PayCenter
PayCenter is a European (EEA-based) fintech-infrastructure provider (IBAN sponsor, Card issuing software, BaaS). Verified at source - licence, regulator and registry reference. Active
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Who it's for
PayCenter is built for products that need customer accounts and IBANs issued under the provider's licence. It holds its own e-money licence, so programmes can run under its umbrella with safeguarded client funds. Verified stand-outs: local IBANs in DE.
Sovereignty profile
- Data residency (EEA): Yes - hosted in the EEA - GDPR / CLOUD Act safe
- Company origin: EU core (Germany)
- Ownership / control: no change of control on record
- Card scheme: US scheme - Mastercard (the elephant in the room)
- Local IBANs: DE
- Client funds: safeguarded (segregated at a credit institution) - ring-fenced from creditors, not deposit-guaranteed
What PayCenter does
Capabilities & rails
- Payment rails (documented): SCT · SDD Core
- Account model: Dedicated
- Account currencies: EUR
Verified licence profile
PayCenter (Freising, Germany; since 2012) - current accounts with German IBANs and prepaid Mastercard cards for individuals and 8,000+ business customers; the first German EMI with its own BaFin BIC/sort code.
Verified 2026-07-19. How we verify → · Official website: paycenter.de · Spotted something out of date? Report a correction.
Official register entries
- E-money institution (EMI) - Federal Financial Supervisory Authority · Ref 125314 · Active (EBA PSD2 register, as of 2026-09-18)
Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.
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FAQ
Is PayCenter European / EEA-based?
Yes. PayCenter hosts data in the EEA (GDPR / CLOUD Act safe); origin EU core, Germany.
What does PayCenter do?
PayCenter covers: IBAN sponsor, Card issuing software, BaaS. Verified at source by Fintechnologica.
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