Service 3 · Ordered and paid online

Licensed and regulated companies: EMI, payment institution and gambling licences in Estonia

Corporate and regulatory work for Estonian companies in regulated sectors. Our prices are professional fees: state and supervisory fees, regulatory capital and third-party costs are not included.

In short

Preparation and management of licence applications for Estonian companies in regulated sectors: payment institutions, e-money institutions, gambling, road transport, and corporate structures for funds, lenders and debt collection companies. The price is from €3,500, excluding VAT. How long it takes: drafting 4–10 weeks depending on the licence and the client's inputs; the authority's statutory term runs from a complete application (payment / e-money institution: 3 months under PSD2 Article 12, often longer in practice with questions).

Specialised licences

These authorisations have their own pages, prices and order forms:

MiCA crypto-asset service provider (CASP) authorisation — Class 1, 2 and 3, white paper, Travel Rule and custody policies.
Fund manager (AIFM) authorisation and small fund manager registration — and the fund documents.
Creditor licence and credit servicer authorisation — KAVS and KIOS, with the documents for each.
Canada money services business (MSB) — incorporation and FINTRAC registration, or acquisition of a registered corporation.
Regulatory infrastructure and compliance — DORA, banking introductions and compliance audits.

The documents that are prepared

For a payment or e-money institution:

a business plan and financial forecast
a description of the governance and internal control system
rules for the prevention of money laundering and terrorist financing
the safeguarding of client funds
IT and security arrangements
risk management, outsourcing and business continuity

For a gambling activity licence:

the rules of the games
player identification and verification
measures against money laundering and terrorist financing
responsible gambling measures
internal control

What LexorCorp does

assess the business model against the requirements and tell you in writing what the application needs
draft the application documents listed above and assemble the file
submit the application and manage the correspondence with the authority
prepare the answers to the authority's questions together with you
keep every step in writing, so you always see what has been filed and what is pending

What you do

provide the initial capital required for the services (for example at least 350,000 euros for an e-money institution under § 64 of the Payment Institutions and E-money Institutions Act) and meet the own-funds requirements after authorisation
document the background of the owners, managers and key persons and the origin of the funds — they are assessed for their reliability
appoint your own compliance officer, who is assessed by the authority
for gambling: provide the technical platform; software certification is done by testing laboratories at your cost

What the authority does

The authority is the Estonian Financial Supervision Authority for payment and e-money institutions, and the Estonian Tax and Customs Board for gambling.

the Financial Supervision Authority receives payment and e-money institution applications through its application portal (since 18 March 2026) and decides within three months of receiving the complete documents, and at the latest six months after the application was submitted (Financial Supervision Authority, operating licences page, checked 5 October 2026)
the Financial Supervision Authority reviews the application, usually asks questions and requests additional information, and then decides
the Tax and Customs Board reviews gambling applications and may request additional information before deciding; the activity licence gives the right to apply for operating permits, issued per game or venue (Gambling Act §§ 16 and 22)
the Tax and Customs Board decides on the activity licence within four months of receiving all the documents and information, and at the latest six months after the application (Gambling Act § 18(4)); on an operating permit within two months, and at the latest four months after the application (§ 22(4)) — Gambling Act in the wording in force from 1 January 2026, checked 5 October 2026

Timeline

The duration depends heavily on the business model, the readiness of the documents and of the technical platform, and on the authority's questions. No honest provider can promise a fixed date, and we do not. We confirm our own preparation time for your case in writing before the work starts.

Our fee

Usual time: drafting 4–10 weeks depending on the licence and the client's inputs; the authority's statutory term runs from a complete application (payment / e-money institution: 3 months under PSD2 Article 12, often longer in practice with questions). This is what it usually takes, not a promised date.

Service	Price
Payment and e-money institutions
Estonian payment institution authorisation — application preparation and managementFee for the standard scope — ordered and paid onlineState fees and the fees of the supervisory authority are not included in the price; you pay them yourself.	from €16,000
Estonian e-money institution (EMI) authorisation — application preparation and managementFee for the standard scope — ordered and paid onlineState fees and the fees of the supervisory authority are not included in the price; you pay them yourself.	from €23,000
Safeguarding of customers' funds — policy and account documentationFee for the standard scope — ordered and paid onlinePrepared for your company: usually delivered within 7 working days after we have received the necessary information.	from €2,400
Gambling
Gambling activity licence (tegevusluba) — application preparation and managementFee for the standard scope — ordered and paid onlineState fees and the fees of the supervisory authority are not included in the price; you pay them yourself.	from €23,000
Payment and e-money institutions
AML/CFT internal rules, risk assessment and proceduresFee for the standard scope — ordered and paid onlinePrepared for your company: usually delivered within 7 working days after we have received the necessary information.	from €3,200
Gambling
Responsible gambling and player protection proceduresFee for the standard scope — ordered and paid onlinePrepared for your company: usually delivered within 7 working days after we have received the necessary information.	from €2,300
Fund structures
Fund structure — corporate set-up	€18,000
Corporate structures without an authorisation
Debt collection company — corporate structure only, no FSA authorisation	€3,500
Lending company formation — corporate structure only, no creditor licence	€3,500
Road transport
Road transport operator licence — application preparation, including transport manager and financial standing evidenceThe state fee, the notary fee and the licence fee are included in the price — you pay nothing extra.	€3,500
Transport manager contractPrepared by hand: usually delivered within one to five working days after we have received the necessary information.	€350

