# Fintechnologica

> Independent, sovereignty-first directory of European fintech infrastructure - BaaS, card issuing, BIN and IBAN sponsorship, payments, open banking, crypto (MiCA), KYC and more. Every provider is verified at source (licence type, regulator, registry reference). Zero pay-to-rank; neutrality is the product.

## Key facts

- 541 verified providers (355 EU/EEA-origin), across 36 product categories and 36 countries.
- Each profile shows three separate sovereignty layers: EEA data residency, company origin, and the card scheme - plus licence type, regulator and register reference.
- Licence register: 2654 register-sourced entities across the EEA and UK (1397 payment institutions, 691 e-money institutions, 217 AISPs, 349 MiCA CASPs), from the official EBA, ESMA and FCA registers.
- Data verified at source; this file was generated on 2026-09-20.

## Main sections

- [Provider catalogue](https://fintechnologica.com/): interactive filter by product, sovereignty, licence and market.
- [Digital sovereignty](https://fintechnologica.com/digital-sovereignty): what sovereignty means in fintech - the three verified layers.
- [EEA data residency](https://fintechnologica.com/eea-data-residency): the full residency guide - GDPR, CLOUD Act, DORA, and how Yes / Partial / No are verified.
- [European card schemes](https://fintechnologica.com/european-card-schemes): why fintech cards issue on Visa/Mastercard, the domestic-scheme roster, and the A2A alternative.
- [iOS NFC in the EEA](https://fintechnologica.com/ios-nfc-providers): iPhone tap-to-pay without Apple Pay (case AT.40452) and the verified providers that deliver it.
- [Guides](https://fintechnologica.com/guides): cost structures and how-to - BaaS pricing, BIN sponsorship, IBAN-as-a-service, incl. every published entry price.
- [Open data](https://fintechnologica.com/data): two CC BY 4.0 CSV downloads - the EEA/UK licence index and our verified provider index.
- Licence guides: [EMI](https://fintechnologica.com/licenses/emi-license), [PI](https://fintechnologica.com/licenses/payment-institution-license), [Banking](https://fintechnologica.com/licenses/banking-license), [MiCA](https://fintechnologica.com/licenses/mica).
- Regulator pages: [BaFin](https://fintechnologica.com/regulators/bafin), [Bank of Lithuania](https://fintechnologica.com/regulators/bank-of-lithuania), [CSSF](https://fintechnologica.com/regulators/cssf), [ACPR](https://fintechnologica.com/regulators/acpr), [BNB](https://fintechnologica.com/regulators/bnb), [KNF](https://fintechnologica.com/regulators/knf) - register rows + verified providers per supervisor.
- [Compare](https://fintechnologica.com/compare): curated side-by-side comparisons (Solaris vs Swan, Mollie vs Adyen...) - verified facts, no verdicts.
- [All providers A-Z](https://fintechnologica.com/providers): 541 verified profiles.
- [Categories](https://fintechnologica.com/categories): all product categories with verified providers.
- [Countries](https://fintechnologica.com/countries): providers by headquarters country.
- [Solutions](https://fintechnologica.com/solutions): blueprints mapping common fintech builds to the required stack.
- [European Fintech Index](https://fintechnologica.com/european-fintech-index): the register-sourced licence dataset.
- [European alternatives](https://fintechnologica.com/alternatives): sovereignty-first shortlists vs US platforms.
- [Radar](https://fintechnologica.com/radar): ownership, risk and status changes we track.
- [Insights](https://fintechnologica.com/insights): register-backed analysis.
- [How we verify](https://fintechnologica.com/how-we-verify) - methodology; [Editorial policy](https://fintechnologica.com/editorial-policy) - zero pay-to-rank.
- [Request a match](https://fintechnologica.com/request-a-match): free, human-curated shortlist of three verified providers.
- [Newsletter](https://fintechnologica.com/newsletter): monthly changes from the data - licences, ownership, status, new analyses.

## Categories

- [Agentic payments & commerce](https://fintechnologica.com/agentic-payments): 4 verified providers
- [BaaS](https://fintechnologica.com/baas-providers): 62 verified providers
- [BIN sponsor](https://fintechnologica.com/bin-sponsors): 21 verified providers
- [Card issuing software](https://fintechnologica.com/card-issuing): 74 verified providers
- [Card manufacturing & personalization](https://fintechnologica.com/card-manufacturing): 7 verified providers
- [Card-linked rewards & loyalty](https://fintechnologica.com/card-linked-rewards): 8 verified providers
- [Click to Pay](https://fintechnologica.com/click-to-pay): 6 verified providers
- [Core banking](https://fintechnologica.com/core-banking): 37 verified providers
- [Credit risk & decisioning](https://fintechnologica.com/credit-risk-decisioning): 7 verified providers
- [Cross-border payments / FX](https://fintechnologica.com/cross-border-payments): 43 verified providers
- [Crypto / digital-asset infra](https://fintechnologica.com/crypto-infrastructure): 48 verified providers
- [Digital identity & eIDAS](https://fintechnologica.com/digital-identity): 16 verified providers
- [Direct debit & recurring collections](https://fintechnologica.com/direct-debit): 3 verified providers
- [E-invoicing & tax compliance](https://fintechnologica.com/e-invoicing): 14 verified providers
- [Embedded insurance](https://fintechnologica.com/embedded-insurance): 5 verified providers
- [Fintech software development](https://fintechnologica.com/fintech-development): 8 verified providers
- [Fraud & AML monitoring](https://fintechnologica.com/fraud-aml-monitoring): 14 verified providers
- [IBAN sponsor](https://fintechnologica.com/iban-sponsors): 52 verified providers
- [Investment infrastructure](https://fintechnologica.com/investment-infrastructure): 10 verified providers
- [Issuer processing](https://fintechnologica.com/issuer-processing): 59 verified providers
- [KYC/KYB](https://fintechnologica.com/kyc-kyb-providers): 35 verified providers
- [Lending module](https://fintechnologica.com/lending-providers): 32 verified providers
- [Local payment schemes](https://fintechnologica.com/local-payment-schemes): 37 verified providers
- [Merchant of Record](https://fintechnologica.com/merchant-of-record): 4 verified providers
- [Open banking](https://fintechnologica.com/open-banking-providers): 38 verified providers
- [Payment gateway](https://fintechnologica.com/payment-gateways): 95 verified providers
- [Payment orchestration](https://fintechnologica.com/payment-orchestration): 15 verified providers
- [Payment terminals & SoftPOS](https://fintechnologica.com/payment-terminals): 7 verified providers
- [Regulatory reporting](https://fintechnologica.com/regulatory-reporting): 3 verified providers
- [Sovereign cloud & hosting](https://fintechnologica.com/sovereign-cloud): 10 verified providers
- [Spend management](https://fintechnologica.com/spend-management): 25 verified providers
- [Subscription billing](https://fintechnologica.com/subscription-billing): 5 verified providers
- [Tokenization – Non-X-Pays](https://fintechnologica.com/issuer-wallet-tokenization): 10 verified providers
- [Tokenization – X-Pays](https://fintechnologica.com/x-pays-tokenization): 18 verified providers
- [Treasury & cash management](https://fintechnologica.com/treasury-management): 7 verified providers
- [Verification of Payee](https://fintechnologica.com/verification-of-payee): 4 verified providers

## Insights

- [Who is actually getting MiCA-licensed in Europe - and why Germany's lead is not what it looks like](https://fintechnologica.com/insights/who-is-getting-mica-licensed) (2026-09-20)
- [Who issues local IBANs in Europe - the verified coverage map: 21 country codes, three big gaps](https://fintechnologica.com/insights/who-issues-local-ibans-in-europe) (2026-07-19)
- [Who really holds Europe's fintech licences - 2,654 entities, mapped](https://fintechnologica.com/insights/who-holds-europes-fintech-licences) (2026-07-12)
- [Who actually makes Europe's payment cards](https://fintechnologica.com/insights/who-makes-european-cards) (2026-06-29)
- [European MiCA stablecoins vs USDC and USDT - the sovereignty case](https://fintechnologica.com/insights/european-mica-stablecoins) (2026-06-26)

## Guides

- [BaaS pricing explained - what is published, what is negotiated](https://fintechnologica.com/guides/baas-pricing-explained) (2026-07-20)
- [How much does a BIN sponsor cost?](https://fintechnologica.com/guides/how-much-does-a-bin-sponsor-cost) (2026-07-20)
- [IBAN-as-a-service costs - the structure behind the quote](https://fintechnologica.com/guides/iban-as-a-service-cost) (2026-07-20)
- [How to get a BIN sponsor in Europe - the 7-step path](https://fintechnologica.com/guides/how-to-get-a-bin-sponsor) (2026-07-20)
- [How to choose a BaaS provider in Europe - a 7-step method](https://fintechnologica.com/guides/how-to-choose-a-baas-provider) (2026-07-20)
- [How to launch a card programme in Europe - the 7-layer checklist](https://fintechnologica.com/guides/how-to-launch-a-card-program-in-europe) (2026-07-20)
- [EMI licence vs BYOL - who holds the licence behind your product?](https://fintechnologica.com/guides/emi-license-vs-byol) (2026-07-20)

## Contact

- Corrections: https://fintechnologica.com/report-a-correction
- Providers: https://fintechnologica.com/for-providers
- Matching (buyers): https://fintechnologica.com/request-a-match
## All providers (A-Z)

