---
title: "Zpay Srl SWIFT/BIC code ZPAYIT22XXX · Italy | Elucidate"
description: "Licensed in Italy: Payment institution (Bank of Italy). SWIFT/BIC code ZPAYIT22XXX for Zpay Srl, Italy. 1 branch BIC, LEI 9845005BDVBFIA9EC546."
url: https://elucidate.co/directory/zpay-srl-zpayit22
---
1. [Directory](https://elucidate.co/directory)
2. [Italy](https://elucidate.co/directory/country/it)
3. Zpay Srl
Italy · Payments & e-money
# Zpay Srl
Legal name in the LEI record ZPAY S.R.L.
ZPAY S.R.L. is an Italian limited liability company based in Lodi. The Bank of Italy authorised it as a payment institution on 28 September 2022, and it is entered in the register of payment institutions under number 109. It has a single shareholder and describes itself as part of the Zucchetti Group, an Italian business-software group. It sells card acceptance (POS, SoftPOS, Pay by Link and e-commerce), account information and payment initiation services, virtual IBANs, and business payment accounts with debit cards to Italian businesses and professionals, mainly through Zucchetti's management software.
Register status
Licensed in Italy
Payment institution · Bank of Italy
Prudential licence
[1 licence or registration ↓](https://elucidate.co/directory/zpay-srl-zpayit22#licences)
BIC **ZPAYIT22XXX** LEI **[9845005BDVBFIA9EC546](https://search.gleif.org/#/record/9845005BDVBFIA9EC546)** [Licence no. **11865370966**](https://elucidate.co/directory/zpay-srl-zpayit22#licences) Reverse billing [**1** branch code](https://elucidate.co/directory/zpay-srl-zpayit22#branches) [Claim this profile](https://elucidate.co/directory/zpay-srl-zpayit22#claim)
## Licences and registrations
Held by Zpay S.R.L. (LEI 9845005BDVBFIA9EC546). 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 Italy Linked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Payment institutionPayment Institution | 11865370966 | [Italy](https://elucidate.co/directory/country/it) | Active | 2022-11-14 | — | - Payment services - Card acquiring - Payment initiation - Account information | [Search the register ↗](https://euclid.eba.europa.eu/register/pir/search) |
- 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:** ZPAYIT22XXX head office
- **Connection to Swift:** Reverse billing
- **Swift GPI:** Not on the member list
- **Payment schemes and systems:** [SCT · SCT Inst · SDD Core · SDD B2B · VOP · TIPS](https://elucidate.co/directory/zpay-srl-zpayit22#schemes)
- **Branch codes:** [1 branch code](https://elucidate.co/directory/zpay-srl-zpayit22#branches)
- **BIC first registered:** 2023-01-07
- **Last updated:** 2023-01-07
## Overview
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/zpay-srl-zpayit22#overview-sources)
Customers
Not published
Employees
Not published
Ownership
Group subsidiary
Firm type
Merchant acquiring and processing
Trades as ZPAY
- **Ownership:** The firm states that it has a single shareholder and describes itself as a company of the Zucchetti Group.
- **Head office:** Piazzale Mino Zucchetti 1, 26900 Lodi, Italy
- **Company register:** Registro delle Imprese di Milano Monza Brianza Lodi 11865370966 (REA LO-2671136)
### Online
- **Websites & references:** [zpay.it ↗](https://www.zpay.it/) [web.zpay.it ↗](https://web.zpay.it/) customer login dashboard
- **Official social accounts:** None found
Sources · 8 pages consulted
1. [zpay.it/](https://www.zpay.it/)
2. [zpay.it/chi-siamo](https://www.zpay.it/chi-siamo)
3. [zpay.it/trasparenza-bancaria](https://www.zpay.it/trasparenza-bancaria)
4. [zpay.it/docs/trasparenza/foglio-informativo-servizio-incasso.pdf](https://www.zpay.it/docs/trasparenza/foglio-informativo-servizio-incasso.pdf)
5. [zpay.it/conti-e-carte](https://www.zpay.it/conti-e-carte)
6. [zpay.it/virtual-iban](https://www.zpay.it/virtual-iban)
7. [zpay.it/privacy](https://www.zpay.it/privacy)
8. [zucchetti.it/it/cms/soluzioni/digital-payments](https://www.zucchetti.it/it/cms/soluzioni/digital-payments)
## Authorisation
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/zpay-srl-zpayit22#overview-sources)
- **Operates under:** Its own licences
The Bank of Italy authorises the firm as a payment institution under Article 114-novies of the Italian Banking Act (TUB). It may provide the payment services listed at numbers 3, 5, 7 and 8 of Article 1(2)(h-septies.1) TUB: payment transactions on payment accounts, card acquiring and issuing, payment initiation and account information.
