Fintech infrastructure providers in Denmark

Aiia (Denmark) - open banking data and payments across 3,000+ European banks; now Mastercard Open Banking Services Europe A/S (Mastercard-owned).

Cardlay (Denmark) - spend-management software with an own partner-issued virtual card programme; an expense add-on for bank card programmes.

CellPoint Digital (Copenhagen, Denmark) - enterprise payment orchestration, strong in travel/airlines; routing across global + local cards, APMs, acquirers and PSPs.

Clearhaus (Aarhus, Denmark) - e-commerce merchant acquirer serving 33,000+ webshops across Europe; first Danish acquirer with a Payment Facilitator solution. Acquired by Unzer (DE) together with QuickPay - ownership flag (EU). Licensed payment institution (Danish FSA).

Dankort (Denmark; est. 1983) - Denmark's domestic debit scheme (held by ~90% of Danes), operated by Nets A/S (part of Nexi); a 2025 Danish law opens processing beyond the Nets monopoly. Often co-badged with Visa/MC. European card scheme.

Inpay (Copenhagen, Denmark) - cross-border payments via a global correspondent/settlement network for banks, FIs, iGaming, NGOs. Danish payment institution; multi-currency.

Januar (Copenhagen, Denmark) - payments and account infrastructure for crypto and fintech businesses: EUR accounts and payment rails under a PSD2 payment-institution licence (Finanstilsynet) since 2021, extended with a MiCA CASP authorisation for trading, custody and stablecoin infrastructure.

Mazepay (Aarhus, Denmark; founded 2018) - B2B long-tail spend management for enterprises (single-use cards, supplier payments, Mastercard ICCP); holds a pan-European payment licence from the Danish FSA. Register-sourced: Payment institution (PI), Danish Financial Supervisory Authority, ref 39772388; passported to 30 EEA states.

🏦 Local IBANs: DK NO SE

Moonrise (Denmark; spun out of Lunar bank, Dec 2024) - Nordic BaaS / clearing-infrastructure access via a single API for account and clearing across Denmark, Norway and Sweden, leveraging Lunar's banking licence.

Muinmos (Copenhagen, Denmark) - AI client onboarding and lifecycle: the PASS engine delivers instant cross-border client classification, KYC/KYB and suitability per product/service/country. Regulation-first RegTech (RegTech100, 9 years).

Netcompany (Copenhagen, Denmark; listed; 9,500+ professionals) - European IT consultancy positioning itself explicitly around building European digital sovereignty; delivery across 10+ countries incl. financial services. Services axis - unregulated technology partner.

Northstake (Copenhagen, Denmark; founded 2021) - institutional staking infrastructure (ETH staking vaults for regulated financial institutions, asset managers and custodians); supervised by the Danish FSA. Register-sourced: MiCA CASP, Finanstilsynet, ref 98450010C0CB6A4E8A79; passported to 30 EEA states.

Own EMI: Pleo Financial Services ApS (Danish FSA ref 40506); spend + expense cards across 16 EU countries.