Pecunpay
Pecunpay is a European (EEA-based) fintech-infrastructure provider (Card issuing software, BIN sponsor, IBAN sponsor, BaaS). Verified at source - licence, regulator and registry reference. Active
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Who it's for
Pecunpay 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 ES; EEA-wide card issuing passport.
Sovereignty profile
- Data residency (EEA): Yes - hosted in the EEA - GDPR / CLOUD Act safe
- Company origin: EU core (Spain)
- Ownership / control: no change of control on record
- Card scheme: US scheme - Visa / Mastercard / UnionPay (the elephant in the room)
- Local IBANs: ES
- Client funds: safeguarded (segregated at a credit institution) - ring-fenced from creditors, not deposit-guaranteed
- Card issuing reach (BIN): EEA - Yes
What Pecunpay does
Capabilities & rails
- Card products: Prepaid; Debit
- Settlement currencies: EUR
- Payment rails (documented): SCT · SDD Core
- Account model: Dedicated
- Account currencies: EUR
Verified licence profile
Pecunpay (Pecunia Cards EDE SL, Spain; est. 2015) - card issuing and BIN sponsorship; Visa/Mastercard and the first Spanish issuer of UnionPay cards. Spanish EMI (Banco de Espana). First EMI with direct access to the Spanish payment system (Iberpay) and its own IBAN codes.
Verified 2026-07-19. How we verify → · Official website: pecunpay.es · Spotted something out of date? Report a correction.
Official register entries
- E-money institution (EMI) - Bank of Spain · Ref 6707 · 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 Pecunpay European / EEA-based?
Yes. Pecunpay hosts data in the EEA (GDPR / CLOUD Act safe); origin EU core, Spain.
What does Pecunpay do?
Pecunpay covers: Card issuing software, BIN sponsor, IBAN sponsor, BaaS. Verified at source by Fintechnologica.
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