{"id":10247,"date":"2025-10-14T11:45:00","date_gmt":"2025-10-14T09:45:00","guid":{"rendered":"https:\/\/modernipravnik.cz\/?p=10247"},"modified":"2025-10-14T11:34:18","modified_gmt":"2025-10-14T09:34:18","slug":"licence-pro-poskytovatele-platebnich-sluzeb-maleho-rozsahu","status":"publish","type":"post","link":"https:\/\/modernipravnik.cz\/en\/blog\/licence-pro-poskytovatele-platebnich-sluzeb-maleho-rozsahu\/","title":{"rendered":"Licence \u010cNB pro poskytovatele platebn\u00edch slu\u017eeb mal\u00e9ho rozsahu"},"content":{"rendered":"<h1 style=\"text-align: center;\"><strong>Licence \u010cNB pro poskytovatele platebn&iacute;ch slu\u017eeb mal&eacute;ho rozsahu<\/strong><\/h1>\n<p><em>Chyst&aacute;te se podnikat v\u00a0oblasti platebn&iacute;ch slu\u017eeb a\u00a0nechcete hned investovat stovky tis&iacute;c eur do pln&eacute; licence platebn&iacute; instituce? Pro men&scaron;&iacute; podnikatele, fintech start-upy nebo e-shopy existuje jednodu&scaron;&scaron;&iacute; cesta - st&aacute;t se poskytovatelem platebn&iacute;ch slu\u017eeb mal&eacute;ho rozsahu (PPSMR).<\/em><\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Co je poskytovatel platebn&iacute;ch slu\u017eeb mal&eacute;ho rozsahu?<\/strong><\/h2>\n<p>PPSMR je firma, kter&aacute; m\u016f\u017ee poskytovat vybran&eacute; platebn&iacute; slu\u017eby na z&aacute;klad\u011b povolen&iacute; \u010cesk&eacute; n&aacute;rodn&iacute; banky. Jde nap\u0159&iacute;klad o\u00a0p\u0159evody pen\u011bz, provoz platebn&iacute; br&aacute;ny nebo elektronick&eacute; pen\u011b\u017eenky.<\/p>\n<p>Na rozd&iacute;l od plnohodnotn&eacute; platebn&iacute; instituce m&aacute; PPSMR limity:<\/p>\n<ul>\n<li>m\u011bs&iacute;\u010dn\u011b nesm&iacute; p\u0159ekro\u010dit pr\u016fm\u011br 3\u00a0miliony eur v\u00a0transakc&iacute;ch,<\/li>\n<li>p\u016fsob&iacute; pouze v\u00a0\u010cesk&eacute; republice,<\/li>\n<li>nem\u016f\u017ee nab&iacute;zet n\u011bkter&eacute; slu\u017eby, kter&eacute; jsou vyhrazeny velk&yacute;m hr&aacute;\u010d\u016fm (nap\u0159. tzv.\u00a0PIS nebo AIS).<\/li>\n<\/ul>\n<p>Pro men&scaron;&iacute; podnik&aacute;n&iacute; je to ale ide&aacute;ln&iacute; start - ni\u017e&scaron;&iacute; n&aacute;klady a\u00a0rychlej&scaron;&iacute; vstup na trh.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Jak prob&iacute;h&aacute; licen\u010dn&iacute; \u0159&iacute;zen&iacute; u\u00a0\u010cNB?<\/strong><\/h2>\n<p>Pokud se rozhodnete vydat cestou PPSMR, mus&iacute;te proj&iacute;t schvalovac&iacute;m \u0159&iacute;zen&iacute;m u\u00a0\u010cesk&eacute; n&aacute;rodn&iacute; banky. Ta pe\u010dliv\u011b posuzuje, zda v&aacute;&scaron; projekt spl\u0148uje v&scaron;echny z&aacute;konn&eacute; podm&iacute;nky a\u00a0jestli je p\u0159ipraven fungovat bezpe\u010dn\u011b a\u00a0transparentn\u011b.<\/p>\n<p>K\u00a0\u017e&aacute;dosti je nutn&eacute; dolo\u017eit n\u011bkolik kl&iacute;\u010dov&yacute;ch v\u011bc&iacute;. P\u0159edev&scaron;&iacute;m mus&iacute; m&iacute;t \u017eadatel zalo\u017eenou spole\u010dnost se s&iacute;dlem v\u00a0\u010cesk&eacute; republice. D&aacute;le je t\u0159eba p\u0159edlo\u017eit obchodn&iacute; pl&aacute;n, kter&yacute; je podlo\u017een re&aacute;ln&yacute;mi propo\u010dty a\u00a0ukazuje, \u017ee podnikatelsk&yacute; z&aacute;m\u011br je \u017eivotaschopn&yacute;. \u010cNB tak&eacute; po\u017eaduje prok&aacute;z&aacute;n&iacute; spolehliv&eacute; organiza\u010dn&iacute; struktury a\u00a0syst&eacute;mu \u0159&iacute;zen&iacute; rizik, aby bylo jasn&eacute;, \u017ee firma dok&aacute;\u017ee fungovat stabiln\u011b a\u00a0bezpe\u010dn\u011b.