- [10x Banking](https://fintechnologica.com/providers/10x-banking) - Core banking; UK; UK; EEA data: No; Licence: Vendor
- [21X](https://fintechnologica.com/providers/21x) - Crypto / digital-asset infra; Germany; EU core; EEA data: Yes; Licence: CASP
- [3S Money](https://fintechnologica.com/providers/3s-money) - Cross-border payments / FX; UK; UK; EEA data: Partial; Licence: EMI
- [Additiv](https://fintechnologica.com/providers/additiv) - Investment infrastructure; Switzerland; Wider Europe; EEA data: No (CH); Licence: Vendor
- [Advapay](https://fintechnologica.com/providers/advapay) - Core banking, BaaS; Estonia; EU core; EEA data: Yes; Licence: Vendor
- [Adyen](https://fintechnologica.com/providers/adyen) - Payment gateway, Issuer processing, Card issuing software, BIN sponsor, IBAN sponsor, Agentic payments & commerce, Click to Pay; Netherlands; EU core; EEA data: Yes; Licence: Bank
- [Aevi](https://fintechnologica.com/providers/aevi) - Payment orchestration; Germany; EU core; EEA data: Yes; Licence: Vendor
- [Agicap](https://fintechnologica.com/providers/agicap) - Treasury & cash management; France; EU core; EEA data: Yes; Licence: Vendor
- [Aiia](https://fintechnologica.com/providers/aiia) - Open banking; Denmark; EU core; EEA data: Yes; Licence: PI
- [Aion Bank](https://fintechnologica.com/providers/aion-bank) - BaaS, Core banking, Lending module; Belgium; EU core; EEA data: Yes; Licence: Bank
- [Aircash](https://fintechnologica.com/providers/aircash) - BaaS, Payment gateway; Croatia; EU core; EEA data: Yes; Licence: EMI
- [AirPlus](https://fintechnologica.com/providers/airplus) - Spend management; Germany; EU core; EEA data: Yes; Licence: PI
- [Airwallex](https://fintechnologica.com/providers/airwallex) - Cross-border payments / FX; Australia; US; EEA data: Partial; Licence: EMI
- [aixigo](https://fintechnologica.com/providers/aixigo) - Investment infrastructure; Germany; EU core; EEA data: Yes; Licence: Vendor
- [AKCENTA](https://fintechnologica.com/providers/akcenta) - Cross-border payments / FX; Czechia; EU core; EEA data: Yes; Licence: PI
- [Algoan](https://fintechnologica.com/providers/algoan) - Credit risk & decisioning, Open banking; France; EU core; EEA data: Yes; Licence: PI
- [AllSecure](https://fintechnologica.com/providers/allsecure) - Payment gateway; Serbia; Wider Europe; EEA data: No
- [AllUnity](https://fintechnologica.com/providers/allunity) - Crypto / digital-asset infra; Germany; EU core; EEA data: Yes; Licence: EMI
- [Alma](https://fintechnologica.com/providers/alma) - Lending module; France; EU core; EEA data: Yes; Licence: PI
- [Alpha Group](https://fintechnologica.com/providers/alpha-group) - Cross-border payments / FX; UK; UK; EEA data: Partial
- [Amazon Web Services (AWS)](https://fintechnologica.com/providers/amazon-web-services-aws) - Sovereign cloud & hosting; US; US; EEA data: Partial; Licence: Vendor
- [AMINA Bank](https://fintechnologica.com/providers/amina-bank) - Crypto / digital-asset infra; Switzerland; Wider Europe; EEA data: No (CH); Licence: Bank
- [AMLYZE](https://fintechnologica.com/providers/amlyze) - Fraud & AML monitoring; Lithuania; EU core; EEA data: Yes; Licence: Vendor
- [Antavo](https://fintechnologica.com/providers/antavo) - Card-linked rewards & loyalty; UK; UK; EEA data: No; Licence: Vendor
- [APEXX Global](https://fintechnologica.com/providers/apexx-global) - Payment orchestration; UK; UK; EEA data: No; Licence: Vendor
- [Aruba](https://fintechnologica.com/providers/aruba) - Sovereign cloud & hosting, Digital identity & eIDAS, E-invoicing & tax compliance; Italy; EU core; EEA data: Yes; Licence: QTSP
- [Asseco SEE](https://fintechnologica.com/providers/asseco-see) - Core banking, Issuer processing; Serbia; Wider Europe; EEA data: No; Licence: Vendor
- [A-Trust](https://fintechnologica.com/providers/a-trust) - Digital identity & eIDAS; Austria; EU core; EEA data: Yes; Licence: QTSP
- [Austriacard](https://fintechnologica.com/providers/austriacard) - Card manufacturing & personalization; Austria; EU core; EEA data: Yes; Licence: Vendor
- [Authologic](https://fintechnologica.com/providers/authologic) - KYC/KYB, Digital identity & eIDAS; Poland; EU core; EEA data: Yes; Licence: PI
- [Autopay](https://fintechnologica.com/providers/autopay) - Payment gateway, Open banking; Poland; EU core; EEA data: Yes; Licence: PI
- [Avaloq](https://fintechnologica.com/providers/avaloq) - Core banking; Switzerland; Wider Europe; EEA data: No (CH); Licence: Vendor
- [Axerve](https://fintechnologica.com/providers/axerve) - Payment gateway; Italy; EU core; EEA data: Yes; Licence: PI
- [B4B Payments](https://fintechnologica.com/providers/b4b-payments) - BIN sponsor, Card issuing software, Issuer processing; UK / Lithuania; UK; EEA data: Partial
- [Backbase](https://fintechnologica.com/providers/backbase) - Core banking; Netherlands; EU core; EEA data: Yes; Licence: Vendor
- [BANCOMAT](https://fintechnologica.com/providers/bancomat) - Local payment schemes; Italy; EU core; EEA data: Yes
- [Bancontact Payconiq Company](https://fintechnologica.com/providers/bancontact-payconiq-company) - Local payment schemes; Belgium; EU core; EEA data: Yes
- [Banfico](https://fintechnologica.com/providers/banfico) - Open banking, Verification of Payee; UK; UK; EEA data: No; Licence: PI
- [Bank Frick](https://fintechnologica.com/providers/bank-frick) - Payment gateway, BaaS, Crypto / digital-asset infra; Liechtenstein; EU core; EEA data: Yes; Licence: CASP
- [Bankable](https://fintechnologica.com/providers/bankable) - BaaS, Card issuing software; UK; UK; EEA data: No; Licence: Vendor; Status: Watch - see profile
- [Bankart](https://fintechnologica.com/providers/bankart) - Issuer processing; Slovenia; EU core; EEA data: Yes; Licence: Vendor
- [BankAxept](https://fintechnologica.com/providers/bankaxept) - Local payment schemes; Norway; EU core; EEA data: Yes
- [Banked](https://fintechnologica.com/providers/banked) - Local payment schemes, Open banking; UK; UK; EEA data: No; Licence: PI
- [Bankera](https://fintechnologica.com/providers/bankera) - BaaS, IBAN sponsor, Card issuing software; Lithuania; EU core; EEA data: Yes; Licence: EMI
- [Banking Circle](https://fintechnologica.com/providers/banking-circle) - BaaS, IBAN sponsor, Crypto / digital-asset infra, Cross-border payments / FX; Luxembourg; EU core; EEA data: Yes; Licence: Bank
- [BankingBlocks](https://fintechnologica.com/providers/bankingblocks) - BaaS; Netherlands; EU core; EEA data: Yes; Licence: PI; Status: Watch - see profile
- [Banxware](https://fintechnologica.com/providers/banxware) - Lending module; Germany; EU core; EEA data: Yes
- [Barion](https://fintechnologica.com/providers/barion) - Payment gateway, BaaS; Hungary; EU core; EEA data: Yes; Licence: EMI
- [Basware](https://fintechnologica.com/providers/basware) - E-invoicing & tax compliance; Finland; EU core; EEA data: Yes; Licence: Vendor
- [Belvo](https://fintechnologica.com/providers/belvo) - Open banking; Spain; EU core; EEA data: Yes; Licence: PI
- [Bilderlings](https://fintechnologica.com/providers/bilderlings) - IBAN sponsor, Cross-border payments / FX; UK / Latvia; UK; EEA data: No; Licence: EMI
- [Billhop](https://fintechnologica.com/providers/billhop) - Spend management; Sweden; EU core; EEA data: Yes; Licence: PI
- [Billie](https://fintechnologica.com/providers/billie) - Lending module; Germany; EU core; EEA data: Yes; Licence: Bank
- [Billingo](https://fintechnologica.com/providers/billingo) - E-invoicing & tax compliance; Hungary; EU core; EEA data: Yes; Licence: PI
- [Billit](https://fintechnologica.com/providers/billit) - E-invoicing & tax compliance; Belgium; EU core; EEA data: Yes; Licence: PI
- [Billwerk+](https://fintechnologica.com/providers/billwerk) - Subscription billing; Germany; EU core; EEA data: Yes; Licence: Vendor
- [Bink](https://fintechnologica.com/providers/bink) - Card-linked rewards & loyalty; UK; UK; EEA data: No; Licence: Vendor; Status: DEFUNCT - no longer operating, kept on record
- [Bitcoin Suisse](https://fintechnologica.com/providers/bitcoin-suisse) - Crypto / digital-asset infra; Switzerland; Wider Europe; EEA data: No (CH)
- [BitGo Europe](https://fintechnologica.com/providers/bitgo-europe) - Crypto / digital-asset infra; Germany; US; EEA data: Partial; Licence: CASP
- [Bitpanda](https://fintechnologica.com/providers/bitpanda) - Crypto / digital-asset infra; Austria; EU core; EEA data: Yes; Licence: CASP
- [Bitpanda Technology Solutions](https://fintechnologica.com/providers/bitpanda-technology-solutions) - Investment infrastructure, Crypto / digital-asset infra; Austria; EU core; EEA data: Yes; Licence: CASP
- [Bitstamp](https://fintechnologica.com/providers/bitstamp) - Crypto / digital-asset infra; Luxembourg; EU core; EEA data: Partial; Licence: CASP
- [Bitvavo](https://fintechnologica.com/providers/bitvavo) - Crypto / digital-asset infra; Netherlands; EU core; EEA data: Yes; Licence: CASP
- [Bivial (ex-Klarpay)](https://fintechnologica.com/providers/bivial-ex-klarpay) - IBAN sponsor; Switzerland; Wider Europe; EEA data: No (CH)
- [Bizum](https://fintechnologica.com/providers/bizum) - Local payment schemes; Spain; EU core; EEA data: Yes
- [BKM](https://fintechnologica.com/providers/bkm) - Local payment schemes, Issuer processing; Turkey; Wider Europe; EEA data: No; Licence: Vendor
- [Bluecode](https://fintechnologica.com/providers/bluecode) - Local payment schemes; Austria; EU core; EEA data: Yes
- [Boerse Stuttgart Digital](https://fintechnologica.com/providers/boerse-stuttgart-digital) - Crypto / digital-asset infra; Germany; EU core; EEA data: Yes; Licence: CASP
- [Boku](https://fintechnologica.com/providers/boku) - Payment gateway; UK; UK; EEA data: Partial; Licence: PI
- [Borica](https://fintechnologica.com/providers/borica) - Issuer processing, Local payment schemes; Bulgaria; EU core; EEA data: Yes; Licence: Vendor
- [BPC](https://fintechnologica.com/providers/bpc) - Core banking, Issuer processing; Switzerland; Wider Europe; EEA data: No (CH); Licence: Vendor
- [BR-DGE](https://fintechnologica.com/providers/br-dge) - Payment orchestration; UK; UK; EEA data: No
- [Bridge](https://fintechnologica.com/providers/bridge) - Open banking, Local payment schemes; France; EU core; EEA data: Yes; Licence: PI
- [Brite](https://fintechnologica.com/providers/brite) - Local payment schemes, Open banking; Sweden; EU core; EEA data: Yes; Licence: PI
- [bsurance](https://fintechnologica.com/providers/bsurance) - Embedded insurance; Austria; EU core; EEA data: Yes; Licence: Vendor
- [Buckaroo](https://fintechnologica.com/providers/buckaroo) - Payment gateway; Netherlands; EU core; EEA data: Yes
- [Bud](https://fintechnologica.com/providers/bud) - Open banking; UK; UK; EEA data: No; Licence: PI
- [BVNK](https://fintechnologica.com/providers/bvnk) - Cross-border payments / FX, Crypto / digital-asset infra; UK; UK; EEA data: Partial; Licence: EMI
