Paynetics
Paynetics is a European (EEA-based) fintech-infrastructure provider (Card issuing software, BIN sponsor, IBAN sponsor, BaaS, Issuer processing). Verified at source - licence, regulator and registry reference. Active
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Who it's for
Paynetics is built for teams creating and controlling payment cards via API. It holds its own e-money licence, so programmes can run under its umbrella with safeguarded client funds. Verified stand-outs: local IBANs in BG, GB; EEA-wide card issuing passport.
Sovereignty profile
- Data residency (EEA): Partial - partly in the EEA - check the rail
- Company origin: EU core (Bulgaria / UK)
- Ownership / control: no change of control on record
- Local IBANs: BG; GB
- Client funds: safeguarded (segregated at a credit institution) - ring-fenced from creditors, not deposit-guaranteed
- Card issuing reach (BIN): EEA; UK - Yes
What Paynetics does
Capabilities & rails
- Card products: Prepaid; Debit
- Settlement currencies: EUR; GBP
- Payment rails (documented): SCT · SCT Inst · FPS · Bacs · CHAPS
- Account model: Virtual · Dedicated
- Account currencies: EUR; GBP; USD
Verified licence profile
Paynetics (Bulgaria; + UK) - card issuing, BIN sponsorship and accounts; dedicated IBANs (SEPA + SWIFT) plus UK sort-code accounts. Dual EMI: BNB (No. 44) + FCA (942777; formerly TPR 900785).
Verified 2026-07-19. How we verify → · Official website: paynetics.digital · Spotted something out of date? Report a correction.
Official register entries
- E-money institution (EMI) - Bulgarian National Bank · Ref 131574695 · Active (EBA PSD2 register, as of 2026-09-18)
- E-money institution (EMI) - Financial Conduct Authority (FCA) · Ref 942777 · Active (FCA Financial Services 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.
Known to power
- Payhawk (licence-via) — Distributes e-money as agent of Paynetics (BG)
Similar verified European providers
Pecunpay EU core EMI Spain · EEA: YesShared: Card issuing software, BIN sponsor, IBAN sponsor, BaaS, Cards: Prepaid / Debit, Card form: Virtual / Physical, Accounts: Dedicated
Swan EU core EMI France · EEA: YesShared: BaaS, Card issuing software, IBAN sponsor, BIN sponsor, Cards: Prepaid / Debit, Card form: Virtual / Physical, Accounts: Dedicated
Wallester EU core EMI Estonia · EEA: YesShared: Card issuing software, BIN sponsor, IBAN sponsor, Issuer processing, Cards: Prepaid / Debit, Card form: Virtual / Physical, Accounts: Virtual
DiPocket EU core EMI Lithuania / UK · EEA: PartialShared: BIN sponsor, IBAN sponsor, Card issuing software, Issuer processing, Cards: Prepaid / Debit, Card form: Virtual / Physical, Accounts: Dedicated
Edenred Payment Solutions EU core EMI UK / Belgium · EEA: PartialShared: BIN sponsor, Card issuing software, BaaS, Issuer processing, Cards: Prepaid / Debit, Card form: Virtual / Physical
Adyen EU core Bank Netherlands · EEA: YesShared: Issuer processing, Card issuing software, BIN sponsor, IBAN sponsor, Cards: Prepaid / Debit, Card form: Virtual / Physical, Accounts: Virtual / Dedicated
FAQ
Is Paynetics European / EEA-based?
Partly. Paynetics is EU core origin (Bulgaria / UK); part of its rail or data sits outside the EEA - check the licence profile.
What does Paynetics do?
Paynetics covers: Card issuing software, BIN sponsor, IBAN sponsor, BaaS, Issuer processing. Verified at source by Fintechnologica.
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