Fintech infrastructure providers in Romania
4 verified providers headquartered in Romania - across BaaS, card issuing, IBAN, payments, KYC/KYB, crypto/MiCA and cross-border/FX. Each verified at source.
Fintech licensing and products in Romania
The official registers list 21 licensed payment, e-money and crypto firms in Romania (as of 2026-09-18): 3 e-money institutions (EMI), 18 payment institutions (PI). 1 of them belongs to a provider with a verified profile here. Browse all 21 in the European Fintech Index →
Passporting: 6 of the 21 firms licensed in Romania have notified at least one other EEA state. In the other direction, 862 firms licensed elsewhere in the EEA have notified services into Romania under an EEA passport, about 41 for every firm licensed at home. The largest groups are licensed in Lithuania (108), Malta (77), the Netherlands (76).
Products offered by the providers below: Open banking (2), Core banking (1), Payment gateway (1).
4 verified providers in Romania
At a glance (4 providers): licences: 2 PI, 1 not documented, 1 Vendor; EEA data residency: 3 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 |
|---|---|---|---|---|---|
 Finqware | PI | Yes | Open banking | 2026-06-26 | Request intro |
 FintechOS | Vendor | Yes | Core banking | 2026-06-26 | Request intro |
 NETOPIA Payments | – | Yes | Payment gateway | 2026-06-26 | Request intro |
 Salt Edge | PI | Partial | Open banking | 2026-06-25 | Request intro |