Pledg

Pledg holds no authorisation of its own, which is why there is nothing under its authorisations on this listing.

Pledg SAS (RCS Paris 823 495 544, incorporated 11 October 2016, 55 rue La Boétie, Paris) carries INSEE activity code 62.01Z, computer programming, and appears nowhere in ACPR's REGAFI register: searches by SIREN and by name return zero, against controls that correctly return FACTOFRANCE and CA Consumer Finance. So it is not a credit institution, a payment institution or an EMI, nor a registered payment-services agent. Only one exact "PLEDG" entity exists in France.

Its sole own authorisation was an ORIAS registration as COBSP, a credit and payment-services broker, number 21001402, from 12 March 2021. The live ORIAS register now returns PLEDG, SIREN 823 495 544, Paris, with status RADIÉ and COBSP marked SUPPRIMÉ; the official COBSP list drawn up 9 October 2026 gives the removal date as 10 January 2025 and records "Encaissement de fonds: Non", so it was never permitted to hold client money. Pledg's own privacy policy still asserts the registration, which is out of date. It is not recorded as an authorisation here: it is lapsed, and ORIAS was reached only through its advanced-search form, so the register entry itself has never been opened.

The licence that matters is the parent's, and it belongs to the parent rather than to Pledg. Pledg became a wholly owned subsidiary of Crédit Agricole Personal Finance & Mobility in February 2024 — legally Crédit Agricole Consumer Finance S.A., SIREN 542 097 522, Massy, capital €629.5m, ACPR-supervised, REGAFI CIB 41539 and id_referentiel 21700, an établissement de crédit with a full bank agrément in force since 18 September 1970, confirmed on REGAFI's open-data API. An earlier "authorisation id 8007" could not be reproduced. That licence is not recorded as one of Pledg's authorisations, because it is not one: it is Crédit Agricole Consumer Finance's.

What it means for a merchant is that the funds and the consumer credit sit with a bank rather than with Pledg. Pledg's developer documentation describes settlement by virtual card or daily wire, and its privacy policy names a securitisation vehicle, a fonds commun de titrisation, financing the receivables. The product now trades as "Pledg by Sofinco". An 8-country footprint is unsupported: every source found is France-only.

Checked against Pledg’s own documentation on 21 October 2026. Coverage changes; confirm anything you are about to build on.