--- title: "Money Transfer for French Payment Institutions | ACPR" description: "Money remittance software for ACPR-authorised payment institutions: SEPA, SEPA Instant, SWIFT, FX price lists, batch payouts and a technical file." url: "https://crassula.io/solutions/money-transfer/france-payment-institution/" lang: "en" image: "https://crassula.io/static/images/og/crassula-default.d7d01fb8a962.jpg" alternates: "en": "https://crassula.io/solutions/money-transfer/france-payment-institution/" "de": "https://crassula.io/de/solutions/money-transfer/france-payment-institution/" "es": "https://crassula.io/es/solutions/money-transfer/france-payment-institution/" "fr": "https://crassula.io/fr/solutions/money-transfer/france-payment-institution/" "x-default": "https://crassula.io/solutions/money-transfer/france-payment-institution/" index: "https://crassula.io/llms.txt" --- France · Payment institution (établissement de paiement) # Money transfer software for payment institutions in France In France the simplified PI authorisation is closed to money remittance, so a transfer service needs full ACPR authorisation. Come to the file with a platform that shows where every euro sits between sender and recipient. [Request demo](https://crassula.io/request-demo/) [Money Transfer →](https://crassula.io/solutions/money-transfer/) Your market**France**Payment institution (établissement de paiement) - Money remittance and payouts - SEPA, SEPA Instant and SWIFT - Rates and fees per corridor - Fund tracing per order Rails your customers can use **SEPA Credit Transfer****SEPA Instant****SWIFT****Batch payouts****Internal transfers** What the regulator asks about your IT**7** Case Studies ## See what teams build with Crassula. ![Paysend](https://crassula.io/static/images/solutions/cases/logo-paysend.1177d744fb9a.png) - SEPA Credit - SEPA Instant - SEPA Direct Debit Live on Crassula ### [SEPA connectivity for a global payments business.](https://crassula.io/cases/paysend/) A technical connector for SEPA Credit, SEPA Instant and SEPA Direct Debit, with back-office and ledger capabilities. [Read case study: Paysend](https://crassula.io/cases/paysend/) ![Multipass](https://crassula.io/static/images/solutions/cases/logo-multipass.7fb14a8eede7.png) - Multi-currency accounts - Cross-border payments - BaaS connections Live on Crassula ### [Custom financial products for global businesses.](https://crassula.io/cases/multipass/) Global business accounts, multi-currency payments and cross-border solutions, supported by Crassula APIs and BaaS connections. [Read case study: Multipass](https://crassula.io/cases/multipass/) Money Transfer · Payment institution (établissement de paiement) ## What an ACPR-authorised PI can run ### Transfers to family abroad The customer picks the country, sees the fee, the rate and the amount received, then confirms. Regular recipients stay saved for next time. ### Payouts for businesses Payment files to suppliers, sellers or temp workers, uploaded or sent by API, with two-person approval before release and tracking line by line. ### Payment accounts for transfers Accounts with IBANs for customers who send often. Funds stay there only as long as it takes to execute orders and never become e-money. ### FX at the moment of sending Margins and fees set per corridor and customer segment in price lists your team adjusts without development work. ### Thresholds and a review queue Limits per customer and per corridor. Above them, the order waits for review in the back office before the money leaves. ### What this licence does not cover - Money remittance under simplified authorisation. The ACPR excludes it from that regime whatever the volume. - E-money or reloadable prepaid cards, which need an EMI authorisation. - Deposits or interest on balances. - Credit funded by customer money. A PI may only lend within the narrow scope allowed alongside its payment services. Your market ## What the regulator asks about your IT Each requirement, what the platform gives you for it and who owns it after launch. 1 Flow of funds diagram, including accounts in France and abroad A map of collection accounts, the safeguarding account, correspondent accounts and each step of a transfer. You, with our input 2 Safeguarding received funds (Article L.522-17 of the Monetary and Financial Code) Funds in transit per order and per customer, exportable for the match against the safeguarding account. Your finance team, on platform data 3 Payer and payee information Identity and address data from onboarding attached to every outgoing transfer, with checks on incoming ones. Shared 4 AML/CFT risk classification per corridor Limits per destination country and customer type, questionnaires, and exports for your monitoring and screening tool. Reports to Tracfin stay with you. Your AML officer 5 Essential outsourced providers, named from the project presentation onwards Service description, subcontractor list, audit and access rights and an exit plan for outsourcing and the DORA register. You, with our input 6 Security of means of payment (Banque de France opinion) Two-factor authentication, roles, audit trail and incident process written up for the file. Crassula drafts, you sign off 7 Continuity of transfers during an incident Backups, recovery and tracking of open orders, so an interrupted transfer can be completed or refunded. Shared France ## Payment rails and providers Rails your customers can use SEPA Credit Transfer SEPA Instant SWIFT Batch payouts Internal transfers **24/7**real-time processing, no batch window **60+**payment and provider integrations connected **150+**companies run on Crassula **15+**languages the platform speaks France ## Dates to plan around Rules that change what you have to build, in the order they apply. 1. **30 Dec 2024** The recast regulation on information accompanying transfers of funds applies: full payer and payee details on every transfer. 