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Global FinTech Guide
Country Name
Global Overview

The global overview provides a quick comparison of legal and economic considerations for every participating country. To read more in-depth country specific information for each area, please select a country from the list.

SectionTitle
Payment services
Body
FinTechs belonging to this category offer alternative payment services which are supposed to provide a faster and cheaper way for national, European, and international payments for private and business customers by using new technologies. For example, payment service providers hereby offer solutions to easily integrate several payment services in online shops. Some FinTechs furthermore provide real cash register systems and online-reservation solutions for restaurants and shops providing their own payment services or making use of the payment services of FinTechs described above.

CountryDonation Based CrowdfundingReward Based CrowdfundingCrowdinvestingCrowdlending
Albanianononono
Argentinanonoregulation; license requiredno
Australianonoregulation; license requiredregulation; license required
Austrianonoregulationregulation
Bosnia and Herzegovinanononono
Canadanonoregulation; license requiredregulation; license required
Chilenononono
Chinaregulation; license requirednoregulationregulation; license required
Colombianonoregulation; license requiredregulation; license required
Costa Ricalicense requiredlicense requiredlicense requiredlicense required
Croatiaregulation; license requirednoregulation; license requiredregulation; license required
Czech Republicnonoregulation; license requiredregulation; license required
Egyptnononono
Franceregulation; license requiredregulation; license requiredregulation; license requiredregulation; license required
Germanynononono
Hong Kongnononono
Hungarynonoregulation; license requiredregulation; license required
Irelandnononoregulation; license required
Italynonoregulation; license requiredregulation; license required
Korea, Republic ofnonoregulation; license requiredregulation; license required
Malaysianonoregulation; license requiredregulation; license required
Mexicoregulation; license requiredregulation; license requiredregulation; license requiredregulation; license required
Montenegronononono
New Zealandnonoregulation; license requiredregulation; license required
North Macedonianononono
Perunoregulation; license requiredregulation; license requiredregulation; license required
Philippinesnonoregulation; license requiredregulation; license required
Polandnonoregulation; license requiredregulation; license required
Portugalregulationregulationregulation; license requiredregulation; license required
Romanianonoregulation; license requiredregulation; license required
Serbianononono
Slovenianonoregulation; license requiredregulation; license required
Spainnoregulation; license requiredregulation; license requiredregulation; license required
Switzerlandnonoregulation; license requiredregulation; license required
Thailandnonoregulation; license requiredregulation; license required
Turkeynonoregulation; license requiredregulation; license required
United Kingdomnonoregulation; license requiredregulation; license required
United Rep of Tanzanianononono
United Statesnonoregulation; license requiredregulation
Uruguaynonolicense requiredno
Question Text
Regulation of payment services / requirement of a license
CountryAnswer Text
Albaniaregulation; license required2157Albania
Argentinaregulation; license required2502Argentina
Australiaregulation; license required2172Australia
Austriaregulation; license required2667Austria
Bosnia and Herzegovinaregulation; license required2187Bosnia and Herzegovina
Canadaregulation2142Canada
Chileregulation; license required2232Chile
Chinaregulation; license required2247China
Colombiaregulation; license required2262Colombia
Costa Ricaregulation2277Costa Rica
Croatiaregulation; license required2292Croatia
