France · Payments & e-money
Noelse Pay
Noelse Pay is a French société anonyme with a board of directors, based in Angers. The Autorité de contrôle prudentiel et de résolution (ACPR) authorises it as a payment institution under bank code (CIB) 16338. It was called Afone Paiement until February 2022 and trades as Noelse. It offers euro payment accounts with French IBANs, Mastercard debit cards and account aggregation. It also offers card acceptance by terminal, online and by smartphone to small businesses, and it serves consumers. The firm does not publish its shareholders.
Licences and registrations
Held by Noelse Pay (LEI 969500O2EONIMPKGS872). 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 RegisterPrudential Supervisory and Resolution AuthorityLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Payment institutionPayment Institution | 530129204 | France | Active | 2011-02-21 | — |
|
Search the register ↗ |
- Licences belong to the legal entity, not to a BIC.
- 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.
- The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- AFOPFR21XXX head office
- Connection to Swift
- Passive participant (no connection)This BIC is registered for identification only. The institution has no direct connection to the Swift network. Messages and payments reach it through a correspondent bank. The “1” in the eighth character of AFOPFR21 marks a passive participant.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT · SCT Inst · SDD Core · VOP · TIPS
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2011-10-01
- Last updated
- 2024-12-16
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Not published
Firm type
E-money and accounts
Trades as Noelse
- Standing
- The firm was called Afone Paiement until February 2022, when it was renamed Noelse Pay. It trades under the Noelse brand.
- Ownership
- The firm does not publish its shareholders. Wikipedia describes it as the payment business that Philip Fournier kept when Altice France bought Afone Participations in 2021.
- Head office
- 11 place François Mitterrand, 49100 Angers, France
- Company register
- RCS Angers 530 129 204
- Incorporated
- 3 Feb 2011
- Founders
- Philip Fournier · Eric Durand-Gasselin
- Former name
- AFONE PAIEMENT
Online
- Websites & references
- noelse.com ↗
noelse.com/professionnels ↗ business customer site
faq.noelse.com ↗ consumer help centre
faqpro.noelse.com ↗ business help centre
app.noelse.com ↗ customer web portal
careers.noelse.com ↗ careers site
Wikipedia ↗ group article - Official social accounts
- LinkedIn ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
- Apps
- Google Play ↗ · App Store ↗
Sources · 9 pages consulted
- noelse.com/
- noelse.com/mentions-legales/
- noelse.com/legal/
- noelse.com/wp-content/uploads/2026/06/20052026-CGU-PART-1.pdf
- noelse.com/professionnels/wp-content/uploads/sites/2/2026/09/20260928_CGU_Professionnels_FR.pdf
- annuaire-entreprises.data.gouv.fr/entreprise/noelse-pay-530129204
- fr.wikipedia.org/wiki/Noelse
- adcfrance.fr/epargne/les-sites-noelse-france-com-noelse-international-com-noelsefrance-com/
- abe-infoservice.fr/fr/liste-noire
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The ACPR authorises the firm as a payment institution under Article L. 314-1 of the French Monetary and Financial Code. The EBA register lists payment services, card acquiring, payment initiation and account information for the firm.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Autorité de contrôle prudentiel et de résolution (ACPR) France | Établissement de paiement (payment institution) | 16338 | In its own name | Active | noelse.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
- Not disclosedThe firm states that it protects funds held in customers' payment accounts under Article L. 522-17 of the Monetary and Financial Code. It does not name the method or the bank concerned.
- Payment schemes and card networks
- Mastercard Access not stated noelse.com ↗
CB (Groupement des Cartes Bancaires) acceptance Through a partner noelse.com ↗
Visa acceptance Through a partner noelse.com ↗
SEPA Credit Transfer Access not stated noelse.com ↗
SEPA Direct Debit Access not stated noelse.com ↗
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 provides euro payment accounts with SEPA transfers and direct debits, Mastercard debit cards, sub-accounts, account aggregation and an interest-free EUR 100 advance for Noelse Care subscribers. For business customers it adds card acceptance through terminals, online payment links and a smartphone payment app (TapNpay) covering CB, Visa and Mastercard.
