How we verify European fintech infrastructure providers
Every provider in the catalogue is verified at source — licence type, regulator and a registry reference — not a marketing page. This is the depth G2 and Capterra don't provide, and it's the reason Fintechnologica exists.
What "verified at source" means
For each provider we record and check three things against a primary source:
- Licence type — e.g. credit institution (bank), Electronic Money Institution (EMI), Payment Institution (PI), or an unlicensed software/BYOL model.
- Regulator — the competent authority that supervises the entity (BaFin, ACPR, Bank of Lithuania, CSSF, BNB, KNF, FCA, …).
- Registry reference — a public register entry, licence number or official reference, so the claim can be independently confirmed.
We link to the regulator's register or the official source — not to the provider's own marketing copy. Where a fact could not be confirmed at source, it is not published as fact.
The three layers of sovereignty
"European" is not one yes/no flag. We separate three independent layers so a decision-maker can judge them against their own requirements:
- Data residency (EEA) — where data and the operating rail actually sit (Yes / Partial / No). This is the GDPR / CLOUD Act question.
- Origin — the company's HQ and lineage: EU core (EEA), wider Europe (European but outside the EEA — e.g. Switzerland, Serbia, Türkiye, Ukraine), UK, or US.
- Card scheme — almost all fintech card programs issue on Visa or Mastercard (US schemes); genuine European card schemes are rare and usually co-badged. We flag this honestly rather than hide it.
A provider can be European by origin while part of its rail sits outside the EEA. We surface that instead of hiding it — that transparency is the product.
What we do not claim
- We do not certify regulatory compliance, financial health or suitability for your use case — that is your due diligence (and ours, together, in the matching step).
- Listings are not ranked by payment. There is zero pay-to-rank. See our editorial & data policy.
- Status and risk notes (e.g. heightened supervision, M&A, defunct) reflect what was true at the verification date shown, from public sources. Regulatory status changes — we re-verify on a cadence.
Keeping it current — and correcting it
The catalogue carries a verification date per provider and a status/risk column we update as things change. If you spot something out of date or wrong, tell us: report a correction. Accuracy about live companies is a responsibility we take seriously.