks and other financial entities.

The Small Payment Institution (Mała Instytucja Płatnicza, MIP) regime is designed for payment service providers operating within the Polish regulatory framework, offering an accessible route into the payments market while remaining subject to statutory limits and ongoing regulatory compliance.

FAQ

1. What is a Poland MIP (SPI)?

A MIP (Mała Instytucja Płatnicza), also known as a Small Payment Institution (SPI), is a regulated payment institution authorised by the KNF to provide specified payment services in Poland.

2. Has this company ever operated?

No. The company is dormant and has no operating history.

3. What services can the licence cover?

The licence covers payment account servicing, transfers, direct debits, card payments, payment instrument issuance, merchant acquiring and money remittance services.

4. Does the company have any regulatory issues?

According to the seller, the company has no outstanding liabilities or regulatory issues.

5. Why buy an existing MIP (SPI)?

Buying an existing licensed company can reduce the time required to enter the regulated payments market compared with applying for a new licence, subject to regulatory approvals where applicable.