Customers must be tax-resident in the EU. The firm treats France, Germany, Italy and Spain as domestic card-issuing countries and ships payment terminals to those countries and Luxembourg.
- Sells to
- Small businesses · Consumers
- Serves customers in 5 countries
- France · Germany · Italy · Spain · Luxembourg
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.
Regulator warnings
Researched 29 Sep 2026 · Sources
-
Impersonation Autorité de contrôle prudentiel et de résolution (ACPR), via the ABE Infoservice blacklist, France
The authorities blacklisted the websites noelse-france.com, noelse-international.com and noelsefrance.com. These sites used the Noelse name without authorisation and are not the firm's domains.
adcfrance.fr ↗
Entries on regulators’ consumer-warning lists that name the firm or its brand. An impersonation warning is about fraudsters posing as the firm, not about the firm itself.
Identifiers
Head-office record
- BIC
- AFOPFR21XXX
- How the BIC breaks down
- AFOPBank
- FRCountry · France
- 21Location · passive
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 969500O2EONIMPKGS872
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- 530129204
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entry: Matched by Elucidate to GLEIF on name, country and address.
- Register-entry ID
- 3aa439871d2b
- National bank code
- Code interbancaire (CIB) 16338
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.
- Register licences
- 1 entry on 1 register
- Activities
- Payment services
- Card acquiring
- Payment initiation
- Account information
- Licensed in
- France
- Country · region
- France · Europe & Central Asia
- Banking supervision
- Not on the ECB's list of supervised entities as of 2026-07-01
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
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
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- 11 PLACE FRANCOIS MITTERRAND ANGERS CEDEX02, MAINE- ET- LOIRE 49055 FRANCE
- Operational address
- 11 PLACE FRANCOIS MITTERRAND CS11024 ANGERS 49055 ANGERS FRANCE
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Debtor agent, creditor agent or an intermediary agent
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>AFOPFR21XXX</BICFI>
<LEI>969500O2EONIMPKGS872</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>AFOPFR21XXX</BICFI>
<LEI>969500O2EONIMPKGS872</LEI>
<Nm>NOELSE PAY</Nm>
<PstlAdr>
<TwnNm>ANGERS</TwnNm>
<Ctry>FR</Ctry>
<AdrLine>11 PLACE FRANCOIS MITTERRAND ANGERS CEDEX02, MAINE- ET- LOIRE 49055</AdrLine>
</PstlAdr>
</FinInstnId>This BIC is not connected to Swift. Messages reach the institution through a correspondent bank, so it cannot be the instructing or instructed agent.
The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
|---|---|---|---|
| SEPA Credit TransferISO 20022 messages | 2016-12-05 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2021-07-05 | Head office | — |
| SEPA Direct Debit CoreISO 20022 messages | 2016-12-05 | Head office | — |
| Verification of Payee | 2025-12-06 | Head office | — |
| TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — |
SEPA dates are when the institution became ready for the scheme. TIPS entries have no joining date.
An institution missing from T2 may still be reachable through an indirect participant. The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
National bank codes
Code interbancaire (CIB) · France
1 code
| Code | Routes to BIC | Name in the national file | City |
|---|---|---|---|
| 16338 | AFOPFR21XXX | NOELSE PAY | ANGERS |
Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
Register entries are not screened against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
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 →Credits for this page
- Payment schemes and systems—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate. Source: European Central Bank, List of TIPS participants and reachable parties.
- National bank codes—France (Source: ACPR – REGAFI).
- EBA PSD2 Register—European Banking Authority (EBA) · register ↗ as at 25 September 2026
- 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.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: noelse.com (official website) · original.
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