{"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":"%e4%b8%ba%e4%bb%80%e4%b9%88%e5%9c%a8%e6%ac%a7%e6%b4%b2%e5%bc%80%e5%b1%95%e6%94%af%e4%bb%98%e4%b8%9a%e5%8a%a1%ef%bc%8c%e5%b0%8f%e9%a2%9d%e6%94%af%e4%bb%98%e8%ae%b8%e5%8f%af%e8%af%81%e6%98%af%e4%b8%80","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/zh\/why-a-small-payment-license-is-a-good-option-to-start-a-payment-business-in-the-eea\/","title":{"rendered":"\u4e3a\u4ec0\u4e48\u5c0f\u989d\u652f\u4ed8\u8bb8\u53ef\u8bc1\u662f\u5728\u6b27\u6d32\u7ecf\u6d4e\u533a\u5f00\u529e\u652f\u4ed8\u4e1a\u52a1\u7684\u597d\u9009\u62e9\uff1f"},"content":{"rendered":"

\"(\u300a\u4e16\u754c\u4eba\u6743\u5ba3\u8a00\u300b)\u00a0\u5c0f\u578b\u652f\u4ed8\u673a\u6784 (SPI) \u8bb8\u53ef\u8bc1<\/strong>\u00a0\u662f\u521d\u521b\u4f01\u4e1a\u7684\u7406\u60f3\u9009\u62e9\uff0c\u53ef\u4ee5\u63d0\u4f9b\u76d1\u7ba1\u969c\u788d\u8f83\u5c11\u7684\u652f\u4ed8\u670d\u52a1\u3002\u5b83\u5c06\u4ea4\u6613\u91cf\u9650\u5236\u5728\u00a0\u6bcf\u6708 300 \u4e07\u6b27\u5143<\/strong>, \u800c\u4e14\uff0c\u5b83\u6240\u9700\u7684\u8d44\u672c\u8f83\u4f4e\uff0c\u5e76\u7b80\u5316\u4e86\u5408\u89c4\u6027\u3002\u4f46\u662f\u00a0\u9650\u5236\u67d0\u4e9b\u670d\u52a1<\/strong>\u00a0\u5982\u652f\u4ed8\u542f\u52a8\uff0c\u968f\u7740\u4e1a\u52a1\u7684\u53d1\u5c55\u53ef\u80fd\u9700\u8981\u5347\u7ea7\u3002(FCA<\/a>)<\/p>\n\n\n\n

\u60a8\u5e94\u8be5\u8003\u8651\u54ea\u5bb6\u652f\u4ed8\u670d\u52a1\u63d0\u4f9b\u5546\uff1f<\/h2>\n\n\n\n

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\u521d\u59cb\u8d44\u91d1\u4e0d\u4e00\u6837\uff0c\u6587\u4ef6\u66f4\u7b80\u5355\uff0c\u5f53\u5730\u56e2\u961f\u7684\u8981\u6c42\u4e5f\u4e0d\u4e00\u6837......\u60a8\u5e73\u5747\u9700\u8981 3 \u5230 6 \u4e2a\u6708\u7684\u65f6\u95f4\uff0c\u800c\u5982\u679c\u60a8\u5bfb\u627e\u7684\u662f EMI \u6216 PI\uff0c\u5219\u9700\u8981 12 \u5230 24 \u4e2a\u6708\u3002.<\/p>\n\n\n\n

