--- title: "Paynopain Financial Services S.l. · Payment institution (Bank of Spain) · Spain | Elucidate" description: "Paynopain Financial Services S.l. is authorised by Bank of Spain as a payment institution in Spain. Licence 6899. LEI 959800R9UP64C1TDNX60. Register status, licences, activities and ownership." url: https://elucidate.co/directory/paynopain-financial-services-s-l-df30928fc3aa --- 1. [Directory](https://elucidate.co/directory) 2. [Spain](https://elucidate.co/directory/country/es) 3. Paynopain Financial Services S.l. Spain · Payments & e-money # Paynopain Financial Services S.l. Legal name in the LEI record PAYNOPAIN FINANCIAL SERVICES SL Paynopain Financial Services, S.L. is a Spanish private limited company based in Madrid. The Banco de España authorises it as a payment institution under registration number 6899. The Global LEI Index lists Jorjavi Crew Sociedad Limitada as its direct and ultimate parent. Under the PaynoPain brand it offers businesses card acquiring, a payment gateway, physical and virtual point-of-sale terminals and payment links, with a focus on hotels, e-commerce, restaurants and marketplaces. Register status Licensed in Spain Payment institution · Bank of Spain Prudential licence [1 licence or registration ↓](https://elucidate.co/directory/paynopain-financial-services-s-l-df30928fc3aa#licences) BIC **No BIC** LEI **[959800R9UP64C1TDNX60](https://search.gleif.org/#/record/959800R9UP64C1TDNX60)** [Licence no. **6899**](https://elucidate.co/directory/paynopain-financial-services-s-l-df30928fc3aa#licences) ## Licences and registrations Held by Paynopain Financial Services S.l. (LEI 959800R9UP64C1TDNX60). 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 Register](https://elucidate.co/directory/register/eba-psd2) Bank of Spain | Payment institutionPayment Institution | 6899 | [Spain](https://elucidate.co/directory/country/es) | Active | 2022-09-09 | — | - Payment services - Card acquiring | [Search the register ↗](https://euclid.eba.europa.eu/register/pir/search) | - 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](https://elucidate.co/directory/paynopain-financial-services-s-l-df30928fc3aa#overview-sources) Customers Not published Employees Not published Ownership Privately held JORJAVI CREW SOCIEDAD LIMITADA Firm type Merchant acquiring and processing Trades as PaynoPain - **Ownership:** The Global LEI Index lists Jorjavi Crew Sociedad Limitada as the firm's direct and ultimate parent for accounting consolidation. - **Direct parent:** [JORJAVI CREW SOCIEDAD LIMITADA ↗](https://search.gleif.org/#/record/9598001UY2CJQBCCE125), Spain - **Head office:** C/ de Téllez 30, Planta 1a, Oficina 3, 28007 Madrid, Spain - **Company register:** Registro Mercantil de Madrid, Tomo 39824, Folio 88, Sección 8, Hoja M-707501 (NIF B88513593) - **Founder:** Jordi Nebot ### Online - **Websites & references:** [paynopain.com ↗](https://paynopain.com/) [docs.paynopain.com ↗](https://docs.paynopain.com/docs/) developer documentation [portal.paynopain.com ↗](https://portal.paynopain.com/) merchant portal login - **Official social accounts:** [LinkedIn ↗](https://www.linkedin.com/company/paynopain/) · [X ↗](https://x.com/paynopain/) · [Facebook ↗](https://www.facebook.com/paynopain) · [Instagram ↗](https://www.instagram.com/paynopain_solutions/) · [YouTube ↗](https://www.youtube.com/@PaynoPainSolutionsSL2011/videos) Sources · 10 pages consulted 1. [paynopain.com/en/informacion-de-la-entidad/](https://paynopain.com/en/informacion-de-la-entidad/) 2. [paynopain.com/aviso-legal/](https://paynopain.com/aviso-legal/) 3. [paynopain.com/licencia-proteccion-fondos-usuarios/](https://paynopain.com/licencia-proteccion-fondos-usuarios/) 4. [lb.lt/en/sfi-financial-market-participants/paynopain-financial-services-sl](https://www.lb.lt/en/sfi-financial-market-participants/paynopain-financial-services-sl) 5. [paynopain.com/](https://paynopain.com/) 6. [paynopain.com/nuestro-equipo/](https://paynopain.com/nuestro-equipo/) 7. [paynopain.com/blog/paynopain-miembro-principal-visa-mastercard/](https://paynopain.com/blog/paynopain-miembro-principal-visa-mastercard/) 