- [CAB Payments](https://fintechnologica.com/providers/cab-payments) - Cross-border payments / FX; UK; UK; EEA data: Partial; Licence: Bank
- [Capital on Tap](https://fintechnologica.com/providers/capital-on-tap) - Lending module, Card issuing software; UK; UK; EEA data: No
- [Cardlay](https://fintechnologica.com/providers/cardlay) - Spend management, Card issuing software; Denmark; EU core; EEA data: Yes
- [Cardlytics](https://fintechnologica.com/providers/cardlytics) - Card-linked rewards & loyalty; US; US; EEA data: No; Licence: Vendor
- [Cardstream](https://fintechnologica.com/providers/cardstream) - Payment gateway, Payment orchestration; UK; UK; EEA data: No
- [Cashlink](https://fintechnologica.com/providers/cashlink) - Investment infrastructure, Crypto / digital-asset infra; Germany; EU core; EEA data: Yes; Licence: CASP
- [CCV](https://fintechnologica.com/providers/ccv) - Payment terminals & SoftPOS; Netherlands; EU core; EEA data: Yes; Licence: Vendor
- [Cecabank](https://fintechnologica.com/providers/cecabank) - BaaS, IBAN sponsor, Issuer processing; Spain; EU core; EEA data: Yes; Licence: Bank
- [CellPoint Digital](https://fintechnologica.com/providers/cellpoint-digital) - Payment orchestration; Denmark; EU core; EEA data: Yes
- [Chargebee](https://fintechnologica.com/providers/chargebee) - Subscription billing; US; US; EEA data: No; Licence: Vendor
- [Checkout.com](https://fintechnologica.com/providers/checkout-com) - Payment gateway, Agentic payments & commerce; UK; UK; EEA data: Partial; Licence: EMI
- [Chip Card](https://fintechnologica.com/providers/chip-card) - Issuer processing, Card issuing software; Serbia; Wider Europe; EEA data: No; Licence: EMI
- [Circle](https://fintechnologica.com/providers/circle) - Crypto / digital-asset infra; US; US; EEA data: Partial; Licence: Bank
- [Circula](https://fintechnologica.com/providers/circula) - Spend management; Germany; EU core; EEA data: Yes
- [Cleafy](https://fintechnologica.com/providers/cleafy) - Fraud & AML monitoring; Italy; EU core; EEA data: Yes; Licence: Vendor
- [Clear Junction](https://fintechnologica.com/providers/clear-junction) - IBAN sponsor, Cross-border payments / FX; UK / Netherlands; UK; EEA data: Partial; Licence: EMI
- [ClearBank](https://fintechnologica.com/providers/clearbank) - BaaS, IBAN sponsor; UK; UK; EEA data: Partial; Licence: Bank
- [Clearhaus](https://fintechnologica.com/providers/clearhaus) - Payment gateway; Denmark; EU core; EEA data: Yes; Licence: PI
- [Clearstream Digital Custody](https://fintechnologica.com/providers/clearstream-digital-custody) - Crypto / digital-asset infra; Luxembourg; EU core; EEA data: Yes; Licence: CASP
- [Cleverbridge](https://fintechnologica.com/providers/cleverbridge) - Merchant of Record; Germany; EU core; EEA data: Yes; Licence: Vendor
- [CM.com](https://fintechnologica.com/providers/cm-com) - Payment gateway; Netherlands; EU core; EEA data: Yes
- [Cobase](https://fintechnologica.com/providers/cobase) - Treasury & cash management; Netherlands; EU core; EEA data: Yes; Licence: Vendor
- [Comarch](https://fintechnologica.com/providers/comarch) - Core banking, Card-linked rewards & loyalty, E-invoicing & tax compliance; Poland; EU core; EEA data: Yes; Licence: Vendor
- [Comgate](https://fintechnologica.com/providers/comgate) - Payment gateway, Payment terminals & SoftPOS; Czechia; EU core; EEA data: Yes; Licence: PI
- [Companjon](https://fintechnologica.com/providers/companjon) - Embedded insurance; Ireland; EU core; EEA data: Yes; Licence: Vendor
- [Compass Plus Technologies](https://fintechnologica.com/providers/compass-plus-technologies) - Issuer processing, Card issuing software, Tokenization – X-Pays; UK; UK; EEA data: No; Licence: Vendor
- [ComplyAdvantage](https://fintechnologica.com/providers/complyadvantage) - KYC/KYB, Fraud & AML monitoring; UK; UK; EEA data: No; Licence: Vendor
- [ComplyCube](https://fintechnologica.com/providers/complycube) - KYC/KYB; UK; UK; EEA data: No; Licence: Vendor
- [CompoSecure](https://fintechnologica.com/providers/composecure) - Card manufacturing & personalization; US; US; EEA data: No; Licence: Vendor
- [Computop](https://fintechnologica.com/providers/computop) - Payment gateway; Germany; EU core; EEA data: Yes
- [Confirmo](https://fintechnologica.com/providers/confirmo) - Crypto / digital-asset infra; Ireland; EU core; EEA data: Yes; Licence: CASP
- [Conio](https://fintechnologica.com/providers/conio) - Crypto / digital-asset infra; Italy; EU core; EEA data: Yes; Licence: CASP
- [ConnectPay](https://fintechnologica.com/providers/connectpay) - BaaS, Card issuing software, IBAN sponsor, Open banking; Lithuania; EU core; EEA data: Yes; Licence: EMI
- [Conotoxia](https://fintechnologica.com/providers/conotoxia) - Cross-border payments / FX; Poland; EU core; EEA data: No; Status: DEFUNCT - no longer operating, kept on record
- [Convera](https://fintechnologica.com/providers/convera) - Cross-border payments / FX; US; US; EEA data: Partial; Licence: PI
- [Corefy](https://fintechnologica.com/providers/corefy) - Payment gateway, Payment orchestration; Ukraine; Wider Europe; EEA data: No
- [Corpay](https://fintechnologica.com/providers/corpay) - Cross-border payments / FX; US; US; EEA data: No
- [CorvusPay](https://fintechnologica.com/providers/corvuspay) - Payment gateway; Croatia; EU core; EEA data: Yes; Licence: PI
- [Coverflex](https://fintechnologica.com/providers/coverflex) - Spend management; Portugal; EU core; EEA data: Yes; Licence: Vendor
- [CR2](https://fintechnologica.com/providers/cr2) - Core banking, Card issuing software, Issuer processing; Ireland; EU core; EEA data: Yes; Licence: Vendor
- [Craftgate](https://fintechnologica.com/providers/craftgate) - Payment gateway; Turkey; Wider Europe; EEA data: No
- [Crassula](https://fintechnologica.com/providers/crassula) - Core banking, BaaS; UK / Estonia; UK; EEA data: No; Licence: Vendor
- [CREALOGIX](https://fintechnologica.com/providers/crealogix) - Core banking; Switzerland; Wider Europe; EEA data: No (CH); Licence: Vendor
- [Creditinfo](https://fintechnologica.com/providers/creditinfo) - Credit risk & decisioning; Iceland; EU core; EEA data: Yes; Licence: Vendor
- [CRIF](https://fintechnologica.com/providers/crif) - Credit risk & decisioning; Italy; EU core; EEA data: Yes; Licence: Vendor
- [Currencies Direct](https://fintechnologica.com/providers/currencies-direct) - Cross-border payments / FX; UK; UK; EEA data: Yes; Licence: EMI
- [Currency One](https://fintechnologica.com/providers/currency-one) - Cross-border payments / FX; Poland; EU core; EEA data: Yes; Licence: PI
- [Currencycloud](https://fintechnologica.com/providers/currencycloud) - IBAN sponsor, Cross-border payments / FX; UK; UK; EEA data: No; Licence: EMI
- [CurrencyFair](https://fintechnologica.com/providers/currencyfair) - Cross-border payments / FX; Ireland; EU core; EEA data: Yes; Licence: PI
- [Dankort](https://fintechnologica.com/providers/dankort) - Local payment schemes; Denmark; EU core; EEA data: Yes
- [Deblock](https://fintechnologica.com/providers/deblock) - Crypto / digital-asset infra; France; EU core; EEA data: Yes; Licence: CASP
- [Decta](https://fintechnologica.com/providers/decta) - Card issuing software, Issuer processing, BIN sponsor, Payment gateway; UK / Cyprus / Ireland; UK; EEA data: Partial; Licence: EMI
- [Defacto](https://fintechnologica.com/providers/defacto) - Lending module; France; EU core; EEA data: Yes
- [Devengo](https://fintechnologica.com/providers/devengo) - Payment gateway; Spain; EU core; EEA data: Yes; Licence: PI
- [DIMOCO](https://fintechnologica.com/providers/dimoco) - Payment gateway; Austria; EU core; EEA data: Yes; Licence: PI
- [Dintero](https://fintechnologica.com/providers/dintero) - Payment gateway; Norway; EU core; EEA data: Yes; Licence: PI
- [DiPocket](https://fintechnologica.com/providers/dipocket) - BIN sponsor, IBAN sponsor, Card issuing software, Issuer processing, Lending module; Lithuania / UK; EU core; EEA data: Partial; Licence: EMI
- [Dojo](https://fintechnologica.com/providers/dojo) - Payment gateway; UK / Ireland; UK; EEA data: Partial; Licence: EMI
- [D-Trust](https://fintechnologica.com/providers/d-trust) - Digital identity & eIDAS; Germany; EU core; EEA data: Yes; Licence: QTSP
- [Easypay](https://fintechnologica.com/providers/easypay) - Payment gateway; Portugal; EU core; EEA data: Yes; Licence: PI
- [Ebury](https://fintechnologica.com/providers/ebury) - IBAN sponsor, Cross-border payments / FX; Spain / UK; EU core; EEA data: Partial; Licence: EMI
- [ECOMMBX](https://fintechnologica.com/providers/ecommbx) - IBAN sponsor, BaaS, Cross-border payments / FX; Cyprus; EU core; EEA data: Yes; Licence: EMI
- [Ecommpay](https://fintechnologica.com/providers/ecommpay) - Payment gateway; UK; UK; EEA data: Yes; Licence: EMI
- [Edenred Payment Solutions](https://fintechnologica.com/providers/edenred-payment-solutions) - BIN sponsor, Card issuing software, BaaS, Issuer processing; UK / Belgium; EU core; EEA data: Partial; Licence: EMI
- [EDICOM](https://fintechnologica.com/providers/edicom) - E-invoicing & tax compliance; Spain; EU core; EEA data: Yes; Licence: Vendor
- [Elavon](https://fintechnologica.com/providers/elavon) - Payment gateway; US; US; EEA data: Partial; Licence: Bank
- [ELEKS](https://fintechnologica.com/providers/eleks) - Fintech software development; Ukraine; Wider Europe; EEA data: No; Licence: Vendor
- [Element Insurance](https://fintechnologica.com/providers/element-insurance) - Embedded insurance; Germany; EU core; EEA data: Yes; Status: DEFUNCT - no longer operating, kept on record
- [Embat](https://fintechnologica.com/providers/embat) - Treasury & cash management; Spain; EU core; EEA data: Yes; Licence: Vendor
- [emerchantpay](https://fintechnologica.com/providers/emerchantpay) - Payment gateway, Issuer processing; UK / Bulgaria; UK; EEA data: No; Licence: EMI
- [Enable Banking](https://fintechnologica.com/providers/enable-banking) - Open banking; Finland; EU core; EEA data: Yes; Licence: PI
- [Encompass Corporation](https://fintechnologica.com/providers/encompass-corporation) - KYC/KYB; UK; UK; EEA data: No; Licence: Vendor
- [Endava](https://fintechnologica.com/providers/endava) - Fintech software development; UK; UK; EEA data: Yes; Licence: Vendor
- [Enfuce](https://fintechnologica.com/providers/enfuce) - Card issuing software, BIN sponsor, Issuer processing, Tokenization – X-Pays; Finland; EU core; EEA data: Yes; Licence: EMI
- [Engine by Starling](https://fintechnologica.com/providers/engine-by-starling) - Core banking; UK; UK; EEA data: No; Licence: Vendor
- [Entrust](https://fintechnologica.com/providers/entrust) - Tokenization – X-Pays, Tokenization – Non-X-Pays, KYC/KYB; US; US; EEA data: Partial; Licence: Vendor
- [Epassi](https://fintechnologica.com/providers/epassi) - Spend management; Finland; EU core; EEA data: Yes; Licence: PI
