Fintech infrastructure providers in Netherlands

🏦 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).

Backbase (Netherlands; founded 2003) - Engagement Banking Platform: a digital-banking front-end / 'Banking OS' (AI-powered, 2025) powering 150+ financial institutions. Unlicensed technology / digital-banking layer.

BankingBlocks (Amsterdam, Netherlands) - wholesale BaaS for fintechs: multi-currency IBANs, payments, FX and card issuing via a modular 'blocks' API / white-label. Regulated payment institution; SEPA/SWIFT member and direct Visa/Mastercard/Cartes Bancaires acquirer. Website unreachable since at least 2026-07-12 (re-confirmed manually 2026-07-19; no Wayback snapshots); no BankingBlocks entity in the EBA PSD2 / FCA registers (golden copy 2026-07-18) - the PI claim is unverifiable, IBAN sponsor tag removed pending signs of life or official status.

Bitvavo (Amsterdam) - largest Dutch crypto exchange. AFM MiCA CASP (full ten-service authorisation, 2024-2025).

Buckaroo (Utrecht, Netherlands; founded 2005) - Dutch/Belgian PSP with 46k+ clients, 1bn+ transactions a year and 40+ payment methods; embedded SME financing via Buckaroo Capital (YouLend). DNB-registered (Buckaroo B.V.), owned by Keensight Capital.

CCV (Arnhem, Netherlands; roots to 1958) - Dutch payment-terminals and PSP group serving retailers across NL/BE/DE/CH, with a SoftPOS solution built with Rubean. NB: acquired by Fiserv (US, 2025) to expand the Clover platform in Europe - ownership flag.

CM.com (Breda, Netherlands; founded 1999; Euronext Amsterdam: CMCOM) - the 'Pay' segment provides online and in-person payments and settlement alongside messaging and ticketing; ~EUR 290m revenue.

Cobase (Amsterdam, Netherlands) - multi-bank connectivity platform (SWIFT, H2H, EBICS, API) with modular treasury features; incubated within ING Bank. NB: now part of Corpay (US) - ownership flag.

Finom (Amsterdam, Netherlands; founded 2019) - all-in-one SME financial platform: local IBANs, Visa debit, e-invoicing and accounting, plus SME lending (NL). EMI licence, DNB (2021); active in NL/FR/DE/IT/ES, 125k+ customers; Series C EUR 115m (2025).

Five Degrees (Netherlands) - cloud core banking software ('Matrix'); acquired by Topicus (TSS), Mar 2023. Rebranded Akkuro (akkuro.com).

Fourthline (Netherlands) - KYC/AML for EU regulated FIs; a regulated Payment Institution under the DNB and a trust service provider, spun out of ING.

Intersolve (Intersolve Payments B.V., Netherlands) - programmable-money infrastructure: white-label gift, loyalty and social card programmes plus the regulated foundation (licence, compliance, KYC, processing) for wallet platforms such as KUARIO. DNB-licensed EMI. Website consolidated onto intersolve.com (2026); no customer IBAN issuance documented - wallet payouts go to external bank accounts.

Mollie (Netherlands) - online payment gateway for SMEs and platforms. EMI (DNB, since Jan 2024) + UK PI (FCA FRN 977968); acquiring GoCardless (USD 1.1bn, close mid-2026).

MultiSafepay (Amsterdam, Netherlands) - payment gateway for cards and local methods (iDEAL and others). NB: acquired by Ant International / Antom (China) in Jan 2024 - non-EU owner (sovereignty flag).

Ohpen (Netherlands) - cloud core banking software for savings and investments. Unlicensed technology.

Online Payment Platform / OPP (Delft, Netherlands) - specialist PSP for marketplaces and platforms: escrow, multi-split payments, seller KYC, dispute handling and payouts; 100+ platforms including Marktplaats.nl and a partnership with PayPal. First Dutch PSP to add PSD2 payment-initiation and account-information services to its DNB licence.

PayU (Prosus group; Polish roots) - global PSP with local acquiring licences and a strong CEE / emerging-markets footprint.

Quantoz Payments BV (NL) - EMI supervised by De Nederlandsche Bank (DNB). Issues EURQ + USDQ (MiCA-authorised late 2024).

Rootline (Amsterdam, Netherlands) - payments infrastructure for SaaS platforms and marketplaces: acceptance, routing, payouts and automated reconciliation as embeddable components, built by a team from leading payments fintechs. Licensed payment institution (DNB).

Silverflow (Amsterdam, Netherlands; founded 2019) - cloud-native card processing with one direct connection to the card networks, for PSPs/acquirers/banks. Clients incl. Deutsche Bank, Bolt, payabl., Buckaroo.

Storecove (Amsterdam, Netherlands) - API-first e-invoicing: a REST API to send and receive Peppol invoices across 40+ countries, built for platforms and fintechs.

SurePay (Utrecht, Netherlands) - the European leader in IBAN-name checking: Verification of Payee (VoP) for EU banks and PSPs, UK Confirmation of Payee and Swift beneficiary verification; 250+ banks, covers 99.9% of Dutch bank accounts. VoP is mandatory for all SEPA credit transfers under the Instant Payments Regulation (eurozone deadline 9 Oct 2025; non-euro 9 Jul 2027). NB: joined FIS (US) - ownership flag.

Vermeg (Amsterdam, Netherlands; founded 1993 in Tunisia as BFI; 1,600+ staff, 550+ clients across 40 countries) - banking, capital-markets and insurance software; the Megara platform powers the Eurosystem Collateral Management System (ECMS), alongside the PALMYRA digital platform. Tunisian roots, EU HQ.

Hidden Road Partners CIV NL B.V. - AFM (NL) MiCA CASP. Digital-asset prime brokerage; acquired by Ripple (2025). US lineage.