EN#0328 – Payment Gateway Tech with a FINTRAC MSB for sale

An opportunity to acquire a Canadian entity registered with FINTRAC as a Money Services Business (MSB), offered together with an operational payment gateway / orchestration platform, positioned as an acqui-tech or acqui-hire style transaction, designed to significantly reduce time-to-market for buyers with existing or readily deployable merchant distribution. 

The structure provides a compliant Canadian MSB vehicle alongside a functional payments infrastructure layer, enabling a strategic acquirer to rapidly deploy payment services once commercial onboarding begins. 

Key Highlights:

• Company Structure: Canadian MSB entity with FINTRAC, permitted to conduct foreign exchange, money transferring, and payment service provider (PSP) activities. The company is operational but currently without clients or revenue, offering a clean structure with no legacy liabilities. 
• Regulatory Position: Registered with FINTRAC with an active MSB registration. Canada operates a two-step framework where MSB registration is followed by optional PSP registration with the Bank of Canada under the Retail Payment Activities Act (RPAA). The entity has not yet initiated RPAA registration, allowing the acquirer flexibility regarding safeguarding account arrangements and reporting obligations. 
• Technology & Infrastructure: Includes a functional payment gateway / orchestration platform with multi-provider routing, monitoring and audit trails, role-based access controls, reconciliation and reporting foundations, pay-in and pay-out flows, invoice generation, black/white list management, and basic anti-fraud tooling. The platform is delivered with documentation, API access, dashboards, and a technical handover package. 
• Operational Setup: The transaction includes AML/CTF policies and compliance documentation prepared in a bank/PSP-ready format, existing partner setups including a crypto account and selected Asian payment methods, and preliminary arrangements for safeguarding, operational banking, and Banking-as-a-Service virtual IBAN infrastructure.
• Transaction Structure: Share sale including the MSB entity, website, and payment gateway infrastructure. The commercial structure is approximately EUR 210,000, with milestone-based payments covering NDA, due diligence (FINTRAC verification and gateway demonstration), LOI, closing, regulatory updates, and technical transfer. Source-code licensing rights are activated following completion of the final deferred payment stage.
• Transition & Support: Corporate and regulatory transition assistance is included for a limited period, including responses to counterparties and regulators, alongside an initial technical handover and deployment guidance. Optional operational services, integrations, and additional account openings may be provided under separate agreements if required. 

This Canadian FINTRAC-registered MSB and payment orchestration platform represents a strategic entry opportunity for PSPs, fintech operators, payment orchestrators, or merchant-facing platforms seeking a compliant Canadian payments structure combined with a ready-to-deploy technical infrastructure. 

For further information on the sale of this Payment Gateway Tech with a FINTRAC MSB, please contact our Mergers & Acquisitions team at info@salvusfunds.com. More entities for sale can be found within our Entity Acquisition or Sale service. The above is not investment advice nor an invitation to the public to invest.  Information is provided strictly for strategic or corporate acquisition considerations among qualified parties.

SALVUS Funds’ teams can be engaged for guiding on new license authorisations for payment services, ongoing regulatory compliance consultancy for licensed entities, and support in successfully acquiring ready-made regulated entities.

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