# Arcopay — Payment Provider

Arcopay (Afterbanks Arcopay) is a Spanish open-banking provider regulated by the Bank of Spain as a payment institution. Through a REST API it offers account information (financial aggregation) and PSD2 payment initiation for account-to-account payments, plus account holder verification, downloads of Spanish Norm 43/19 files, and aggregation of non-financial data and brokerage holdings. It is part of Minsait Payments (Indra group).

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** Businesses and software platforms (e.g. banks, accounting software, lenders) that want API access to open-banking data aggregation and account-to-account payment initiation in Spain and other covered markets.
- **Categories:** infrastructure
- **Countries served:** 9 (AR, CL, CO, ES, GR, IT, MX, PT, RO)
- **Payment methods:** open_banking

## Legal & compliance

Legal entities:
- MORPHEUS AIOLOS, S.L. — Spain — licenses: Payment Institution, ES, BdE

1 license number and 1 register record (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/arcopay#compliance.


Canonical page: https://paymentproviders.io/providers/arcopay

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)