A "from" price is our fee for the standard scope; work beyond it is agreed in writing before it starts.

This price is our professional fee for the corporate and regulatory work described. It is not the price of a licence and does not include state or supervisory fees, regulatory capital, or third-party costs. The authorisation is granted by the competent supervisory authority.

Order

State fees

State fees, notary fees and the fees of the Financial Supervision Authority or any other public authority are never included in our price; they are paid separately. The decision on any licence, authorisation, registration or register entry is made by the competent authority alone.

Estonian payment institution authorisation

What you pay yourself
Fee	Amount	Legal source
Procedural fee for a payment institution licence applicationFinantsinspektsioon (Estonian Financial Supervision Authority)	€3,000	Financial Supervision Authority Act (Finantsinspektsiooni seadus) § 45³ (2) — checked 4.10.2026
Procedural fee instead, when the payment institution applies for the exemption of § 11 (1)–(3) or § 12 (1) of the Payment Institutions and E-money Institutions Act (small payment institution)Finantsinspektsioon (Estonian Financial Supervision Authority)	€500	Financial Supervision Authority Act (Finantsinspektsiooni seadus) § 45³ (5) — checked 4.10.2026

Paid by you directly to the authority. The amount payable is the one in force on the day of payment.

Estonian e-money institution (EMI) authorisation

What you pay yourself
Fee	Amount	Legal source
Procedural fee for an e-money institution licence applicationFinantsinspektsioon (Estonian Financial Supervision Authority)	€3,000	Financial Supervision Authority Act (Finantsinspektsiooni seadus) § 45³ (2) — checked 4.10.2026

Paid by you directly to the authority. The amount payable is the one in force on the day of payment.

Gambling activity licence (tegevusluba)

What you pay yourself
Fee	Amount	Legal source
Activity licence (tegevusluba)
Games of chanceMaksu- ja Tolliamet (Estonian Tax and Customs Board)	€47,940	State Fees Act (Riigilõivuseadus) § 260 p 1 — checked 4.10.2026
Games of skillMaksu- ja Tolliamet (Estonian Tax and Customs Board)	€3,200	State Fees Act (Riigilõivuseadus) § 260 p 2 — checked 4.10.2026
TotalisatorMaksu- ja Tolliamet (Estonian Tax and Customs Board)	€31,960	State Fees Act (Riigilõivuseadus) § 260 p 3 — checked 4.10.2026
Operating permit (korraldusluba)
Each operating permit for gambling other than a lotteryMaksu- ja Tolliamet (Estonian Tax and Customs Board)	€3,200	State Fees Act (Riigilõivuseadus) § 261 (1) — checked 4.10.2026
Each lottery operating permitMaksu- ja Tolliamet (Estonian Tax and Customs Board)	€640	State Fees Act (Riigilõivuseadus) § 261 (2) — checked 4.10.2026

Paid by you directly to the authority. The amount payable is the one in force on the day of payment.

Road transport operator licence: The state fee, the notary fee and the licence fee are included in the price — you pay nothing extra.

More in the guide State fees and capital for EU licences.

What is not included in our fee

The initial capital and own funds of the institution — they are held by your company.
The compliance officer: he or she must be your own appointee, assessed by the authority; screening software and the officer's role are not part of the service.
Gambling software certification — it is carried out by testing laboratories and is a third-party cost.
Gambling operating permits — they are a separate step for your games and venues and are not part of this price.
State fees, notary fees and the fees of the authority.

We do not grant or guarantee any authorisation and cannot promise when the authority decides.

Our own licence FIU000117, issued by the Estonian Financial Intelligence Unit, covers LexorCorp Global's activity as a company service provider. It is not an authorisation for your business and gives us no right to grant one: the final decision on every licence, authorisation and registration is made by the competent supervisory authority alone.

