emerchantpay
emerchantpay is a UK (outside the EU/EEA) fintech-infrastructure provider (Payment gateway, Issuer processing). Verified at source - licence, regulator and registry reference. Active
Who it's for
emerchantpay is built for merchants and platforms accepting online payments with the local methods European customers expect. It holds its own e-money licence, so programmes can run under its umbrella with safeguarded client funds.
Sovereignty profile
- Data residency (EEA): No - outside the EEA
- Company origin: UK (UK / Bulgaria)
What emerchantpay does
Capabilities & rails
- 🌐 Local-payments coverage: Regional / pan-European
- Local payment schemes: iDEAL, Bancontact, giropay, SOFORT, Klarna
- E-commerce integrations: WooCommerce, Magento, PrestaShop
Verified licence profile
emerchantpay (UK; main operations in Sofia, Bulgaria) - global acquirer/PSP across online, mobile, in-store and POS; ~USD 155m revenue. FCA Authorised EMI and Visa/Mastercard Principal Member.
Verified 2026-06-26. How we verify → · Spotted something out of date? Report a correction. · Are you emerchantpay? Work with us →
Official register entries
- Payment institution (PI) - The Netherlands Bank · Ref R160973 · Active (EBA PSD2 register, as of 2026-07-18)
- E-money institution (EMI) - Financial Conduct Authority (FCA) · Ref 900778 · Active (FCA Financial Services Register, as of 2026-07-18)
Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.
European alternatives to emerchantpay
🏦 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).
Global Payments Europe (Prague, Czechia; ex-MUZO) - CEE acquiring, card issuing processing and ATM management hub of the Global Payments group, serving 40+ regions from Prague. Payment Institution (Czech National Bank). NB: subsidiary of Global Payments (US) - ownership flag. Register-sourced: Payment institution (PI), Czech National Bank, ref 27088936; passported to 29 EEA states.
IT Card (Warsaw, Poland) - Poland's largest transaction processor (founded 2008); card issuing (1.6m+ cards), 3DS, the Planet Cash ATM network (~7,400) and Planet Pay POS acquiring. Licensed via Planet Pay - National Payment Institution (KNF), Visa Principal Member + Mastercard acquirer - offering 'fintech-in-a-box' BIN sponsorship. Operates PL/CZ/HR; SIBS (PT) took a majority stake (completed 2026). KRS 0000640662.
JCC Payment Systems (Cyprus) - acquirer for Visa/Mastercard and acquiring processor for Amex/Diners. EMI, Central Bank of Cyprus (licence 115.1.3.55, Dec 2022).
Market Pay (France; created 2016 as Carrefour's payment arm; 60% sold to AnaCap in 2020, Carrefour ~30%) - omnichannel payments platform; 3bn transactions and 320k terminals across 9 EU countries; acquired Novelpay.
Nexi (Italy; Borsa Italiana-listed 2019) - leading Italian acquirer and issuer processor, formed by merging Nets (2021) and SIA (2022); acquired Computop.
FAQ
Is emerchantpay European / EEA-based?
emerchantpay is UK origin (UK / Bulgaria) and is not fully EEA-based; shown as a contrast/comparison.
What does emerchantpay do?
emerchantpay covers: Payment gateway, Issuer processing. Verified at source by Fintechnologica.