Malta Gaming Authority, Class 4
Cost
€5,000 application + €25,000-€35,000 annual licence fee
Timeline
6-9 months
Capital
€40,000 paid-in
B2B platform / software regulated by Malta Gaming Authority.
Who it suits
B2B providers supplying gaming platforms, RNG software, content (slots, table games), or aggregation services to other licensed operators. Not a B2C licence.
Compliance load
Annual technical audit. Software certification per game. Reporting on licensee operators using the platform.
The acquiring angle
B2B gambling MCC routing differs from B2C, flow is mostly invoice-based merchant-to-licensee billing rather than card-acquired consumer transactions. Payment introduction needs are typically lighter; some operators don't need a card MID at all.
Notes and pitfalls
Pure-B2B platforms often discover their card volume is below acquirer minimums and don't require BZNpay's services. Hybrid B2B+B2C operators do.
Reference information, not legal advice. Figures are typical ranges as of 2026.
MGA Class 4 questions.
How do acquirers view the MGA Class 4 licence?
Acquirer acceptance is Moderate. B2B gambling MCC routing differs from B2C, flow is mostly invoice-based merchant-to-licensee billing rather than card-acquired consumer transactions. Payment introduction needs are typically lighter; some operators don't need a card MID at all.
What does the MGA Class 4 cost and how long does it take?
Cost: €5,000 application + €25,000-€35,000 annual licence fee. Timeline: 6-9 months. Capital: €40,000 paid-in. These are typical ranges as of 2026; verify with the regulator before budgeting.
Does BZNpay help with MGA Class 4 applications?
No. We are an introducer to acquirers, not a licensing agent. We can tell you how this licence plays with the acquirer pool and introduce you to the partners whose appetite covers it.