\u8bb8\u591a\u4f01\u4e1a\u5bb6\u5bf9\u5c0f\u989d\u652f\u4ed8\u7684\u60c5\u51b5\u4e0d\u611f\u5174\u8da3\uff0c\u56e0\u4e3a\u60a8\u6709\u62a4\u7167\u9650\u5236\u3002\u670d\u52a1\u53ea\u80fd\u5728\u6ce8\u518c\u5730\u9500\u552e\u3002\u56e0\u6b64\uff0c\u5982\u679c\u60a8\u60f3\u4ece\u7a81\u5c3c\u65af\u6216\u6469\u6d1b\u54e5\u516c\u6c11\u90a3\u91cc\u6536\u6b3e\uff0c\u800c\u8fd9\u4e9b\u516c\u6c11\u5728\u897f\u73ed\u7259\u6216\u6cd5\u56fd\u8fdb\u884c\u5c0f\u989d\u652f\u4ed8\uff0c\u90a3\u4e48\u5bf9\u4e8e\u8fd9\u7c7b\u8bb8\u53ef\u8bc1\u6765\u8bf4\uff0c\u8fd9\u901a\u5e38\u8fc7\u4e8e\u590d\u6742\u3002\u6b64\u5916\uff0c\u8fd8\u6709\u4e00\u4e2a\u4ea4\u6613\u91cf\u9650\u5236\uff0c\u5373\u603b\u7edf 12 \u4e2a\u6708\u5185\u6267\u884c\u7684\u652f\u4ed8\u4e1a\u52a1\u7684\u5e73\u5747\u4ef7\u503c\u4e0d\u5f97\u8d85\u8fc7\u6bcf\u6708 300 \u4e07\u6b27\u5143\u3002\u8bb8\u53ef\u7a0b\u5e8f\u663e\u7136\u66f4\u7b80\u4fbf\uff0c\u4f46\u5bf9\u4e8e\u60c5\u51b5\u590d\u6742\u7684\u4f01\u4e1a\u6216\u643a\u5e26\u73b0\u91d1\u7684\u5ba2\u6237\u800c\u8a00\uff0c\u5219\u6beb\u65e0\u5e2e\u52a9\u3002.<\/p>\n\n\n\n

\u5982\u679c\u60a8\u60f3\u5728\u8fd9\u79cd\u6cd5\u5f8b\u57fa\u7840\u4e0a\u5efa\u7acb\u8fd9\u7c7b\u91d1\u878d\u79d1\u6280\u516c\u53f8\uff0c\u90a3\u4e48\u7b80\u5355\u8ba1\u7b97\u4e00\u4e0b\u5c31\u4f1a\u53d1\u73b0\uff0c\u5728\u652f\u4ed8\u6240\u6709\u8d39\u7528\u548c\u5f80\u6765\u8d26\u6237\u540e\uff0c\u60a8\u6bcf\u6708\u7684\u6536\u5165\u53ef\u80fd\u4e0d\u4f1a\u8d85\u8fc7 35,000 \u6b27\u5143\u3002\u8fd9\u79cd\u6a21\u5f0f\u901a\u5e38\u7528\u4e8e\u6d4b\u8bd5\u672c\u5730 \u5e02\u573a\u8425\u9500<\/a> \u673a\u4f1a\uff0c\u7136\u540e\u51c6\u5907\u5f81\u670d\u6b27\u6d32\u3002.<\/p>\n\n\n\n

\u7136\u540e\u518d\u51b3\u5b9a\u662f\u5426\u9700\u8981\u66f4\u590d\u6742\u7684\u652f\u4ed8\u5904\u7406\u8bb8\u53ef\u8bc1\u3002.<\/p>\n\n\n\n

\"\u767d\u9ed1\u76f8\u95f4\u7684\u6728\u8d28\u62a5\u4ef7\u677f\"<\/figure>\n\n\n\n

\u897f\u73ed\u7259\u5c0f\u989d\u652f\u4ed8\u673a\u6784\u8bb8\u53ef\u8bc1\u4e0e\u6b27\u76df\u5176\u4ed6\u56fd\u5bb6\u6709\u4f55\u4e0d\u540c<\/h2>\n\n\n\n

