finpeel Answers · Kuwait · updated 2026-08-14

Do I need a licence to operate a payment gateway in Kuwait?

It depends on the function. If the business provides regulated electronic payment services rather than only technology, it must fit the Central Bank of Kuwait framework for registered electronic payment service providers/operators.

CBK distinguishes payment-service providers, e-money service providers and payment-system operators. A gateway label does not determine which category applies.

Map whether the company handles funds, acquires merchants, executes payment instructions or only provides technical routing.

Regulator: Central Bank of Kuwait (CBK)

Primary sources: Central Bank of Kuwait — Electronic Payment Instructions

Directional — not legal advice. Verify with the regulator before committing.

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