France · Payments & e-money
UP Paiement
Up Paiement is a French société par actions simplifiée with its seat in Gennevilliers. The Autorité de contrôle prudentiel et de résolution (ACPR) authorises it as an electronic money institution. It has appeared on the European Banking Authority (EBA) register since 27 October 2023. According to its Legal Entity Identifier (LEI) record, its direct and ultimate parent is UPCOOP, the French company behind the Upcoop brand. Upcoop states that its Cohésia prepaid cards, used by public bodies and NGOs to pay social aid, are issued by the group's ACPR-authorised electronic money institution.
Licences and registrations
Held by UP Paiement (LEI 9695009ERCIRDKLO2743). 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 Authority | Electronic money institutionE-Money / Stored Value Institution | 951300169 | France | Active | 2023-10-27 | — |
|
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
UPCOOP
Firm type
E-money and accounts
Trades as Upcoop
- Ownership
- According to its GLEIF record, UPCOOP is the firm's direct and ultimate accounting parent.
- Direct parent
- UPCOOP, France
- Head office
- 9-11 boulevard Louise Michel, 92230 Gennevilliers, France
- Company register
- RCS Nanterre 951 300 169 (SIREN 951300169)
- Incorporated
- 5 Apr 2023
Online
- Websites & references
- up.coop ↗
- Official social accounts
- LinkedIn ↗ · Facebook ↗ · YouTube ↗
- Apps
- App Store ↗ · Google Play ↗
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The ACPR authorises the firm as an electronic money institution. According to the EBA register, it may also provide payment services, including card acquiring.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Autorité de contrôle prudentiel et de résolution (ACPR) France | Electronic money institution | 951300169 | 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.
Products and markets
Researched 29 Sep 2026 · Sources
Upcoop states that its electronic money institution issues Cohésia, a physical or virtual prepaid card. Local authorities, public bodies and NGOs use it to pay social and humanitarian aid to beneficiaries.
The firm serves customers in France under its ACPR authorisation. No passporting has been found.
- Sells to
- Public sector · Other
- Serves customers in
- France
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
- 951300169
- BIC
- Holds no BIC in Swift’s directory
- How the LEI was matched
- Matched by Elucidate to GLEIF on name, country and address
- National bank code
- FR-CIB 17718
- Elucidate firm ID
- 7a10739c9055
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
- E-Money / Stored Value Institution
- Activities
- Payment services
- Card acquiring
- E-money / stored value
- Licensed in
- France · Europe & Central Asia
- First registered
- 2023-10-27
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
- Upcoop · France969500GT8MK8GMCJ1Q14 ↗
The Upcoop group has 4 institutions in the directory, in 2 countries: 2 hold a BIC and 2 do not.
Including Up, Up Aganea, Ede, S.A., UP Coop.
See the Upcoop group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- 9 -11 boulevard Louise Michel, GENNEVILLIERS, 92230
- Country
- France
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>9695009ERCIRDKLO2743</LEI>
<Nm>UP PAIEMENT</Nm>
<PstlAdr>
<PstCd>92230</PstCd>
<TwnNm>GENNEVILLIERS</TwnNm>
<Ctry>FR</Ctry>
<AdrLine>9 -11 boulevard Louise Michel</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.
National bank codes
National bank-code directories, matched by LEI
| Code | Scheme | Name in the directory | City |
|---|---|---|---|
| 17718 | FR-CIB | UP PAIEMENT | GENNEVILLIERS |
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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