| Authority | Licence or registration | Number | Held | Status | Source |
| --- | --- | --- | --- | --- | --- |
| Bank of Italy (Banca d'Italia) Italy | Istituto di Pagamento (Albo degli Istituti di Pagamento), authorised 28 September 2022 | 109 | In its own name | Active | [zpay.it ↗](https://www.zpay.it/chi-siamo) |
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/zpay-srl-zpayit22#overview-sources)
- **Safeguarding:** Segregated safeguarding accountsThe firm states that it keeps client funds separate from its own assets, as the regulations require. It does not name the bank that holds them. [zpay.it ↗](https://www.zpay.it/conti-e-carte)
- **Payment schemes and card networks:** Visa Access not stated [zpay.it ↗](https://www.zpay.it/docs/trasparenza/foglio-informativo-servizio-incasso.pdf) Mastercard Access not stated [zpay.it ↗](https://www.zpay.it/docs/trasparenza/foglio-informativo-servizio-incasso.pdf) SEPA Credit Transfer and SEPA Instant Credit Transfer Access not stated [zpay.it ↗](https://www.zpay.it/conti-e-carte)
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/zpay-srl-zpayit22#overview-sources)
- Merchant acquiring
- Payment gateway
- Account information (open banking)
- Payment initiation (open banking)
- Domestic payments
- Debit cards
It sells card acceptance, open-banking account aggregation for bank reconciliation, virtual IBANs, Verification of Payee checks, and business payment accounts with SEPA transfers and employee cards, all integrated with Zucchetti management software.
It serves Italian businesses under its Bank of Italy authorisation. It publishes no activity in other countries.
- **Sells to:** Small businesses · Enterprises
- **Serves customers in:** Italy
## Recent events
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/zpay-srl-zpayit22#overview-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
Head-office record
- **BIC:** ZPAYIT22XXX
- **How the BIC breaks down:** 1. ZPAY Bank 2. IT Country · Italy 3. 22 Location · reverse billing 4. XXX Branch · head office
- **Branch description:** Not recorded in the directory
- **LEI:** 9845005BDVBFIA9EC546
- **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/9845005BDVBFIA9EC546)
- **Licence no. · EBA-PSD2:** 11865370966
- **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:** b73e82f344f6
## Profile
- **Type:** Payments & e-money
- **Regulation:** Prudential licence
- **Register licences:** [1 entry on 1 register](https://elucidate.co/directory/zpay-srl-zpayit22#licences)
- **Activities:** - Payment services - Card acquiring - Payment initiation - Account information
- **Licensed in:** [Italy](https://elucidate.co/directory/country/it)
- **Country · region:** Italy · 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:** VIA SOLFERINO 1 LODI 26900 ITALY
- **Operational address:** VIA SOLFERINO 1 LODI 26900 LODI ITALY
## 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
```xml
ZPAYIT22XXX
9845005BDVBFIA9EC546
```
### 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
```xml
ZPAYIT22XXX
9845005BDVBFIA9EC546
ZPAY SRL
LODI
IT
VIA SOLFERINO 1 LODI 26900
```
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 | 2023-06-05 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2024-06-03 | Head office | — |
| SEPA Direct Debit CoreISO 20022 messages | 2023-06-05 | Head office | — |
| SEPA Direct Debit Business-to-BusinessISO 20022 messages | 2023-06-05 | Head office | — |
| Verification of Payee | 2025-10-05 | 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.
