European BIN sponsors issuing on Visa
17 of 21 verified European BIN sponsors document Visa issuing - the scheme cut, verified at source.
17 of 21 verified BIN sponsors document Visa issuing; the rest - B4B Payments, Equals Money, Moorwand, Swan - run Mastercard-side programmes. If your product needs Visa specifically (a co-brand agreement, brand preference, a market nuance), this cut is your shortlist: each profile carries the verified scheme list, settlement currencies and passporting reach.
Context worth having before you choose: the scheme layer is American either way - the honest scheme map - and the quote structure behind sponsorship is unpacked in how much does a BIN sponsor cost.
17 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).
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).
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.
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.
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 Visa?
No - 17 of 21 verified sponsors document Visa issuing; the remainder run Mastercard-side programmes. If Visa is a hard requirement, treat the scheme field as a first filter - it is verified per provider in this catalogue.
Can one sponsor issue on both Visa and Mastercard?
Most on this list can - dual-scheme sponsors dominate, and the scheme is then chosen per programme (economics, co-brand deals, acceptance nuances). The choice between the two US schemes is strategy, not sovereignty: neither is European, as the card-scheme guide explains.