Issuer processors in Europe
52 verified European providers, ranked European-origin first (34 EU/EEA-origin). Card transaction processing - authorisation, clearing, settlement. Compare by EEA data residency, licence and regulator - each verified at source.
The issuer processor is the switch that says yes or no to every card transaction - authorisation, clearing and settlement between your programme and the scheme. It is bought, not built: certifications, scheme connections and uptime are the product, and switching later is expensive enough that processors deserve contract scrutiny early (portability, exit terms). Where processing sits in the stack - and what surrounds the card: the card programme checklist and the honest scheme map.
52 verified providers
Last source verification in this list: 2026-07-19. How we verify →
At a glance (52 providers): licences: 29 Vendor, 15 EMI, 5 PI, 2 Bank, 1 not documented; EEA data residency: 24 Yes, 19 No, 9 Partial; headquarters: 28 EU core, 11 UK, 7 US, 6 Wider Europe.
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 | HQ | Licence | EEA data | Card schemes | Also offers | Verified | Intro |
|---|---|---|---|---|---|---|---|
 Adyen | Netherlands EU core | Bank | Yes | Visa, Mastercard | Payment gateway, Card issuing software, BIN sponsor +3 | 2026-07-19 | Request intro |
 Bankart | Slovenia EU core | Vendor | Yes | – | – | 2026-06-26 | Request intro |
 Borica | Bulgaria EU core | Vendor | Yes | – | Local payment schemes | 2026-06-25 | Request intro |
 Cecabank | Spain EU core | Bank | Yes | – | BaaS, IBAN sponsor | 2026-07-19 | Request intro |
 CR2 | Ireland EU core | Vendor | Yes | – | Core banking, Card issuing software | 2026-06-26 | Request intro |
 DiPocket | Lithuania / UK EU core | EMI | Partial | Visa, Mastercard | BIN sponsor, IBAN sponsor, Card issuing software +1 | 2026-07-19 | Request intro |
 Edenred Payment Solutions | UK / Belgium EU core | EMI | Partial | Visa, Mastercard | BIN sponsor, Card issuing software, BaaS | 2026-06-26 | Request intro |
 Enfuce | Finland EU core | EMI | Yes | Visa, Mastercard | Card issuing software, BIN sponsor, Tokenization – X-Pays | 2026-06-25 | Request intro |
 Global Payments Europe | Czechia EU core | PI | Yes | – | Payment gateway | 2026-07-11 | Request intro |
 IT Card | Poland EU core | PI | Yes | Visa, Mastercard | BIN sponsor, Card issuing software, Payment gateway | 2026-06-26 | Request intro |
 JCC Payment Systems | Cyprus EU core | EMI | Yes | – | Payment gateway | 2026-06-25 | Request intro |
 Lusis Payments | France EU core | Vendor | Yes | – | – | 2026-06-26 | Request intro |
 Monext | France EU core | Vendor | Yes | – | Tokenization – X-Pays | 2026-06-26 | Request intro |
 Nexi | Italy EU core | Vendor | Yes | – | Payment gateway, Click to Pay | 2026-06-25 | Request intro |
 OpenWay | Belgium EU core | Vendor | Yes | – | Core banking | 2026-06-25 | Request intro |
 Paynetics | Bulgaria / UK EU core | EMI | Partial | Visa, Mastercard | Card issuing software, BIN sponsor, IBAN sponsor +1 | 2026-07-19 | Request intro |
 Redsys | Spain EU core | Vendor | Yes | – | Payment gateway, Local payment schemes, Click to Pay | 2026-06-26 | Request intro |
 RS2 | Malta EU core | Vendor | Yes | – | Card issuing software | 2026-06-26 | Request intro |
 SDK.finance | Lithuania EU core | Vendor | Yes | – | Core banking | 2026-06-25 | Request intro |
 SIBS | Portugal EU core | Vendor | Yes | – | Local payment schemes, Payment gateway | 2026-06-26 | Request intro |
 Silverflow | Netherlands EU core | Vendor | Yes | – | – | 2026-06-28 | Request intro |
 Tietoevry Banking | Finland EU core | Vendor | Yes | – | Core banking, Tokenization – X-Pays, Tokenization – Non-X-Pays | 2026-06-25 | Request intro |
 Transact Payments | Malta / Gibraltar EU core | EMI | Partial | Visa, Mastercard | BIN sponsor, Card issuing software, Tokenization – X-Pays | 2026-06-25 | Request intro |
