Do I need a payment license to offer payments to my merchants?

No. The licenses that regulated payments require stay with NORBr and its partners. You add payments to your offer without becoming a payment facilitator or a PSP yourself, and without building the compliance program that status brings.

You keep the parts that matter commercially. You hold the merchant relationship, set what your merchants pay and offer support under your brand. Your merchants pay inside your product and log into an interface that carries your name.

What runs on the NORBr side

• Licensing and regulatory status.
• PCI DSS scope and the annual audits that come with it.
• Underwriting and risk decisions within the regulated perimeter.
• Compliance programs and certification renewals.

Staying out of the regulatory perimeter changes how your team spends its time. Your engineers stay on your product, your legal team stays on your core business, and your merchants keep dealing only with you. Payment revenue then becomes a line you can grow without first taking on the obligations of a regulated payment institution.

Requirements differ by country and business model, so it is worth reviewing your own situation with your legal advisers. The demo is a good moment to walk through how the responsibilities divide for the markets you plan to serve.