- [EPI Company (Wero)](https://fintechnologica.com/providers/epi-company-wero) - Local payment schemes; Belgium / Pan-EU; EU core; EEA data: Yes
- [Episode Six](https://fintechnologica.com/providers/episode-six) - Issuer processing, Core banking; UK / US; UK; EEA data: No; Licence: Vendor
- [Equals Money](https://fintechnologica.com/providers/equals-money) - Card issuing software, BIN sponsor, Cross-border payments / FX; UK; UK; EEA data: No; Licence: EMI
- [e-racuni](https://fintechnologica.com/providers/e-racuni) - E-invoicing & tax compliance; Slovenia; EU core; EEA data: Yes; Licence: Vendor
- [Eurowag](https://fintechnologica.com/providers/eurowag) - Spend management; Czechia; EU core; EEA data: Yes; Licence: EMI
- [EveryPay](https://fintechnologica.com/providers/everypay) - Payment gateway; Greece; EU core; EEA data: Yes; Licence: EMI
- [Evrotrust](https://fintechnologica.com/providers/evrotrust) - Digital identity & eIDAS; Bulgaria; EU core; EEA data: Yes; Licence: QTSP
- [Exoscale](https://fintechnologica.com/providers/exoscale) - Sovereign cloud & hosting; Switzerland; Wider Europe; EEA data: No (CH); Licence: Vendor
- [Experian](https://fintechnologica.com/providers/experian) - Credit risk & decisioning; UK; UK; EEA data: Partial; Licence: PI
- [Fabrick](https://fintechnologica.com/providers/fabrick) - BaaS, Open banking, IBAN sponsor; Italy; EU core; EEA data: Yes; Licence: PI
- [FastSpring](https://fintechnologica.com/providers/fastspring) - Merchant of Record; US; US; EEA data: Partial; Licence: Vendor
- [Featurespace](https://fintechnologica.com/providers/featurespace) - Fraud & AML monitoring; UK; UK; EEA data: No; Licence: Vendor
- [Feedzai](https://fintechnologica.com/providers/feedzai) - Fraud & AML monitoring; Portugal; EU core; EEA data: Yes; Licence: Vendor
- [Fenige](https://fintechnologica.com/providers/fenige) - Card issuing software, Issuer processing; Poland; EU core; EEA data: Yes; Licence: PI
- [Fexco](https://fintechnologica.com/providers/fexco) - Cross-border payments / FX; Ireland; EU core; EEA data: Yes; Licence: PI
- [Fiat Republic](https://fintechnologica.com/providers/fiat-republic) - Crypto / digital-asset infra; UK; UK; EEA data: Partial; Licence: CASP
- [Fidel API](https://fintechnologica.com/providers/fidel-api) - Card-linked rewards & loyalty; UK; UK; EEA data: No; Licence: Vendor
- [Fidoo](https://fintechnologica.com/providers/fidoo) - Spend management; Czechia; EU core; EEA data: Yes; Licence: PI
- [finAPI](https://fintechnologica.com/providers/finapi) - Open banking; Germany; EU core; EEA data: Yes; Licence: PI
- [Finastra](https://fintechnologica.com/providers/finastra) - Core banking, Lending module; UK; UK; EEA data: No; Licence: Vendor
- [Findity](https://fintechnologica.com/providers/findity) - Spend management; Sweden; EU core; EEA data: Yes
- [Fininbox](https://fintechnologica.com/providers/fininbox) - BaaS, Core banking; Lithuania; EU core; EEA data: Yes; Licence: Vendor
- [finmid](https://fintechnologica.com/providers/finmid) - Lending module; Germany; EU core; EEA data: Yes
- [Finom](https://fintechnologica.com/providers/finom) - Spend management, Lending module; Netherlands; EU core; EEA data: Yes; Licence: EMI
- [Finqware](https://fintechnologica.com/providers/finqware) - Open banking; Romania; EU core; EEA data: Yes; Licence: PI
- [FintechOS](https://fintechnologica.com/providers/fintechos) - Core banking; Romania; EU core; EEA data: Yes; Licence: Vendor
- [Fintecture](https://fintechnologica.com/providers/fintecture) - Open banking, Local payment schemes; France; EU core; EEA data: Yes; Licence: PI
- [Fipto](https://fintechnologica.com/providers/fipto) - Crypto / digital-asset infra; France; EU core; EEA data: Yes; Licence: CASP
- [Fire](https://fintechnologica.com/providers/fire) - BaaS, IBAN sponsor, Card issuing software; Ireland; EU core; EEA data: Yes; Licence: PI
- [Fireblocks](https://fintechnologica.com/providers/fireblocks) - Crypto / digital-asset infra; US; US; EEA data: No; Licence: CASP
- [Fiserv](https://fintechnologica.com/providers/fiserv) - Payment gateway, Issuer processing; US; US; EEA data: Partial; Licence: PI
- [Five Degrees](https://fintechnologica.com/providers/five-degrees) - Core banking; Netherlands; EU core; EEA data: Yes; Licence: Vendor
- [Fondy](https://fintechnologica.com/providers/fondy) - Payment gateway; Ukraine / UK; Wider Europe; EEA data: No; Status: Risk - see profile
- [Fourthline](https://fintechnologica.com/providers/fourthline) - KYC/KYB; Netherlands; EU core; EEA data: Yes; Licence: PI
- [FullCircl](https://fintechnologica.com/providers/fullcircl) - KYC/KYB; UK; UK; EEA data: Partial; Licence: Vendor
- [Fundment](https://fintechnologica.com/providers/fundment) - Investment infrastructure; UK; UK; EEA data: No; Licence: PI
- [Future Processing](https://fintechnologica.com/providers/future-processing) - Fintech software development; Poland; EU core; EEA data: Yes; Licence: Vendor
- [Fyorin](https://fintechnologica.com/providers/fyorin) - Cross-border payments / FX; Malta; EU core; EEA data: Yes; Licence: PI
- [Galileo](https://fintechnologica.com/providers/galileo) - Card issuing software, Issuer processing; US; US; EEA data: No; Licence: Vendor
- [Genome](https://fintechnologica.com/providers/genome) - BaaS, IBAN sponsor, Card issuing software, Cross-border payments / FX; Lithuania; EU core; EEA data: Yes; Licence: EMI
- [Getnet Europe](https://fintechnologica.com/providers/getnet-europe) - Payment gateway; Spain; EU core; EEA data: Yes; Licence: PI
- [Getswish (Swish)](https://fintechnologica.com/providers/getswish-swish) - Local payment schemes; Sweden; EU core; EEA data: Yes
- [GFT Technologies](https://fintechnologica.com/providers/gft-technologies) - Fintech software development; Germany; EU core; EEA data: Yes; Licence: Vendor
- [Giesecke+Devrient](https://fintechnologica.com/providers/giesecke-devrient) - Tokenization – X-Pays, Tokenization – Non-X-Pays, Card issuing software, Card manufacturing & personalization; Germany; EU core; EEA data: Yes; Licence: Vendor
- [girocard](https://fintechnologica.com/providers/girocard) - Local payment schemes; Germany; EU core; EEA data: Yes
- [Global Payments Europe](https://fintechnologica.com/providers/global-payments-europe) - Issuer processing, Payment gateway; Czechia; EU core; EEA data: Yes; Licence: PI
- [GoCardless](https://fintechnologica.com/providers/gocardless) - Open banking, Local payment schemes, Payment gateway, Direct debit & recurring collections; UK; UK; EEA data: No; Licence: PI
- [GoCrypto](https://fintechnologica.com/providers/gocrypto) - Crypto / digital-asset infra; Slovenia; EU core; EEA data: Yes
- [GoPay](https://fintechnologica.com/providers/gopay) - Payment gateway; Czechia; EU core; EEA data: Yes; Licence: EMI
- [Gr4vy](https://fintechnologica.com/providers/gr4vy) - Payment orchestration; US; US; EEA data: No; Licence: Vendor
- [Griffin](https://fintechnologica.com/providers/griffin) - BaaS, IBAN sponsor; UK; UK; EEA data: No; Licence: Bank
- [Groupement Cartes Bancaires (CB)](https://fintechnologica.com/providers/groupement-cartes-bancaires-cb) - Local payment schemes; France; EU core; EEA data: Yes
- [Hauck Aufhäuser Digital Custody](https://fintechnologica.com/providers/hauck-aufhauser-digital-custody) - Crypto / digital-asset infra; Germany; EU core; EEA data: Yes; Licence: CASP
- [Hawk AI](https://fintechnologica.com/providers/hawk-ai) - Fraud & AML monitoring; Germany; EU core; EEA data: Yes; Licence: Vendor
- [Hetzner](https://fintechnologica.com/providers/hetzner) - Sovereign cloud & hosting; Germany; EU core; EEA data: Yes; Licence: Vendor
- [Hidden Road](https://fintechnologica.com/providers/hidden-road) - Crypto / digital-asset infra; Netherlands; US; EEA data: Partial; Licence: CASP
- [Highnote](https://fintechnologica.com/providers/highnote) - Card issuing software, Issuer processing; US; US; EEA data: No; Licence: Vendor
- [HiPay](https://fintechnologica.com/providers/hipay) - Payment gateway, Click to Pay; France; EU core; EEA data: Yes
- [Hokodo](https://fintechnologica.com/providers/hokodo) - Lending module; UK / France; UK; EEA data: Partial; Status: DEFUNCT - no longer operating, kept on record
- [i2c](https://fintechnologica.com/providers/i2c) - Issuer processing, Card issuing software; US; US; EEA data: No; Licence: Vendor
- [iBanFirst](https://fintechnologica.com/providers/ibanfirst) - IBAN sponsor, Cross-border payments / FX; Belgium; EU core; EEA data: Yes; Licence: PI
- [Iberpay](https://fintechnologica.com/providers/iberpay) - Local payment schemes; Spain; EU core; EEA data: Yes
- [iCard](https://fintechnologica.com/providers/icard) - BaaS, Card issuing software, IBAN sponsor; Bulgaria; EU core; EEA data: Yes; Licence: EMI
- [IDEMIA](https://fintechnologica.com/providers/idemia) - Tokenization – X-Pays, Tokenization – Non-X-Pays, Card issuing software, Card manufacturing & personalization; France; EU core; EEA data: Yes; Licence: Vendor
- [iDenfy](https://fintechnologica.com/providers/idenfy) - KYC/KYB; Lithuania; EU core; EEA data: Yes; Licence: Vendor
- [IDnow](https://fintechnologica.com/providers/idnow) - KYC/KYB, Digital identity & eIDAS; Germany; EU core; EEA data: Yes; Licence: Vendor
- [ID-Pal](https://fintechnologica.com/providers/id-pal) - KYC/KYB; Ireland; EU core; EEA data: Yes; Licence: Vendor
- [IDT Financial Services](https://fintechnologica.com/providers/idt-financial-services) - BIN sponsor, Card issuing software; Gibraltar; US; EEA data: No
- [Ifthenpay](https://fintechnologica.com/providers/ifthenpay) - Payment gateway; Portugal; EU core; EEA data: Yes; Licence: PI
- [Inespay](https://fintechnologica.com/providers/inespay) - Open banking, Local payment schemes; Spain; EU core; EEA data: Yes; Licence: PI
- [InfoCert](https://fintechnologica.com/providers/infocert) - KYC/KYB, Digital identity & eIDAS; Italy; EU core; EEA data: Yes; Licence: QTSP
- [Ingenico](https://fintechnologica.com/providers/ingenico) - Payment terminals & SoftPOS; France; EU core; EEA data: Yes; Licence: Vendor
- [Innovatrics](https://fintechnologica.com/providers/innovatrics) - KYC/KYB; Slovakia; EU core; EEA data: Yes; Licence: Vendor
- [Inpay](https://fintechnologica.com/providers/inpay) - Cross-border payments / FX; Denmark; EU core; EEA data: Yes; Licence: PI
- [Intellias](https://fintechnologica.com/providers/intellias) - Fintech software development; Ukraine; Wider Europe; EEA data: No; Licence: Vendor
- [Intergiro](https://fintechnologica.com/providers/intergiro) - BaaS, Card issuing software; Sweden; EU core; EEA data: Yes; Licence: EMI; Status: DEFUNCT - no longer operating, kept on record
- [Intersolve](https://fintechnologica.com/providers/intersolve) - Card issuing software, BaaS; Netherlands; EU core; EEA data: Yes; Licence: EMI
