What Does an NBS License Mean for a Payment Gateway and Why It Matters
When choosing a payment gateway for your e-shop, security should be your top priority. One of the most important security indicators is a license from the National Bank of Slovakia (NBS). In this article, we explain what it means and why you should care.
What is NBS and how does it regulate payment gateways?
The National Bank of Slovakia (NBS) is the central bank of the Slovak Republic and part of the European System of Central Banks. Besides monetary policy, it oversees financial market supervision — including payment institutions and gateways.
- Capital adequacy — the company must have sufficient equity capital
- Technical security — systems must meet the highest security standards
- Client fund protection — merchant funds must be segregated
- AML/KYC procedures — mandatory anti-money laundering processes
- Regular reporting — ongoing reports and audits by NBS
Why does an NBS license guarantee safety for merchants?
Fund segregation
Your money is separated from the gateway's operational funds. Even if the gateway faces financial issues, your funds are protected.
Regular NBS oversight
NBS continuously monitors licensed entities. The gateway must comply with strict rules or risk losing its license.
Legal protection in Slovakia
In case of disputes, you have access to Slovak legal remedies.
EU regulation compliance
NBS license ensures compliance with the European PSD2 directive on payment services.
NBS-licensed vs. foreign payment gateway
| Criterion | NBS-licensed | Foreign (passporting) |
|---|---|---|
| Direct oversight | ✅ NBS directly controls | ❌ Oversight in another country |
| Communication language | ✅ Slovak | ❌ Often English only |
| Legal jurisdiction | ✅ Slovak law | ❌ Foreign law |
| Complaint resolution | ✅ NBS as arbiter | ❌ Foreign regulator |
Payout — the only gateway directly regulated by NBS
- Company: Payout, a.s.
- License number: 100-000-221-5855
- Type: Payment institution license
- Regulator: National Bank of Slovakia
- Certifications: PCI DSS Level 1, 3D Secure 2.0
Learn more about Payout security
Accept payments through the only payment gateway in Slovakia with a direct NBS license. Free registration, approval within 72 hours.
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