Fintech infrastructure providers in Finland
9 verified providers headquartered in Finland - across BaaS, card issuing, IBAN, payments, KYC/KYB, crypto/MiCA and cross-border/FX. Each verified at source.
Fintech licensing and products in Finland
The official registers list 55 licensed payment, e-money and crypto firms in Finland (as of 2026-09-18): 9 e-money institutions (EMI), 26 payment institutions (PI), 5 MiCA crypto-asset service providers (CASP), 15 account information service providers (AISP). 8 of them belong to a provider with a verified profile here. Browse all 55 in the European Fintech Index →
Passporting: 35 of the 55 firms licensed in Finland have notified at least one other EEA state. In the other direction, 871 firms licensed elsewhere in the EEA have notified services into Finland under an EEA passport, about 16 for every firm licensed at home. The largest groups are licensed in Lithuania (108), the Netherlands (78), France (77).
Products offered by the providers below: Issuer processing (2), Tokenization – X-Pays (2), BaaS (1), BIN sponsor (1), Card issuing software (1), Core banking (1), Crypto / digital-asset infra (1), E-invoicing & tax compliance (1), IBAN sponsor (1), Open banking (1), Sovereign cloud & hosting (1), Spend management (1), Tokenization – Non-X-Pays (1), Treasury & cash management (1).
9 verified providers in Finland
At a glance (9 providers): licences: 4 Vendor, 3 EMI, 2 PI; EEA data residency: 8 Yes, 1 Partial.
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 | Licence | EEA data | Products | Verified | Intro |
|---|---|---|---|---|---|
 Basware | Vendor | Yes | E-invoicing & tax compliance | 2026-06-29 | Request intro |
 Enable Banking | PI | Yes | Open banking | 2026-06-25 | Request intro |
 Enfuce | EMI | Yes | Card issuing software, BIN sponsor, Issuer processing +1 | 2026-06-25 | Request intro |
 Epassi | PI | Yes | Spend management | 2026-07-13 | Request intro |
 Narvi | EMI | Yes | IBAN sponsor, BaaS | 2026-07-19 | Request intro |
 Nomentia | Vendor | Yes | Treasury & cash management | 2026-07-11 | Request intro |
 Tietoevry Banking | Vendor | Yes | Core banking, Issuer processing, Tokenization – X-Pays +1 | 2026-06-25 | Request intro |
 UpCloud | Vendor | Yes | Sovereign cloud & hosting | 2026-07-12 | Request intro |
 Paxos Issuance Europe | EMI | Partial | Crypto / digital-asset infra | 2026-06-26 | Request intro |
No longer operating (1)
Kept on record on purpose: licences get revoked and providers fail, and checking status before signing is part of due diligence. These are not live options - they are left out of the list and the counts above.
- Membrane Finance (Finland) - 2026-09-18: EUROe decommissioned - redemption-only at 1:1 after Paxos completed the acquisition; euroe.com redirects to the Paxos redemption notice.