{"id":34648,"date":"2022-09-11T07:50:45","date_gmt":"2022-09-11T05:50:45","guid":{"rendered":"https:\/\/www.investglass.com\/?p=34648"},"modified":"2025-03-19T05:16:46","modified_gmt":"2025-03-19T04:16:46","slug":"kucuk-bi%cc%87r-odeme-li%cc%87sansi-cedde-bi%cc%87r-odeme-i%cc%87si%cc%87-baslatmak-i%cc%87ci%cc%87n-neden-i%cc%87yi%cc%87-bi%cc%87r-secenek","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/tr\/why-a-small-payment-license-is-a-good-option-to-start-a-payment-business-in-the-eea\/","title":{"rendered":"AEA'da bir \u00f6deme i\u015fi ba\u015flatmak i\u00e7in K\u00fc\u00e7\u00fck \u00d6deme lisans\u0131 neden iyi bir se\u00e7enektir?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Bu\u00a0<strong>K\u00fc\u00e7\u00fck \u00d6deme Kurulu\u015fu (SPI) lisans\u0131<\/strong>\u00a0yeni ba\u015flayanlar i\u00e7in idealdir ve daha az d\u00fczenleyici engelle \u00f6deme hizmetlerine izin verir. \u0130\u015flem hacimlerini \u015fu \u015fekilde s\u0131n\u0131rlar\u00a0<strong>Ayl\u0131k 3 milyon Avro<\/strong>, daha d\u00fc\u015f\u00fck sermaye gerektirir ve uyumlulu\u011fu basitle\u015ftirir. Ancak, bu\u00a0<strong>belirli hizmetleri k\u0131s\u0131tlar<\/strong>\u00a0\u00f6deme ba\u015flatma gibi ve bir i\u015fletme b\u00fcy\u00fcd\u00fck\u00e7e y\u00fckseltme gerektirebilir. (<a href=\"https:\/\/www.fca.org.uk\/small-payment-institution-small-pi\">FCA<\/a>)<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-payment-service-provider-should-you-consider\">Hangi \u00f6deme hizmeti sa\u011flay\u0131c\u0131s\u0131n\u0131 dikkate almal\u0131s\u0131n\u0131z?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">EEA'da (Avrupa Birli\u011fi) K\u00fc\u00e7\u00fck \u00d6deme Kurulu\u015fu (SPI) veya K\u00fc\u00e7\u00fck E-Para Kurulu\u015fu (SEMI) lisans\u0131 almak, tam te\u015fekk\u00fcll\u00fc bir \u00d6deme Kurulu\u015fu (PI) veya tabii ki E-Para Kurulu\u015fu (EMI) yetkilendirmesinden \u00e7ok daha basit bir i\u015ftir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ba\u015flang\u0131\u00e7 sermayesi ayn\u0131 de\u011fildir, belgeler daha basittir ve yerel ekip gereksinimleri de... EMI veya PI ar\u0131yorsan\u0131z 12 ila 24 aya k\u0131yasla ortalama 3 ila 6 aya ihtiyac\u0131n\u0131z olacakt\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bir\u00e7ok giri\u015fimci, pasaport k\u0131s\u0131tlamalar\u0131n\u0131z oldu\u011fu i\u00e7in k\u00fc\u00e7\u00fck \u00f6deme durumlar\u0131yla o kadar ilgilenmiyor. Hizmetler yaln\u0131zca kayd\u0131n yap\u0131ld\u0131\u011f\u0131 yerde aktif olarak sat\u0131labilir. Dolay\u0131s\u0131yla, \u0130spanya veya Fransa'da k\u00fc\u00e7\u00fck \u00f6demeler i\u00e7in ayr\u0131lan Tunus veya Fas vatanda\u015flar\u0131ndan \u00f6deme toplamak istiyorsan\u0131z, bu genellikle bu t\u00fcr bir lisans i\u00e7in \u00e7ok karma\u015f\u0131kt\u0131r. Ayr\u0131ca bir hacimsel i\u015flem s\u0131n\u0131rlamas\u0131 da vard\u0131r, 12 ay i\u00e7inde ger\u00e7ekle\u015ftirilen \u00f6deme i\u015flemlerinin ortalama de\u011feri ayda 3 milyon Euro'yu ge\u00e7memelidir, i\u015fletmeniz a\u00e7\u0131k ve \u00e7al\u0131\u015f\u0131r durumdaysa bu e\u015fik genellikle \u00e7ok h\u0131zl\u0131 bir \u015fekilde