Cardstream
Cardstream is a UK (outside the EU/EEA) fintech-infrastructure provider (Payment gateway, Payment orchestration). Verified at source - licence, regulator and registry reference. Active
Who it's for
Cardstream is built for merchants and platforms accepting online payments with the local methods European customers expect.
Sovereignty profile
- Data residency (EEA): No - outside the EEA
- Company origin: UK (UK)
What Cardstream does
Verified licence profile
Cardstream (UK) - independent white-label payment gateway (payments-facilitator-as-a-service) for banks, PSPs, ISOs and ISVs; 400+ acquirers across 120+ countries. PCI DSS Level 1, FCA-regulated; Mastercard open-banking partnership (2025).
Verified 2026-06-26. How we verify → · Spotted something out of date? Report a correction. · Are you Cardstream? Work with us →
European alternatives to Cardstream
🏦 Local IBANs: CY GB
payabl. (Limassol + London; since 2011) - acquirer/PSP: card acquiring, business accounts, virtual IBANs and 300+ payment methods. EMI, Central Bank of Cyprus (passported EEA) + FCA EMI (UK).
🏦 Local IBANs: NL
Adyen (Netherlands) - global acquiring, card issuing and banking; Adyen Issuing offers BIN sponsorship for platforms plus business accounts with NL IBANs. Credit institution (bank), DNB; passported across the EEA (CRD IV). A rare EU-HQ global processor. Agentic-ready - named partner in Mastercard Agent Pay (AI-agent commerce).
Aevi (Germany) - independent in-person (POS) payment orchestration: routing, app management and data across the in-store payments value chain.
Aircash d.o.o. (Zagreb) - e-money institution, Croatian National Bank (ref IEN116); m-wallet, prepaid cards, mobile payments, transfers; passported across the EEA.
Autopay (Blue Media S.A., Poland) - online payments and account-to-account: BLIK, cards and open banking. National Payment Institution, KNF (since 2013).
Axerve (Biella, Italy; Fabrick / Sella Group) - Italy's payment hub for omnichannel acceptance: the Gestpay gateway (one of Italy's leading, 8,000+ companies) plus POS acquiring, with 250+ payment methods including Apple Pay, Samsung Pay and Alipay. Cross-reference: sister company of Fabrick (both Sella Group) - ownership flag (EU).
FAQ
Is Cardstream European / EEA-based?
Cardstream is UK origin (UK) and is not fully EEA-based; shown as a contrast/comparison.
What does Cardstream do?
Cardstream covers: Payment gateway, Payment orchestration. Verified at source by Fintechnologica.