Italy · Payments & e-money
A-Tono Payment Institute SPA
Legal name in the LEI recordA-TONO PAYMENT INSTITUTE S.P.A.
A-Tono Payment Institute S.p.A. is a joint-stock company based in Milan. The Bank of Italy authorises it as a payment institution. It has been entered in the Bank of Italy's register of payment institutions under number 36064.4 since April 2016. Its sole shareholder is A-Tono S.r.l., which also directs and coordinates it. Under the DropPay brand it offers payment accounts, Mastercard debit cards, bill and PagoPA payments and card acceptance to consumers, businesses and public bodies in Italy.
Licences and registrations
Held by A-Tono Payment Institute SPA (LEI 815600286E32659BFC36). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| EBA PSD2 RegisterBank of Italy | Payment institutionPayment Institution | 09217250969 | Italy | Active | 2018-01-14 | — |
|
Search the register ↗ |
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
Swift network
Swift’s ISO 9362 BIC directory
Holds no BIC in Swift’s directory.
Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Group subsidiary
100% A-Tono S.r.l.
Firm type
E-money and accounts
Trades as DropPay
- Ownership
- A-Tono S.r.l. is the firm's sole shareholder with 100% and directs and coordinates it.
- Direct parent
- A-Tono S.r.l. ↗, Italy 100%
- Head office
- Corso Buenos Aires 77, 20124 Milano, Italy
- Company register
- Registro delle Imprese di Milano, REA MI-2076312; codice fiscale 09217250969
Online
- Websites & references
- drop-pay.com ↗
a-tono.com ↗ The firm's corporate and regulatory page on the A-Tono group site, which the firm names as its reference website
developers.drop-pay.com ↗ PSD2 gateway and developer area for third-party providers
payments.drop-pay.com ↗ Online payment portal (PagoPA and bill payments) - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
Sources · 11 pages consulted
- a-tono.com/it/payment-institute
- drop-pay.com/
- drop-pay.com/documents/Foglio_Informativo_e_Documento_di_Sintesi_Servizio_DropPay.pdf
- drop-pay.com/documents/Foglio_Informativo_e_Documento_di_Sintesi_Carta_di_Debito_DropPay.pdf
- drop-pay.com/documents/Condizioni_Generali_di_Contratto_Servizio_DropPay.pdf
- a-tono.com/it/people
- lei.bloomberg.com/leis/view/815600286E32659BFC36
- a-tono.com/it/news/con-tono-e-kolme-i-pagamenti-acquistano-un-nuovo-valore
- arenadigitale.it/2023/11/10/a-tono-pagamenti-made-in-italy-personalizzabili-facili-e-sicuri/
- confcommerciomilano.it/it/impresa_persona/convenzioni/convenzioni/banche/A-TONO/index.html
- drop-pay.com/documents/Relazione_reclami_2023.pdf
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The Bank of Italy authorises the firm as a payment institution under Italy's Consolidated Banking Act (Legislative Decree 385/1993). The EBA register lists payment services, card acquiring, payment initiation and account information.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Bank of Italy (Banca d'Italia) Italy | Istituto di pagamento (Albo degli Istituti di Pagamento) | 36064.4 | In its own name | Active | a-tono.com ↗ |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Segregated safeguarding accountsThe firm states that it holds all client funds, identified as third-party funds, in its own name at an unnamed credit institution, beyond the reach of its creditors.
- Payment schemes and card networks
- SEPA (SCT, SCT Inst, SDD) Access not stated a-tono.com ↗
Swift Direct a-tono.com ↗
Mastercard Direct arenadigitale.it ↗
Visa Direct arenadigitale.it ↗
Bancomat / PagoBancomat Direct arenadigitale.it ↗
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
It offers DropPay payment accounts, Mastercard debit cards, SEPA transfers, PagoPA, F24 and bill payments, and card acceptance through DropPOS terminals.
It serves customers in Italy, where it sends and receives euro payments within the SEPA area.
- Sells to
- Consumers · Small businesses · Enterprises · Public sector · Financial institutions
- Serves customers in
- Italy
Leadership
Researched 29 Sep 2026 · Sources
- Chair
- Giuseppe Granato Presidente del Consiglio di amministrazione
- Chief executive
- Antonio Cristaldi Consigliere Delegato; Managing Director
- Executive
- Orazio Granato Consigliere Delegato; A-Tono Group Chairman & Chief Executive Officer
- Chief financial officer
- Filippo Granato Chief Financial Officer (A-Tono group)
Recent events
Researched 29 Sep 2026 · Sources
The research found no fines, investigations, security incidents, licence changes or corporate events from the last three years.
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
- Licence no. · EBA-PSD2
- 09217250969
- BIC
- Holds no BIC in Swift’s directory
- How the LEI was matched
- Matched by Elucidate to GLEIF on name, country and address
- Elucidate firm ID
- ec03d0f1010e
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Main licence class
- Payment Institution
- Activities
- Payment services
- Card acquiring
- Payment initiation
- Account information
- Licensed in
- Italy · Europe & Central Asia
- First registered
- 2018-01-14
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
- Direct parent
- A-Tono S.R.L. · Italy815600D8F5DA79548163 ↗
Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- CORSO BUENOS AIRES, 77, MILANO, 20124
- Country
- Italy
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code.
- Identified by
- Name and postal address, with its LEI
- Postal address
- Hybrid: town, postcode and country in their own elements, the rest in one address line
<FinInstnId>
<LEI>815600286E32659BFC36</LEI>
<Nm>A-TONO PAYMENT INSTITUTE SPA</Nm>
<PstlAdr>
<PstCd>20124</PstCd>
<TwnNm>MILANO</TwnNm>
<Ctry>IT</Ctry>
<AdrLine>CORSO BUENOS AIRES, 77</AdrLine>
</PstlAdr>
</FinInstnId>CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent.
The values are as published by the register. Check them against your own records before use.
Sources & method
Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI.
An institution missing from these registers is not necessarily unregulated.
Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Register for this page
- EBA PSD2 Register—European Banking Authority (EBA) · source ↗ as at 25 September 2026
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
Assess the financial crime risk behind a licence
A licence records what an institution is authorised to do; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks and payment institutions.
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