What each line covers

Payment and e-money institutions. We prepare and manage the application to the Estonian Financial Supervision Authority. The authorisation is granted by the authority; the initial capital (for example at least 350,000 euros for an e-money institution under § 64 of the Payment Institutions and E-money Institutions Act) is held by your company and is not part of our fee.

Gambling. Estonian gambling law has two steps. The activity licence (tegevusluba) is issued by the Tax and Customs Board for an unlimited period and gives the right to apply for operating permits; each operating permit (korraldusluba) is issued per game or venue (Gambling Act §§ 16 and 22). Our line covers the activity licence application; operating permits are a separate step for your games and venues and are not part of this price. The state fees for both are set in the State Fees Act §§ 260–261 and are charged separately.

Fund structure, debt collection and lending companies. These three lines are corporate set-ups only. A fund structure is the vehicle, not the fund manager's authorisation; a debt collection company does not include the Financial Supervision Authority's credit servicer licence; a lending company does not include the creditor licence.

Road transport. We prepare the operator licence application, including the transport manager's documents and the evidence of financial standing required by Regulation (EC) No 1071/2009.

What goes with each service: required and recommended add-ons

Required add-ons are added to the order with the service. Strongly recommended add-ons arrive ticked and can be removed. Each line names the provision it rests on, read in the official text. General information about our services, not legal advice. The same list for every licence is in the guide required and recommended documents for licence applications.

Estonian payment institution authorisation — application preparation and management

Strongly recommended

Safeguarding of customers' funds — policy and account documentation — from €2,400Part of the application. An e-money institution, and a payment institution that provides the payment services of § 3(1) 1)–6) of the Act, establish by internal rules the principles for the safekeeping and protection of clients' assets (Payment Institutions and E-money Institutions Act § 78(1)); the application for authorisation includes a description of how these requirements are applied (§ 15(1) 7)).Source: Payment Institutions and E-money Institutions Act, § 78(1); Payment Institutions and E-money Institutions Act, § 15(1) 7) (read 9 October 2026).
AML/CFT internal rules, risk assessment and procedures — from €3,200Part of the application. Payment institutions, e-money institutions and gambling operators are obliged entities: each prepares a risk assessment and establishes rules of procedure and internal control rules (Money Laundering and Terrorist Financing Prevention Act §§ 13–14). An application for a payment institution or e-money institution authorisation includes a description of the internal control system and of the measures for preventing money laundering and terrorist financing (Payment Institutions and E-money Institutions Act § 15(1) 10)).Source: Money Laundering and Terrorist Financing Prevention Act, §§ 13–14; Payment Institutions and E-money Institutions Act, § 15(1) 10) (read 9 October 2026).

Estonian e-money institution (EMI) authorisation — application preparation and management

Strongly recommended

Safeguarding of customers' funds — policy and account documentation — from €2,400Part of the application. An e-money institution, and a payment institution that provides the payment services of § 3(1) 1)–6) of the Act, establish by internal rules the principles for the safekeeping and protection of clients' assets (Payment Institutions and E-money Institutions Act § 78(1)); the application for authorisation includes a description of how these requirements are applied (§ 15(1) 7)).Source: Payment Institutions and E-money Institutions Act, § 78(1); Payment Institutions and E-money Institutions Act, § 15(1) 7) (read 9 October 2026).
AML/CFT internal rules, risk assessment and procedures — from €3,200Part of the application. Payment institutions, e-money institutions and gambling operators are obliged entities: each prepares a risk assessment and establishes rules of procedure and internal control rules (Money Laundering and Terrorist Financing Prevention Act §§ 13–14). An application for a payment institution or e-money institution authorisation includes a description of the internal control system and of the measures for preventing money laundering and terrorist financing (Payment Institutions and E-money Institutions Act § 15(1) 10)).Source: Money Laundering and Terrorist Financing Prevention Act, §§ 13–14; Payment Institutions and E-money Institutions Act, § 15(1) 10) (read 9 October 2026).

Gambling activity licence (tegevusluba) — application preparation and management

Strongly recommended

AML/CFT internal rules, risk assessment and procedures — from €3,200Part of the application. Payment institutions, e-money institutions and gambling operators are obliged entities: each prepares a risk assessment and establishes rules of procedure and internal control rules (Money Laundering and Terrorist Financing Prevention Act §§ 13–14). An application for a payment institution or e-money institution authorisation includes a description of the internal control system and of the measures for preventing money laundering and terrorist financing (Payment Institutions and E-money Institutions Act § 15(1) 10)).Source: Money Laundering and Terrorist Financing Prevention Act, §§ 13–14; Payment Institutions and E-money Institutions Act, § 15(1) 10) (read 9 October 2026).
Responsible gambling and player protection procedures — from €2,300A standing duty of the licensed company. A gambling operator ensures that players are shown a clear warning about the addictive nature of gambling, with the contact details of organisations that help (Gambling Act § 33(1) 5)), and has measures that keep persons entered in the list of restrictions from playing (§ 39). These are standing duties of the operator; the Act does not list a separate player-protection document among the documents of the application.Source: Gambling Act, § 33(1) 5); Gambling Act, § 39 (read 9 October 2026).

