Fintech infrastructure providers in Austria

A-Trust (Vienna, Austria) - Austria's leading eIDAS Qualified Trust Service Provider (QTSP) and issuer of the ID Austria QES (successor to Handy-Signatur); provides every citizen a free QES (3.8M+ users, 01/2024). On the EU Trusted List (Austrian supervisor RTR).

Austriacard (AUSTRIACARD Holdings AG, Vienna, Austria; listed Vienna + Athens) - designs, produces and personalises payment, ID, transport and loyalty cards, plus mobile payment and trusted service management; 900+ staff in its Digital Security division. Owns Tag Systems (card manufacturing in Andorra/Europe since 1999).

Bitpanda (Vienna) - MiCA CASP via FMA Austria (+ dual rail CSSF Luxembourg). B2B arm Bitpanda Technology Solutions = white-label investing/crypto infrastructure for banks.

Bitpanda Technology Solutions (Vienna, Austria) - B2B white-label investing + digital-asset infrastructure (stocks, ETFs, crypto, custody, tokenization) for banks/fintechs. Relies on Bitpanda VASP (Austria FMA + AMF), MiFID II investment-firm, PSD2 and MiCA (BaFin) authorisations. Client: N26.

Bluecode (Austria) - mobile account-to-account (A2A) payment scheme; bank-account-linked QR/barcode payments, no card rails. Pan-European payment-sovereignty play, live across 20+ EEA markets.

bsurance (Vienna, Austria) - embedded-insurance provider: cloud-based, customised insurance products integrated at the point of need for e-commerce, mobility and fintech partners.

DIMOCO (Vienna, Austria; founded 2000) - licensed Austrian payment institution (FMA-regulated): acquirer and PSP processing cards plus ~100 alternative payment methods, and one of Europe's leading direct carrier billing providers (payments charged to the mobile phone bill).

IXOPAY (Vienna, Austria) - enterprise / white-label payment orchestration (provider management, smart routing, PCI vault / tokenization), IXOLIT Group. Merged with TokenEx (US) in 2024.