European Union
What free resources are available for learning about AML regulations?
Sep 2, 2024
AML Programs, KYC and Compliance Operations
What is the safest and most efficient way to move large sums of money between two European countries?
Aug 7, 2024
Sending and Receiving Money Abroad
Is there an advantage of getting the EMI license in Lithuania vs Ireland?
Feb 14, 2023
UK and EU Licensing, EMIs and Payment Institutions
What is the difference between an agent and non-agent of an EMI in Europe/UK?
Feb 14, 2023
Licensing Strategy, Sponsorship and Agent Models
Since our company is about to obtain a Labuan Money Brokering license, may I know whether it is sufficient to use this license to apply to be a Registered Agent (RA) under an EMI holder?
Feb 14, 2023
Licensing Strategy, Sponsorship and Agent Models
Can we apply for a Lithuanian license if we are already incorporated in Ireland? That would be our preferred option given that we’ll need to staff operations in whatever country we do get our license.
Feb 9, 2023
UK and EU Licensing, EMIs and Payment Institutions
There is no crypto-license sponsorship option in the EU, am I right?
Feb 7, 2023
Crypto and VASP Licensing
What is Europe's Electronic Money Directive or EMD?
Jan 3, 2023
UK and EU Licensing, EMIs and Payment Institutions
What is Europe's Electronic Money Directive (EMD)?
Jan 2, 2023
UK and EU Licensing, EMIs and Payment Institutions
What is the difference between an agent and non-agent of an EMI in Europe or the UK?
Jan 10, 2022
Licensing Strategy, Sponsorship and Agent Models
What are the advantages of holding an EU money transmitter license versus operating under a bank’s umbrella?
Aug 1, 2021
Licensing Strategy, Sponsorship and Agent Models
Why do individuals open bank accounts in multiple countries?
Jul 12, 2021
Opening Bank Accounts, Personal and Business
Are wire transfer funds available immediately after sending?
Jun 1, 2021
Domestic Payment Rails, National Switches and Clearing Systems
What is the difference between white-label sponsorship and being an agent of a money transfer company?
Jun 1, 2020
Licensing Strategy, Sponsorship and Agent Models
How can I take PayPal Europe Ltd to court if they’re holding $26,000 for 180 days without a clear reason?
Oct 1, 2019
Consumer Protection, Customer Rights and Customer Service
Why is building a Plaid-like startup harder in the UK or Europe despite open banking APIs?
Dec 11, 2018
Open Banking and Account Aggregation
Are international banks as strict as US banks when it comes to compliance and onboarding?
Sep 8, 2018
AML Programs, KYC and Compliance Operations
How much of PayPal’s revenue comes from interest-rate arbitrage?
Mar 1, 2017
Treasury, Liquidity and Corporate Finance
Which regulated financial company in the EU offers an excellent onboarding experience?
Nov 6, 2016
Merchant Accounts, Processors and Gateways
Between PayPal and Visa/Mastercard, which is more likely to remain dominant long-term?
Aug 9, 2016
Payments (General)
Why is it difficult for merchants outside the U.S./EU to support international payments?
Jul 12, 2016
Merchant Accounts, Processors and Gateways
Where is the European Central Bank headquartered, and why was that location chosen?
Jul 5, 2016
Central Banks and Bank Supervision
What legal steps and requirements are needed to build a PayPal-like service in the U.S. and globally?
Jul 1, 2016
US Money Transmitter Licensing and MSB Registration
What regulations apply when starting an online bank in Europe?
May 9, 2016
UK and EU Licensing, EMIs and Payment Institutions
I’ve worked at State Bank of India for six years as a forex assistant—what are my chances of getting a banking job in Europe?
Mar 3, 2016
Careers, Jobs and Working in Finance
What is the best approach to replicating ZenPayroll or Gusto in a European country like Spain?
Feb 8, 2016
Starting and Running a Fintech or Payments Business
What is SEPA Direct Debit, and why is it considered challenging for e-commerce use?
Jan 7, 2016
E-Commerce, Marketplace and Platform Payments
Debit Cards: Are there any real-time tools that convert traditional bank details into SEPA IBAN and BIC format?
Dec 1, 2015
Banking and Payments Technology Stack
Why do intra-Europe transfers using IBAN sometimes take so long?
Oct 9, 2015
Sending and Receiving Money Abroad
How can I get a co-branded prepaid Mastercard, Visa, or PayPal card for my virtual assistants that also promotes my website with my logo?
Oct 6, 2015
Card Networks and Card Issuing
In Europe, what is the best way to regulate Bitcoin under financial law—fit it into existing frameworks or create dedicated regulation?
Jul 10, 2015
Crypto and VASP Licensing
Where are national bank accounts actually held?
Jul 3, 2015
Correspondent Banking, Nostro and Vostro, and Settlement
Is the use of signatures for payment authentication becoming obsolete?
Jun 1, 2015
Cybersecurity, Digital Identity and Authentication
How did the U.S. and other countries negotiate taking Iranian banks off the SWIFT network?
May 4, 2015
Sanctions, Embargoes and Screening
How costly is it to transfer money from Europe to the United States?
Apr 7, 2015
Sending and Receiving Money Abroad
What are the differences between ACH, SEPA, and RTGS payment systems?
Mar 11, 2015
Domestic Payment Rails, National Switches and Clearing Systems
What are the pros and cons of an EU member state building a national debit-card payment scheme?
Mar 10, 2015
Card Networks and Card Issuing
What opportunities exist for U.S. or European startups within the remittances sector?
Feb 5, 2015
Money Transfer Business and MTOs
Is there an EU-wide KYC provider similar to IDology?
Jan 5, 2015
AML Programs, KYC and Compliance Operations
If my U.S. company invoices a German client, must I charge VAT?
Jan 4, 2015
Tax and Financial Reporting
Is it normal for USD transfers within the EU to take around four days?
Dec 8, 2014
Sending and Receiving Money Abroad
Why haven’t startups—or Facebook—leveraged Facebook’s massive user base for money-transfer services?
Dec 4, 2014
Business Strategy, Case Studies and Lessons Learned
If we don’t hold U.S. MSB coverage across most states or an EU EMI license, which partner company is best to work with to offer a digital wallet or micropayments solution?
Oct 6, 2014
Licensing Strategy, Sponsorship and Agent Models
Is there a dependable method for identifying fees within a bank statement?
Apr 11, 2014
How Banks Work
Why is there no M-Pesa-style mobile money system in Europe despite its success in some African nations?
Feb 12, 2014
Digital Wallets, Mobile Money and P2P Payments
Do European banks provide real-time, instant money transfers?
Jan 3, 2014
Sending and Receiving Money Abroad
Where can I find an Address Verification System (AVS) service that only verifies addresses and does not process credit cards?
Jun 2, 2013
Cybersecurity, Digital Identity and Authentication
Is a VAT number required on e-commerce invoices globally?
Apr 9, 2013
Tax and Financial Reporting
Is a VAT number required on e-commerce invoices in every country?
Apr 9, 2013
Tax and Financial Reporting
What is the most cost-effective way to send a wire transfer from the U.S. to Europe?
Apr 4, 2013
Sending and Receiving Money Abroad