a\u015f\u0131l\u0131r. Lisanslama s\u00fcreci tabii ki daha kolayd\u0131r ancak karma\u015f\u0131k durumlar\u0131 olan i\u015fletmelerde veya nakit para ile gelen m\u00fc\u015fterilerde size yard\u0131mc\u0131 olmayacakt\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu t\u00fcr bir Fintech \u015firketi kurmak istiyorsan\u0131z, bu yasal temelle, h\u0131zl\u0131 bir hesaplama size t\u00fcm \u00fccretleri ve yaz\u0131\u015fma hesaplar\u0131n\u0131 \u00f6dedikten sonra ayda 35.000 \u20ac'dan fazla gelir elde edemeyece\u011finizi g\u00f6sterecektir. Bu model genellikle yerel \u015firketleri test etmek i\u00e7in kullan\u0131l\u0131r. <a class=\"wpil_keyword_link\" href=\"https:\/\/www.investglass.com\/tr\/pazarlama-araclari\/\" target=\"_blank\" rel=\"noopener\" title=\"pazarlama\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"657\">pazarlama<\/a> ve sonra Avrupa'y\u0131 fethetmeye haz\u0131r olun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Daha sonra daha sofistike bir \u00f6deme i\u015fleme lisans\u0131 aray\u0131p aramad\u0131\u011f\u0131n\u0131za karar vereceksiniz.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/09\/y_lgxwqex2c-1024x684.jpg\" alt=\"beyaz ve siyah ah\u015fap al\u0131nt\u0131 panosu\" class=\"wp-image-34654\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/09\/y_lgxwqex2c-1024x684.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/09\/y_lgxwqex2c-300x200.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/09\/y_lgxwqex2c-768x513.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/09\/y_lgxwqex2c-1536x1026.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/09\/y_lgxwqex2c.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-spain-small-payment-institution-licences-differ-from-other-european-union-countries\">\u0130spanya K\u00fc\u00e7\u00fck \u00d6deme Kurulu\u015fu Lisanslar\u0131n\u0131n di\u011fer Avrupa Birli\u011fi \u00fclkelerinden fark\u0131<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Peki \u0130spanya'n\u0131n SPI lisanslar\u0131n\u0131n di\u011fer Avrupa Birli\u011fi \u00fclkelerindekilerden fark\u0131 nedir? Normalde, k\u00fc\u00e7\u00fck bir PI ayl\u0131k \u00f6demelerde 3 milyon \u20ac e\u015fi\u011fine ula\u015ft\u0131ktan sonra, tam bir PI veya EMI lisans\u0131 i\u00e7in ba\u015fvurman\u0131z gerekir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130spanya, \u00e7ok s\u0131cak bir ortam sunmas\u0131 ve \u00f6deme hacmi k\u0131s\u0131tlamalar\u0131 olmadan \u00e7al\u0131\u015fabilmeniz nedeniyle olduk\u00e7a ilgi \u00e7ekicidir. Bu strateji, i\u015finizi h\u0131zl\u0131 bir \u015fekilde ve \u00f6deme kart\u0131 a\u00e7\u0131s\u0131ndan herhangi bir s\u0131n\u0131rlama olmaks\u0131z\u0131n ba\u015flatman\u0131za yard\u0131mc\u0131 olacakt\u0131r. Elbette, s\u0131n\u0131r \u00f6tesi \u00f6demeler ve nakit a\u00e7\u0131s\u0131ndan yine de baz\u0131 k\u0131s\u0131tlamalar\u0131n\u0131z olacakt\u0131r, <a href=\"https:\/\/www.investglass.com\/tr\/yapay-zeka-kara-para-aklamayla-mucadelede-oyunun-kurallarini-degistiriyor\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"2438\">kara para aklamayla m\u00fccadele<\/a> AML.