Road transport operator licence — application preparation, including transport manager and financial standing evidence

Strongly recommended

Transport manager contract — €350Part of the application. Where a transport manager is designated under a contract, the contract specifies the tasks the manager performs on an effective and continuous basis and the manager's responsibilities (Regulation (EC) No 1071/2009 Article 4(2)(b)); the application for the licence states the type, parties, date and period of validity of that contract (Road Transport Act § 13(1) 5)).Source: Regulation (EC) No 1071/2009, Article 4(2)(b); Road Transport Act, § 13(1) 5) (read 9 October 2026).

Add-ons and upgrades

What you can add to licensed and regulated companies

Each add-on states what you receive and what is not included. Prices come from our price list; every add-on is ordered and paid in the order form on this page.

Safeguarding of customers' funds — policy and account documentation

from €2,400Strongly recommended

Full description

The safeguarding method, reconciliation and record-keeping documents a payment or e-money institution must have for customers' funds.

Ordered together with: Estonian payment institution authorisation — application preparation and management; Estonian e-money institution (EMI) authorisation — application preparation and management.

What you receive

Safeguarding policy (segregation or insurance / guarantee method)
Daily reconciliation procedure
Documentation pack for the safeguarding account bank

Not included

Opening the safeguarding account (granted at the bank's discretion)
Insurance or guarantee premiums

Order Read the guide

AML/CFT internal rules, risk assessment and procedures

from €3,200Strongly recommended

Full description

The anti-money-laundering documents an obliged entity needs under the Estonian Money Laundering and Terrorist Financing Prevention Act, written for your business model.

What you receive

Business-wide risk assessment
Internal rules and customer due diligence procedures
Sanctions screening and reporting procedure
Training plan

Not included

Acting as your compliance officer or MLRO
Screening software licences
Approval by any authority

Order Read the guide

Responsible gambling and player protection procedures

from €2,300Strongly recommended

Full description

Player protection, self-exclusion and age verification procedures for a gambling licence application.

Ordered together with: Gambling activity licence (tegevusluba) — application preparation and management.

What you receive

Responsible gambling policy
Self-exclusion and age verification procedures
Complaint handling for players

Not included

Gaming software certification
State fees for the licence

Order Read the guide

Transport manager contract

€350Strongly recommended

Full description

The contract that gives an external transport manager a genuine link with the operator, as Regulation (EC) No 1071/2009 requires.

Ordered together with: Road transport operator licence — application preparation, including transport manager and financial standing evidence.

What you receive

Contract between the operator and the transport manager
Duties and number of vehicles within the regulation's limits

Not included

Finding a transport manager
Certificate of professional competence

Estonian notary fees and state fees are included in the price.

Order Read the guide

All prices are in euros and exclude VAT. VAT is added where it applies under the Estonian Value Added Tax Act.

All add-ons and upgrades · Price list

Each service in detail

General information, not legal advice. Prices are in the table above.

Estonian payment institution authorisation — application preparation and management

Preparation and management of an application for authorisation as an Estonian payment institution.

For whom: Companies that will provide payment services — money remittance, payment accounts, acquiring, initiation — in Estonia and, by passport, in the EEA.

What you receive

Programme of operations and business plan
Governance, internal control and AML/CFT documents
Application file to the Financial Supervision Authority
Answers to the authority's questions

Conditions

The company must hold the initial capital required for its services, have fit and proper managers, a real presence and a safeguarding arrangement. Ordered and paid on this page; the amount is our fee for the standard scope, and work beyond it is done only with your written agreement. FIU licence FIU000117 is LexorCorp's own licence for its trust and company services; it does not authorise the client. The authorisation is granted or refused by the competent authority — no service provider can promise it.

Law and requirements

Payment Institutions and E-money Institutions Act
Payment Services Directive (EU) 2015/2366
Money Laundering and Terrorist Financing Prevention Act

Not included in the price

State fees and the regulatory capital
IT systems, audits and third-party costs

Who does what

LexorCorp: Prepare the application and its documents and manage the procedure until the decision.
You: Provide information, capital and people that meet the legal requirements; sign and answer the authority's questions.
Authority: Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority) decides.

Estonian payment institution authorisation — application preparation and management: price, requirements, process and deadline on its own page

Estonian e-money institution (EMI) authorisation — application preparation and management

Preparation and management of an application for authorisation as an Estonian electronic money institution (EMI).