2. **9 Oct 2025** Every euro area PI checks, on each credit transfer, that the payee's name matches the IBAN before the payer confirms. 3. **9 Apr 2027** Euro area PIs that offer euro credit transfers must send and receive them instantly. 4. **10 Jul 2027** The AMLR applies, with common due diligence rules for occasional transactions such as one-off transfers. 5. **To be confirmed** PSD3 and the Payment Services Regulation await publication in the Official Journal. Their rules apply about 21 months after entry into force, with existing PIs' authorisations reviewed. Payment institution (établissement de paiement) ## Applying to the ACPR as a payment institution? Name us in your file. From the first presentation meeting, the ACPR expects a flow of funds diagram and the names of the external providers you plan to use. We give you a platform that makes those flows concrete and write the technical annexes of the file with you. [Talk to us about your application](https://crassula.io/request-demo/) Crassula provides technology and documentation support. We do not provide legal or regulatory advice and cannot guarantee the outcome of an application. 1. 01 ### A platform you can demonstrate A configured environment to show the regulator, not slides. 2. 02 ### The technical part of your application, prepared Payment security, fund flows, outsourcing, ICT risk under DORA and continuity sections of your ACPR file. 3. 03 ### Providers lined up Banking, safeguarding and KYC providers from our network, matched to your licence. ![A business traveller checking a phone before a journey.](https://crassula.io/static/images/features/people/global-1200.aed85c69e1b8.webp) Money Transfer ## How a launch usually runs A team in Marseille wants to launch a money transfer service to North and West Africa. Because money remittance rules out the simplified route, it goes straight for full PI authorisation. For the ACPR presentation we set up an environment that follows an order end to end and produces the flow of funds diagram, foreign accounts included. During the review, the team sets limits per corridor and rehearses the safeguarding reconciliation on test data. After authorisation, euro transfers go out over SEPA Instant and other currencies over SWIFT through a connected provider. A network of partner shops later joins as agents, once registered with the ACPR. Further reading: our [ACPR licence guide](https://crassula.io/guides/licenses/france-acpr/) and the overview of [payment institutions in the EU](https://crassula.io/guides/licenses/payment-institution/). Guides ## Read the licence guides ![France ACPR EMI and PI License in 2026: The Complete Guide](https://crassula.io/static/images/guides/france-acpr/paris-tower-preview-960.bf5b6c5f0714.jpg) ### [France ACPR EMI and PI License in 2026: The Complete Guide](https://crassula.io/guides/licenses/france-acpr/) ![Payment Institution (PI) License in 2026: The Complete Guide](https://crassula.io/static/images/guides/payment-institution/payment-arrow-preview-960.a0fe81e25515.jpg) ### [Payment Institution (PI) License in 2026: The Complete Guide](https://crassula.io/guides/licenses/payment-institution/) ![Small Payment Institution and Small EMI License in 2026](https://crassula.io/static/images/guides/small-pi-emi/small-emi-sapling-preview-960.3ac541bcb4b0.jpg) ### [Small Payment Institution and Small EMI License in 2026](https://crassula.io/guides/licenses/small-pi-emi/) ![The Money Transfer Industry in 2026: Models, Players and How to Launch](https://crassula.io/static/images/guides/what-is-money-transfer/money-transfer-globe-preview-960.9c269560724b.jpg) ### [The Money Transfer Industry in 2026: Models, Players and How to Launch](https://crassula.io/solutions/money-transfer/guides/what-is-money-transfer/) [**Explore all guides**Licensing, payments, cards and core banking, explained by our team.](https://crassula.io/guides/) France · Payment institution (établissement de paiement) ## FAQ The questions teams ask us before a first call. [**Not covered here?**Bring your question to a demo with our team.](https://crassula.io/request-demo/) Can we run money remittance under simplified authorisation? No. According to the ACPR, simplified PI authorisation requires average monthly volume under EUR 3 million and no money remittance. It also gives no EU passport. How much capital does a French remittance PI need? EUR 20,000 if you only do money remittance, EUR 125,000 once you hold payment accounts and execute transfers from them. Our [ACPR guide](https://crassula.io/guides/licenses/france-acpr/) lists the tiers. How long does the review take? The ACPR decides within three months of a complete file. Under its Fintech charter, it sends requests for clarification within three weeks of receiving an incomplete file. The real duration depends a lot on the quality of the first submission. How do we safeguard customer funds? Article L.522-17 of the Monetary and Financial Code allows two methods: a separate account at a credit institution, or insurance or a guarantee. The platform shows funds in transit per order, and your finance team owns the reconciliation. Can we work with agents? Yes. Agents of payment service providers are registered with the ACPR before they start, and you stay responsible for their AML duties. Does the platform screen against sanctions lists? No. It feeds transfer and customer data to the monitoring and screening tool you choose. Decisions and reports to Tracfin stay with your AML officer. France · Payment institution (établissement de paiement) ## What an ACPR-authorised PI can run Tell us your licence and country. We will map the rails, providers and documents you need. [Request demo](https://crassula.io/request-demo/) [**Know what you pay**One setup fee and a monthly plan with accounts and transactions included.*See pricing →*](https://crassula.io/prices/) [**Start with the API**Documented endpoints for accounts, payments, cards and customers.*Explore the API →*](https://crassula.io/features/api/)