EuroPayment Services (EuPlătesc.ro) was licensed as a Payment Institution by the National Bank of Romania

The authorization of EuroPayment Services (EuPlătesc.ro) as a licensed Payment Institution by the National Bank of Romania has now been confirmed and made public.

„For me, as a founder and Chairman of the Board, this is not just a milestone. It is the result of hard work, transformation, and commitment to building a sustainable and trusted payments business. This authorization reflects a rigorous process — one that has strengthened our governance, our internal controls, and our overall approach to responsibility in the financial ecosystem.” – said Valentin Costache, Chairman of the Board of Directors at EuroPayment Services.

He added: „This is not an end point. It is the beginning of a new phase — one defined by an even higher level of responsibility toward our merchants, partners, and the broader financial ecosystem. We will continue to build with discipline, transparency, and respect for the trust placed in us. The journey continues.”

Simona Laza, COO euplatesc.ro commented: „Looking back, it was a complex process, with many moments that tested us and challenged us to raise our standards, step by step. For me, it was primarily about the team and how we managed to carry this effort through together. From here on, the responsibility is even greater. It will be reflected in the way we continue to build and in the trust we strengthen.„

At this moment, the list of payment institutions authorized by the National Bank of Romania includes 12 institutions:

. BT Direct IFN S.A. – Authorized services – categories b, d2, e1:

b) services enabling cash withdrawals from a payment account, as well as all operations required for operating a payment account;
d2) payment transactions carried out through a payment card or a similar device, where the funds are covered by a credit line granted to a payment service user;
e1) issuance of payment instruments.

. SMITH & SMITH S.R.L. – Authorized services – categories a, b, c1, c3, e1, e2, f:

a) services enabling cash deposits into a payment account, as well as all operations required for operating a payment account;
b) services enabling cash withdrawals from a payment account, as well as all operations required for operating a payment account;
c1) direct debits, including one-off direct debits, where the funds are not covered by a credit line;
c3) credit transfer transactions, including standing orders, where the funds are not covered by a credit line;
e1) issuance of payment instruments;
e2) acquiring of payment instruments;
f) money remittance.

. WESTACO S.R.L. – Authorized services – categories a, b, c1, c2, c3, f:

a) services enabling cash deposits into a payment account, as well as all operations required for operating a payment account;
b) services enabling cash withdrawals from a payment account, as well as all operations required for operating a payment account;
c1) direct debits, including one-off direct debits, where the funds are not covered by a credit line;
c2) payment transactions carried out through a payment card or a similar device, where the funds are not covered by a credit line;
c3) credit transfer transactions, including standing orders, where the funds are not covered by a credit line;
f) money remittance.

. SPEED TRANSFER FINANCIAR S.R.L. – Authorized services – categories a, b, c2, c3, d2, e1, f:

a) services enabling cash deposits into a payment account, as well as all operations required for operating a payment account;
b) services enabling cash withdrawals from a payment account, as well as all operations required for operating a payment account;
c2) payment transactions carried out through a payment card or a similar device, where the funds are not covered by a credit line;
c3) credit transfer transactions, including standing orders, where the funds are not covered by a credit line;
d2) payment transactions carried out through a payment card or a similar device, where the funds are covered by a credit line granted to a payment service user;
e1) issuance of payment instruments;
f) money remittance.

From categories d2) and e1), only payment transactions carried out through credit cards and, respectively, the issuance of credit cards.

. UNICREDIT CONSUMER FINANCING IFN S.A. – Authorized services – categories b, d2, d3, e1:

b) services enabling cash withdrawals from a payment account, as well as all operations required for operating a payment account;
d2) payment transactions carried out through a payment card or a similar device, where the funds are covered by a credit line granted to a payment service user;
d3) credit transfer transactions, including standing orders, where the funds are covered by a credit line granted to a payment service user;
e1) issuance of payment instruments.

From categories d2) and e1), only payment transactions carried out through credit cards and, respectively, the issuance of credit cards.

. TRANSFER RAPID ELECTRONIC S.R.L. – Starting from 20 May 2025, payment services under category c3), namely the execution of credit transfer transactions, where the funds are not covered by a credit line.

Starting from 14 October 2025, payment services under categories a) and b), namely:
a) services enabling cash deposits into a payment account, as well as all operations required for operating a payment account;
b) services enabling cash withdrawals from a payment account, as well as all operations required for operating a payment account.

. SMART FINTECH S.R.L. – Authorized services – categories g and h, namely payment initiation services and account information services.

. FINQWARE S.R.L. – Authorized services – categories g and h, namely payment initiation services and account information services.

. CREDEX IFN S.A. – Authorized services under categories d2) and e1), limited to payment transactions carried out through credit cards and, respectively, the issuance of credit cards.

. TOKEN PAYMENT SERVICES S.R.L. – Categoria e2), se refera la acceptarea de operatiuni de plata.

. C SOLUTION S.R.L. – servicii autorizate – Categoria e2), se refera la acceptarea de operatiuni de plata.

. EUROPAYMENT SERVICES S.R.L. – servicii autorizate – Categoria e2), se refera la acceptarea de operatiuni de plata

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EuPlătesc.ro is a specialized company that conducts electronic payment activities over the Internet and develops anti-fraud products for e-commerce applications. EuPlătesc.ro benefits from a team with over 20 years of experience in online financial activities.