girocard
girocard is a European (EEA-based) fintech-infrastructure provider (Local payment schemes). Verified at source - licence, regulator and registry reference. Active
Who it's for
girocard is domestic payment infrastructure - relevant to any product that needs this rail's local reach.
Sovereignty profile
- Data residency (EEA): Yes - hosted in the EEA - GDPR / CLOUD Act safe
- Company origin: EU core (Germany)
- Card scheme: European domestic scheme available (rare)
What girocard does
Verified licence profile
girocard (Germany) - Germany's domestic debit scheme, managed by Deutsche Kreditwirtschaft (GBIC) with scheme manager EURO Kartensysteme GmbH (Frankfurt); 100m+ active cards, ~1.3m POS. Mostly co-badged with Visa/MC. European card scheme.
Verified 2026-06-26. How we verify → · Spotted something out of date? Report a correction. · Are you girocard? Work with us →
Similar verified European providers
BANCOMAT (BANCOMAT S.p.A., Rome, Italy) - Italy's domestic card and A2A schemes (BANCOMAT, PagoBANCOMAT, BANCOMAT Pay), owned by 125 Italian banks; ~34m cards and ~2.5bn operations a year. PagoBANCOMAT is often co-badged and BANCOMAT Pay is A2A. European card scheme + A2A.
Bancontact Payconiq Company (Brussels, Belgium) - operator of Bancontact, Belgium's domestic card + A2A scheme (2018 merger of Bancontact and Payconiq); shareholders Belfius, BNP Paribas Fortis, ING, KBC and AXA. Rebranding to 'Bancontact Company' / 'Bancontact Pay' (spring 2026) and introducing Wero. European card scheme.
BankAxept (Norway; est. 1991) - Norway's domestic debit scheme, owned by Norwegian banks via Finance Norway, with brand and standards managed by Sto AS. Processing historically via Nets, clearing via NICS (Mastercard); mostly co-badged. European card scheme.
Bizum (Bizum S.L., Madrid, Spain; est. 2016) - operator of Bizum, Spain's A2A real-time scheme; owned by Spanish banks, 30m+ users, rolling out to POS and e-commerce in 2026 as an alternative to Visa/Mastercard. EuroPA member. European scheme.
Bluecode (Austria) - mobile account-to-account (A2A) payment scheme; bank-account-linked QR/barcode payments, no card rails. Pan-European payment-sovereignty play, live across 20+ EEA markets.
Borica (Bulgaria; owned by 19 Bulgarian banks) - national card switch and processor operating the Bcard national scheme, and a TPP for Visa/Mastercard. Licensed by the Bulgarian National Bank (3 payment systems).
FAQ
Is girocard European / EEA-based?
Yes. girocard hosts data in the EEA (GDPR / CLOUD Act safe); origin EU core, Germany.
What does girocard do?
girocard covers: Local payment schemes. Verified at source by Fintechnologica.