MOBSP (Orias) Declaration

ℹ️ Before reading this page, please see the section on onboarding for partners.

CentralPay partners based in France operate as intermediaries in banking and payment services (IOBSP), specifically as Intermediaries for Banking and Payment Services (MOBSP).

To become a CentralPay MOBSP partner, you must register with ORIAS. CentralPay will then need to register you as its Intermediary. Your part of the process can be completed in a few hours, while CentralPay’s part takes a few days. ORIAS, for its part, may take up to two months to review your application.

Although this process is your responsibility, CentralPay can assist you if needed. Please contact our customer service department if you need help.

1. Prepare your data

1.1. Get your certificate of appointment

After signing your partnership agreement with CentralPay:

1. Send an email to our customer service department that includes your company name and SIREN number
2. CentralPay will respond with your authorization certificate. You will need this document for step 3.3.

1.2. Gather your supporting documents

During Step 3.3 of the registration process, you will need to provide the following supporting documents:

• Commercial register issued within the last three months
• Proof of professional qualifications: a degree from an accredited business or management school; an RNCP certification (NCF 122, 128, 313, or 314, levels 7 through 5); or recognition by the CIEP for foreign degrees

If you do not have proof of professional competence accepted by Orias, please send an email to our customer service department. CentralPay can help you complete the necessary training.

See the attached image, which refers to the Level III – IOBSP category (Level 3).

2. Create your ORIAS account

2.1. Access the form

1. Go to the ORIAS website
2. Scroll down until you see the ” How Does It Work?” section .
3. Click ” Sign Up“

You will be redirected to the registration form.

2.2. Enter the information

1. Enter your SIREN number
2. Enter your business information. Be sure to register as a legal entity.
3. Enter your legal representative’s information
4. Enter the contact information for your legal representative
5. Enter your company’s contact information, including your website if you have one
6. Enter your business address
7. Check all the information you’ve entered, then click ” Submit.”

2.3. Log in to your ORIAS account

Check your inbox for an email from ORIAS (no-reply-orias@orias.fr). The email contains your username and a temporary password.

1. Return to the ORIAS website
2. Click ” Sign In ” / ” Login”
3. Enter your username and the temporary password provided in your email
4. Follow the instructions on your screen to change your password, then save it

After saving your new password, you will be redirected to your ORIAS account page

3. Submit a new registration request

3.1. Register Your Business

1. Click ” New Registration ” to begin the registration process; a form will appear
2. Select IOB Activity
3. Next, select ” Non-Exclusive Intermediary for Banking Transactions and Payment Services (MOBSP)“
4. Click Submit

3.2. Please provide additional information

1. Sélectionnez la case précisant que vous complétez votre inscription à titre de Mandataire non exclusif en opérations de banque et en services de paiement
   • If a different registration type is specified, use your browser’s Back button to return to the previous page and try again.
2. For the first question, select the answer: ” I declare that I am not entrusted with any funds.”
3. For the second question, select the answer: ” Minor,” indicating to ORIAS that financial services are not your company’s primary business activity
4. For the third question, select the answer: Yes, indicating to ORIAS that your company offers credit (or other banking and payment services) solely as a secondary service
5. Click ” Go to the ‘Supporting documents’ step”

3.3. Please provide your supporting documents

1. Submit your Commercial register
2. Submit your authorization form, which is the authorization certificate from Step 1.1
3. Submit your Professional Competency for “you” (Level I IOBSP), which serves as your proof of professional competence for Step 1.2.
4. Click “Go to the next step“

3.4. Pay your registration fee

The final step is to pay your registration fee.

1. Please note that you are paying for registration as a non-exclusive Intermediary for banking transactions and payment services. Your registration cannot be finalized without paying the fee.
2. Choose to pay with your credit card, or click ” Select another payment method ” to pay by Bank transfer or check.
3. After you’ve paid, click ” Download Invoice ” to download your receipt
4. Click ” Complete Registration ” to finalize your registration
5. You will receive your ORIAS registration number by email, confirming that your registration is complete. Please email this number to CentralPay’s customer service department.

4. CentralPay registers you as a MOBSP

After you email your Orias registration number to CentralPay, CentralPay will register you as a non-exclusive Intermediary for banking operations and payment services (MOBSP).

5. ORIAS reviews your application

ORIAS will review your documents and application to ensure that your file is fully compliant. ORIAS will notify you of its final decision via email. If your application is approved, the email will also include the date on which your MOBSP status will take effect.

Please feel free to contact ORIAS by phone (09.69.32.59.73) or email (contact@orias.fr) if you do not receive the information regarding your application in a timely manner.

6. Update your legal notices

After receiving approval from ORIAS and becoming a MOBSP, be sure to update your legal notices. Add something similar to the following example to the footer of your website, to your legal notices page, and anywhere else you distribute or sell payment services.

[Company Name], a company registered with the Trade and Companies Register (RCS) of [City of Registration] under number [RCS number], and listed in the Single Register of Insurance Intermediaries, Banking and Finance under registration number [ORIAS registration number] as a non-exclusive Intermediary for banking transactions and payment services.