PSI-Pay
PSI-Pay is a UK (outside the EU/EEA) fintech-infrastructure provider (BIN sponsor, Card issuing software). Verified at source - licence, regulator and registry reference. Active
Who it's for
PSI-Pay is built for teams launching card programmes without their own Visa/Mastercard scheme membership. It holds its own e-money licence, so programmes can run under its umbrella with safeguarded client funds.
Sovereignty profile
- Data residency (EEA): No - outside the EEA
- Company origin: UK (UK)
- Card scheme: US scheme - Visa / Mastercard / Discover (the elephant in the room)
- Card issuing reach (BIN): UK - No
What PSI-Pay does
Capabilities & rails
- Card products: Prepaid; Debit
- Settlement currencies: EUR; GBP; USD
Verified licence profile
PSI-Pay (UK) - BIN sponsorship across consumer and corporate, physical and virtual cards; Mastercard Principal Issuing Member (+ Visa, Discover). FCA Authorised EMI. 16+ settlement currencies; founding member of Mastercard BIN Sponsor Plus.
Verified 2026-06-26. How we verify → · Spotted something out of date? Report a correction. · Are you PSI-Pay? Work with us →
Official register entries
- E-money institution (EMI) - Financial Conduct Authority (FCA) · Ref 900011 · 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.
European alternatives to PSI-Pay
🏦 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).
🏦 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.
Edenred Payment Solutions (ex-PrePay Solutions / PPS; UK + Belgium) - card issuing, BIN sponsorship and in-house processing; Mastercard + Visa primary issuer. FCA EMI (UK, FRN 900010) + PPS EU SA (NBB Belgium, passported to 7 EU countries). Part of Edenred SE (FR, listed); founding member of Mastercard BIN Sponsor Plus.
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.
IT Card (Warsaw, Poland) - Poland's largest transaction processor (founded 2008); card issuing (1.6m+ cards), 3DS, the Planet Cash ATM network (~7,400) and Planet Pay POS acquiring. Licensed via Planet Pay - National Payment Institution (KNF), Visa Principal Member + Mastercard acquirer - offering 'fintech-in-a-box' BIN sponsorship. Operates PL/CZ/HR; SIBS (PT) took a majority stake (completed 2026). KRS 0000640662.
🏦 Local IBANs: BG GB
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).
FAQ
Is PSI-Pay European / EEA-based?
PSI-Pay is UK origin (UK) and is not fully EEA-based; shown as a contrast/comparison.
What does PSI-Pay do?
PSI-Pay covers: BIN sponsor, Card issuing software. Verified at source by Fintechnologica.