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130spanya k\u00fc\u00e7\u00fck lisans\u0131 di\u011fer Avrupa Birli\u011fi \u00fclkelerinde pasaportlu de\u011fildir. \u00d6deme i\u015fleme hizmetleri olu\u015fturmak isteyen Fintech \u015firketleri \u0130spanya'y\u0131 \u00e7ok s\u0131n\u0131rl\u0131 bulabilir ve Avrupa \u00e7ap\u0131nda geni\u015flemek istiyorlarsa ba\u015fka bir strateji arayabilirler. Ancak \u0130spanya, bir i\u015f modelini test etmek i\u00e7in hala \u00e7ok cazip bir arac\u0131 \u00e7\u00f6z\u00fcmd\u00fcr.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130spanya'daki ba\u015fvuru genellikle 6 ila 12 ay s\u00fcrecektir, oysa Avrupa'n\u0131n geri kalan\u0131nda 12 ila 24 ay s\u00fcrecektir, ayr\u0131ca bu entegrasyon ve kay\u0131t daha h\u0131zl\u0131 ilerleyecektir. Ayr\u0131ca \u0130spanya Merkez Bankas\u0131 taraf\u0131ndan g\u00f6nderilen d\u00fczenleyici kum havuzuna da kat\u0131labileceksiniz. Bu d\u00fczenleyici sandbox, muhtemelen \u00f6deme ara\u00e7lar\u0131, \u00f6deme kartlar\u0131 ve farkl\u0131 finansal i\u015flem t\u00fcrleri i\u00e7in t\u00fcm i\u015f ihtiya\u00e7lar\u0131n\u0131 kapsamaktad\u0131r.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"688\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/09\/zeknuspi73g-1024x688.jpg\" alt=\"g\u00fcnd\u00fcz vakti kald\u0131r\u0131mda y\u00fcr\u00fcyen insanlar\" class=\"wp-image-34657\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/09\/zeknuspi73g-1024x688.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/09\/zeknuspi73g-300x202.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/09\/zeknuspi73g-768x516.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/09\/zeknuspi73g-1536x1032.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/09\/zeknuspi73g.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-registration-for-spain-spi-amp-information-required-for-payment-service-users-and-payment-service-providers\">\u0130spanya SPI i\u00e7in kay\u0131t &amp; \u00f6deme hizmeti kullan\u0131c\u0131lar\u0131 ve \u00f6deme hizmeti sa\u011flay\u0131c\u0131lar\u0131 i\u00e7in gerekli bilgiler<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130spanya Merkez Bankas\u0131 taraf\u0131ndan belirtildi\u011fi \u00fczere, \u00f6nceki 12 ay i\u00e7inde ger\u00e7ekle\u015ftirdikleri \u00f6deme i\u015flemlerinin ortalama de\u011feri ayl\u0131k 3 milyon Euro'yu a\u015fmayan k\u00fc\u00e7\u00fck \u00f6deme hizmeti sa\u011flay\u0131c\u0131lar\u0131, genel \u00f6deme kurulu\u015fu yetkilendirme program\u0131ndan muaft\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E\u011fer i\u015finize ba\u015flamak istiyorsan\u0131z <em>\u00d6deme Kurulu\u015fu \u00d6zel Kay\u0131t<\/em>, \u015firketiniz a\u015fa\u011f\u0131daki gerekliliklere uymal\u0131d\u0131r:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u0130spanya'da bir banka hesab\u0131 ile \u0130spanya'da bulunan kay\u0131tl\u0131 ofise, etkin idare ve y\u00f6netim organ\u0131na ve \u00f6deme hizmetlerine sahip olmak.<\/li>\n\n\n\n<li>\u00d6deme Kurulu\u015fu Y\u00f6neticileriniz, \u0130spanya Merkez Bankas\u0131 taraf\u0131ndan belirlendi\u011fi \u00fczere - ba\u015fka hi\u00e7bir yetkili makam taraf\u0131ndan belirlenmedi\u011fi \u00fczere - iyi bir itibara sahip olmal\u0131 ve \u00f6deme hizmetlerini ger\u00e7ekle\u015ftirmek i\u00e7in uygun bankac\u0131l\u0131k bilgisine ve fintech deneyimine sahip olmal\u0131d\u0131r.