ANIPE - Portuguese Payments and Electronic Money Association

What ANIPE - Portuguese Payments and Electronic Money Association does

ANIPE - Associação Nacional de Instituições de Pagamento e Moeda Electrónica is a private non-profit industry association founded in 2021 and headquartered at Rua Sá da Bandeira, Nº68, 1º Andar, 4000-427 Porto, Portugal. It functions as the unified representative body for licensed payment institutions (IP) and electronic money institutions (IPME) operating in Portugal, with a stated mission to provide formal representation in regulatory forums and to advocate for proportionate regulation. The association does not develop or sell commercial technology products; its offering consists of regulatory advocacy (covering Aviso 02/2021, Aviso 04/2021, MiCA, digital KYC, payment market unbundling, and cybersecurity guidance), industry positioning documents, market intelligence publications, and convening activities including the annual ANIPE Conference and the New Money Conference.

The association's current membership roster comprises 7 associate members (Payshop, Novacâmbios, PayPay, RealTransfer, Unicâmbios, Universo, Nickel, Via Verde Pay, EuPago, Western Union, Ripple, Easypay, Mastercard) and 4 adherent members (SafiraStatus, D-EVO, Verifone, Pilotin), spanning money transfer, e-money issuance, payment services, card networks, and payment terminals. ANIPE also maintains affiliations with European bodies CCP and EPIF, and republishes statistical reports from Banco de Portugal, the European Central Bank, the World Bank, SIBS, and The Paypers as member resources. Governance is exercised through three statutory bodies: the Direcção Executiva (Executive Board, led by President João B. da Camara of Novacâmbios), the Conselho Fiscal (Fiscal Council, chaired by Vasco Mello of Realtransfer), and the Assembleia Geral (General Assembly, chaired by Paulo Raposo), with member representatives drawn from across the roster.

ANIPE's business model is membership-dues-based: annual quotas are determined by the General Assembly and paid by associates, adherents, and sponsors. No publicly disclosed pricing exists, and the association does not generate revenue from product sales, licensing, or services beyond membership. Aggregate member business volume across ANIPE's constituency is reported at €2.1 billion with 51 million transactions processed annually, but these figures describe the member institutions' collective activity rather than ANIPE's own revenue. The association has no parent company, no funding rounds, no subsidiaries, and no venture or private equity backing; ownership and control rest collectively with its member organizations.

Name

ANIPE - Portuguese Payments and Electronic Money Association

Legal name

ANIPE - Associação Nacional de Instituições de Pagamento e Moeda Electrónica

Website

https://anipe.pt

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

ANIPE is a Portuguese non-profit industry association that represents payment institutions and electronic money institutions in regulatory advocacy, market intelligence, and industry events, serving members including Mastercard, Western Union, and Payshop.

Ownership category

akta.pro rank

Headquarters

HQ city

Porto

HQ country

Portugal

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Membership Dues: ANIPE generates revenue through annual membership quotas paid by Associates, Adherents, and Sponsors. The General Assembly determines annual quotas.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

ANIPE is a Portuguese non-profit industry association representing payment institutions and electronic money institutions operating in Portugal. It provides regulatory advocacy, member representation in Portuguese and European forums, industry studies and positioning documents, market intelligence, and organizes annual conferences to promote the development of the national payments sector.

Product overview

ANIPE is a trade association (Associação Nacional de Instituições de Pagamento e Moeda Electrónica) representing payment institutions and electronic money institutions in Portugal. It does not offer its own commercial products or services. ANIPE provides industry positioning, studies, regulatory advocacy, and organizes events such as the annual ANIPE Conference. The association has 7 members and 1 adherent organizations spanning various payment verticals including money transfers, digital payments, and electronic money issuance across more than 8 countries.

Differentiator

Problem solved

Functional benefit

Products and services

• Associate Membership Membership category for licensed payment institutions and electronic money institutions operating in Portugal. Provides regulatory advocacy, member representation in Portuguese and European forums, access to positioning documents and industry studies, and participation in association events.
• Adherent Membership Membership category for payment industry suppliers and service providers in Portugal, including technology providers, terminal manufacturers, and consulting firms. Provides industry networking, market development opportunities, and visibility into regulatory developments affecting the payment ecosystem.
• Sponsor Membership Financial sponsorship category providing funding support for ANIPE's operations and advocacy activities. Open to organizations aligned with the association's mission to promote the development of Portugal's payment sector.

