European BIN sponsors
21 verified European providers, ranked European-origin first (14 EU/EEA-origin). Regulated Visa/Mastercard principals that lend their BIN for card issuing. Compare by EEA data residency, licence and regulator - each verified at source.
A BIN sponsor is a regulated institution and scheme principal member that lends its Bank Identification Number to programmes without their own Visa/Mastercard membership - the licence-and-scheme layer of every fintech card. Three facts frame this market: every verified sponsor issues on the US schemes (Mastercard is currently universal, Visa close behind), real credit needs a bank behind the programme, and nobody publishes pricing - the cost guide explains the quote structure instead. Path from brief to signature: how to get a BIN sponsor.
21 verified providers
Last source verification in this list: 2026-07-19. How we verify →
At a glance (21 providers): licences: 16 EMI, 2 Bank, 2 not documented, 1 PI; EEA data residency: 10 Yes, 7 Partial, 4 No; headquarters: 14 EU core, 6 UK, 1 US.
Licence = the authorisation the provider holds itself (Vendor = unlicensed software). EEA data = customer data stored and processed in the EEA. – = not documented at source. Names open the verified profile.
| Provider | HQ | Licence | EEA data | Card schemes | Card products | Issuing reach | Verified | Intro |
|---|---|---|---|---|---|---|---|---|
 Adyen | Netherlands EU core | Bank | Yes | Visa, Mastercard | Prepaid, Debit | EEA, UK (own EEA passport) | 2026-07-19 | Request intro |
 DiPocket | Lithuania / UK EU core | EMI | Partial | Visa, Mastercard | Prepaid, Debit | EEA, UK (own EEA passport) | 2026-07-19 | Request intro |
 Edenred Payment Solutions | UK / Belgium EU core | EMI | Partial | Visa, Mastercard | Prepaid, Debit | EEA, UK (own EEA passport) | 2026-06-26 | Request intro |
 Enfuce | Finland EU core | EMI | Yes | Visa, Mastercard | Prepaid, Debit, Credit | EEA, UK (own EEA passport) | 2026-06-25 | Request intro |
 IT Card | Poland EU core | PI | Yes | Visa, Mastercard | Prepaid, Debit, Credit | EEA (own EEA passport) | 2026-06-26 | Request intro |
 Paynetics | Bulgaria / UK EU core | EMI | Partial | Visa, Mastercard | Prepaid, Debit | EEA, UK (own EEA passport) | 2026-07-19 | Request intro |
 Paynovate | Belgium EU core | EMI | Yes | Visa, Mastercard, Bancontact | Prepaid, Debit | EEA (own EEA passport) | 2026-06-25 | Request intro |
 Pecunpay | Spain EU core | EMI | Yes | Visa, Mastercard, UnionPay | Prepaid, Debit | EEA (own EEA passport) | 2026-07-19 | Request intro |
 Solaris Watch | Germany EU core | Bank | Yes | Visa, Mastercard | Prepaid, Debit, Credit | EEA (own EEA passport) | 2026-07-19 | Request intro |
 Swan | France EU core | EMI | Yes | Mastercard | Prepaid, Debit | EEA (own EEA passport) | 2026-07-19 | Request intro |
 Transact Payments | Malta / Gibraltar EU core | EMI | Partial | Visa, Mastercard | Prepaid, Debit | EEA, UK (own EEA passport) | 2026-06-25 | Request intro |
 Treezor Watch | France EU core | EMI | Yes | Visa, Mastercard | Prepaid, Debit | EEA (own EEA passport) | 2026-07-19 | Request intro |
 Wallester | Estonia EU core | EMI | Yes | Visa, Mastercard | Prepaid, Debit | EEA, UK (own EEA passport) | 2026-07-19 | Request intro |
 Walletto | Lithuania EU core | EMI | Yes | Visa, Mastercard | Prepaid, Debit | EEA (own EEA passport) | 2026-06-25 | Request intro |
 B4B Payments | UK / Lithuania UK | – | Partial | Mastercard | Prepaid, Debit | EEA, UK (own EEA passport) | 2026-06-26 | Request intro |
 Decta | UK / Cyprus / Ireland UK | EMI | Partial | Visa, Mastercard, UnionPay | Prepaid, Debit | EEA, UK (own EEA passport) | 2026-06-25 | Request intro |
 Equals Money | UK UK | EMI | No | Mastercard | Prepaid, Debit | UK (no EEA passport) | 2026-07-12 | Request intro |
 Monavate | UK / Lithuania UK | EMI | Partial | Visa, Mastercard, Discover | Prepaid, Debit | EEA, UK (own EEA passport) | 2026-06-25 | Request intro |
 Moorwand | UK UK | EMI | No | Mastercard, Discover, UnionPay | Prepaid, Debit | EEA, UK (EEA via partner) | 2026-06-25 | Request intro |
 PSI-Pay | UK UK | EMI | No | Visa, Mastercard, Discover | Prepaid, Debit | UK (no EEA passport) | 2026-06-26 | Request intro |
 IDT Financial Services | Gibraltar US | – | No | Visa, Mastercard | Prepaid, Debit | UK, Gibraltar, IL (no EEA passport) | 2026-06-26 | Request intro |
FAQ
What is a BIN sponsor?
A BIN sponsor is a regulated institution and Visa/Mastercard principal member that lends its Bank Identification Number to companies without their own scheme licence, so they can issue cards. Fintechnologica lists 21 verified BIN sponsors (14 European-origin) with their scheme membership, reach and passporting shown.
Can a BIN sponsor issue credit cards, or only prepaid and debit?
Most European BIN sponsors are EMIs, so they can only issue prepaid and debit - real credit requires a banking or credit licence, which only a handful of sponsors hold. The card scheme itself will almost always be Visa or Mastercard; European domestic schemes are rare in the fintech BIN channel.