<\/li>\n\n\n\n<li>Kara para aklama ve ter\u00f6r\u00fcn finansman\u0131n\u0131 \u00f6nlemek i\u00e7in i\u00e7 kontrol ve raporlama prosed\u00fcrleri ve organlar\u0131 olu\u015fturmak...<\/li>\n\n\n\n<li>\u015eirketiniz Avrupa Birli\u011fi'nin geri kalan\u0131nda yerle\u015fme \u00f6zg\u00fcrl\u00fc\u011f\u00fcnden veya hizmet sunma \u00f6zg\u00fcrl\u00fc\u011f\u00fcnden yararlanamayacakt\u0131r. Bu, yeni kurulan \u015firketler i\u00e7in k\u0131sa vadeli bir sorun olabilir.<\/li>\n\n\n\n<li>\u0130spanya'da \u0130spanyol \u015eirketler Evi'ne kay\u0131tl\u0131 bir \u015firket kurun ve \u015firketin adli sicil belgesini talep edin.<\/li>\n\n\n\n<li>\u00d6zellikle sa\u011flanacak \u00f6deme hizmetinin t\u00fcr\u00fcn\u00fc i\u00e7eren bir faaliyet program\u0131 sa\u011flay\u0131n. \u00d6deme hizmetleri kullan\u0131c\u0131lar\u0131n\u0131z taraf\u0131ndan imzalanacak ayr\u0131nt\u0131l\u0131 h\u00fck\u00fcm ve ko\u015fullara sahip olmal\u0131s\u0131n\u0131z.<\/li>\n\n\n\n<li>A\u015fa\u011f\u0131daki unsurlar\u0131 i\u00e7eren bir i\u015f plan\u0131: \u00f6deme kart\u0131 s\u00fcreci, s\u0131n\u0131r \u00f6tesi \u00f6deme ak\u0131\u015f\u0131, bireysel veya \u015firket taramas\u0131, \u00e7al\u0131\u015fanlar\u0131n adlar\u0131 ve unvanlar\u0131, mobil bankac\u0131l\u0131k \u00e7\u00f6z\u00fcm\u00fc, geri \u00f6deme politikas\u0131, \u00e7evrimi\u00e7i sat\u0131\u015f noktas\u0131 \u00e7\u00f6z\u00fcmleri, transfer a\u00e7\u0131klamalar\u0131...<\/li>\n\n\n\n<li>\u00d6deme hizmetlerinin sa\u011flanmas\u0131nda yer alan t\u00fcm taraflar aras\u0131nda \u0130spanyolca ve \u0130ngilizce s\u00f6zle\u015fmelerin haz\u0131rlanmas\u0131.<\/li>\n\n\n\n<li>G\u00fcvenlik olaylar\u0131n\u0131n ve g\u00fcvenlikle ilgili m\u00fc\u015fteri \u015fikayetlerinin izlenmesi, ele al\u0131nmas\u0131 ve takip edilmesine y\u00f6nelik prosed\u00fcrler.<\/li>\n\n\n\n<li>Avrupa GDPR b\u00f6lgesinde oldu\u011fumuz i\u00e7in hassas \u00f6deme verilerini kaydetmek, kontrol etmek, izlemek ve bunlara eri\u015fimi k\u0131s\u0131tlamak i\u00e7in olu\u015fturulan prosed\u00fcr\u00fcn a\u00e7\u0131klamas\u0131. E-posta g\u00f6ndermeden \u00f6nce onay almay\u0131 ve kaydetmeyi unutmay\u0131n.<\/li>\n\n\n\n<li>Sonu\u00e7lar, uygunluk raporlamas\u0131, operasyonlar ve doland\u0131r\u0131c\u0131l\u0131kla ilgili istatistiksel verilerin toplanmas\u0131 i\u00e7in uygulanan ilke ve tan\u0131mlar\u0131n a\u00e7\u0131klamas\u0131.<\/li>\n\n\n\n<li>Bir g\u00fcvenlik politikas\u0131 belgesi.<\/li>\n\n\n\n<li>Kara para aklama ve ter\u00f6r\u00fcn finansman\u0131n\u0131 \u00f6nlemek i\u00e7in i\u00e7 kontrol ve raporlama prosed\u00fcrleri ve organlar\u0131 olu\u015fturulmu\u015ftur. \u00d6zellikle, ba\u015fvuru sahibi taraf\u0131ndan kara para aklama ve ter\u00f6rizmin finansman\u0131 d\u00fczenlemelerine uyum sa\u011flamak amac\u0131yla getirilen mekanizmalar.<\/li>\n\n\n\n<li>Kullan\u0131c\u0131 fonlar\u0131n\u0131n her ko\u015fulda korunmas\u0131na y\u00f6nelik tedbirler.