Unlocking Opportunities in the Regulated Payment Services Market

Authorized Payment Institutions (APIs) are the backbone of the European Union (EU) and United Kingdom (UK) payment services industry, enabling businesses to operate as regulated providers of payment solutions. APIs play a critical role in the growing fintech ecosystem, supporting services like money transfers, payment processing, and account information services.

At Estrella, we specialize in connecting buyers and sellers of API-licensed businesses, ensuring seamless transactions that maximize value while adhering to strict regulatory requirements.

What Is an API License?

An Authorized Payment Institution (API) license allows businesses to:

  • Provide regulated payment services, such as credit transfers, direct debits, and card processing.
  • Operate as payment gateways or intermediaries in financial transactions.
  • Manage account information services (AIS) and payment initiation services (PIS) under the EU’s PSD2 directive

APIs are essential for businesses looking to establish a foothold in the regulated payments industry within the EU and UK.

Why APIs Are Valuable

APIs are highly sought after due to their:

Regulatory Compliance
Licenses enable businesses to operate legally and gain consumer trust.
1
Market Demand
The growing need for digital payments drives opportunities for licensed providers.
2
Passporting Rights
For EU-based APIs, licensing allows operations across all member states.
3
Scalability
APIs can expand services rapidly, adapting to new payment trends and technologies.
4

Opportunities for Buyers

Estrella connects buyers with licensed APIs offering:

  • Established operational models and compliant payment services.
  • Opportunities to integrate into fintech solutions, digital wallets, or e-commerce platforms.
  • Strategic entry into regulated markets across the EU and UK.

Our approach ensures buyers find the right API business to enhance their service offerings and achieve strategic goals.

Opportunities for Sellers

For sellers, Estrella provides:

  • Access to a global network of qualified buyers actively seeking API-licensed businesses.
  • Expertise in preparing businesses for sale, maximizing valuation and attractiveness.
  • A confidential, professional sales process tailored to your timeline and objectives.

How Estrella Supports API Transactions

  • For buyers: Are you expanding into regulated payment services or entering new markets?
  • For sellers: Are you seeking a strategic buyer to unlock the full value of your business?
  • Access to vetted API-licensed businesses in the EU and UK.
  • Detailed Confidential Information Memoranda (CIMs) showcasing operational metrics, financials, and growth potential.
  • Comprehensive due diligence to ensure compliance with the PSD2 directive and local regulations.
  • Verification of license validity, scope, and operational compatibility.
  • Structuring transactions to reflect the true value of API licenses and operations.
  • Representing your interests to secure favorable terms and smooth negotiations.
  • Managing the licensing transfer process to ensure continuity of operations.
  • Providing post-transaction support for integration or operational handovers.

Success Stories in API Transactions

  • EU Market Expansion: A buyer acquired an API-licensed business to offer payment initiation services across multiple EU member states, leveraging passporting rights.
  • Strategic Acquisition in the UK: A fintech company purchased an API license to integrate payment processing services into their e-commerce solutions.
  • Profitable Exit: An API owner successfully sold their business to a global payments provider, achieving a significant return on investment.

These examples highlight Estrella’s ability to deliver tailored solutions for clients in the API sector.

Why Choose Estrella for API Transactions?

Regulatory Expertise

We specialize in navigating the complexities of API licensing under the EU’s PSD2 directive and UK regulations, ensuring compliance at every step.

Global Reach

Our extensive network connects buyers and sellers across Europe, the UK, and beyond, providing exclusive access to high-value API businesses.

Tailored Solutions

We customize our approach to meet your specific objectives, whether you’re buying or selling.

Confidential Process

Strict NDAs, secure Virtual Data Rooms (VDRs), and anonymized engagement protect your interests and sensitive information.

Explore Opportunities in API Transactions

The demand for payment solutions continues to grow, making API-licensed businesses a valuable asset in the regulated financial sector. Whether you’re acquiring an API license to expand your services or selling your business to maximize value, Estrella is your trusted partner in navigating this dynamic market.

Contact Us Today to explore opportunities in API acquisitions or sales.