- [InvestSuite](https://fintechnologica.com/providers/investsuite) - Investment infrastructure; Belgium; EU core; EEA data: Yes; Licence: Vendor
- [INZMO](https://fintechnologica.com/providers/inzmo) - Embedded insurance; Germany; EU core; EEA data: Yes; Licence: Vendor
- [IONOS](https://fintechnologica.com/providers/ionos) - Sovereign cloud & hosting; Germany; EU core; EEA data: Yes; Licence: Vendor
- [iProov](https://fintechnologica.com/providers/iproov) - KYC/KYB, Digital identity & eIDAS; UK; UK; EEA data: No; Licence: Vendor
- [ISX Financial](https://fintechnologica.com/providers/isx-financial) - Payment gateway; Cyprus; EU core; EEA data: Yes; Licence: EMI; Status: Risk - see profile
- [IT Card](https://fintechnologica.com/providers/it-card) - Issuer processing, BIN sponsor, Card issuing software, Payment gateway; Poland; EU core; EEA data: Yes; Licence: PI
- [itsme](https://fintechnologica.com/providers/itsme) - Digital identity & eIDAS; Belgium; EU core; EEA data: Yes; Licence: Vendor
- [Ivy (Augustus)](https://fintechnologica.com/providers/ivy-augustus) - Open banking, Local payment schemes; US; US; EEA data: Partial; Licence: PI
- [IXOPAY](https://fintechnologica.com/providers/ixopay) - Payment orchestration; Austria; EU core; EEA data: Yes
- [iyzico](https://fintechnologica.com/providers/iyzico) - Payment gateway; Turkey; Wider Europe; EEA data: No; Licence: EMI
- [Januar](https://fintechnologica.com/providers/januar) - Crypto / digital-asset infra; Denmark; EU core; EEA data: Yes; Licence: PI
- [JCC Payment Systems](https://fintechnologica.com/providers/jcc-payment-systems) - Issuer processing, Payment gateway; Cyprus; EU core; EEA data: Yes; Licence: EMI
- [Jumio](https://fintechnologica.com/providers/jumio) - KYC/KYB; US; US; EEA data: No; Licence: Vendor
- [Juni](https://fintechnologica.com/providers/juni) - Spend management, Card issuing software; Sweden; EU core; EEA data: Yes; Licence: EMI
- [Kantox](https://fintechnologica.com/providers/kantox) - Cross-border payments / FX; Spain; EU core; EEA data: Yes
- [Kevin.](https://fintechnologica.com/providers/kevin) - Open banking, Local payment schemes; Lithuania; EU core; EEA data: Yes; Licence: PI; Status: DEFUNCT - no longer operating, kept on record
- [Klarna](https://fintechnologica.com/providers/klarna) - Lending module, Card issuing software, Payment gateway; Sweden; EU core; EEA data: Yes; Licence: Bank
- [Klarna Kosma](https://fintechnologica.com/providers/klarna-kosma) - Open banking; Sweden; EU core; EEA data: Yes; Licence: PI
- [Klix](https://fintechnologica.com/providers/klix) - Payment gateway; Latvia; EU core; EEA data: Yes; Licence: Bank
- [Kontomatik](https://fintechnologica.com/providers/kontomatik) - Open banking, KYC/KYB; Poland; EU core; EEA data: Yes; Licence: PI
- [Kyriba](https://fintechnologica.com/providers/kyriba) - Treasury & cash management; US; US; EEA data: No; Licence: Vendor
- [LCX](https://fintechnologica.com/providers/lcx) - Crypto / digital-asset infra; Liechtenstein; EU core; EEA data: Yes; Licence: CASP
- [Leanpay](https://fintechnologica.com/providers/leanpay) - Lending module; Slovenia; EU core; EEA data: Yes
- [Ledger Enterprise](https://fintechnologica.com/providers/ledger-enterprise) - Crypto / digital-asset infra; France; EU core; EEA data: Yes; Licence: CASP
- [Lemon Markets](https://fintechnologica.com/providers/lemon-markets) - Investment infrastructure; Germany; EU core; EEA data: Yes
- [Lemonway](https://fintechnologica.com/providers/lemonway) - Payment gateway, IBAN sponsor, BaaS; France; EU core; EEA data: Yes; Licence: EMI
- [LHV](https://fintechnologica.com/providers/lhv) - IBAN sponsor, BaaS; Estonia; EU core; EEA data: Yes; Licence: Bank
- [Liberis](https://fintechnologica.com/providers/liberis) - Lending module; UK; UK; EEA data: No
- [Lithic](https://fintechnologica.com/providers/lithic) - Card issuing software, Issuer processing; US; US; EEA data: No; Licence: Vendor
- [Lleida.net](https://fintechnologica.com/providers/lleida-net) - KYC/KYB; Spain; EU core; EEA data: Yes; Licence: Vendor
- [Lucinity](https://fintechnologica.com/providers/lucinity) - Fraud & AML monitoring; Iceland; EU core; EEA data: Yes; Licence: Vendor
- [Lusis Payments](https://fintechnologica.com/providers/lusis-payments) - Issuer processing; France; EU core; EEA data: Yes; Licence: Vendor
- [Lusopay](https://fintechnologica.com/providers/lusopay) - Payment gateway; Portugal; EU core; EEA data: Yes; Licence: PI
- [LUXHUB](https://fintechnologica.com/providers/luxhub) - Open banking, Verification of Payee; Luxembourg; EU core; EEA data: Yes; Licence: PI
- [Lyra Network](https://fintechnologica.com/providers/lyra-network) - Payment gateway; France; EU core; EEA data: Yes
- [Mambu](https://fintechnologica.com/providers/mambu) - Core banking, Lending module; Germany; EU core; EEA data: Yes; Licence: Vendor
- [Mangopay](https://fintechnologica.com/providers/mangopay) - BaaS, IBAN sponsor, Card issuing software, Payment gateway; Luxembourg; EU core; EEA data: Yes; Licence: EMI
- [Manigo](https://fintechnologica.com/providers/manigo) - BaaS, Card issuing software, Issuer processing; UK; UK; EEA data: No; Licence: EMI
- [Market Pay](https://fintechnologica.com/providers/market-pay) - Payment gateway, Issuer processing; France; EU core; EEA data: Yes; Licence: Vendor
- [Marqeta](https://fintechnologica.com/providers/marqeta) - Card issuing software, Issuer processing, Tokenization – X-Pays; US; US; EEA data: No; Licence: Vendor
- [MarTrust](https://fintechnologica.com/providers/martrust) - Cross-border payments / FX; UK; UK; EEA data: Yes; Licence: EMI
- [Mazepay](https://fintechnologica.com/providers/mazepay) - Spend management; Denmark; EU core; EEA data: Yes; Licence: PI
- [Mbanq](https://fintechnologica.com/providers/mbanq) - Core banking, BaaS; Germany / US; US; EEA data: Partial
- [MeaWallet](https://fintechnologica.com/providers/meawallet) - Tokenization – X-Pays, Tokenization – Non-X-Pays; Norway; EU core; EEA data: Yes; Licence: Vendor
- [Medius](https://fintechnologica.com/providers/medius) - Spend management; Sweden; EU core; EEA data: Yes; Licence: Vendor
- [Membrane Finance](https://fintechnologica.com/providers/membrane-finance) - Crypto / digital-asset infra; Finland; EU core; EEA data: Yes; Licence: EMI; Status: Watch - see profile
- [Meniga](https://fintechnologica.com/providers/meniga) - Core banking; Iceland; EU core; EEA data: Yes; Licence: Vendor
- [Metaco](https://fintechnologica.com/providers/metaco) - Crypto / digital-asset infra; Switzerland; Wider Europe; EEA data: No (CH); Licence: CASP; Status: Watch - see profile
- [Mobilexpense](https://fintechnologica.com/providers/mobilexpense) - Spend management; Belgium; EU core; EEA data: Yes
- [Modulr](https://fintechnologica.com/providers/modulr) - Card issuing software, IBAN sponsor, BaaS; UK / Netherlands; UK; EEA data: Partial; Licence: EMI
- [Moka United](https://fintechnologica.com/providers/moka-united) - Payment gateway; Turkey; Wider Europe; EEA data: No
- [Mollie](https://fintechnologica.com/providers/mollie) - Payment gateway; Netherlands; EU core; EEA data: Yes; Licence: EMI
- [Monavate](https://fintechnologica.com/providers/monavate) - BIN sponsor, Card issuing software, Issuer processing; UK / Lithuania; UK; EEA data: Partial; Licence: EMI
- [Mondu](https://fintechnologica.com/providers/mondu) - Lending module; Germany; EU core; EEA data: Yes
- [MONEI](https://fintechnologica.com/providers/monei) - Payment gateway; Spain; EU core; EEA data: Yes; Licence: PI
- [Monerium](https://fintechnologica.com/providers/monerium) - Crypto / digital-asset infra; Iceland; EU core; EEA data: Yes; Licence: CASP
- [Monext](https://fintechnologica.com/providers/monext) - Issuer processing, Tokenization – X-Pays; France; EU core; EEA data: Yes; Licence: Vendor
- [Monri](https://fintechnologica.com/providers/monri) - Payment gateway; Croatia; EU core; EEA data: Yes; Licence: Vendor
- [Montonio](https://fintechnologica.com/providers/montonio) - Payment gateway, Open banking; Estonia; EU core; EEA data: Yes; Licence: PI
- [Mooncard](https://fintechnologica.com/providers/mooncard) - Spend management; France; EU core; EEA data: Yes; Licence: EMI
- [Mooney](https://fintechnologica.com/providers/mooney) - Local payment schemes; Italy; EU core; EEA data: Yes; Licence: EMI
- [MoonPay](https://fintechnologica.com/providers/moonpay) - Crypto / digital-asset infra; US; US; EEA data: Partial; Licence: CASP
- [Moonrise](https://fintechnologica.com/providers/moonrise) - BaaS, IBAN sponsor; Denmark; EU core; EEA data: Yes; Licence: Bank
- [Moorwand](https://fintechnologica.com/providers/moorwand) - BIN sponsor, Issuer processing, Card issuing software; UK; UK; EEA data: No; Licence: EMI
- [Moss](https://fintechnologica.com/providers/moss) - Spend management; Germany; EU core; EEA data: Yes
- [Muinmos](https://fintechnologica.com/providers/muinmos) - KYC/KYB; Denmark; EU core; EEA data: Yes; Licence: Vendor
- [MultiSafepay](https://fintechnologica.com/providers/multisafepay) - Payment gateway; Netherlands; EU core; EEA data: Yes
- [myPOS](https://fintechnologica.com/providers/mypos) - Payment gateway, Card issuing software; Bulgaria / UK; EU core; EEA data: Partial; Licence: EMI
- [Namirial](https://fintechnologica.com/providers/namirial) - KYC/KYB, Digital identity & eIDAS; Italy; EU core; EEA data: Yes; Licence: QTSP
- [Napier AI](https://fintechnologica.com/providers/napier-ai) - Fraud & AML monitoring; UK; UK; EEA data: No; Licence: Vendor
- [Narvi](https://fintechnologica.com/providers/narvi) - IBAN sponsor, BaaS; Finland; EU core; EEA data: Yes; Licence: EMI
- [Natech](https://fintechnologica.com/providers/natech) - Core banking, BaaS; Greece; EU core; EEA data: Yes; Licence: Vendor
- [NatWest Boxed](https://fintechnologica.com/providers/natwest-boxed) - BaaS, Card issuing software; UK; UK; EEA data: No; Licence: Bank; Status: Watch - see profile
- [Navro](https://fintechnologica.com/providers/navro) - Cross-border payments / FX, Payment orchestration; UK; UK; EEA data: Yes; Licence: EMI
- [Neonomics](https://fintechnologica.com/providers/neonomics) - Open banking, Local payment schemes; Norway; EU core; EEA data: Yes; Licence: PI
- [Netcetera](https://fintechnologica.com/providers/netcetera) - Tokenization – X-Pays, Tokenization – Non-X-Pays; Switzerland; Wider Europe; EEA data: No (CH); Licence: Vendor
- [Netcompany](https://fintechnologica.com/providers/netcompany) - Fintech software development; Denmark; EU core; EEA data: Yes; Licence: Vendor
- [Netguru](https://fintechnologica.com/providers/netguru) - Fintech software development; Poland; EU core; EEA data: Yes; Licence: Vendor
- [NETOPIA Payments](https://fintechnologica.com/providers/netopia-payments) - Payment gateway; Romania; EU core; EEA data: Yes