<\/p>\n<p>Dal&scaron;&iacute; podm&iacute;nkou je, aby veden&iacute; spole\u010dnosti bylo odborn\u011b zp\u016fsobil&eacute; a\u00a0bez&uacute;honn&eacute;. Nezbytn&eacute; jsou tak&eacute; opat\u0159en&iacute; proti pran&iacute; pen\u011bz (AML), stejn\u011b jako dostate\u010dn&aacute; IT bezpe\u010dnost a\u00a0ochrana klientsk&yacute;ch dat.<\/p>\n<p>Samotn&eacute; schvalovac&iacute; \u0159&iacute;zen&iacute; obvykle trv&aacute; t\u0159i a\u017e &scaron;est m\u011bs&iacute;c\u016f. Pokud ale \u017e&aacute;dost nen&iacute; kompletn&iacute; nebo obsahuje nedostatky, proces se m\u016f\u017ee v&yacute;razn\u011b prot&aacute;hnout, a\u00a0v krajn&iacute;m p\u0159&iacute;pad\u011b hroz&iacute; i\u00a0jej&iacute; zam&iacute;tnut&iacute;.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>V&yacute;hody a\u00a0nev&yacute;hody<\/strong><\/h2>\n<p><strong>V&yacute;hody:<\/strong><\/p>\n<ul>\n<li>\u017e&aacute;dn&yacute; povinn&yacute; minim&aacute;ln&iacute; kapit&aacute;l (oproti 125 000\u00a0EUR u\u00a0platebn&iacute; instituce),<\/li>\n<li>ni\u017e&scaron;&iacute; n&aacute;klady na provoz a\u00a0compliance,<\/li>\n<li>rychlej&scaron;&iacute; cesta na trh.<\/li>\n<\/ul>\n<p><strong>Nev&yacute;hody:<\/strong><\/p>\n<ul>\n<li>limitovan&yacute; objem transakc&iacute;,<\/li>\n<li>platnost licence jen na &uacute;zem&iacute; \u010cR,<\/li>\n<li>men&scaron;&iacute; rozsah slu\u017eeb oproti pln&eacute; platebn&iacute; instituci.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><strong>Co m\u016f\u017eeme pro poskytovatele&nbsp;platebn&iacute;ch slu\u017eeb mal&eacute;ho rozsahu ud\u011blat?<\/strong><\/h2>\n<p>Z&iacute;sk&aacute;n&iacute; licence PPSMR nen&iacute; jen form&aacute;ln&iacute; z&aacute;le\u017eitost. \u010cesk&aacute; n&aacute;rodn&iacute; banka pe\u010dliv\u011b zkoum&aacute; ka\u017ed&yacute; dokument a\u00a0z&aacute;rove\u0148 prov\u011b\u0159uje osoby ve veden&iacute; spole\u010dnosti. Nej\u010dast\u011bji kon\u010d&iacute; \u017e&aacute;dosti zam&iacute;tnut&iacute;m kv\u016fli nedostatk\u016fm v\u00a0obchodn&iacute;m pl&aacute;nu, slab&eacute; compliance nebo nedostate\u010dn&eacute; IT bezpe\u010dnosti.<\/p>\n<p>Na&scaron;e kancel&aacute;\u0159 v&aacute;m dok&aacute;\u017ee cel&yacute; proces v&yacute;razn\u011b usnadnit. Pom\u016f\u017eeme v&aacute;m p\u0159ipravit kompletn&iacute; dokumentaci, nastavit jasn&yacute; obchodn&iacute; a\u00a0compliance pl&aacute;n, zastupovat v&aacute;s p\u0159i komunikaci s\u00a0\u010cNB a\u00a0reagovat na v&scaron;echny jej&iacute; p\u0159ipom&iacute;nky. D&iacute;ky tomu v&yacute;razn\u011b sn&iacute;\u017e&iacute;me riziko, \u017ee bude va&scaron;e \u017e&aacute;dost zam&iacute;tnuta, a\u00a0cel&yacute; proces bude prob&iacute;hat hladce a\u00a0efektivn\u011b.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Chcete za\u010d&iacute;t podnikat jako poskytovatel platebn&iacute;ch slu\u017eeb mal&eacute;ho rozsahu?<\/strong><\/h2>\n<p>Ozv\u011bte se n&aacute;m. R&aacute;di v&aacute;s provedeme cel&yacute;m procesem od prvotn&iacute; konzultace a\u017e po z&aacute;pis u\u00a0\u010cNB. D&iacute;ky na&scaron;im zku&scaron;enostem z&iacute;sk&aacute;te licenci rychleji a\u00a0s jistotou, \u017ee je v&aacute;&scaron; projekt v\u00a0souladu se z&aacute;konem.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Autor: Mat\u011bj &Scaron;ediv&yacute; a&nbsp;Mgr.\u00a0Barbora Jan&aacute;\u010dkov&aacute;<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n\n\n<p class=\"wp-block-paragraph\">\n        <div class=\"cta-form__wrapper\">\n            <div class=\"cta-form__grid\">\n                <div class=\"cta-form__info\">\n\n<div class=\"contact-container\">\n    <div class=\"contact-left\">\n<h3> <strong>Napi\u0161te na\u0161im odborn\u00edk\u016fm, pom\u016f\u017eeme v\u00e1m!  <\/strong><\/h3>\n        <div class=\"lawyers\">\n            <div class=\"lawyer\">\n                <img decoding=\"async\" src=\"https:\/\/modernipravnik.cz\/wp-content\/uploads\/2024\/12\/Petr-Uklein-Grey.jpg\" alt=\"Advokat 1\">\n                <span class=\"status\"><\/span>\n            <\/div>\n\n\n            <div class=\"lawyer\">\n                <img decoding=\"async\" src=\"https:\/\/modernipravnik.cz\/wp-content\/uploads\/2026\/01\/Matej-Sedivy.png\" alt=\"Advokat 2\">\n                <span class=\"status\"><\/span>\n            <\/div>\n            <div class=\"lawyer\">\n                <img decoding=\"async\" src=\"https:\/\/modernipravnik.cz\/wp-content\/uploads\/2024\/12\/Barbora-Janackova-grey3.jpg\" alt=\"Advokat 3\">\n                <span class=\"status\"><\/span>\n            <\/div>\n            <div class=\"lawyer\">\n                <img decoding=\"async\" src=\"https:\/\/modernipravnik.cz\/wp-content\/uploads\/2026\/01\/martin-1.png\" alt=\"Advokat 4\">\n                <span class=\"status\"><\/span>\n            <\/div>\n            <div class=\"lawyer\">\n                <img decoding=\"async\" src=\"https:\/\/modernipravnik.cz\/wp-content\/uploads\/2026\/01\/radka-1.png\" alt=\"Advokat 5\">\n                <span class=\"status\"><\/span>\n            <\/div>\n            <div class=\"lawyer\">\n                <img decoding=\"async\" src=\"https:\/\/modernipravnik.cz\/wp-content\/uploads\/2026\/01\/image.png\" alt=\"Advokat 6\">\n                <span class=\"status\"><\/span>\n            <\/div>\n            <div class=\"lawyer\">\n                <img decoding=\"async\" src=\"https:\/\/modernipravnik.cz\/wp-content\/uploads\/2026\/01\/ruta.png\" alt=\"Advokat 7\">\n                <span class=\"status\"><\/span>\n            <\/div>\n        <\/div>\n<div class=\"form-descr\">\nNev\u00e1hejte se s\u00a0n\u00e1mi pod\u011blit o\u00a0svou situaci a\u00a0stru\u010dn\u011b popsat, s\u00a0\u010d\u00edm v\u00e1m m\u016f\u017eeme pomoci. Sd\u011blte n\u00e1m, jak v\u00e1s m\u016f\u017eeme nejl\u00e9pe kontaktovat, a\u00a0n\u00e1\u0161 t\u00fdm se v\u00e1m obratem ozve s\u00a0n\u00e1vrhem \u0159e\u0161en\u00ed. Pro va\u0161i lep\u0161\u00ed orientaci doporu\u010dujeme se p\u0159edem sezn\u00e1mit s\u00a0na\u0161\u00edm <a href=\"https:\/\/modernipravnik.cz\/en\/cenik\/\"><strong>price list<\/strong><\/a> Services.\n<\/div>\n\n        <div class=\"contact-info\">\n            \n<strong> Po-P\u00e1: 9:00 -18:00 <\/strong>\n            <p class=\"email\"><a href=\"mailto:info@modernipravnik.cz\">info@modernipravnik.cz<\/a><\/p>\n<a href=\"tel:+420732394849\">\n<p class=\"phone\">\ud83d\udcde (+420) 732 394 849 <span><\/span><\/p><\/a>\n\n\n        <\/div>\n    <\/div>\n\n \n<\/div>\n\n<\/div>\n                <div class=\"cta-form__form\">\n            <link rel=\"stylesheet\" href=\"https:\/\/modernipravnik.cz\/chatbot\/cf\/cf.css\"><form class=\"mp-contact-form\" action=\"https:\/\/modernipravnik.cz\/chatbot\/cf\/cf-lead.php\" method=\"post\" novalidate data-trp-original-action=\"https:\/\/modernipravnik.cz\/chatbot\/cf\/cf-lead.php\"><input type=\"text\" name=\"mp_kontrola\" class=\"mp-cf-hp\" tabindex=\"-1\" autocomplete=\"off\" aria-hidden=\"true\"><input type=\"hidden\" name=\"page\" value=\"\"><div class=\"mp-cf-row\"><input type=\"text\" name=\"first_name\" placeholder=\"Jm\u00e9no\" required><input type=\"text\" name=\"last_name\" placeholder=\"P\u0159\u00edjmen\u00ed\" required><\/div><input type=\"tel\" name=\"phone\" placeholder=\"Phone\" required><input type=\"email\" name=\"email\" placeholder=\"E-mail\" required><textarea name=\"message\" placeholder=\"Stru\u010dn\u011b popi\u0161te, s \u010d\u00edm v\u00e1m m\u016f\u017eeme pomoci\"><\/textarea><label class=\"mp-cf-consent\"><input type=\"checkbox\" name=\"consent\" required> I consent to the processing of my personal data for the purpose of handling my inquiry.