Verified provider profile

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)
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 How we verify → · Spotted something out of date? Report a correction. · Are you Paynetics? Work with us →

Official register entries

E-money institution (EMI) - Bulgarian National Bank · Ref 131574695 · Active (EBA PSD2 register, as of 2026-07-18)
E-money institution (EMI) - Financial Conduct Authority (FCA) · Ref 942777 · Active (FCA Financial Services Register, as of 2026-07-18)

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)

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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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