For whom: Companies issuing e-money — prepaid accounts, wallets, cards — and providing payment services.

What you receive

Programme of operations and business plan
Safeguarding, governance and AML/CFT documents
Application file and the procedure with the authority

Conditions

The initial capital for e-money issuance, own funds, safeguarding and fit and proper management are required. Ordered and paid on this page; the amount is our fee for the standard scope, and work beyond it is done only with your written agreement. FIU licence FIU000117 is LexorCorp's own licence for its trust and company services; it does not authorise the client. The authorisation is granted or refused by the competent authority — no service provider can promise it.

Law and requirements

Payment Institutions and E-money Institutions Act
E-money Directive 2009/110/EC
Money Laundering and Terrorist Financing Prevention Act

Not included in the price

State fees and the regulatory capital
Third-party costs

Who does what

LexorCorp: Prepare the application and its documents and manage the procedure until the decision.
You: Provide information, capital and people that meet the legal requirements; sign and answer the authority's questions.
Authority: Finantsinspektsioon decides.

Estonian e-money institution (EMI) authorisation — application preparation and management: price, requirements, process and deadline on its own page

Safeguarding of customers' funds — policy and account documentation

The safeguarding policy for customers' funds and the documentation of the safeguarding account.

For whom: Payment and e-money institution applicants.

What you receive

Safeguarding policy
Reconciliation procedure
Account documentation checklist

Conditions

Funds must be segregated or insured as the law requires. FIU licence FIU000117 is LexorCorp's own licence for its trust and company services; it does not authorise the client.

Law and requirements

Payment Institutions and E-money Institutions Act — safeguarding

Not included in the price

Opening the safeguarding account with a bank

Who does what

LexorCorp: Prepare the application and its documents and manage the procedure until the decision.
You: Provide information, capital and people that meet the legal requirements; sign and answer the authority's questions.
Authority: Finantsinspektsioon assesses safeguarding in the application.

Safeguarding of customers' funds — policy and account documentation: price, requirements, process and deadline on its own page

Gambling activity licence (tegevusluba) — application preparation and management

Preparation and management of an application for an Estonian gambling activity licence (tegevusluba).

For whom: Operators of online or land-based games of chance, betting or lotteries in Estonia.

What you receive

Application file
Description of the games and systems
AML and responsible gambling documents

Conditions

The applicant must meet the capital, management, technical and AML requirements; an operating permit for the specific games is a separate step. Ordered and paid on this page; the amount is our fee for the standard scope, and work beyond it is done only with your written agreement. FIU licence FIU000117 is LexorCorp's own licence for its trust and company services; it does not authorise the client. The authorisation is granted or refused by the competent authority — no service provider can promise it.

Law and requirements

Gambling Act (Hasartmänguseadus)
Money Laundering and Terrorist Financing Prevention Act

Not included in the price

State fees for the licence and the permits
Certification of the gaming system

Who does what

LexorCorp: Prepare the application and its documents and manage the procedure until the decision.
You: Provide information, capital and people that meet the legal requirements; sign and answer the authority's questions.
Authority: The Estonian Tax and Customs Board decides.

Gambling activity licence (tegevusluba) — application preparation and management: price, requirements, process and deadline on its own page

AML/CFT internal rules, risk assessment and procedures

AML/CFT internal rules, the business-wide risk assessment and the procedures of a payment, e-money or gambling licence applicant.

For whom: Applicants for a payment institution, EMI or gambling licence.

What you receive

Internal rules of procedure
Risk assessment and risk appetite
Customer due diligence and reporting procedures

Conditions

Written for the applicant's business model; the applicant must apply them in practice. FIU licence FIU000117 is LexorCorp's own licence for its trust and company services; it does not authorise the client.

Law and requirements

Money Laundering and Terrorist Financing Prevention Act
Guidelines of the Financial Intelligence Unit and the Financial Supervision Authority

Not included in the price

Implementation and staff training
Screening software

Who does what

LexorCorp: Prepare the application and its documents and manage the procedure until the decision.
You: Provide information, capital and people that meet the legal requirements; sign and answer the authority's questions.
Authority: The supervisor reviews the documents as part of the application.

AML/CFT internal rules, risk assessment and procedures: price, requirements, process and deadline on its own page

Responsible gambling and player protection procedures

Responsible gambling and player protection procedures for a gambling licence applicant.

For whom: Gambling licence applicants.

What you receive

Player protection policy
Self-exclusion and limits procedures

Conditions

Adapted to the games offered. FIU licence FIU000117 is LexorCorp's own licence for its trust and company services; it does not authorise the client. They cover age and identity checks, self-exclusion, deposit and loss limits, reality checks and the handling of players showing signs of problem gambling.

