Verified provider profile

Marqeta

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

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Who it's for

Marqeta 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

Data residency (EEA): No - outside the EEA
Company origin: US (US)

What Marqeta does

Verified licence profile

Marqeta (US) - issuer-processor via sponsor banks (Sutton ~96%, Evolve, WebBank, Cross River); not a bank itself.

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European alternatives to Marqeta

Enfuce

EU core EEA: Yes EMI Verified Finland

Card issuing softwareIssuer processingTokenization – X-Pays

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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Transact Payments

EU core EEA: Partial EMI Verified Malta / Gibraltar

Card issuing softwareIssuer processingTokenization – X-Pays

Transact Payments (Malta + Gibraltar) - card issuing and BIN sponsorship across the UK and EEA; Visa & Mastercard Principal Member. EMI (Malta MFSA + Gibraltar FSC). Being acquired by Marqeta (US) - sovereignty flag.

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Wallester

EU core EEA: Yes EMI Verified Estonia

Card issuing softwareIssuer processingTokenization – X-Pays

🏦 Local IBANs: EE

Wallester (Estonia) - card issuing and BIN sponsorship; Visa Principal Member (since 2018), Mastercard via partner. Estonian FSA payment institution; UK entity holds an FCA EMI. Wallester Business EUR IBAN accounts (issued via LHV Bank, EE).

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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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FAQ

Is Marqeta European / EEA-based?

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

What does Marqeta do?

Marqeta covers: Card issuing software, Issuer processing, Tokenization – X-Pays. Verified at source by Fintechnologica.

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