<\/li>\n\n\n\n<li>M\u00fc\u015fteri hizmetleri d\u00fczenlemeleri ve \u00f6deme hesaplar\u0131 ve \u00f6deme i\u015flemleri i\u00e7in ge\u00e7erli haklar.<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/06\/investglass-crm.jpeg\" alt=\"\" class=\"wp-image-32677\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/06\/investglass-crm.jpeg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/06\/investglass-crm-300x225.jpeg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/06\/investglass-crm-768x576.jpeg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass, k\u00fc\u00e7\u00fck \u00f6deme lisans\u0131n\u0131z\u0131 olu\u015fturman\u0131za yard\u0131mc\u0131 olabilir. InvestGlass, do\u011fru bankay\u0131 bulmaktan i\u015finizi y\u00fcr\u00fctmek i\u00e7in ihtiya\u00e7 duydu\u011funuz teknolojiyi sa\u011flamaya kadar her ad\u0131mda size yard\u0131mc\u0131 olacak anahtar teslim bir \u00e7\u00f6z\u00fcm sunar. InvestGlass, h\u0131zl\u0131 ve verimli bir \u015fekilde \u00e7al\u0131\u015fmaya ba\u015flaman\u0131za yard\u0131mc\u0131 olacak u\u00e7tan uca bir \u00e7\u00f6z\u00fcmd\u00fcr.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass ara\u00e7lar\u0131 \u015funlar\u0131 sunar <a class=\"wpil_keyword_link\" href=\"https:\/\/www.investglass.com\/tr\/dijital-ise-alim\/\" title=\"dijital i\u015fe al\u0131m\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"136\">dijital i\u015fe al\u0131m<\/a>, CRM, KYC, AML ve K\u00fc\u00e7\u00fck \u00d6deme Lisans\u0131n\u0131n t\u00fcm gereksinimlerini kar\u015f\u0131laman\u0131za yard\u0131mc\u0131 olacak uyumluluk mod\u00fclleri. InvestGlass, i\u015finizi sorunsuz ve verimli bir \u015fekilde y\u00fcr\u00fctmenize yard\u0131mc\u0131 olacak eksiksiz bir \u00e7\u00f6z\u00fcmd\u00fcr.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass ayr\u0131ca, \u00e7ok say\u0131da m\u00fc\u015fterisi olan m\u00fc\u015fterilerin eksik belgeleri, k\u00f6t\u00fc \u00f6deme yapanlar\u0131, hatalar\u0131 ve tam yetkili makam y\u00fck\u00fcml\u00fcl\u00fckleri olan hesaplar\u0131 h\u0131zl\u0131 bir \u015fekilde d\u00fczeltmelerini sa\u011flayan KYC iyile\u015ftirme \u00e7\u00f6z\u00fcm\u00fc olu\u015fturur.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">K\u00fc\u00e7\u00fck \u00d6deme lisans\u0131<\/h4>","protected":false},"excerpt":{"rendered":"<p>The\u00a0Small Payment Institution (SPI) license\u00a0is ideal for startups, allowing payment services with fewer regulatory hurdles. It limits transaction volumes to\u00a0\u20ac3 million per month, requires lower capital, and simplifies compliance. However, it\u00a0restricts certain services\u00a0like payment initiation and may require upgrading as a business grows. (FCA) What payment service provider should you consider? Obtaining a Small Payment [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":34650,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-34648","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Why Small Payment Licenses Are a Smart Choice?<\/title>\n<meta name=\"description\" content=\"The\u00a0Small Payment Institution (SPI) license\u00a0is ideal for startups, allowing payment services with fewer regulatory hurdles. 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