8. [paynopain.com/blog/la-fintech-paynopain-consigue-la-autorizacion-del-banco-de-espana-para-empezar-a-pre](https://paynopain.com/blog/la-fintech-paynopain-consigue-la-autorizacion-del-banco-de-espana-para-empezar-a-prestar-servicios-financieros-de-pago/) 9. [paynopain.com/blog/internacionalizacion-paynopain-portugal/](https://paynopain.com/blog/internacionalizacion-paynopain-portugal/) 10. [paynopain.com/en/servicio-de-atencion-al-cliente/](https://paynopain.com/en/servicio-de-atencion-al-cliente/) ## Authorisation Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/paynopain-financial-services-s-l-df30928fc3aa#overview-sources) - **Operates under:** Its own licences The Banco de España authorises the firm as a payment institution under registration number 6899. The Bank of Lithuania's register shows it has notified services without a branch in 30 member states. | Authority | Licence or registration | Number | Held | Status | Source | | --- | --- | --- | --- | --- | --- | | Banco de España Spain | Entidad de pago (payment institution) | 6899 | In its own name | Active | [paynopain.com ↗](https://paynopain.com/en/informacion-de-la-entidad/) | 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](https://elucidate.co/directory/paynopain-financial-services-s-l-df30928fc3aa#overview-sources) - **Safeguarding:** Segregated safeguarding accountsThe firm states that it holds users' funds in segregated bank accounts kept separate from its own resources. It says that funds not paid out by the end of the next business day are deposited in dedicated accounts at credit institutions. [paynopain.com ↗](https://paynopain.com/licencia-proteccion-fondos-usuarios/) - **Payment schemes and card networks:** Visa Direct [paynopain.com ↗](https://paynopain.com/blog/paynopain-miembro-principal-visa-mastercard/) Mastercard Direct [paynopain.com ↗](https://paynopain.com/blog/paynopain-miembro-principal-visa-mastercard/) 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](https://elucidate.co/directory/paynopain-financial-services-s-l-df30928fc3aa#overview-sources) - Merchant acquiring - Payment gateway - Payouts and mass payments It offers online and in-person card acceptance, Tap to Pay, payment links, subscriptions and split payments. It says its single gateway gives access to more than 50 payment methods, including Bizum, MB Way and Multibanco. It serves merchants in the EEA under its Spanish licence and has offices in Madrid and Castellón. The firm's website lists Gibraltar, the United Kingdom and five Latin American countries as covered through partners' licences. - **Sells to:** Small businesses · Enterprises · Platforms and marketplaces - **Serves customers in 35 countries:** Spain · Portugal · Romania · Germany · Austria · Belgium · Bulgaria · Cyprus · Croatia · Denmark · Slovakia · Slovenia · Estonia · Finland · France · Greece · Hungary · Ireland · Italy · Latvia · Lithuania · Luxembourg · Malta · Norway · Netherlands · Poland · Czechia · Sweden · United Kingdom · Gibraltar · Colombia · Guatemala · Mexico · Peru · Dominican Republic ## Leadership Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/paynopain-financial-services-s-l-df30928fc3aa#overview-sources) - **Chief executive:** Jordi Nebot CEO & Founder Confirmed 29 Sep 2026 · [paynopain.com ↗](https://paynopain.com/nuestro-equipo/) - **Chief financial officer:** Alberto Feliz CFO Confirmed 29 Sep 2026 · [paynopain.com ↗](https://paynopain.com/nuestro-equipo/) - **Compliance / MLRO:** Laura Gómez Compliance & AML Officer Confirmed 29 Sep 2026 · [paynopain.com ↗](https://paynopain.com/nuestro-equipo/) - **Executive:** Cristian Stan CTO Confirmed 29 Sep 2026 · [paynopain.com ↗](https://paynopain.com/nuestro-equipo/) - **Executive:** Fernando Gregori CTO Confirmed 29 Sep 2026 · [paynopain.com ↗](https://paynopain.com/nuestro-equipo/) - **Executive:** Héctor Iglesias CCO Confirmed 29 Sep 2026 · [paynopain.com ↗](https://paynopain.com/nuestro-equipo/) ## Recent events Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/paynopain-financial-services-s-l-df30928fc3aa#overview-sources) 1. Sep 2024 Other The firm announced that it had become a principal member of Visa and Mastercard, allowing it to acquire card payments directly. [paynopain.com ↗](https://paynopain.com/blog/paynopain-miembro-principal-visa-mastercard/) 