European BIN sponsors issuing on Mastercard
21 of 21 verified European BIN sponsors document Mastercard issuing - currently every single one.
21 of 21 - in the verified catalogue, Mastercard is currently the universal scheme: every BIN sponsor documents it, which is why “which scheme?” is rarely the question and “which sponsor?” always is. The one European-scheme exception in the market is Bancontact via Paynovate, co-badged - the full story is in the honest scheme map.
Choose on the fields that actually differ: passporting reach, settlement currencies, card products (credit needs a bank behind the programme) and pricing structure - the cost guide and the 7-step path cover both.
21 verified providers
Local IBANs: NL
Adyen (Netherlands) - global acquiring, card issuing and banking; Adyen Issuing offers BIN sponsorship for platforms plus business accounts with NL IBANs. Credit institution (bank), DNB; passported across the EEA (CRD IV). A rare EU-HQ global processor. Agentic-ready - named partner in Mastercard Agent Pay (AI-agent commerce).
Local IBANs: LT GB
DiPocket (Lithuania; + UK) - card issuing and IBAN accounts; Visa & Mastercard Principal Member. EMI, Bank of Lithuania (EEA) + FCA (UK). SEPA + SWIFT, LT IBANs and UK Faster Payments.
Edenred Payment Solutions (ex-PrePay Solutions / PPS; UK + Belgium) - card issuing, BIN sponsorship and in-house processing; Mastercard + Visa primary issuer. FCA EMI (UK, FRN 900010) + PPS EU SA (NBB Belgium, passported to 7 EU countries). Part of Edenred SE (FR, listed); founding member of Mastercard BIN Sponsor Plus.
Enfuce (Finland) - card-as-a-service and BIN sponsorship across the EEA and UK; Visa & Mastercard Principal Member. Dual EMI (FIN-FSA + UK FCA, via Enfuce License Services). Visa holds a stake.
IT Card (Warsaw, Poland) - Poland's largest transaction processor (founded 2008); card issuing (1.6m+ cards), 3DS, the Planet Cash ATM network (~7,400) and Planet Pay POS acquiring. Licensed via Planet Pay - National Payment Institution (KNF), Visa Principal Member + Mastercard acquirer - offering 'fintech-in-a-box' BIN sponsorship. Operates PL/CZ/HR; SIBS (PT) took a majority stake (completed 2026). KRS 0000640662.
Local IBANs: BG GB
Paynetics (Bulgaria; + UK) - card issuing, BIN sponsorship and accounts; dedicated IBANs (SEPA + SWIFT) plus UK sort-code accounts. Dual EMI: BNB (No. 44) + FCA (942777; formerly TPR 900785).
Paynovate (Belgium) - card issuing and BIN sponsorship; Principal Member for Visa, Mastercard and Bancontact-Payconiq (a European domestic scheme). Belgian EMI (NBB); the #1 EMI in Belgium.
Local IBANs: ES
Pecunpay (Pecunia Cards EDE SL, Spain; est. 2015) - card issuing and BIN sponsorship; Visa/Mastercard and the first Spanish issuer of UnionPay cards. Spanish EMI (Banco de Espana). First EMI with direct access to the Spanish payment system (Iberpay) and its own IBAN codes.
Local IBANs: DE
Solaris (Germany) - BaaS, card issuing and BIN sponsorship on a German banking licence. Credit institution, BaFin. Acquired Contis (2021). NB: heightened BaFin supervision (onboarding restrictions, fines 2024-2025).
Local IBANs: FR DE ES IT NL BE
Swan (France) - embedded banking, accounts and card issuing; Mastercard Principal Member sponsoring embedded card programmes. EMI, ACPR (ref 86245).
Transact Payments (Malta + Gibraltar) - card issuing and BIN sponsorship across the UK and EEA; Visa & Mastercard Principal Member. EMI (Malta MFSA + Gibraltar FSC). Being acquired by Marqeta (US) - sovereignty flag.
Local IBANs: FR
Treezor (France) - BaaS, card issuing and tokenization; Visa & Mastercard Principal Member. NB: Societe Generale entered exclusive negotiations to sell 100pct of Treezor to French investech Shares (2026).
Local IBANs: EE
Wallester (Estonia) - card issuing and BIN sponsorship; Visa Principal Member (since 2018), Mastercard via partner. Estonian FSA payment institution; UK entity holds an FCA EMI. Wallester Business EUR IBAN accounts (issued via LHV Bank, EE).
Walletto (Lithuania) - card issuing and acquiring with BIN sponsorship; Visa & Mastercard Principal Member. EMI No. 33, Bank of Lithuania (since 2018).
B4B Payments (UK; + Lithuania) - card issuing, BIN sponsorship and embedded payments. FCA (UK) + Bank of Lithuania (EEA); Mastercard Principal Member. Part of Banking Circle Group since 2021; 19+ years across UK/EU/US.
Decta (UK; + Cyprus, Ireland) - card acquiring, issuer processing and BIN sponsorship; certified Visa/Mastercard/UnionPay processor. EMI, Central Bank of Cyprus (115.1.3.54) + Central Bank of Ireland + FCA (UK). 50+ settlement currencies.
Equals Money (UK) - Mastercard card issuing, FX and multi-currency accounts. FCA EMI + PI (UK). Merged with Railsr in 2025 (now 'Equals'); GBP 58bn+ volume. Group rebranded to Equals (Jun 2026; GBP 58bn+ annual volume).
Monavate (UK; + Lithuania) - card programme issuing and BIN sponsorship; Visa / Mastercard / Discover Principal Member. UK FCA (901097) + UAB Monavate (Bank of Lithuania, LB002139, EEA). EEA card rail via the Lithuanian entity.
Moorwand (London, UK) - BIN sponsorship and issuing (Mastercard, Discover, UnionPay). FCA EMI (FRN 900709). UK-only licence post-Brexit; EEA reach via partner Harmoniie SAS (ACPR EMI, France).
PSI-Pay (UK) - BIN sponsorship across consumer and corporate, physical and virtual cards; Mastercard Principal Issuing Member (+ Visa, Discover). FCA Authorised EMI. 16+ settlement currencies; founding member of Mastercard BIN Sponsor Plus.
IDT Financial Services (Gibraltar) - prepaid card issuing and BIN sponsorship; Visa & Mastercard Principal Member. Gibraltar-licensed issuing bank (GFSC). Subsidiary of IDT Corporation (US); founding member of Mastercard BIN Sponsor Plus. NB: Gibraltar is outside the EEA post-Brexit.
FAQ
Do all European BIN sponsors issue on Mastercard?
In this catalogue, currently yes - all 21 verified BIN sponsors document Mastercard issuing, making it the de facto universal scheme of European fintech card programmes. That is a snapshot of verified data, not a law of nature: the list above is recomputed from the catalogue on every update.
Does choosing Mastercard limit my card programme?
For issuing and acceptance across Europe, rarely - Mastercard and Visa acceptance are on par. It matters at the margins: specific co-brand requirements, domestic co-badge options and some procurement preferences. Either way the scheme layer stays American - the European card schemes guide explains what Europe does and does not control.