\u90a3\u4e48\uff0c\u897f\u73ed\u7259\u7684 SPI \u8bb8\u53ef\u8bc1\u4e0e\u6b27\u76df\u5176\u4ed6\u56fd\u5bb6\u7684\u8bb8\u53ef\u8bc1\u6709\u4f55\u4e0d\u540c\uff1f\u901a\u5e38\u60c5\u51b5\u4e0b\uff0c\u5f53\u5c0f\u578b PI \u6bcf\u6708\u652f\u4ed8\u989d\u8fbe\u5230 300 \u4e07\u6b27\u5143\u7684\u95e8\u69db\u540e\uff0c\u60a8\u5c31\u5fc5\u987b\u7533\u8bf7\u6b63\u5f0f\u7684 PI \u6216 EMI \u8bb8\u53ef\u8bc1\u3002.<\/p>\n\n\n\n

\u897f\u73ed\u7259\u662f\u4e00\u4e2a\u975e\u5e38\u6709\u8da3\u7684\u56fd\u5bb6\uff0c\u56e0\u4e3a\u5b83\u63d0\u4f9b\u4e86\u4e00\u4e2a\u975e\u5e38\u53cb\u597d\u7684\u73af\u5883\uff0c\u800c\u4e14\u60a8\u53ef\u4ee5\u5728\u6ca1\u6709\u4ed8\u6b3e\u989d\u9650\u5236\u7684\u60c5\u51b5\u4e0b\u5f00\u5c55\u5de5\u4f5c\u3002\u8fd9\u4e00\u7b56\u7565\u5c06\u5e2e\u52a9\u60a8\u5feb\u901f\u5f00\u5c55\u4e1a\u52a1\uff0c\u5e76\u4e14\u5728\u652f\u4ed8\u5361\u65b9\u9762\u6ca1\u6709\u4efb\u4f55\u9650\u5236\u3002\u5f53\u7136\uff0c\u60a8\u5728\u8de8\u5883\u652f\u4ed8\u548c\u73b0\u91d1\u65b9\u9762\u4ecd\u4f1a\u53d7\u5230\u4e00\u4e9b\u9650\u5236\u3001, \u53cd\u6d17\u94b1<\/a> AML.<\/p>\n\n\n\n

\u897f\u73ed\u7259\u7684\u5c0f\u578b\u8bb8\u53ef\u8bc1\u4e0d\u80fd\u5728\u5176\u4ed6\u6b27\u76df\u56fd\u5bb6\u901a\u884c\u3002\u5e0c\u671b\u5efa\u7acb\u652f\u4ed8\u5904\u7406\u670d\u52a1\u7684\u91d1\u878d\u79d1\u6280\u516c\u53f8\u53ef\u80fd\u4f1a\u53d1\u73b0\u897f\u73ed\u7259\u7684\u9650\u5236\u592a\u591a\uff0c\u5982\u679c\u4ed6\u4eec\u5e0c\u671b\u5c06\u4e1a\u52a1\u6269\u5c55\u5230\u6574\u4e2a\u6b27\u6d32\uff0c\u5c31\u9700\u8981\u53e6\u5bfb\u7b56\u7565\u3002\u4e0d\u8fc7\uff0c\u897f\u73ed\u7259\u4ecd\u7136\u662f\u4e00\u4e2a\u975e\u5e38\u6709\u5438\u5f15\u529b\u7684\u4e2d\u4ecb\u89e3\u51b3\u65b9\u6848\uff0c\u53ef\u4ee5\u7528\u6765\u6d4b\u8bd5\u5546\u4e1a\u6a21\u5f0f\u3002.<\/p>\n\n\n\n

\u5728\u897f\u73ed\u7259\u7533\u8bf7\u901a\u5e38\u9700\u8981 6 \u81f3 12 \u4e2a\u6708\uff0c\u800c\u5728\u6b27\u6d32\u5176\u4ed6\u56fd\u5bb6\u5219\u9700\u8981 12 \u81f3 24 \u4e2a\u6708\u3002\u60a8\u8fd8\u53ef\u4ee5\u53c2\u4e0e\u897f\u73ed\u7259\u94f6\u884c\u7684\u76d1\u7ba1\u6c99\u76d2\u6cd5\u6848\u3002\u8be5\u76d1\u7ba1\u6c99\u76d2\u6db5\u76d6\u652f\u4ed8\u5de5\u5177\u3001\u652f\u4ed8\u5361\u548c\u4e0d\u540c\u7c7b\u578b\u91d1\u878d\u4e1a\u52a1\u7684\u6240\u6709\u4e1a\u52a1\u9700\u6c42\u3002.<\/p>\n\n\n\n

