Fiserv
Fiserv is a US - contrast fintech-infrastructure provider (Payment gateway, Issuer processing). Verified at source - licence, regulator and registry reference. Active
Who it's for
Fiserv is built for merchants and platforms accepting online payments with the local methods European customers expect. It operates under a payment institution licence.
Sovereignty profile
- Data residency (EEA): Partial - partly in the EEA - check the rail
- Company origin: US (US)
What Fiserv does
Verified licence profile
Fiserv (Milwaukee, US; NYSE: FI) - global processor (First Data USD 22bn, 2019) with the Clover POS platform. European acquiring rail: European Merchant Services B.V. (EMS, Netherlands - ex-ABN AMRO JV, 100% Fiserv since Sep 2023; DNB-licensed PI) plus the CCV acquisition (NL). Contrast / US. Register-sourced: Payment institution (PI), The Netherlands Bank, ref F0007; passported to 30 EEA states.
Verified 2026-07-11. How we verify → · Spotted something out of date? Report a correction. · Are you Fiserv? Work with us →
Official register entries
- Payment institution (PI) - The Netherlands Bank · Ref F0007 · Active (EBA PSD2 register, as of 2026-07-18)
- Payment institution (PI) - Polish Financial Supervision Authority · Ref 5260210429 · Active (EBA PSD2 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 Fiserv
🏦 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 Fiserv European / EEA-based?
Partly. Fiserv is US origin (US); part of its rail or data sits outside the EEA - check the licence profile.
What does Fiserv do?
Fiserv covers: Payment gateway, Issuer processing. Verified at source by Fintechnologica.