Ireland · Payments & e-money
Payoma Ireland Limited
Payoma Ireland Limited is a private limited company based in Dublin. The Central Bank of Ireland authorised it as an electronic money institution in November 2023, under reference C447645. It belongs to the Payoma group, which also includes Payoma Limited in the United Kingdom and Payoma (DIFC) Limited in the United Arab Emirates. Its authorisation covers issuing e-money, executing payment transactions, and issuing payment instruments or acquiring payment transactions.
Licences and registrations
Held by Payoma Ireland Limited (LEI 549300TFA54CU0ECDO13). 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 RegisterCentral Bank of IrelandLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Electronic money institutionE-Money / Stored Value Institution | C447645 | Ireland | Active | 2023-11-03 | — |
|
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.
European registers
ECB · monetary financial institutions
List as at 2026-09-25
- Category
- Other monetary financial institution
- Minimum reserves
- Not on the ECB reserve list
- Listed as
- Payoma Ireland Limited
- RIAD code
- IECBI00447645
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- PAOMIE22XXX head office
- Connection to Swift
- Reverse billingThe institution is connected to Swift. Messages sent to it are billed to the institution, not to the sender. The “2” in the eighth character of PAOMIE22 marks reverse billing.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2024-01-06
- Last updated
- 2024-01-06
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Not published
Firm type
E-money and accounts
Trades as Payoma
- Ownership
- The Payoma website presents the firm as part of the Payoma group, but no primary source confirming its direct shareholder was found.
- Head office
- Office A2.9, The Digital Hub, 10-13 Thomas Street, D08 PX8H Dublin 8, Ireland
- Incorporated
- 2020
Online
- Websites & references
- payoma.com ↗
merchant.payoma.com ↗ merchant login portal (Payoma brand) - Official social accounts
- LinkedIn ↗
- Apps
- App Store ↗ · Google Play ↗
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The Central Bank of Ireland authorises the firm as an electronic money institution, under reference C447645, with effect from 3 November 2023. According to the Payoma website, Mastercard approved the firm in 2024 as an affiliate participant under the Mastercard licence of its UK sister company, Payoma Limited.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Central Bank of Ireland Ireland | Electronic Money Institution | C447645 | In its own name | Active | — |
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
- Payment schemes and card networks
- Mastercard Through a partner payoma.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
Under the Payoma brand, the group offers e-wallets, multi-currency IBAN accounts and card acquiring for merchants. The firm's Irish authorisation covers issuing e-money and acquiring card payments.
The Bank of Lithuania's register shows the firm providing services without a branch in 30 other EEA member states under its Irish authorisation.
- Sells to
- Small businesses · Enterprises · Consumers
- Serves customers in
- Ireland
Recent events
Researched 29 Sep 2026 · Sources
-
Licence
The Central Bank of Ireland authorised the firm as an electronic money institution under reference C447645.
payoma.com ↗
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
Head-office record
- BIC
- PAOMIE22XXX
- How the BIC breaks down
- PAOMBank
- IECountry · Ireland
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 549300TFA54CU0ECDO13
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- C447645
- 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
- 56fcbeff05fb
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
- E-money / stored value
- Licensed in
- Ireland
- Country · region
- Ireland · 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
- THE DIGITAL HUB 10-13 THOMAS STREET A2.9 DUBLIN D08 PX8H IRELAND
- Operational address
- 10-13 THOMAS STREET A2.9 DUBLIN DUBLIN D08 PX8H IRELAND
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+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>PAOMIE22XXX</BICFI>
<LEI>549300TFA54CU0ECDO13</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>PAOMIE22XXX</BICFI>
<LEI>549300TFA54CU0ECDO13</LEI>
<Nm>PAYOMA IRELAND LIMITED</Nm>
<PstlAdr>
<TwnNm>DUBLIN</TwnNm>
<Ctry>IE</Ctry>
<AdrLine>THE DIGITAL HUB 10-13 THOMAS STREET A2.9 DUBLIN D08 PX8H</AdrLine>
</PstlAdr>
</FinInstnId>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.
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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
- 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.
- European registers—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Matched on LEI by Elucidate.
- 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: payoma.com (official website) · original.
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