Italy · Payments & e-money
Societa' Servizi DI Pagamento - Societa' Per Azioni
Società Servizi di Pagamento S.p.A. (SSP) is an Italian joint-stock company with its seat in Modena. The Bank of Italy authorises it as a payment institution, entered in its register of payment institutions under code 36041.2. Conad Nord Ovest Società Cooperativa owns the firm through Finpart Srl and directs and coordinates it. SSP runs payment accounts, SEPA credit transfers, direct debits and linked credit lines only for the cooperative's group and member stores. It began operating on 1 February 2013.
Licences and registrations
Held by Societa' Servizi DI Pagamento - Societa' Per Azioni (LEI 815600E0CA3EEC71CA79). 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 | 03428560365 | 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
Ownership
Group subsidiary
100% Finpart Srl
Firm type
E-money and accounts
Trades as SSP S.p.A.
- Ownership
- Conad Nord Ovest Società Cooperativa of Pistoia owns 100% of the firm indirectly through Finpart Srl.
- Direct parent
- Finpart Srl, Italy 100%
- Ultimate owner
- Conad Nord Ovest Società Cooperativa, Italy
- Head office
- Via Danimarca, 80, 41122 Modena, Italy
- Company register
- Registro delle Imprese di Modena 03428560365
Online
- Websites & references
- sspspa.it ↗
ssp.whistlelink.com ↗ whistleblowing portal, linked from the firm's transparency page - Official social accounts
- None found
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The Bank of Italy authorises the firm as a payment institution for payment services 3 and 4 of the Payment Services Directive (Directive (EU) 2015/2366). These cover executing payment transactions, including those funded by a credit line. The firm discloses no passporting to other EEA states.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Bank of Italy (Banca d'Italia) Italy | Istituto di pagamento (Albo degli Istituti di Pagamento) | 36041.2 | 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
- Safeguarding
- Segregated safeguarding accountsThe firm holds customers' funds in accounts at Italian banks, in its own name but marked as third-party assets and kept separate from its own funds. It checks daily that these balances cover customers' payment-account balances.
- Settlement bank · Safeguarding bank
- Banca Farmafactoring (ex DepoBank) Italy
- Safeguarding bank
- Banca Pop. dell'Emilia Romagna Italy
- Safeguarding bank
- Banco BPM Italy
- Safeguarding bank
- Monte Paschi di Siena Italy
- Safeguarding bank
- UniCredit Banca SpA Italy
- Safeguarding bank
- Banca Passadore & C. Italy
- Safeguarding bank
- Cassa di Asti (ex Biver Banca) Italy
- Safeguarding bank
- Banca Sella Italy
- Safeguarding bank
- Banca di Cambiano Italy
- Safeguarding bank
- San Felice 1893 Italy
- Safeguarding bank
- Intesa Sanpaolo SpA Italy
- Payment schemes and card networks
- SEPA Credit Transfer Through a partner sspspa.it ↗
SEPA Direct Debit Through a partner sspspa.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 keeps IBAN payment accounts and executes SEPA credit transfers, direct debits and F24 tax payments, with ancillary credit lines of under 12 months. It serves only Conad Nord Ovest, its subsidiaries and associated companies, its members' stores and the owners of those stores' businesses or premises.
According to its 2024 accounts, its clients are in northern Italy: Emilia-Romagna, Liguria, Piedmont and Valle d'Aosta, with some stores in the province of Mantua.
- Revenue
- EUR 1.3m
- Payment volume
- EUR 2.26bnTotal value of payment transactions: credit transfers sent and received plus debits to customers' payment accounts
- Sells to
- Small businesses · Enterprises
- Serves customers in
- Italy
Leadership
Researched 29 Sep 2026 · Sources
- Chair
- Carlo Iacoviello Presidente del Consiglio di Amministrazione
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
- 03428560365
- 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
- 63b3ee12ccc7
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
- 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
- Conad Nord Ovest Societa' Cooperativa · Italy8156009B556BAF362749 ↗
Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- VIA DANIMARCA, 80, MODENA, 41122
- 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>815600E0CA3EEC71CA79</LEI>
<Nm>SOCIETA' SERVIZI DI PAGAMENTO - SOCIETA' PER AZIONI</Nm>
<PstlAdr>
<PstCd>41122</PstCd>
<TwnNm>MODENA</TwnNm>
<Ctry>IT</Ctry>
<AdrLine>VIA DANIMARCA, 80</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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