\"\u4eba\u4eec\u767d\u5929\u5728\u4eba\u884c\u9053\u4e0a\u884c\u8d70\"<\/figure>\n\n\n\n

\u897f\u73ed\u7259 SPI \u6ce8\u518c\u53ca\u652f\u4ed8\u670d\u52a1\u7528\u6237\u548c\u652f\u4ed8\u670d\u52a1\u63d0\u4f9b\u5546\u6240\u9700\u4fe1\u606f<\/h2>\n\n\n\n

\u5982\u897f\u73ed\u7259\u94f6\u884c\u6240\u8ff0\uff0c\u5c0f\u578b\u652f\u4ed8\u670d\u52a1\u63d0\u4f9b\u5546\u5728\u8fc7\u53bb 12 \u4e2a\u6708\u4e2d\u6bcf\u6708\u6267\u884c\u7684\u652f\u4ed8\u4e1a\u52a1\u5e73\u5747\u4ef7\u503c\u4e0d\u8d85\u8fc7 300 \u4e07\u6b27\u5143\uff0c\u5219\u4e0d\u53d7\u4e00\u822c\u652f\u4ed8\u673a\u6784\u6388\u6743\u8ba1\u5212\u7684\u9650\u5236\u3002.<\/p>\n\n\n\n

\u5982\u679c\u60a8\u60f3\u5f00\u59cb\u60a8\u7684 \u652f\u4ed8\u673a\u6784\u7279\u522b\u6ce8\u518c<\/em>, \u8d35\u516c\u53f8\u5fc5\u987b\u9075\u5b88\u4ee5\u4e0b\u8981\u6c42\uff1a<\/p>\n\n\n\n