Czech Republicregulation; license required2802Czech Republic
Egyptregulation; license required2307Egypt
Franceregulation; license required2712France
Germanyregulation; license required2202Germany
Hong Kongregulation; license required2727Hong Kong
Hungaryregulation; license required2337Hungary
Irelandregulation; license required2682Ireland
Italyregulation; license required2322Italy
Korea, Republic ofregulation; license required2352Korea, Republic of
Malaysiaregulation; license required2652Malaysia
Mexicoregulation2622Mexico
Montenegroregulation; license required2367Montenegro
New Zealandregulation2382New Zealand
North Macedoniaregulation; license required2427North Macedonia
Peruregulation; license required2412Peru
Philippinesregulation; license required2397Philippines
Polandregulation; license required2472Poland
Portugalregulation; license required2487Portugal
Romaniaregulation; license required2787Romania
Serbiaregulation; license required2457Serbia
Sloveniaregulation; license required2517Slovenia
Spainregulation; license required2532Spain
Switzerlandregulation; license required2697Switzerland
Thailandregulation; license required2547Thailand
Turkeyregulation; license required2742Turkey
United Kingdomregulation; license required2772United Kingdom
United Rep of Tanzaniaregulation; license required2757United Rep of Tanzania
United Statesregulation; license required2577United States
Uruguayregulation; license required2562Uruguay
Question Text
Difficulty of upholding compliance with the regulation regarding payment services
CountryAnswer Text
Albaniaaverage2157Albania
Argentinaaverage2502Argentina
Australiahard2172Australia
Austriaaverage2667Austria
Bosnia and Herzegovinaaverage2187Bosnia and Herzegovina
Canadaeasy2142Canada
Chileaverage2232Chile
Chinahard2247China
Colombiaaverage2262Colombia
Costa Ricaaverage2277Costa Rica
Croatiaaverage2292Croatia
Czech Republicaverage2802Czech Republic
Egyptaverage2307Egypt
Franceaverage2712France
Germanyaverage2202Germany
Hong Konghard2727Hong Kong
Hungaryaverage2337Hungary
Irelandaverage2682Ireland
Italyaverage2322Italy
Korea, Republic ofaverage2352Korea, Republic of
Malaysiaaverage2652Malaysia
Mexicoaverage2622Mexico
Montenegrohard2367Montenegro
New Zealandeasy2382New Zealand
North Macedoniaaverage2427North Macedonia
Peruaverage2412Peru
Philippinesaverage2397Philippines
Polandaverage2472Poland
Portugalaverage2487Portugal
Romaniaaverage2787Romania
Serbiaaverage2457Serbia
Sloveniaaverage2517Slovenia
Spainaverage2532Spain
Switzerlandaverage2697Switzerland
Thailandaverage2547Thailand
Turkeyaverage2742Turkey
United Kingdomaverage2772United Kingdom
United Rep of Tanzaniaaverage2757United Rep of Tanzania
United Stateshard2577United States
Uruguayeasy2562Uruguay
Question Text
Level of competition regarding payment services
CountryAnswer Text
Albaniaaverage2157Albania
Argentinahigh2502Argentina
Australiahigh2172Australia
Austriahigh2667Austria
Bosnia and Herzegovinaaverage2187Bosnia and Herzegovina
Canadaaverage2142Canada
Chileaverage2232Chile
Chinahigh2247China
Colombiahigh2262Colombia
Costa Ricalow2277Costa Rica
Croatiaaverage2292Croatia
Czech Republicaverage2802Czech Republic
Egypthigh2307Egypt
Francehigh2712France
Germanyhigh2202Germany
Hong Konghigh2727Hong Kong
Hungarylow2337Hungary
Irelandaverage2682Ireland
Italyaverage2322Italy
Korea, Republic ofaverage2352Korea, Republic of
Malaysiaaverage2652Malaysia
Mexicoaverage2622Mexico
Montenegroaverage2367Montenegro
New Zealandaverage2382New Zealand
North Macedoniaaverage2427North Macedonia
Perulow2412Peru
Philippinesaverage2397Philippines
Polandaverage2472Poland
Portugalaverage2487Portugal
Romaniaaverage2787Romania
Serbiaaverage2457Serbia
Sloveniaaverage2517Slovenia
Spainhigh2532Spain
Switzerlandaverage2697Switzerland
Thailandhigh2547Thailand
Turkeyhigh2742Turkey
United Kingdomhigh2772United Kingdom
United Rep of Tanzaniaaverage2757United Rep of Tanzania
United Stateshigh2577United States
Uruguayaverage2562Uruguay

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