License lookup

It's BZNpay's read on how widely the partner acquirer network underwrites operators with this licence. Broad means tier-one EU and UK acquirers underwrite routinely. Moderate means specialist acquirers underwrite confidently; some tier-one acquirers will too with documented compliance. Narrow means only specialist offshore acquirers will underwrite, and pricing reflects that. The framing reflects what we see in the market — not a card-network official designation.

Offshore licences are a real part of how merchants operate, even when EU regulators tighten rules. Curaçao, Anjouan, Tobique, Seychelles and similar jurisdictions are choices many operators make for legitimate commercial reasons. We catalogue them honestly with their acquirer-acceptance reality so merchants can make informed decisions. Whether a particular licence makes sense for a specific business is a separate conversation with a specialist.

Figures are typical ranges as of 2026, drawn from public regulator information and our market experience. Regulators update fees regularly and exchange rates move; verify the latest with the official regulator before committing. We update this catalogue twice a year.

No — BZNpay is a card-acquirer introducer, not a licensing broker. We work alongside specialist licensing consultants for clients who need both. If you're applying for a new licence, we can introduce you to acquirers in the partner network who underwrite that licence type, so the payments side of your application package is ready when the licence is.

Tier reflects how acquirers and card networks treat the licence, not just where it's issued. Curaçao has decades of operating history, mandatory technical and AML standards under the 2024 LOK framework, and broad acquirer recognition. Anjouan is much newer, lighter-touch on compliance, and acquirer underwriting is correspondingly narrower. Both are legitimate choices — they just route to different acquirer pools.

Yes — from December 2024 MiCA replaces the patchwork of national VASP regimes (Lithuania, Estonia, Malta VFA, France PSAN, etc.) with one EU-wide framework. Existing VASPs have a transitional period to apply for full MiCA CASP authorization, ending 1 July 2026. Many existing operators will not qualify under MiCA's stricter capital and governance rules. We've kept legacy national entries in this catalogue because they remain operationally relevant during the transition.