    \n
  1. \u5728\u897f\u73ed\u7259\u8bbe\u6709\u6ce8\u518c\u529e\u4e8b\u5904\u3001\u6709\u6548\u7684\u884c\u653f\u7ba1\u7406\u673a\u6784\u548c\u652f\u4ed8\u670d\u52a1\u673a\u6784\uff0c\u5e76\u5728\u897f\u73ed\u7259\u5f00\u8bbe\u94f6\u884c\u8d26\u6237\u3002.<\/li>\n\n\n\n
  2. \u6839\u636e\u897f\u73ed\u7259\u94f6\u884c\uff08\u65e0\u5176\u4ed6\u4e3b\u7ba1\u673a\u6784\uff09\u7684\u89c4\u5b9a\uff0c\u652f\u4ed8\u673a\u6784\u7684\u8463\u4e8b\u5fc5\u987b\u5177\u6709\u826f\u597d\u7684\u58f0\u8a89\uff0c\u5e76\u5177\u5907\u76f8\u5e94\u7684\u94f6\u884c\u77e5\u8bc6\u548c\u91d1\u878d\u79d1\u6280\u7ecf\u9a8c\uff0c\u4ee5\u63d0\u4f9b\u652f\u4ed8\u670d\u52a1\u3002.<\/li>\n\n\n\n
  3. \u5efa\u7acb\u5185\u90e8\u63a7\u5236\u548c\u62a5\u544a\u7a0b\u5e8f\u53ca\u673a\u6784\uff0c\u4ee5\u9632\u6b62\u6d17\u94b1\u548c\u6050\u6016\u4e3b\u4e49\u878d\u8d44...<\/li>\n\n\n\n
  4. \u60a8\u7684\u516c\u53f8\u5c06\u65e0\u6cd5\u5728\u6b27\u76df\u5176\u4ed6\u56fd\u5bb6\u81ea\u7531\u8bbe\u7acb\u6216\u81ea\u7531\u63d0\u4f9b\u670d\u52a1\u3002\u8fd9\u5bf9\u521d\u521b\u516c\u53f8\u6765\u8bf4\u53ef\u80fd\u662f\u4e00\u4e2a\u77ed\u671f\u95ee\u9898\u3002.<\/li>\n\n\n\n
  5. \u5728\u897f\u73ed\u7259\u6210\u7acb\u4e00\u5bb6\u516c\u53f8\uff0c\u5728\u897f\u73ed\u7259\u516c\u53f8\u6ce8\u518c\u5904\u6ce8\u518c\uff0c\u5e76\u7533\u8bf7\u8be5\u516c\u53f8\u7684\u72af\u7f6a\u8bb0\u5f55\u8bc1\u660e\u3002.<\/li>\n\n\n\n
  6. \u63d0\u4f9b\u4e00\u4efd\u6d3b\u52a8\u8ba1\u5212\uff0c\u5177\u4f53\u5305\u62ec\u5c06\u63d0\u4f9b\u7684\u652f\u4ed8\u670d\u52a1\u7c7b\u578b\u3002\u60a8\u5e94\u5236\u5b9a\u8be6\u7ec6\u7684\u6761\u6b3e\u548c\u6761\u4ef6\uff0c\u5e76\u7531\u652f\u4ed8\u670d\u52a1\u7528\u6237\u7b7e\u7f72\u3002.<\/li>\n\n\n\n
  7. \u5305\u542b\u4ee5\u4e0b\u5185\u5bb9\u7684\u4e1a\u52a1\u8ba1\u5212\uff1a\u652f\u4ed8\u5361\u6d41\u7a0b\u3001\u8de8\u5883\u652f\u4ed8\u6d41\u7a0b\u3001\u4e2a\u4eba\u6216\u516c\u53f8\u7b5b\u9009\u3001\u5458\u5de5\u59d3\u540d\u548c\u804c\u79f0\u3001\u624b\u673a\u94f6\u884c\u89e3\u51b3\u65b9\u6848\u3001\u9000\u6b3e\u653f\u7b56\u3001\u5728\u7ebf\u9500\u552e\u70b9\u89e3\u51b3\u65b9\u6848\u3001\u8f6c\u8d26\u8bf4\u660e...<\/li>\n\n\n\n
  8. \u7528\u897f\u73ed\u7259\u8bed\u548c\u82f1\u8bed\u8d77\u8349\u53c2\u4e0e\u63d0\u4f9b\u652f\u4ed8\u670d\u52a1\u7684\u5404\u65b9\u4e4b\u95f4\u7684\u5408\u540c\u3002.<\/li>\n\n\n\n
  9. \u76d1\u63a7\u3001\u5904\u7406\u548c\u8ddf\u8fdb\u5b89\u5168\u4e8b\u4ef6\u548c\u4e0e\u5b89\u5168\u76f8\u5173\u7684\u5ba2\u6237\u6295\u8bc9\u7684\u7a0b\u5e8f\u3002.<\/li>\n\n\n\n
  10. \u8bf4\u660e\u4e3a\u8bb0\u5f55\u3001\u63a7\u5236\u3001\u8ddf\u8e2a\u548c\u9650\u5236\u8bbf\u95ee\u654f\u611f\u4ed8\u6b3e\u6570\u636e\u800c\u5236\u5b9a\u7684\u7a0b\u5e8f\uff0c\u56e0\u4e3a\u6211\u4eec\u4e5f\u5728\u6b27\u6d32 GDPR \u533a\u57df\u5185\u3002\u5728\u53d1\u9001\u7535\u5b50\u90ae\u4ef6\u4e4b\u524d\uff0c\u4e0d\u8981\u5fd8\u8bb0\u6536\u96c6\u548c\u6ce8\u518c\u540c\u610f\u3002.<\/li>\n\n\n\n
  11. \u8bf4\u660e\u6536\u96c6\u6709\u5173\u6210\u679c\u3001\u5408\u89c4\u62a5\u544a\u3001\u8fd0\u4f5c\u548c\u6b3a\u8bc8\u7684\u7edf\u8ba1\u6570\u636e\u6240\u91c7\u7528\u7684\u539f\u5219\u548c\u5b9a\u4e49\u3002.<\/li>\n\n\n\n
  12. \u5b89\u5168\u653f\u7b56\u6587\u4ef6\u3002.<\/li>\n\n\n\n
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  14. \u5728\u4efb\u4f55\u60c5\u51b5\u4e0b\u4fdd\u62a4\u7528\u6237\u8d44\u91d1\u7684\u63aa\u65bd\u3002.<\/li>\n\n\n\n
  15. \u5ba2\u6237\u670d\u52a1\u89c4\u5b9a\u4ee5\u53ca\u652f\u4ed8\u8d26\u6237\u548c\u652f\u4ed8\u4ea4\u6613\u7684\u9002\u7528\u6743\u5229\u3002.<\/li>\n<\/ol>\n\n\n\n
    \"\"<\/figure>\n\n\n\n