## Network
### Branch codes
| BIC | Branch | City | Address | LEI | Updated |
| --- | --- | --- | --- | --- | --- |
| [ZPAYIT22PVL](https://elucidate.co/directory/zpay-srl-zpayit22-pvl) | PAYMENT DEPARTMENT | Lodi | VIA SOLFERINO 1 LODI 26900 LODI ITALY | — | 2024-04-27 |
[See every BIC in Italy →](https://elucidate.co/directory/country/it#bics)
## Related institutions
### Other payments & e-money institutions in Italy
- [Buffetti Finance S.P.A. BIC SEPFIT31 Payments & e-money Prudential licence Italy · Licensed by Bank of Italy · 07783020725 (EBA-PSD2) · LEI 9845001Y5046DZ9Q8315](https://elucidate.co/directory/buffetti-finance-s-p-a-sepfit31)
- [Fabrick S.P.A. BIC AXEVIT22 Payments & e-money Prudential licence Italy · Licensed by Bank of Italy · 02654890025 (EBA-PSD2) · LEI 815600E1EFC5260F4726](https://elucidate.co/directory/fabrick-s-p-a-axevit22)
- [Hercle S.r.l. · trading as Hercle No BIC Payments & e-money Crypto Prudential licence Italy · Licensed by Bank of Italy · 10942550962 (EBA-PSD2) · also on ESMA-CASP · LEI 984500AEBA8A0HQ44988](https://elucidate.co/directory/hercle-s-r-l-406208777a1f)
- [Monetic S.P.A. BIC MOECITR2 Payments & e-money Prudential licence Italy · Licensed by Bank of Italy · 17934661004 (EBA-PSD2) · LEI 815600944FCC95982179](https://elucidate.co/directory/monetic-s-p-a-moecitr2)
- [Tppay S.R.L. BIC TPPAITM2 Payments & e-money Prudential licence Italy · Licensed by Bank of Italy · 12511320967 (EBA-PSD2) · LEI 815600001A6487168E37](https://elucidate.co/directory/tppay-s-r-l-tppaitm2)
- [Xoldy S.P.A. BIC XOLDITM2 Payments & e-money Prudential licence Italy · Licensed by Bank of Italy · 11932890962 (EBA-PSD2) · LEI 81560016DF740E487C02](https://elucidate.co/directory/xoldy-s-p-a-xolditm2)
- [Admiral Pay Istituto DI Pagamento - Società A Responsabilità Limitata · trading as ADMIRAL PAY IP SRL No BIC Payments & e-money Prudential licence Italy · Licensed by Bank of Italy · 04335420404 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/admiral-pay-istituto-di-pagamento-societa-a-responsabilita-limitata-efac103ac4ba)
- [Agos-Ducato SPA BIC AGOUITM1 Payments & e-money Prudential licence Italy · Licensed by Bank of Italy · 08570720154 (EBA-PSD2) · LEI 815600F37471C4E69D64](https://elucidate.co/directory/agos-ducato-spa-agouitm1)
[See all →](https://elucidate.co/directory/search?type=payments&cc=IT)
Claim this profile
## Work at Zpay Srl?
Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page.
1. 01 **Submit** Tell us who you are, using your work email.
2. 02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days.
3. 03 **Profile claimed** The page is marked as claimed and verified. You can send us corrections at any time.
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 →](https://elucidate.co/directory/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.
- **EBA PSD2 Register**—European Banking Authority (EBA) · [register ↗](https://euclid.eba.europa.eu/register/pir/search) 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: [zpay.it](https://www.zpay.it/) (official website) · [original](https://www.zpay.it/images/brand/zpay-logo-nav.png?v=1782467156).
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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.