Fintech infrastructure providers in France

Agicap (Lyon, France) - cash-flow management and forecasting for SMEs and mid-market: liquidity planning, receivables follow-up and payments. French SaaS (unlicensed software).

Algoan (Paris, France) - open-banking credit scoring and decisioning: analyses bank transaction data (AIS) to score creditworthiness for lenders, with partnerships including Worldline and Mastercard. Registered AISP (ACPR). A European, data-minimising alternative to classic bureau scores.

Alma (Paris, France; founded 2018) - split-payment and BNPL. ACPR-licensed payment institution and financing company (no. 90786). EUR 2.5bn volume in 2025 (profitable), 23k merchants across 10 countries; partners with the CB scheme.

Bridge (France) - open banking AIS/PIS by Bankin' (ACPR-regulated group): account data and A2A payments.

Deblock (FR/UK; ex-Revolut founders) - account + non-custodial crypto wallet. AMF MiCA CASP (crypto-crypto, crypto-cash, order execution).

Defacto (France) - B2B lending fintech offering standard credit loans; the first such fintech licensed by the ACPR (Feb 2024). 17k+ businesses across FR/DE/ES/NL/BE.

Fintecture (France) - open-banking / A2A payment infrastructure using SEPA instant transfers as a card alternative (lower fees, fraud reduction). PIS-licensed (ACPR / Banque de France); member of France FinTech.

Fipto (Paris) - blockchain B2B payments / stablecoin settlement infrastructure. AMF MiCA CASP (custody, crypto-cash, order execution, transfers).

Groupement Cartes Bancaires (GIE CB, France; est. 1984) - operator of CB, France's domestic card scheme, founded by major French banks (BNP Paribas, SocGen, Crédit Agricole, BPCE, Crédit Mutuel, La Banque Postale). >95% of CB cards are co-badged with Visa/MC (EU IFR art. 8); ~65% of French purchases. Flagship European card scheme (co-badge).

HiPay (France; Euronext Growth Paris: ALHYP; spun from HiMedia 2015) - PSP and acquirer; EUR 9.5bn payment volume, ~250 staff across five EU locations.

IDEMIA (France) - card manufacturing and tokenization; issuer / HCE wallet (token requestor).

Ingenico (Suresnes, France) - the global leader in payment terminals: AXIUM Android terminals, Terminal-as-a-Service and the PPaaS payments platform. Sold by Worldline to Apollo Funds (closed Oct 2022), operating as an independent company since - ownership flag (US PE). Acquired SoftPOS provider phos (2023).

Ledger (Paris) - hardware security (HSM) + institutional self-custody tech (Ledger Enterprise / Vault). Software/hardware infra vendor (clients hold any CASP licence). EEA HQ (FR).

🏦 Local IBANs: FR

Lemonway (France) - marketplace payments with dedicated virtual IBANs. EMI, ACPR (reg 16568).

Lusis Payments (Paris, France; founded 2003) - the TANGO payments engine (TANGO V8): acquiring, routing, switching and authorisation across ATM/POS/internet/mobile; a payments hub and legacy-replacement platform.

Lyra Network (Labège/Toulouse, France; founded 2001) - 'made in France' payment gateway (PayZen brand) for e-commerce, proximity and e-invoicing, with fraud management; a French sovereignty angle.

Market Pay (France; created 2016 as Carrefour's payment arm; 60% sold to AnaCap in 2020, Carrefour ~30%) - omnichannel payments platform; 3bn transactions and 320k terminals across 9 EU countries; acquired Novelpay.

Monext (Paris; Credit Mutuel Arkea group) - payment processing, acquiring & issuing platform; card digitization / X-Pay provisioning into Apple Pay, Google Pay, Samsung Pay.

Mooncard (Moongroup SAS, Paris; since 2016) - corporate cards and expense management. ACPR payment-services agent (no. 89380), agent of the EMI Treezor (CIB 16798).

Nexway (Paris, France) - merchant-of-record and subscription-commerce platform for software and digital goods: global payments, tax compliance and a reseller/partner network.

Numeral (France) - payment-operations and bank-connectivity automation software, processing EUR 10bn+/yr; acquired by Mambu (Dec 2024).

October (ex-Lendix, France; founded 2014; FR/ES/IT/NL/DE) - SME lending marketplace. ECSP licence + IFP (ORIAS 15000364); financed EUR 1bn+. NB: no longer offering new financing - managing the existing book.

🏦 Local IBANs: FR

Okali (SFPMEI, Banque de France; France) - a BaaS pioneer since 2013 and the regulated entity behind Spendesk, Blank, Helios and others. EMI; 100% Crédit Agricole subsidiary (Jan 2022).