Quantifiable outcome

• 7 Associate members and 1 Adherent member representing the Portuguese payment sector
• +3 more outcomes

Named customers17 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered supporting, core and major.

• VGDsupportingStrategic or Co-development Partner · 1 January 2024VGD (auditing and consulting firm) partnered with European Women Payments Network (EWPN) to conduct the 'Meios de Pagamento em Portugal' market study on payments and the growth of the Portuguese economy, focused on understanding the national market and consumer habits.
• CCPcoreStrategic or Co-development PartnerCCP (Cartões de Crédito e Pagamentos) is an affiliation that provides the necessary momentum for ANIPE to pursue its mission efficiently and contribute to the growth and development of its members and stakeholders.
• EPIFcoreStrategic or Co-development PartnerEPIF (European Payments Institution Federation) is an affiliation ensuring the impulse for ANIPE to efficiently pursue its mission and contribute to the growth and development of payment ecosystem stakeholders at European level.
• Banco de PortugalmajorOthersNational central bank providing payment system statistics, including the Report on Payment Systems (Relatório dos Sistemas de Pagamento) and BPStat remittance statistics. ANIPE publishes these reports as materials of interest for members.
• European Central BankmajorOthersECB provides statistical data through the Data Repository with useful information and interesting granularity at the level of each EU member state, published as relevant material for ANIPE members.
• World BanksupportingOthersWorld Bank provides Migration and Remittances report with bilateral data matrices for fund transfer payment services, including Portugal data, published as reference material for members.
• SIBSsupportingOthersANIPE publishes SIBS Annual Report and Accounts as reference material. SIBS is the operator of the only domestic open-loop scheme in Portugal. ANIPE also issued a statement on the Competition Authority's fine against SIBS.
• The PayperssupportingOthersANIPE publishes Paypers Reports as interesting and useful reference materials covering market perspectives, payment services, emerging payment solutions, key players, and global sector challenges.
• European Women Payments Network (EWPN)supportingStrategic or Co-development PartnerEWPN partnered with VGD on the 'Meios de Pagamento em Portugal' market study to better understand the national market and consumer payment habits in Portugal.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• UK Finance: Larger UK industry association covering retail and wholesale banking as well as payments. Comparable to ANIPE as a national-level payments-relevant industry body, but broader in scope across multiple financial verticals.
• European Banking Federation (EBF): Brussels-based umbrella federation for European banks. Comparable to ANIPE at a tier above national associations - relevant because it influences the same EU-level regulatory dossiers (PSD2, MiCA) that ANIPE's members care about.

Others

• SIBS: Operator of Portugal's dominant domestic open-loop payments scheme (Multibanco). Not a peer association but a recurring counterpart - ANIPE has issued public statements on competition authority action against SIBS - making it the most reference-comparable market participant in the same ecosystem.

Direct peers

• Electronic Money Association (EMA): UK-based trade body for e-money and payment institutions. Directly comparable as a specialist association focused on electronic money regulation, advocacy, and industry events for a defined member base of payment/e-money issuers.
• European Payments Institutions Federation (EPIF): EU-level federation representing payment institutions. Directly comparable to ANIPE as a payments-specific industry association; ANIPE is itself an affiliate of EPIF, making them peers within a tiered federated model.
• Betaalvereniging (Dutch Payments Association): Dutch national payments industry association. Comparable as a country-level trade body that coordinates payments industry positions with regulators, payment schemes and merchants - a structural twin to ANIPE in another EU jurisdiction.
• Associação Portuguesa de Bancos (APB): Portuguese Banking Association, the parallel industry body for credit institutions in Portugal. Directly comparable as a domestic trade association performing regulatory advocacy and convening for financial services firms in the same Portuguese market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/anipe

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about ANIPE - Portuguese Payments and Electronic Money Association