 Treezor Watch | France EU core | EMI | Yes | Visa, Mastercard | Card issuing software, BIN sponsor, IBAN sponsor +2 | 2026-07-19 | Request intro |
 Valitor | Iceland EU core | PI | Yes | – | Payment gateway | 2026-07-11 | Request intro |
 Wallester | Estonia EU core | EMI | Yes | Visa, Mastercard | Card issuing software, BIN sponsor, IBAN sponsor +1 | 2026-07-19 | Request intro |
 Walletto | Lithuania EU core | EMI | Yes | Visa, Mastercard | BIN sponsor, Card issuing software | 2026-06-25 | Request intro |
 Worldline | France EU core | PI | Yes | – | Payment gateway, Tokenization – X-Pays, Click to Pay | 2026-06-25 | Request intro |
 Asseco SEE | Serbia Wider Europe | Vendor | No | – | Core banking | 2026-06-25 | Request intro |
 BKM | Turkey Wider Europe | Vendor | No | – | Local payment schemes | 2026-06-25 | Request intro |
 BPC | Switzerland Wider Europe | Vendor | No (CH) | – | Core banking | 2026-06-25 | Request intro |
 Chip Card | Serbia Wider Europe | EMI | No | – | Card issuing software | 2026-06-25 | Request intro |
 PayCore | Turkey Wider Europe | Vendor | No | – | – | 2026-06-25 | Request intro |
 Payten | Serbia Wider Europe | Vendor | No | – | Payment gateway | 2026-06-25 | Request intro |
 B4B Payments | UK / Lithuania UK | – | Partial | Mastercard | BIN sponsor, Card issuing software | 2026-06-26 | Request intro |
 Compass Plus Technologies | UK UK | Vendor | No | – | Card issuing software, Tokenization – X-Pays | 2026-06-26 | Request intro |
 Decta | UK / Cyprus / Ireland UK | EMI | Partial | Visa, Mastercard, UnionPay | Card issuing software, BIN sponsor, Payment gateway | 2026-06-25 | Request intro |
 emerchantpay | UK / Bulgaria UK | EMI | No | – | Payment gateway | 2026-06-26 | Request intro |
 Episode Six | UK / US UK | Vendor | No | – | Core banking | 2026-06-25 | Request intro |
 Manigo | UK UK | EMI | No | – | BaaS, Card issuing software | 2026-06-26 | Request intro |
 Monavate | UK / Lithuania UK | EMI | Partial | Visa, Mastercard, Discover | BIN sponsor, Card issuing software | 2026-06-25 | Request intro |
 Moorwand | UK UK | EMI | No | Mastercard, Discover, UnionPay | BIN sponsor, Card issuing software | 2026-06-25 | Request intro |
 Paymentology | UK / Global UK | Vendor | Partial | – | Card issuing software, Tokenization – X-Pays, Tokenization – Non-X-Pays | 2026-06-25 | Request intro |
 Thredd | UK UK | Vendor | No | – | – | 2026-06-25 | Request intro |
 Tribe Payments | UK UK | Vendor | No | – | Card issuing software, Tokenization – X-Pays | 2026-06-25 | Request intro |
 Fiserv | US US | PI | Partial | – | Payment gateway | 2026-07-11 | Request intro |
 Galileo | US US | Vendor | No | – | Card issuing software | 2026-06-25 | Request intro |
 Highnote | US US | Vendor | No | – | Card issuing software | 2026-06-25 | Request intro |
 i2c | US US | Vendor | No | – | Card issuing software | 2026-06-25 | Request intro |
 Lithic | US US | Vendor | No | – | Card issuing software | 2026-06-25 | Request intro |
 Marqeta | US US | Vendor | No | – | Card issuing software, Tokenization – X-Pays | 2026-06-25 | Request intro |
 Pismo | Brazil / Global US | Vendor | No | – | Core banking | 2026-06-25 | 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.
- Wirecard (Germany) - 2020-06: Filed for insolvency after EUR 1.9bn declared missing (balance-sheet fraud)
FAQ
What is issuer processing?
The authorisation, clearing and settlement engine behind a card programme - the system that says yes/no to each transaction. Fintechnologica lists 52 verified issuer processors (34 European-origin); many card-issuing platforms bundle processing, others let you bring your own.
Does the processor affect data residency?
Yes - the processor sees every card transaction, which is exactly the data GDPR/CLOUD Act buyers care about. A European processor with EEA hosting keeps the transaction stream in the EEA even when the scheme is Visa/Mastercard.