PSI Pay
“Can a UK FCA-regulated EMI become the go-to white-label embedded payments infrastructure layer — spanning BIN sponsorship, wallet-as-a-service, and KYC/AML — for fintechs that lack their own regulatory licences?”
Founded in 2007 as an FCA-regulated electronic money institution, PSI-Pay initially focused on e-money issuance and payment processing. Over 20 years, it evolved into a full-stack embedded payments infrastructure provider, offering BIN Sponsorship, Wallet as a Service, Payment Gateway, and KYC/AML services to third-party fintechs and businesses. It is also the regulated entity behind the Payz consumer e-wallet brand, demonstrating a dual B2B infrastructure and B2C product model. Its Principal Membership of Mastercard and Discover differentiates it as a card programme sponsor rather than a pure reseller.