    InvestGlass \u53ef\u5e2e\u52a9\u60a8\u5efa\u7acb\u5c0f\u578b\u652f\u4ed8\u8bb8\u53ef\u8bc1\u3002InvestGlass \u63d0\u4f9b\u4ea4\u94a5\u5319\u89e3\u51b3\u65b9\u6848\uff0c\u4ece\u5bfb\u627e\u5408\u9002\u7684\u94f6\u884c\u5230\u63d0\u4f9b\u4e1a\u52a1\u8fd0\u8425\u6240\u9700\u7684\u6280\u672f\uff0c\u6bcf\u4e00\u6b65\u90fd\u5c06\u4e3a\u60a8\u63d0\u4f9b\u5e2e\u52a9\u3002InvestGlass \u662f\u7aef\u5230\u7aef\u7684\u89e3\u51b3\u65b9\u6848\uff0c\u53ef\u5e2e\u52a9\u60a8\u5feb\u901f\u9ad8\u6548\u5730\u5f00\u5c55\u4e1a\u52a1\u3002.<\/p>\n\n\n\n

    InvestGlass \u5de5\u5177\u63d0\u4f9b \u6570\u5b57\u5165\u804c<\/a>, InvestGlass \u63d0\u4f9b\u5ba2\u6237\u5173\u7cfb\u7ba1\u7406\u3001KYC\u3001\u53cd\u6d17\u94b1\u548c\u5408\u89c4\u6a21\u5757\uff0c\u5e2e\u52a9\u60a8\u6ee1\u8db3\u5c0f\u989d\u652f\u4ed8\u724c\u7167\u7684\u6240\u6709\u8981\u6c42\u3002InvestGlass \u662f\u4e00\u5957\u5b8c\u6574\u7684\u89e3\u51b3\u65b9\u6848\uff0c\u53ef\u5e2e\u52a9\u60a8\u987a\u5229\u3001\u9ad8\u6548\u5730\u5f00\u5c55\u4e1a\u52a1\u3002.<\/p>\n\n\n\n

    InvestGlass \u8fd8\u5efa\u7acb\u4e86 KYC \u4fee\u590d\u89e3\u51b3\u65b9\u6848\uff0c\u4f7f\u62e5\u6709\u5927\u91cf\u5ba2\u6237\u7684\u5ba2\u6237\u80fd\u591f\u5feb\u901f\u4fee\u590d\u6587\u4ef6\u7f3a\u5931\u3001\u4ed8\u6b3e\u4eba\u4e0d\u826f\u3001\u9519\u8bef\u548c\u5b8c\u5168\u4e3b\u7ba1\u5f53\u5c40\u4e49\u52a1\u7684\u8d26\u6237\u3002.<\/p>\n\n\n\n

    \u5c0f\u989d\u652f\u4ed8\u8bb8\u53ef\u8bc1<\/h4>","protected":false},"excerpt":{"rendered":"

    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 […]<\/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":"\nWhy 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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