Law and requirements

Gambling Act

Not included in the price

Technical implementation

Who does what

LexorCorp: Prepare the application and its documents and manage the procedure until the decision.
You: Provide information, capital and people that meet the legal requirements; sign and answer the authority's questions.
Authority: The Tax and Customs Board reviews them with the application.

Responsible gambling and player protection procedures: price, requirements, process and deadline on its own page

Fund structure — corporate set-up

Corporate set-up of a fund structure (fund company and manager entity) without an authorisation application.

For whom: Fund sponsors starting a fund in Estonia.

What you receive

Company formation(s)
Corporate documents of the structure

Conditions

Corporate set-up only; any registration or authorisation of the manager is a separate service. The structure is set up so that the later registration or authorisation of the manager can build on it.

Law and requirements

Investment Funds Act; Commercial Code

Not included in the price

Registration or authorisation of the manager

Who does what

LexorCorp: Prepare the application and its documents and manage the procedure until the decision.
You: Provide information, capital and people that meet the legal requirements; sign and answer the authority's questions.
Authority: None for the set-up; Finantsinspektsioon for later steps.

Fund structure — corporate set-up: price, requirements, process and deadline on its own page

Debt collection company — corporate structure only, no FSA authorisation

Corporate structure of a debt collection company, without an application to the Financial Supervision Authority.

For whom: Businesses collecting their own or others' claims that need a company first.

What you receive

Company formation and corporate documents

Conditions

Activities that require a credit servicer authorisation need a separate application. We set up the company and its corporate documents; whether your activity also requires an authorisation is assessed separately.

Law and requirements

Commercial Code; Creditors and Credit Intermediaries Act / Credit Servicers and Credit Purchasers Act where applicable

Not included in the price

Authorisation applications

Who does what

LexorCorp: Prepare the application and its documents and manage the procedure until the decision.
You: Provide information, capital and people that meet the legal requirements; sign and answer the authority's questions.
Authority: None for the structure.

Debt collection company — corporate structure only, no FSA authorisation: price, requirements, process and deadline on its own page

Lending company formation — corporate structure only, no creditor licence

Formation of a lending company — corporate structure only, without a creditor licence.

For whom: Founders planning a lending business. It is the first step for a lending business; the creditor licence application of the Financial Supervision Authority is a separate service that builds on the company.

What you receive

Company formation and corporate documents

Conditions

Consumer lending requires a creditor licence, a separate application.

Law and requirements

Commercial Code; Creditors and Credit Intermediaries Act

Not included in the price

Creditor licence

Who does what

LexorCorp: Prepare the application and its documents and manage the procedure until the decision.
You: Provide information, capital and people that meet the legal requirements; sign and answer the authority's questions.
Authority: None for the structure; Finantsinspektsioon for the licence.

Lending company formation — corporate structure only, no creditor licence: price, requirements, process and deadline on its own page

Road transport operator licence — application preparation, including transport manager and financial standing evidence

Preparation of an application for a road transport operator licence, including the transport manager and fleet registration.

For whom: Companies carrying goods or passengers for hire.

What you receive

Application file
Transport manager arrangement
Vehicle data

Conditions

The company needs an establishment, good repute, financial standing and professional competence. FIU licence FIU000117 is LexorCorp's own licence for its trust and company services; it does not authorise the client. The authorisation is granted or refused by the competent authority — no service provider can promise it. The state fee, the notary fee and the licence fee are included in the price.

Law and requirements

Road Transport Act; Regulation (EC) No 1071/2009

Not included in the price

Vehicles and insurance

Who does what

LexorCorp: Prepare the application and its documents and manage the procedure until the decision.
You: Provide information, capital and people that meet the legal requirements; sign and answer the authority's questions.
Authority: The licence is issued, on behalf of the Ministry of Climate, by the Estonian Transport Administration or by a non-profit association to which this task has been delegated by an administrative contract (Road Transport Act §§ 14 and 47, wording in force from 1 October 2026, checked 5 October 2026).

Road transport operator licence — application preparation, including transport manager and financial standing evidence: price, requirements, process and deadline on its own page

Transport manager contract

A transport manager contract for a road transport operator, provided by LexorCorp in Estonia under a written agreement.

For whom: Operators without an in-house certified transport manager.

What you receive

The contract with a certified transport manager

Conditions

The manager must hold the certificate of professional competence. The manager effectively and continuously manages the transport activities and must be of good repute; the contract sets out the duties and the time the manager devotes to the operator.