OVHcloud (Roubaix, France; founded 1999) - Europe's largest cloud provider: 3-availability-zone regions in Paris, Milan and Berlin, EU legal jurisdiction end-to-end - explicitly outside the reach of the US CLOUD Act. The default sovereign choice for EEA data residency.

Paragon ID (France; Euronext-listed) - via its Thames Technology arm designs, manufactures and personalises payment cards for banks and retailers; also Europe's largest RFID provider (inlays, tags, labels). French-HQ card and identification manufacturer.

Payplug (Paris, France; Groupe BPCE) - French payment solution for retailers and e-merchants, merged with Dalenys (2022) to form BPCE's payments fintech; privileged connectivity to the Cartes Bancaires scheme alongside Visa/Mastercard. Licensed payment institution (ACPR). NB: owned by Groupe BPCE - EU bank group.

Pennylane (Paris, France) - accounting and finance platform with e-invoicing; a registered French PDP (Plateforme de Dematerialisation Partenaire) for the upcoming French e-invoicing mandate. French fintech unicorn.

Powens (France; since Mar 2018) - open banking AISP + PISP passported in 30 EU countries, with IBANs via Unnax (which it acquired). Payment Institution, ACPR.

Qonto SA - payment institution, ACPR n° 16958; SME business banking (accounts, cards, invoicing, expense). 600k+ clients across 8 EU countries; in-house card processor. Filed for FR banking licence (Jul 2025) to add lending. Profitable since 2023.

SBS (Sopra Banking Software, Paris, France) - global core banking, lending and financing software; rebranded SBS, formerly part of Sopra Steria, acquired by Axway (FR) Feb 2024. Unlicensed technology.

Scaleway (Paris, France; Iliad Group) - French cloud provider with data centres in France, the Netherlands and Poland; EU-native, no US parent, no CLOUD Act exposure.

Schuman Financial (FR) - issuer of EUROP euro stablecoin. EMI authorised by ACPR. Backed by RockawayX, Kraken Ventures.

Silvr (Paris, France) - revenue-based financing (RBF) for SMEs and e-commerce; one of Europe's RBF pioneers. Non-bank financing provider, registered SIREN 884 558 453 (RCS Nanterre).

Skaleet (France) - modular core banking software for digital banks and EMIs. Unlicensed technology.

SlimPay (Paris, France; founded 2009) - SEPA direct-debit specialist for recurring payments: e-mandates, payment plans, SDD Core/B2B and open-banking collections across the euro area; 2,000+ clients, offices in Paris and Madrid. Licensed payment institution (ACPR).

Société Générale-FORGE (France) - the digital-asset subsidiary of Société Générale, issuing the EURCV (euro) and USD CoinVertible stablecoins. ACPR-licensed credit institution + EMI.

Spendesk (France) - spend management with virtual and physical cards. Own Payment Institution: Spendesk Financial Services (ACPR reg 17518). PI, not EMI.

🏦 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).

Swile (Montpellier/Paris, France) - employee-benefits payment card and app (digitised meal vouchers, gifts, mobility) processing ~EUR 3bn a year; USD 200m Series D (SoftBank, 2021); card stack built on Treezor and Enfuce. Swile Payment SAS is an e-money institution authorised by the ACPR (ref 92174). Register-sourced: E-money institution (EMI), Prudential Supervisory and Resolution Authority, ref 898001672; passported to 1 EEA states.

Thales (France) - cards and payment security, including an HCE digital wallet.

🏦 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).

Trustpair (Paris, France) - vendor / third-party & B2B payment fraud prevention via bank-account verification. Software vendor.

Wakam (Paris, France) - licensed white-label insurer (B2B2C) behind many of Europe's embedded-insurance programmes: creates white-label products via its Play&Plug platform for 150+ distribution partners and 8m+ policyholders across 32 countries. A regulated insurance undertaking (ACPR-supervised) - insurance licences sit outside this catalogue's payment-licence taxonomy.

Worldline (France) - large EU acquirer and issuer processor; acquired Ingenico (2020) and runs the PAYONE JV. FCA Payment Institution authorisation (UK).

🏦 Local IBANs: FR

Xpollens (France) - BaaS / 'payments in a box' platform from Groupe BPCE (a Natixis Payments + Visa JV, 2019): white-label accounts, Visa issuing and pay-in/out, backed by the largest Visa issuer in continental Europe.

Younited (Younited S.A., France) - instant consumer credit and credit-as-a-service across FR/IT/ES/PT; acquired Helios (2025), profitable H2 2025. ECB-licensed credit institution (ACPR auth. 16488), supervised by ACPR + ECB.

Yousign (Caen, France; founded 2013) - eIDAS Qualified Trust Service Provider (QTSP) and e-signature platform offering SES, AES and QES on one API, itself the regulated party. On the EU Trusted List (French supervisor ANSSI); ISO 27001, SOC 2 Type II, GDPR with EU data residency by default.