<\/label><div class=\"cf-turnstile\" data-sitekey=\"0x4AAAAAADtQojXXLQXxojB1\" data-size=\"flexible\" style=\"margin:6px 0 14px\"><\/div><button type=\"submit\">Odeslat<\/button><div class=\"mp-cf-status\" role=\"status\" aria-live=\"polite\"><\/div><input type=\"hidden\" name=\"trp-form-language\" value=\"en\"\/><\/form><script src=\"https:\/\/modernipravnik.cz\/chatbot\/cf\/cf.js?v=1792426575\" defer><\/script>\n        <\/div>\n            <\/div>\n        <\/div>\n<style>\n.cta-form__wrapper {\n    margin: 40px 0;\n    background: #f2f2f2;\n    padding: 30px;\n    border-radius: 10px;\n}\n.cta-form__grid {\n    display: flex;\n    flex-wrap: wrap;\n    gap: 30px;\n    justify-content: space-between;\n}\n.cta-form__info {\n    flex: 1 1 48%;\n}\n.cta-form__form {\n    flex: 1 1 48%;\n    background: #fff;\n    padding: 20px;\n    border-radius: 10px;\n}\n\/* \u041c\u043e\u0431\u0438\u043b\u043a\u0438: 100% \u0448\u0438\u0440\u0438\u043d\u044b \u0438 \u0443\u0431\u0438\u0440\u0430\u0435\u043c \u0432\u043d\u0443\u0442\u0440\u0435\u043d\u043d\u0438\u0435 \u043f\u0430\u0434\u0434\u0438\u043d\u0433\u0438 *\/\n@media (max-width: 768px) {\n    .cta-form__wrapper {\n        padding: 0;\n        background: transparent;\n    }\n    .cta-form__grid {\n        flex-direction: column;\n        gap: 0;\n    }\n    .cta-form__info, .cta-form__form {\n        flex: 1 1 100%;\n        padding: 20px;\n        border-radius: 0;\n    }\n}\n<\/style><\/p>","protected":false},"excerpt":{"rendered":"<p>Chyst\u00e1te se podnikat v\u00a0oblasti platebn\u00edch slu\u017eeb a\u00a0nechcete hned investovat stovky tis\u00edc eur do pln\u00e9 licence platebn\u00ed instituce? Pro men\u0161\u00ed podnikatele, fintech start-upy nebo e-shopy existuje jednodu\u0161\u0161\u00ed cesta - st\u00e1t se poskytovatelem platebn\u00edch slu\u017eeb mal\u00e9ho rozsahu (PPSMR).<\/p>","protected":false},"author":766,"featured_media":12987,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[63,2771],"tags":[377,1853,1855,1857,1851,1849,391],"class_list":["post-10247","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-obchodni-pravo","category-podnikani","tag-advokatni-kancelar","tag-cnb-licence","tag-fintech-startup","tag-platebni-instituce","tag-platebni-sluzby-maleho-rozsahu","tag-ppsmr","tag-pravni-sluzby"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Licence \u010cNB pro poskytovatele platebn\u00edch slu\u017eeb mal\u00e9ho rozsahu<\/title>\n<meta name=\"description\" content=\"Licence \u010cNB pro poskytovatele platebn\u00edch slu\u017eeb mal\u00e9ho rozsahu? 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Oleksandr Spitsyn\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mgr. Oleksandr Spitsyn\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/modernipravnik.cz\\\/blog\\\/licence-pro-poskytovatele-platebnich-sluzeb-maleho-rozsahu\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/modernipravnik.cz\\\/blog\\\/licence-pro-poskytovatele-platebnich-sluzeb-maleho-rozsahu\\\/\"},\"author\":{\"name\":\"Mgr. 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