Financial Licensing · Mauritius

Mauritius Payment Intermediary Services Licence

The Mauritius FSC Payment Intermediary Services (PIS) licence is increasingly sought by fintechs and payment processors using Mauritius as a regulated hub to serve African markets — without obtaining licences in multiple African jurisdictions.

PISMauritiusFSCPayment ServicesFintechAfrica Payments
Overview

Mauritius as an Africa Payments Hub

The Mauritius Payment Intermediary Services licence is issued by the FSC under the National Payment Systems Act 2018, authorising payment processing, money transmission, and digital payment services targeted at cross-border transactions. Fintechs increasingly use the Mauritius PIS licence as an efficient regulatory framework for serving African remittance and merchant payment corridors without multi-jurisdictional licences.

Marensa Advisory advises on PIS licence applications, AML/CFT programme design for payment services, and ongoing FSC regulatory compliance for payment businesses operating from Mauritius.

Discuss Your PIS Licence Application
What We Cover
  • PIS licence application under National Payment Systems Act
  • Business plan: payment flows, transaction volumes and corridors
  • AML/CFT programme for payment intermediary services
  • Technology infrastructure: payment platform security and resilience
  • Safeguarding: client funds segregation policy
  • Qualified management: Responsible Officer and MLRO
  • FSC application submission and regulatory liaison
  • Ongoing FSC compliance: monthly transaction reporting
Key Considerations

PIS Licence — Key Requirements

The FSC assesses AML/CFT controls, technology infrastructure, and management qualifications most rigorously in PIS applications.

Authorised Activities
PIS holders can process payments, transmit funds, issue payment instruments, and provide related services to clients outside Mauritius. All transactions must be cross-border — PIS cannot be used for domestic Mauritius payment services.
Capital Requirement
PIS licence holders must maintain minimum capital of MUR 2 million (approximately USD 45,000). Capital must be maintained at all times and monitored monthly.
AML/CFT for Payments
The FSC expects a comprehensive AML/CFT programme tailored to payment service risks — including CDD on merchants and remitters, transaction monitoring with volume-based thresholds, and MLRO appointment.
Technology Standards
The FSC requires evidence of adequate payment platform security — including data encryption, access controls, incident response, and business continuity arrangements.
Client Fund Safeguarding
PIS holders must segregate client funds from operational funds, maintaining client money in designated accounts. Monthly reconciliation reports are required.
African Market Positioning
Mauritius PIS licences are increasingly used by fintechs targeting Mozambique, Madagascar, Comoros, and other African markets where Mauritius has strong trade and investment relationships.
Our Process

How We Work

01
Business Model Assessment
We assess your payment flows, corridors, and technology model to confirm PIS eligibility and map the application requirements.
02
Application Preparation
We prepare the FSC application, business plan, AML/CFT programme, technology security documentation, and safeguarding policy.
03
Management & MLRO
We advise on Responsible Officer requirements and assist with MLRO appointment if needed.
04
FSC Submission
We submit the PIS application, manage FSC correspondence, and respond to regulatory queries.
05
Post-Licence Compliance
We establish the FSC reporting calendar, monthly transaction reporting, AML/CFT review cycle, and safeguarding reconciliation process.
Why Marensa

Africa Payments. Mauritius Regulated.

The PIS licence provides a practical regulatory framework for Africa-focused payment businesses — offering FSC regulation, DTA treaty access through the Mauritius structure, and a cost-efficient compliance footprint.

Marensa Advisory advises payment businesses on PIS licensing as part of a broader Mauritius market entry strategy — combining the PIS licence with GBC structure and ongoing FSC compliance.

Start the Conversation
FSC
Regulator
MUR 2M
Min Capital
PIS
Payment Licence
Africa
Target Market
FAQ

Common Questions

Can a Mauritius PIS licensee serve retail consumers in Africa? +

A Mauritius PIS licence covers payment intermediary services to clients outside Mauritius — including retail and corporate clients in Africa. Local licences in each African jurisdiction may also be required depending on the service type and regulatory requirements in each country.

How does a Mauritius PIS licence compare to a UK Payment Institution licence? +

A UK PI licence is required for operating in the UK and provides regulatory credibility with European institutional counterparties. A Mauritius PIS licence is preferred for Africa-corridor payments at lower cost and compliance overhead. Both can be held simultaneously for dual-jurisdiction operations.

How long does PIS licensing take? +

Typically 3–5 months from submission of a complete application to the FSC.

Can a fintech structure a PIS alongside a GBC? +

Yes. The typical structure is a Mauritius GBC that holds the PIS licence — combining DTA treaty access, FSC regulation, and payment service authorisation in a single entity.

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