- [Nexi](https://fintechnologica.com/providers/nexi) - Payment gateway, Issuer processing, Click to Pay; Italy; EU core; EEA data: Yes; Licence: Vendor
- [Nexpay](https://fintechnologica.com/providers/nexpay) - BaaS, IBAN sponsor, Cross-border payments / FX; Lithuania; EU core; EEA data: Yes; Licence: EMI
- [Nexway](https://fintechnologica.com/providers/nexway) - Merchant of Record; France; EU core; EEA data: Yes; Licence: Vendor
- [Nitrobox](https://fintechnologica.com/providers/nitrobox) - Subscription billing; Germany; EU core; EEA data: Yes; Licence: Vendor
- [Nium](https://fintechnologica.com/providers/nium) - Card issuing software, IBAN sponsor, Cross-border payments / FX; UK / Singapore; UK; EEA data: Partial; Licence: EMI
- [Noda](https://fintechnologica.com/providers/noda) - Open banking, Local payment schemes; UK / EU; UK; EEA data: Partial; Licence: PI
- [NoFrixion](https://fintechnologica.com/providers/nofrixion) - BaaS; Ireland; EU core; EEA data: Yes; Licence: EMI
- [Nomentia](https://fintechnologica.com/providers/nomentia) - Treasury & cash management; Finland; EU core; EEA data: Yes; Licence: Vendor
- [Nordigen](https://fintechnologica.com/providers/nordigen) - Open banking; Latvia; EU core; EEA data: Yes; Licence: PI
- [NorthRow](https://fintechnologica.com/providers/northrow) - KYC/KYB; UK; UK; EEA data: Partial; Licence: Vendor
- [Northstake](https://fintechnologica.com/providers/northstake) - Crypto / digital-asset infra; Denmark; EU core; EEA data: Yes; Licence: CASP
- [Numeral](https://fintechnologica.com/providers/numeral) - Core banking; France; EU core; EEA data: Yes; Licence: Vendor
- [Nuvei](https://fintechnologica.com/providers/nuvei) - Payment gateway; Canada; US; EEA data: No; Licence: CASP
- [October](https://fintechnologica.com/providers/october) - Lending module; France; EU core; EEA data: Yes; Status: Watch - see profile
- [Ohpen](https://fintechnologica.com/providers/ohpen) - Core banking; Netherlands; EU core; EEA data: Yes; Licence: Vendor
- [Okali](https://fintechnologica.com/providers/okali) - BaaS, IBAN sponsor, Card issuing software; France; EU core; EEA data: Yes; Licence: EMI
- [Ondato](https://fintechnologica.com/providers/ondato) - KYC/KYB; Lithuania; EU core; EEA data: Yes; Licence: Vendor
- [Onfido](https://fintechnologica.com/providers/onfido) - KYC/KYB; UK; UK; EEA data: No; Licence: Vendor
- [Online Payment Platform](https://fintechnologica.com/providers/online-payment-platform) - Payment gateway; Netherlands; EU core; EEA data: Yes; Licence: PI
- [Open Loyalty](https://fintechnologica.com/providers/open-loyalty) - Card-linked rewards & loyalty; Poland; EU core; EEA data: Yes; Licence: Vendor
- [Open Payments](https://fintechnologica.com/providers/open-payments) - Open banking; Sweden; EU core; EEA data: Yes; Licence: PI
- [Open Telekom Cloud](https://fintechnologica.com/providers/open-telekom-cloud) - Sovereign cloud & hosting; Germany; EU core; EEA data: Yes; Licence: Vendor
- [OpenPayd](https://fintechnologica.com/providers/openpayd) - IBAN sponsor, BaaS, Cross-border payments / FX; UK / Malta; UK; EEA data: Partial; Licence: EMI
- [OpenWay](https://fintechnologica.com/providers/openway) - Issuer processing, Core banking; Belgium; EU core; EEA data: Yes; Licence: Vendor
- [Opyn](https://fintechnologica.com/providers/opyn) - Lending module; Italy; EU core; EEA data: Yes
- [OVHcloud](https://fintechnologica.com/providers/ovhcloud) - Sovereign cloud & hosting; France; EU core; EEA data: Yes; Licence: Vendor
- [Ozone API](https://fintechnologica.com/providers/ozone-api) - Open banking; UK; UK; EEA data: No; Licence: PI
- [Paddle](https://fintechnologica.com/providers/paddle) - Merchant of Record; UK; UK; EEA data: No; Licence: Vendor
- [Pagero](https://fintechnologica.com/providers/pagero) - E-invoicing & tax compliance; Sweden; EU core; EEA data: Yes; Licence: Vendor
- [PagoPA](https://fintechnologica.com/providers/pagopa) - Local payment schemes; Italy; EU core; EEA data: Yes
- [Papara](https://fintechnologica.com/providers/papara) - Payment gateway, Card issuing software; Turkey; Wider Europe; EEA data: No; Licence: EMI; Status: Risk - see profile
- [Papaya Ltd](https://fintechnologica.com/providers/papaya-ltd) - IBAN sponsor, Card issuing software, BaaS; Malta; EU core; EEA data: Yes; Licence: EMI
- [Paragon ID](https://fintechnologica.com/providers/paragon-id) - Card manufacturing & personalization; France; EU core; EEA data: Yes; Licence: Vendor
- [Param](https://fintechnologica.com/providers/param) - BaaS, Card issuing software, Payment gateway; Turkey; Wider Europe; EEA data: No; Licence: EMI
- [Paxos Issuance Europe](https://fintechnologica.com/providers/paxos-issuance-europe) - Crypto / digital-asset infra; Finland; US; EEA data: Partial; Licence: EMI
- [payabl.](https://fintechnologica.com/providers/payabl) - Payment gateway, IBAN sponsor, Issuer processing, Payment orchestration; Cyprus; EU core; EEA data: Yes; Licence: EMI
- [Paycell](https://fintechnologica.com/providers/paycell) - Payment gateway; Turkey; Wider Europe; EEA data: No; Licence: EMI
- [PayCenter](https://fintechnologica.com/providers/paycenter) - IBAN sponsor, Card issuing software, BaaS; Germany; EU core; EEA data: Yes; Licence: EMI
- [PAYCOMET](https://fintechnologica.com/providers/paycomet) - Payment gateway; Spain; EU core; EEA data: Yes; Licence: PI
- [PayCore](https://fintechnologica.com/providers/paycore) - Issuer processing; Turkey; Wider Europe; EEA data: No; Licence: Vendor
- [Payhawk](https://fintechnologica.com/providers/payhawk) - Spend management; Bulgaria / UK; EU core; EEA data: Partial; Licence: EMI
- [Paymentology](https://fintechnologica.com/providers/paymentology) - Issuer processing, Card issuing software, Tokenization – X-Pays, Tokenization – Non-X-Pays; UK / Global; UK; EEA data: Partial; Licence: Vendor
- [Paynetics](https://fintechnologica.com/providers/paynetics) - Card issuing software, BIN sponsor, IBAN sponsor, BaaS, Issuer processing; Bulgaria / UK; EU core; EEA data: Partial; Licence: EMI
- [Paynovate](https://fintechnologica.com/providers/paynovate) - BIN sponsor, Card issuing software, BaaS; Belgium; EU core; EEA data: Yes; Licence: EMI
- [PAYONE](https://fintechnologica.com/providers/payone) - Payment gateway; Germany; EU core; EEA data: Yes
- [Payoneer](https://fintechnologica.com/providers/payoneer) - Cross-border payments / FX; US; US; EEA data: No
- [Payout](https://fintechnologica.com/providers/payout) - Payment gateway; Slovakia; EU core; EEA data: Yes; Licence: PI
- [PayPal](https://fintechnologica.com/providers/paypal) - Payment gateway; US; US; EEA data: Partial; Licence: Bank
- [Payplug](https://fintechnologica.com/providers/payplug) - Payment gateway; France; EU core; EEA data: Yes; Licence: PI
- [Payrails](https://fintechnologica.com/providers/payrails) - Payment orchestration; Germany; EU core; EEA data: Yes; Licence: Vendor
- [Paysafe](https://fintechnologica.com/providers/paysafe) - Payment gateway, Card issuing software; UK / Ireland; UK; EEA data: Partial; Licence: EMI
- [Paysend](https://fintechnologica.com/providers/paysend) - Cross-border payments / FX; UK; UK; EEA data: Partial; Licence: EMI
- [Paysera](https://fintechnologica.com/providers/paysera) - BaaS, IBAN sponsor, Card issuing software, Payment gateway, Cross-border payments / FX; Lithuania; EU core; EEA data: Yes; Licence: EMI
- [Payset](https://fintechnologica.com/providers/payset) - IBAN sponsor, Cross-border payments / FX; UK; UK; EEA data: No; Licence: EMI
- [Payten](https://fintechnologica.com/providers/payten) - Payment gateway, Issuer processing; Serbia; Wider Europe; EEA data: No; Licence: Vendor
- [PayU](https://fintechnologica.com/providers/payu) - Payment gateway; Netherlands / Poland; EU core; EEA data: Yes
- [Pecunpay](https://fintechnologica.com/providers/pecunpay) - Card issuing software, BIN sponsor, IBAN sponsor, BaaS; Spain; EU core; EEA data: Yes; Licence: EMI
- [Pennylane](https://fintechnologica.com/providers/pennylane) - E-invoicing & tax compliance; France; EU core; EEA data: Yes; Licence: Vendor
- [phos](https://fintechnologica.com/providers/phos) - Payment terminals & SoftPOS; Bulgaria; EU core; EEA data: Yes; Licence: Vendor
- [Pismo](https://fintechnologica.com/providers/pismo) - Core banking, Issuer processing; Brazil / Global; US; EEA data: No; Licence: Vendor
- [Plaid](https://fintechnologica.com/providers/plaid) - Open banking; US; US; EEA data: No; Licence: PI
- [Pleo](https://fintechnologica.com/providers/pleo) - Spend management, Card issuing software; Denmark; EU core; EEA data: Yes; Licence: EMI
- [Pliant](https://fintechnologica.com/providers/pliant) - Spend management, Card issuing software; Germany; EU core; EEA data: Yes; Licence: EMI
- [Pollinate](https://fintechnologica.com/providers/pollinate) - Payment gateway; UK; UK; EEA data: No
- [Polski Standard Płatności (BLIK)](https://fintechnologica.com/providers/polski-standard-platnosci-blik) - Local payment schemes; Poland; EU core; EEA data: Yes
- [Polskie ePłatności](https://fintechnologica.com/providers/polskie-eplatnosci) - Payment gateway, Payment terminals & SoftPOS; Poland; EU core; EEA data: Yes; Licence: PI
- [Powens](https://fintechnologica.com/providers/powens) - Open banking, BaaS; France; EU core; EEA data: Yes; Licence: PI
- [PPRO](https://fintechnologica.com/providers/ppro) - Payment orchestration; UK; UK; EEA data: Yes; Licence: PI
- [Primer](https://fintechnologica.com/providers/primer) - Payment orchestration; UK; UK; EEA data: No
- [Profile Software](https://fintechnologica.com/providers/profile-software) - Core banking; Greece; EU core; EEA data: Yes; Licence: Vendor
- [Provenir](https://fintechnologica.com/providers/provenir) - Credit risk & decisioning; US; US; EEA data: Partial; Licence: Vendor
- [Przelewy24](https://fintechnologica.com/providers/przelewy24) - Payment gateway; Poland; EU core; EEA data: Yes; Licence: PI
- [PSI-Pay](https://fintechnologica.com/providers/psi-pay) - BIN sponsor, Card issuing software; UK; UK; EEA data: No; Licence: EMI
- [PXL Vision](https://fintechnologica.com/providers/pxl-vision) - KYC/KYB, Digital identity & eIDAS; Switzerland; Wider Europe; EEA data: No (CH); Licence: Vendor
- [Qonto](https://fintechnologica.com/providers/qonto) - Spend management, BaaS, Card issuing software; France; EU core; EEA data: Yes; Licence: Bank
- [Qover](https://fintechnologica.com/providers/qover) - Embedded insurance; Belgium; EU core; EEA data: Yes; Licence: Vendor
- [Quantexa](https://fintechnologica.com/providers/quantexa) - KYC/KYB, Fraud & AML monitoring; UK; UK; EEA data: No; Licence: Vendor
- [Quantoz Payments](https://fintechnologica.com/providers/quantoz-payments) - Crypto / digital-asset infra; Netherlands; EU core; EEA data: Yes; Licence: EMI