2. Jun 2024 Other The firm began serving merchants in Portugal, adding the local payment methods MB Way and Multibanco. [paynopain.com ↗](https://paynopain.com/blog/internacionalizacion-paynopain-portugal/) 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:** 6899 - **BIC:** Holds no BIC in Swift’s directory - **LEI:** [959800R9UP64C1TDNX60 ↗](https://search.gleif.org/#/record/959800R9UP64C1TDNX60) - **How the LEI was matched:** Matched by Elucidate to GLEIF on name, country and address - **Elucidate firm ID:** df30928fc3aa ## Profile - **Type:** Payments & e-money - **Regulation:** Prudential licence - **Main licence class:** Payment Institution - **Activities:** - Payment services - Card acquiring - **Licensed in:** [Spain](https://elucidate.co/directory/country/es) · Europe & Central Asia - **First registered:** 2022-09-09 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:** Jorjavi Crew Sociedad Limitada · Spain[9598001UY2CJQBCCE125 ↗](https://search.gleif.org/#/record/9598001UY2CJQBCCE125) Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control. ## Addresses - **Address on the register:** CALLE TÉLLEZ 30 OFICINA 1-3, MADRID, 28007 - **Country:** Spain ## 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 ```xml 959800R9UP64C1TDNX60 PAYNOPAIN FINANCIAL SERVICES S.L. 28007 MADRID ES CALLE TÉLLEZ 30 OFICINA 1-3 ``` - CBPR+ does not accept the character É in names and addresses. Transliterate before sending. 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. ## Related institutions ### Other payments & e-money institutions in Spain - [Sheffield Ventures, S.l. No BIC Payments & e-money Money service business Prudential licence Spain · Licensed by Bank of Spain · 6885 (EBA-PSD2) · also on FINTRAC-MSB · LEI 959800FHCYS14PKLMU53](https://elucidate.co/directory/sheffield-ventures-s-l-b0c4d9f8c767) - [Bitcoinforme S.L. · trading as Bit2Me No BIC Payments & e-money Crypto Prudential licence Spain · Licensed by Bank of Spain · 6947 (EBA-PSD2) · also on ESMA-CASP · LEI 9598007R5LSUJLGLS853](https://elucidate.co/directory/bitcoinforme-s-l-e77eb0ba979c) - [Criptan Trade S.l. · trading as CRIPTAN No BIC Payments & e-money Crypto Prudential licence Spain · Licensed by Bank of Spain · 6951 (EBA-PSD2) · also on ESMA-CASP · LEI 959800AZN23P7F30C189](https://elucidate.co/directory/criptan-trade-s-l-9b85c68e3b36) - [Crossmint Europe S.l. · trading as CROSSMINT No BIC Payments & e-money Crypto Prudential licence Spain · Licensed by Bank of Spain · 6949 (EBA-PSD2) · also on ESMA-CASP · LEI 959800B6XCG14MKLTJ51](https://elucidate.co/directory/crossmint-europe-s-l-c8f7619b922a) - [Getnet Emoney Ede Sl BIC PAGOES22 Payments & e-money Prudential licence Spain · Licensed by Bank of Spain · 6722 (EBA-PSD2) · LEI 254900KRBS1LY7YOHY21](https://elucidate.co/directory/getnet-emoney-ede-sl-pagoes22) - [Minos Global S.l. · trading as MINOS GLOBAL No BIC Payments & e-money Crypto Prudential licence Spain · Licensed by Bank of Spain · 6948 (EBA-PSD2) · also on ESMA-CASP · LEI 959800U0R44NN5DJC930](https://elucidate.co/directory/minos-global-s-l-a8be650c1a6f) - [Outpayce SA BIC OUTPESM2 Payments & e-money Prudential licence Spain · Licensed by Bank of Spain · 6727 (EBA-PSD2) · LEI 9598005RQYUKA5W3GH05](https://elucidate.co/directory/outpayce-sa-outpesm2) - [Abanca Servicios Financieros E.f.c., S.A. No BIC Payments & e-money Prudential licence Spain · Licensed by Bank of Spain · 8620 (EBA-PSD2) · LEI 549300ORPMRMXB2JO334](https://elucidate.co/directory/abanca-servicios-financieros-e-f-c-s-a-b5a87a51f763) [See all →](https://elucidate.co/directory/search?type=payments&cc=ES) [Other entries on EBA-PSD2 →](https://elucidate.co/directory/register/eba-psd2) 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 →](https://elucidate.co/directory/methodology) Register for this page - **EBA PSD2 Register**—European Banking Authority (EBA) · [source ↗](https://euclid.eba.europa.eu/register/pir/search) 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)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks and payment institutions. [Book a demo](https://elucidate.co/demo-request) Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.