Law and requirements

Regulation (EC) No 1071/2009 — transport manager

Not included in the price

Day-to-day transport operations

Who does what

LexorCorp: Prepare the application and its documents and manage the procedure until the decision.
You: Provide information, capital and people that meet the legal requirements; sign and answer the authority's questions.
Authority: The issuer of the licence checks the transport manager in the application (Road Transport Act § 14).

Transport manager contract: price, requirements, process and deadline on its own page

How a regulated-company project works

You order the work on this page
You: You choose the authorisation or corporate structure and its add-ons in the order form on this page.
We: We register your order and send you a written intake questionnaire and a document request by email.
We assess the planned business
You: You describe the planned activity, its owners and its managers in the questionnaire.
We: We carry out client due diligence and compare your plan with the statutory application requirements in a gap analysis.
The application file is drafted
You: You supply the facts, capital evidence and personal documents that only the applicant can give.
We: We draft the full application file and the internal rules; drafting takes 4–10 weeks depending on the licence and your inputs.
Management reviews and signs
You: Your management board reads the file with us before submission and signs it.
We: We go through the file with your management and correct what the review brings up.
The application is filed
You: You stay available, because the authority usually asks questions and requests additional information.
We: We file the application in your company's name and manage the correspondence with the authority.
The authority decides
You: You wait for the decision and, if it is positive, keep meeting the conditions of the authorisation.
We: We answer the authority's questions with you until the decision, which the competent supervisory authority makes alone.

Order a regulated-company service

What we need from you and why

From you	Why
Articles of association and registry extract of the applicant	The application is made in the name of an Estonian company, and these documents identify it in the file.
Proof of registered office and place of management in Estonia	Real presence and management in Estonia is a prerequisite for this work.
Organisational chart, staffing plan and job descriptions	The file describes who carries out the key functions: compliance, risk management, internal audit and the AML officer.
Personal documents of each management and supervisory board member	Fit and proper management is a prerequisite, and the CV, criminal record certificates and declarations are the evidence of it.
Identity, ownership chart and source of funds of qualifying holders	The file follows the ownership of the applicant up to the ultimate beneficial owners and states where the capital comes from.
Evidence of the paid-in initial capital	Initial capital must be paid in as the sector law requires, and only the applicant can give the evidence.

When this service is not for you

You expect our fee to be the price of a licence, or a licence to be certain once you have paid it. The fee pays for our work on the application; the decision is always the authority's, and we cannot guarantee a licence, registration or entry.
You plan to provide crypto-asset services. The application for those is prepared under MiCA crypto-asset service provider authorisation.
You need the creditor licence or the credit servicer authorisation itself, not only the corporate structure of a lending or debt collection company. Those applications are prepared under creditor and credit servicer authorisation.
You need the authorisation or registration of a fund manager, not only the corporate set-up of the fund. That work is described under fund manager authorisation and registration.
Your business will not have real presence and management in Estonia. That presence is a prerequisite, so this work is not for you until it is in place.

Frequently asked questions

Is your price the price of the licence?

No. Our price is our professional fee for preparing and managing the application. State and supervisory fees, the regulatory capital your company must hold, and third-party costs are separate. The licence is granted or refused by the competent authority.

Can you guarantee that the licence will be granted?

No. The decision belongs to the Financial Supervision Authority, the Tax and Customs Board or another competent authority. We prepare the application to the standard the authority expects and manage its questions, but we cannot promise the outcome or its timing.

What is the difference between a fund structure and a fund manager licence?

A fund structure is the corporate vehicle for the fund. It does not include the fund manager's authorisation, which is a separate application to the Financial Supervision Authority described on our fund licensing page.

What does the gambling line cover?

The application for the activity licence (tegevusluba) issued by the Tax and Customs Board. Operating permits for individual games or venues are a separate step and are not part of this price, and the state fees for both are charged separately.

Which AML documents does a payment, e-money or gambling licence application need?

The obliged entity must have a business-wide risk assessment, internal rules on customer due diligence, sanctions screening and reporting procedures, a compliance officer and a training plan under the Money Laundering and Terrorist Financing Prevention Act. The authority reads them to judge whether the applicant understands its own risks.

Will you act as our compliance officer or MLRO?

No. The compliance officer must be your own appointee, assessed by the authority. We write the AML/CFT framework and train your team on it; screening software and the officer's role are not part of the service.

What is safeguarding of customers' funds?

A payment or e-money institution must protect funds received from customers, either by segregating them on a separate account or in secure low-risk assets, or by insurance or a comparable guarantee (Article 10 of Directive (EU) 2015/2366; Article 7 of Directive 2009/110/EC). The application describes the method, the daily reconciliation and the records.

Do you open the safeguarding account?

No. The safeguarding account is opened by a bank at its own discretion. We prepare the policy and the documentation pack the bank asks for; insurance or guarantee premiums are third-party costs.