- [Quicko](https://fintechnologica.com/providers/quicko) - Open banking, Local payment schemes; Poland; EU core; EEA data: Yes; Licence: PI; Status: DEFUNCT - no longer operating, kept on record
- [Qwist (ex-NDGIT)](https://fintechnologica.com/providers/qwist-ex-ndgit) - Open banking; Germany; EU core; EEA data: Yes; Licence: PI
- [Railsr](https://fintechnologica.com/providers/railsr) - BaaS, Card issuing software; UK; UK; EEA data: No; Licence: EMI
- [Ralio](https://fintechnologica.com/providers/ralio) - Agentic payments & commerce; UK; UK; EEA data: No; Licence: Vendor
- [Ramp Network](https://fintechnologica.com/providers/ramp-network) - Crypto / digital-asset infra; Poland; EU core; EEA data: Yes; Licence: CASP
- [Rapyd](https://fintechnologica.com/providers/rapyd) - Payment gateway, Cross-border payments / FX, IBAN sponsor; UK; UK; EEA data: Yes; Licence: EMI
- [Redsys](https://fintechnologica.com/providers/redsys) - Payment gateway, Issuer processing, Local payment schemes, Click to Pay; Spain; EU core; EEA data: Yes; Licence: Vendor
- [Regnology](https://fintechnologica.com/providers/regnology) - Regulatory reporting; Germany; EU core; EEA data: Yes; Licence: Vendor
- [Regula](https://fintechnologica.com/providers/regula) - KYC/KYB; Latvia; EU core; EEA data: Yes; Licence: Vendor
- [Relio](https://fintechnologica.com/providers/relio) - IBAN sponsor; Switzerland; Wider Europe; EEA data: No (CH)
- [Resistant AI](https://fintechnologica.com/providers/resistant-ai) - KYC/KYB, Fraud & AML monitoring; Czechia; EU core; EEA data: Yes; Licence: Vendor
- [Reward](https://fintechnologica.com/providers/reward) - Card-linked rewards & loyalty; UK; UK; EEA data: No; Licence: Vendor
- [Riverty](https://fintechnologica.com/providers/riverty) - Lending module; Germany; EU core; EEA data: Yes
- [Rootline](https://fintechnologica.com/providers/rootline) - Payment gateway; Netherlands; EU core; EEA data: Yes; Licence: PI
- [RS2](https://fintechnologica.com/providers/rs2) - Issuer processing, Card issuing software; Malta; EU core; EEA data: Yes; Licence: Vendor
- [Rubean](https://fintechnologica.com/providers/rubean) - Payment terminals & SoftPOS; Germany; EU core; EEA data: Yes; Licence: Vendor
- [Rydoo](https://fintechnologica.com/providers/rydoo) - Spend management; Belgium; EU core; EEA data: Yes
- [Salt Edge](https://fintechnologica.com/providers/salt-edge) - Open banking; Romania / Canada; EU core; EEA data: Partial; Licence: PI
- [Salv](https://fintechnologica.com/providers/salv) - KYC/KYB, Fraud & AML monitoring; Estonia; EU core; EEA data: Yes; Licence: Vendor
- [Satchel](https://fintechnologica.com/providers/satchel) - BaaS, IBAN sponsor, Card issuing software; Lithuania; EU core; EEA data: Yes; Licence: EMI
- [Satispay](https://fintechnologica.com/providers/satispay) - Local payment schemes; Italy; EU core; EEA data: Yes; Licence: EMI
- [SBS (Sopra Banking Software)](https://fintechnologica.com/providers/sbs-sopra-banking-software) - Core banking, Lending module; France; EU core; EEA data: Yes; Licence: Vendor
- [Scalapay](https://fintechnologica.com/providers/scalapay) - Lending module; Italy; EU core; EEA data: Yes
- [Scaleway](https://fintechnologica.com/providers/scaleway) - Sovereign cloud & hosting; France; EU core; EEA data: Yes; Licence: Vendor
- [SCHUFA](https://fintechnologica.com/providers/schufa) - Credit risk & decisioning; Germany; EU core; EEA data: Yes; Licence: Vendor
- [Schuman Financial](https://fintechnologica.com/providers/schuman-financial) - Crypto / digital-asset infra; France; EU core; EEA data: Yes; Licence: EMI
- [SDK.finance](https://fintechnologica.com/providers/sdk-finance) - Core banking, Issuer processing; Lithuania; EU core; EEA data: Yes; Licence: Vendor
- [SEEBURGER](https://fintechnologica.com/providers/seeburger) - E-invoicing & tax compliance; Germany; EU core; EEA data: Yes; Licence: Vendor
- [SEON](https://fintechnologica.com/providers/seon) - KYC/KYB, Fraud & AML monitoring; Hungary / UK; UK; EEA data: Partial; Licence: Vendor
- [SeQura](https://fintechnologica.com/providers/sequra) - Lending module; Spain; EU core; EEA data: Yes
- [Shift4](https://fintechnologica.com/providers/shift4) - Payment gateway; US; US; EEA data: Partial; Licence: PI
- [Shufti Pro](https://fintechnologica.com/providers/shufti-pro) - KYC/KYB; UK; UK; EEA data: No; Licence: Vendor
- [SIBS](https://fintechnologica.com/providers/sibs) - Local payment schemes, Issuer processing, Payment gateway; Portugal; EU core; EEA data: Yes; Licence: Vendor
- [Signicat](https://fintechnologica.com/providers/signicat) - KYC/KYB, Digital identity & eIDAS; Norway; EU core; EEA data: Yes; Licence: Vendor
- [Silverflow](https://fintechnologica.com/providers/silverflow) - Issuer processing; Netherlands; EU core; EEA data: Yes; Licence: Vendor
- [Silvr](https://fintechnologica.com/providers/silvr) - Lending module; France; EU core; EEA data: Yes
- [SimplePay](https://fintechnologica.com/providers/simplepay) - Payment gateway; Hungary; EU core; EEA data: Yes
- [Sipay](https://fintechnologica.com/providers/sipay) - Payment gateway; Turkey; Wider Europe; EEA data: No
- [Skaleet](https://fintechnologica.com/providers/skaleet) - Core banking; France; EU core; EEA data: Yes; Licence: Vendor
- [Skribble](https://fintechnologica.com/providers/skribble) - Digital identity & eIDAS; Switzerland; Wider Europe; EEA data: No (CH); Licence: Vendor
- [SlimPay](https://fintechnologica.com/providers/slimpay) - Direct debit & recurring collections; France; EU core; EEA data: Yes; Licence: PI
- [Société Générale-FORGE](https://fintechnologica.com/providers/societe-generale-forge) - Crypto / digital-asset infra; France; EU core; EEA data: Yes; Licence: Bank
- [Solaris](https://fintechnologica.com/providers/solaris) - BaaS, Card issuing software, BIN sponsor, IBAN sponsor, Lending module; Germany; EU core; EEA data: Yes; Licence: Bank; Status: Watch - see profile
- [Soldo](https://fintechnologica.com/providers/soldo) - Spend management; UK / Italy; UK; EEA data: Partial; Licence: EMI
- [Sovos](https://fintechnologica.com/providers/sovos) - E-invoicing & tax compliance; US; US; EEA data: No; Licence: Vendor
- [Spendesk](https://fintechnologica.com/providers/spendesk) - Spend management; France; EU core; EEA data: Yes; Licence: EMI
- [Spreedly](https://fintechnologica.com/providers/spreedly) - Payment orchestration; US; US; EEA data: No; Licence: Vendor
- [Square (Block)](https://fintechnologica.com/providers/square-block) - Payment gateway; US; US; EEA data: Partial; Licence: EMI
- [StablR](https://fintechnologica.com/providers/stablr) - Crypto / digital-asset infra; Malta; EU core; EEA data: Yes; Licence: EMI
- [StackIT](https://fintechnologica.com/providers/stackit) - Sovereign cloud & hosting; Germany; EU core; EEA data: Yes; Licence: Vendor
- [Storecove](https://fintechnologica.com/providers/storecove) - E-invoicing & tax compliance; Netherlands; EU core; EEA data: Yes; Licence: Vendor
- [Straal](https://fintechnologica.com/providers/straal) - Payment gateway, Card issuing software; Poland; EU core; EEA data: Yes
- [Striga](https://fintechnologica.com/providers/striga) - BaaS, Card issuing software, IBAN sponsor, Core banking, Crypto / digital-asset infra; Luxembourg; EU core; EEA data: Yes; Licence: EMI
- [Stripe](https://fintechnologica.com/providers/stripe) - Payment gateway, Card issuing software, Agentic payments & commerce, Click to Pay; US; US; EEA data: No; Licence: EMI
- [Strise](https://fintechnologica.com/providers/strise) - KYC/KYB; Norway; EU core; EEA data: Yes; Licence: Vendor
- [Suade](https://fintechnologica.com/providers/suade) - Regulatory reporting; UK; UK; EEA data: Yes; Licence: Vendor
- [Sumsub](https://fintechnologica.com/providers/sumsub) - KYC/KYB; UK / EU; UK; EEA data: Partial; Licence: Vendor
- [SumUp](https://fintechnologica.com/providers/sumup) - Payment gateway, Card issuing software; Germany / UK; EU core; EEA data: Partial; Licence: EMI
- [SurePay](https://fintechnologica.com/providers/surepay) - Verification of Payee; Netherlands; EU core; EEA data: Yes; Licence: Vendor
- [Swan](https://fintechnologica.com/providers/swan) - BaaS, Card issuing software, IBAN sponsor, BIN sponsor; France; EU core; EEA data: Yes; Licence: EMI
- [Swile](https://fintechnologica.com/providers/swile) - Spend management; France; EU core; EEA data: Yes; Licence: EMI
- [Switch Payments](https://fintechnologica.com/providers/switch-payments) - Payment orchestration; Portugal; EU core; EEA data: Yes; Licence: Vendor
- [Sygnum](https://fintechnologica.com/providers/sygnum) - Crypto / digital-asset infra; Switzerland; Wider Europe; EEA data: No (CH)
- [Synctera](https://fintechnologica.com/providers/synctera) - BaaS; US; US; EEA data: No; Licence: Vendor
- [Taktile](https://fintechnologica.com/providers/taktile) - Credit risk & decisioning; US; US; EEA data: Partial; Licence: Vendor
- [Talon.One](https://fintechnologica.com/providers/talon-one) - Card-linked rewards & loyalty; Germany; EU core; EEA data: Yes; Licence: Vendor
- [Tangany](https://fintechnologica.com/providers/tangany) - Crypto / digital-asset infra; Germany; EU core; EEA data: Yes; Licence: CASP
- [Taurus](https://fintechnologica.com/providers/taurus) - Crypto / digital-asset infra; Switzerland; Wider Europe; EEA data: No (CH); Licence: CASP
- [TeamSystem](https://fintechnologica.com/providers/teamsystem) - E-invoicing & tax compliance; Italy; EU core; EEA data: Yes; Licence: Vendor
- [Temenos](https://fintechnologica.com/providers/temenos) - Core banking, Lending module; Switzerland; Wider Europe; EEA data: No (CH); Licence: Vendor
- [Teya](https://fintechnologica.com/providers/teya) - Payment gateway, Issuer processing, Lending module; UK / Iceland; UK; EEA data: Partial; Licence: Vendor
- [Teylor](https://fintechnologica.com/providers/teylor) - Lending module; Switzerland; Wider Europe; EEA data: No (CH)
- [Thales](https://fintechnologica.com/providers/thales) - Tokenization – X-Pays, Tokenization – Non-X-Pays, Card issuing software, Card manufacturing & personalization; France; EU core; EEA data: Yes; Licence: Vendor
- [Thought Machine](https://fintechnologica.com/providers/thought-machine) - Core banking; UK; UK; EEA data: No; Licence: Vendor
- [ThreatMark](https://fintechnologica.com/providers/threatmark) - Fraud & AML monitoring; Czechia; EU core; EEA data: Yes; Licence: Vendor
- [Thredd](https://fintechnologica.com/providers/thredd) - Issuer processing; UK; UK; EEA data: No; Licence: Vendor
- [Tietoevry Banking](https://fintechnologica.com/providers/tietoevry-banking) - Core banking, Issuer processing, Tokenization – X-Pays, Tokenization – Non-X-Pays; Finland; EU core; EEA data: Yes; Licence: Vendor
- [Tink](https://fintechnologica.com/providers/tink) - Open banking, Local payment schemes; Sweden; EU core; EEA data: Yes; Licence: PI
- [TIS](https://fintechnologica.com/providers/tis) - Treasury & cash management; Germany; EU core; EEA data: Yes; Licence: Vendor
