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Payment Institution License is a license that allows its holder to perform payment services. Payment services are defined in Article 2(1)(a) of the Directive (EU) 2015/2366 of the European Parliament and of the Council on payment services in the internal market, and includes receiving payments or other transfers of money from a customer and making such payments or transfers to third parties.
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The Payment Services Directive (PSD2) introduced a new payment service provider category — “Account Information Service Providers” — which falls outside the scope of PSD2 but plays an important role in improving access to account information. Account information service providers provide data that can help consumers better manage their finances by providing them with information about their bank or credit card accounts.
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