Verified provider profile

Highnote

Highnote is a US - contrast fintech-infrastructure provider (Card issuing software, Issuer processing). Verified at source - licence, regulator and registry reference. Active

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Who it's for

Highnote is built for teams creating and controlling payment cards via API. As an unlicensed vendor, regulatory obligations stay on the client's side.

Sovereignty profile

What Highnote does

Card issuing softwareIssuer processing

Verified licence profile

Highnote (US; since 2020) - issuing-as-a-service via sponsor banks.

Verified 2026-06-25. How we verify → · Spotted something out of date? Report a correction. · Are you Highnote? Work with us →

European alternatives to Highnote

Adyen

EU core EEA: Yes Bank Verified Netherlands
Issuer processingCard issuing software

🏦 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).

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CR2

EU core EEA: Yes Vendor Verified Ireland
Card issuing softwareIssuer processing

CR2 (Dublin, Ireland; founded 1997) - digital-banking and payments software (BankWorld): digital banking, wallet, card issuing, ATM and merchant acceptance. 90+ bank implementations across 50+ countries. Irish-owned.

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DiPocket

EU core EEA: Partial EMI Verified Lithuania / UK
Card issuing softwareIssuer processing

🏦 Local IBANs: LT GB

DiPocket (Lithuania; + UK) - card issuing and IBAN accounts; Visa & Mastercard Principal Member. EMI, Bank of Lithuania (EEA) + FCA (UK). SEPA + SWIFT, LT IBANs and UK Faster Payments.

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Edenred Payment Solutions

EU core EEA: Partial EMI Verified UK / Belgium
Card issuing softwareIssuer processing

Edenred Payment Solutions (ex-PrePay Solutions / PPS; UK + Belgium) - card issuing, BIN sponsorship and in-house processing; Mastercard + Visa primary issuer. FCA EMI (UK, FRN 900010) + PPS EU SA (NBB Belgium, passported to 7 EU countries). Part of Edenred SE (FR, listed); founding member of Mastercard BIN Sponsor Plus.

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Enfuce

EU core EEA: Yes EMI Verified Finland
Card issuing softwareIssuer processing

Enfuce (Finland) - card-as-a-service and BIN sponsorship across the EEA and UK; Visa & Mastercard Principal Member. Dual EMI (FIN-FSA + UK FCA, via Enfuce License Services). Visa holds a stake.

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Fenige

EU core EEA: Yes PI Verified Poland
Card issuing softwareIssuer processing

Fenige (Poland) - National Payment Institution (KNF, IP42/2017) and Visa/Mastercard member, running its own PCI-DSS processing platform directly to Visa/Mastercard.

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FAQ

Is Highnote European / EEA-based?

Highnote is US origin (US) and is not fully EEA-based; shown as a contrast/comparison.

What does Highnote do?

Highnote covers: Card issuing software, Issuer processing. Verified at source by Fintechnologica.

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