- [Token.io](https://fintechnologica.com/providers/token-io) - Open banking, Local payment schemes; UK; UK; EEA data: No; Licence: PI
- [Tokeny](https://fintechnologica.com/providers/tokeny) - Crypto / digital-asset infra; Luxembourg; EU core; EEA data: Yes; Licence: Vendor
- [Tpay](https://fintechnologica.com/providers/tpay) - Payment gateway; Poland; EU core; EEA data: Yes; Licence: PI
- [Transact Payments](https://fintechnologica.com/providers/transact-payments) - BIN sponsor, Card issuing software, Issuer processing, Tokenization – X-Pays; Malta / Gibraltar; EU core; EEA data: Partial; Licence: EMI
- [TransferGo](https://fintechnologica.com/providers/transfergo) - Cross-border payments / FX; UK / Lithuania; UK; EEA data: Yes; Licence: EMI
- [TransferMate](https://fintechnologica.com/providers/transfermate) - IBAN sponsor, Cross-border payments / FX; Ireland; EU core; EEA data: Yes; Licence: EMI
- [Treasury Prime](https://fintechnologica.com/providers/treasury-prime) - BaaS; US; US; EEA data: No; Licence: Vendor
- [Treezor](https://fintechnologica.com/providers/treezor) - Card issuing software, BIN sponsor, IBAN sponsor, BaaS, Issuer processing, Tokenization – X-Pays; France; EU core; EEA data: Yes; Licence: EMI; Status: Watch - see profile
- [Tribe Payments](https://fintechnologica.com/providers/tribe-payments) - Issuer processing, Card issuing software, Tokenization – X-Pays; UK; UK; EEA data: No; Licence: Vendor
- [TrueLayer](https://fintechnologica.com/providers/truelayer) - Open banking, Local payment schemes, KYC/KYB; UK; UK; EEA data: No; Licence: PI
- [Truevo](https://fintechnologica.com/providers/truevo) - Payment gateway, Issuer processing; Malta; EU core; EEA data: Yes; Licence: Vendor
- [Trulioo](https://fintechnologica.com/providers/trulioo) - KYC/KYB; Canada; US; EEA data: No; Licence: Vendor
- [Trust Payments](https://fintechnologica.com/providers/trust-payments) - Payment gateway, Issuer processing; UK / Malta; UK; EEA data: Partial; Licence: PI
- [Trustly](https://fintechnologica.com/providers/trustly) - Local payment schemes, Open banking; Sweden; EU core; EEA data: Yes; Licence: PI
- [Trustpair](https://fintechnologica.com/providers/trustpair) - Fraud & AML monitoring, Verification of Payee; France; EU core; EEA data: Yes; Licence: Vendor
- [TrustPay](https://fintechnologica.com/providers/trustpay) - Payment gateway, IBAN sponsor; Slovakia; EU core; EEA data: Yes; Licence: PI
- [Tuum](https://fintechnologica.com/providers/tuum) - Core banking, BaaS; Estonia; EU core; EEA data: Yes; Licence: Vendor
- [Twikey](https://fintechnologica.com/providers/twikey) - Direct debit & recurring collections; Belgium; EU core; EEA data: Yes; Licence: Vendor
- [TWINT](https://fintechnologica.com/providers/twint) - Local payment schemes; Switzerland; Wider Europe; EEA data: No (CH)
- [Twisto](https://fintechnologica.com/providers/twisto) - Lending module; Czechia; EU core; EEA data: Yes; Licence: PI
- [Two](https://fintechnologica.com/providers/two) - Lending module; Norway; EU core; EEA data: Yes
- [Unifiedpost](https://fintechnologica.com/providers/unifiedpost) - E-invoicing & tax compliance; Belgium; EU core; EEA data: Yes; Licence: Vendor
- [Unit](https://fintechnologica.com/providers/unit) - BaaS; US; US; EEA data: No; Licence: Vendor
- [Unnax](https://fintechnologica.com/providers/unnax) - BaaS, Open banking, IBAN sponsor; Spain; EU core; EEA data: Yes; Licence: EMI
- [Unzer](https://fintechnologica.com/providers/unzer) - Payment gateway; Germany; EU core; EEA data: Yes
- [UpCloud](https://fintechnologica.com/providers/upcloud) - Sovereign cloud & hosting; Finland; EU core; EEA data: Yes; Licence: Vendor
- [Upvest](https://fintechnologica.com/providers/upvest) - Investment infrastructure; Germany; EU core; EEA data: Yes
- [Vacuumlabs](https://fintechnologica.com/providers/vacuumlabs) - Fintech software development; Slovakia; EU core; EEA data: Yes; Licence: Vendor
- [Valitor](https://fintechnologica.com/providers/valitor) - Payment gateway, Issuer processing; Iceland; EU core; EEA data: Yes; Licence: PI
- [Varengold Bank](https://fintechnologica.com/providers/varengold-bank) - Lending module; Germany; EU core; EEA data: Yes; Licence: Bank; Status: Watch - see profile
- [Velmie](https://fintechnologica.com/providers/velmie) - Core banking, BaaS; Estonia; EU core; EEA data: Yes; Licence: Vendor
- [Venly Finance](https://fintechnologica.com/providers/venly-finance) - Crypto / digital-asset infra, Cross-border payments / FX; Belgium; EU core; EEA data: Yes; Licence: Vendor
- [Verestro](https://fintechnologica.com/providers/verestro) - Card issuing software, Tokenization – X-Pays, Tokenization – Non-X-Pays; Poland; EU core; EEA data: Partial; Licence: Vendor
- [Veriff](https://fintechnologica.com/providers/veriff) - KYC/KYB; Estonia; EU core; EEA data: Yes; Licence: Vendor
- [Verifo](https://fintechnologica.com/providers/verifo) - Cross-border payments / FX; Lithuania; EU core; EEA data: Yes; Licence: EMI
- [Verifone](https://fintechnologica.com/providers/verifone) - Payment terminals & SoftPOS; US; US; EEA data: Partial; Licence: Vendor
- [Verimi](https://fintechnologica.com/providers/verimi) - Digital identity & eIDAS; Germany; EU core; EEA data: Yes; Licence: Vendor
- [Vermeg](https://fintechnologica.com/providers/vermeg) - Core banking, Regulatory reporting; Netherlands; EU core; EEA data: Yes; Licence: Vendor
- [Verto](https://fintechnologica.com/providers/verto) - Cross-border payments / FX; UK; UK; EEA data: Partial
- [Vialet](https://fintechnologica.com/providers/vialet) - IBAN sponsor, BaaS, Card issuing software; Lithuania; EU core; EEA data: Yes; Licence: EMI
- [Vipps MobilePay](https://fintechnologica.com/providers/vipps-mobilepay) - Local payment schemes, Tokenization – Non-X-Pays; Norway; EU core; EEA data: Yes; Licence: Vendor
- [Vitesse](https://fintechnologica.com/providers/vitesse) - Cross-border payments / FX, Treasury & cash management; UK; UK; EEA data: Partial; Licence: PI
- [Viva.com](https://fintechnologica.com/providers/viva-com) - Payment gateway, Card issuing software, IBAN sponsor; Greece; EU core; EEA data: Yes; Licence: Bank
- [Vodeno](https://fintechnologica.com/providers/vodeno) - BaaS, IBAN sponsor, Core banking; Belgium / Poland; EU core; EEA data: Yes; Licence: Vendor
- [Volt](https://fintechnologica.com/providers/volt) - Open banking, Local payment schemes; UK; UK; EEA data: No; Licence: PI
- [Voucherify](https://fintechnologica.com/providers/voucherify) - Card-linked rewards & loyalty; Poland; EU core; EEA data: Yes; Licence: Vendor
- [VP Bank](https://fintechnologica.com/providers/vp-bank) - Crypto / digital-asset infra; Liechtenstein; EU core; EEA data: Yes
- [Wakam](https://fintechnologica.com/providers/wakam) - Embedded insurance; France; EU core; EEA data: Yes
- [Wallester](https://fintechnologica.com/providers/wallester) - Card issuing software, BIN sponsor, IBAN sponsor, Issuer processing, Tokenization – X-Pays; Estonia; EU core; EEA data: Yes; Licence: EMI
- [Walletto](https://fintechnologica.com/providers/walletto) - BIN sponsor, Card issuing software, Issuer processing; Lithuania; EU core; EEA data: Yes; Licence: EMI
- [Wayflyer](https://fintechnologica.com/providers/wayflyer) - Lending module; Ireland; EU core; EEA data: Yes
- [WealthKernel](https://fintechnologica.com/providers/wealthkernel) - Investment infrastructure; UK; UK; EEA data: No
- [WealthOS](https://fintechnologica.com/providers/wealthos) - Investment infrastructure; UK; UK; EEA data: No; Licence: Vendor
- [Weavr](https://fintechnologica.com/providers/weavr) - BaaS, Card issuing software; UK / Malta; UK; EEA data: Partial; Licence: EMI
- [Wirecard](https://fintechnologica.com/providers/wirecard) - Payment gateway, Issuer processing, Card issuing software; Germany; EU core; EEA data: No; Licence: Vendor; Status: DEFUNCT - no longer operating, kept on record
- [Wise](https://fintechnologica.com/providers/wise) - IBAN sponsor, BaaS, Cross-border payments / FX; UK / Belgium; UK; EEA data: Partial; Licence: EMI
- [WorldFirst](https://fintechnologica.com/providers/worldfirst) - Cross-border payments / FX; UK; UK; EEA data: Partial; Licence: EMI
- [Worldline](https://fintechnologica.com/providers/worldline) - Payment gateway, Issuer processing, Tokenization – X-Pays, Click to Pay; France; EU core; EEA data: Yes; Licence: PI
- [Worldpay](https://fintechnologica.com/providers/worldpay) - Payment gateway, Issuer processing; UK / US; UK; EEA data: Partial; Licence: Vendor
- [Xpollens](https://fintechnologica.com/providers/xpollens) - BaaS, Card issuing software, IBAN sponsor; France; EU core; EEA data: Yes
- [Yapily](https://fintechnologica.com/providers/yapily) - Open banking, Local payment schemes; UK; UK; EEA data: No; Licence: PI
- [Yokoy](https://fintechnologica.com/providers/yokoy) - Spend management; Switzerland; Wider Europe; EEA data: No (CH)
- [Yoti](https://fintechnologica.com/providers/yoti) - KYC/KYB, Digital identity & eIDAS; UK; UK; EEA data: No; Licence: Vendor
- [YouLend](https://fintechnologica.com/providers/youlend) - Lending module; UK; UK; EEA data: No; Licence: PI
- [Younited](https://fintechnologica.com/providers/younited) - Lending module; France; EU core; EEA data: Yes; Licence: Bank
- [Younium](https://fintechnologica.com/providers/younium) - Subscription billing; Sweden; EU core; EEA data: Yes; Licence: Vendor
- [Yousign](https://fintechnologica.com/providers/yousign) - Digital identity & eIDAS; France; EU core; EEA data: Yes; Licence: QTSP
- [ZEN.com](https://fintechnologica.com/providers/zen-com) - Cross-border payments / FX; UK; UK; EEA data: Yes; Licence: EMI
- [Zero Hash](https://fintechnologica.com/providers/zero-hash) - Crypto / digital-asset infra; US; US; EEA data: Partial; Licence: CASP
- [Zimpler](https://fintechnologica.com/providers/zimpler) - Local payment schemes; Sweden; EU core; EEA data: Yes; Licence: PI
- [Zodia Custody](https://fintechnologica.com/providers/zodia-custody) - Crypto / digital-asset infra; UK / Luxembourg; UK; EEA data: Yes; Licence: CASP
- [Zuora](https://fintechnologica.com/providers/zuora) - Subscription billing; US; US; EEA data: No; Licence: Vendor
- [Zwipe](https://fintechnologica.com/providers/zwipe) - Card manufacturing & personalization; Norway; EU core; EEA data: Yes; Licence: Vendor

## Licence register summary (register-sourced tier)

- Total: 2654 licensed entities (EEA + UK), of which 2652 active.
- By type: 1397 payment institutions, 691 e-money institutions, 217 AISPs, 349 MiCA CASPs (plus UK FCA firms).
- Sources: EBA PSD2 register, ESMA interim MiCA register, FCA Financial Services Register. As of 2026-09-18. Registers have no legal significance - confirm with the home regulator.
- Browse and filter: https://fintechnologica.com/european-fintech-index