What player protection procedures does a gambling operator need?

Age verification, limits and self-exclusion, the handling of players showing signs of problem gambling, and a complaints procedure. They form part of the activity licence application under the Gambling Act and are checked again in supervision.

Does the responsible gambling package certify our gaming software?

No. Software certification is carried out by testing laboratories and is a third-party cost. The package covers the policies and procedures.

Can a road transport company use an external transport manager?

Yes, under Article 4(2) of Regulation (EC) No 1071/2009, if a contract specifies the tasks the manager performs effectively and continuously. An external manager may work for no more than four undertakings with a combined fleet of no more than fifty vehicles, and a Member State may set lower limits.

Is the transport manager contract part of the operator licence service?

The operator licence service includes the transport manager's documents for the application. Where the manager is external, the contract that Article 4(2) requires is a separate add-on at a fixed price. Finding a transport manager and the certificate of professional competence are not included.

Can you guarantee the licence?

No. The competent authority grants or refuses every licence. FIU licence FIU000117 is LexorCorp's own licence for its trust and company services; it does not authorise the client. We prepare and manage the application and answer the authority's questions.

What are the main risks of a licence application?

Insufficient capital, managers who do not meet the fit and proper requirements, a weak AML framework or a business plan without real substance. We identify these in the assessment before the application.

What happens if the authority asks for more information?

We prepare the answers with you within the deadline the authority sets; the procedure is suspended until the answers are filed.

Can a licensed Estonian company be run from abroad?

The application can be prepared and managed with you remotely, by email. The authority, however, expects real substance in Estonia: the registered office, and management and key functions that are actually carried out here. We assess this before the application.

How long does the Financial Supervision Authority take to decide on a payment institution or EMI licence?

The authority decides within three months of receiving the complete documents, and at the latest six months after the application was submitted; since 18 March 2026 the application is submitted through its application portal (Financial Supervision Authority, operating licences page, checked 5 October 2026). The time to prepare a complete application depends on your business model and documents; we confirm our preparation time in writing before the work starts and cannot promise the authority's decision.

What is the difference between a payment institution and an e-money institution?

A payment institution provides payment services — for example money remittance, payment accounts or payment initiation. An e-money institution may in addition issue electronic money, the stored value its customers hold; it needs higher initial capital and must safeguard the funds received for e-money. Which licence your model needs follows from the services you plan; we assess it before the work starts.

How long does an Estonian gambling licence take?

The Tax and Customs Board decides on the activity licence within four months of receiving all the documents and information, and at the latest six months after the application (Gambling Act § 18(4)); on each operating permit within two months, and at the latest four months after its application (§ 22(4)) — Gambling Act in the wording in force from 1 January 2026, checked 5 October 2026. The operating permit can only be applied for with an activity licence. We confirm our own preparation time in writing before the work starts and cannot promise the decision.

Who issues the road transport licence in Estonia?

The licence is issued, on behalf of the Ministry of Climate, by the Estonian Transport Administration or by a non-profit association to which this task has been delegated by an administrative contract (Road Transport Act §§ 14 and 47, wording in force from 1 October 2026, checked 5 October 2026). Our package prepares the application; the state fee, the notary fee and the licence fee are included in its price — you pay nothing extra.

All our prices on one page. Compare this service with every other service in our price list.

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Guides

Read the guides

State fees and capital for EU licencesThe official fees and minimum capital for the licences we work on, each with a link to the law — kept apart from our own fees.
Estonian payment institution licenceWhat a payment institution licence allows, who needs one, and the main stages of the process.
Estonian e-money institution (EMI) licenceWhat an EMI licence allows, how it differs from a payment institution licence, and the main stages of the process.
Estonian casino and gambling licenceWhat an Estonian gambling licence allows, which types of gambling exist, and the main stages of the process.
Estonian fund structureThe building blocks of an Estonian fund structure, smaller and larger fund managers, and the main stages of the set-up.
Debt collection, lending and transport licencesThree smaller regulated activities in Estonia: what each requires and how we work with you.
What a licensed company in Estonia really costsOur fee, state fees, the capital the company must hold and the running costs after authorisation — the four cost layers of a licensed company.
AML rules and safeguarding for licensed companiesThe documents a payment institution, e-money institution or gambling operator must have — and what our add-ons include.
Transport manager contractThe rules on external transport managers under Regulation (EC) No 1071/2009 and what the contract must specify.
Responsible gambling procedures for an Estonian licenceThe player protection and AML documents a gambling licence application needs.
Banking and payment partners for fintechsSafeguarding accounts, fiat rails, IBANs and BIN sponsors for regulated businesses.

All guides