Verified provider profile

Railsr

Railsr is a UK (outside the EU/EEA) fintech-infrastructure provider (BaaS, Card issuing software). Verified at source - licence, regulator and registry reference. Active (merged into Equals 2025)

UKEEA data: NoLicence: EMIVerified at source 2026-07-12
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Who it's for

Railsr is built for teams that want accounts, payments and cards behind one contract and one API. 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)
  • Ownership / control: no change of control on record
  • Client funds: safeguarded (segregated at a credit institution) - ring-fenced from creditors, not deposit-guaranteed

What Railsr does

BaaSCard issuing software

Verified licence profile

Railsr (UK) - BaaS; FCA EMI + PI. Merged with Equals Money in 2025 (now 'Equals'); PayrNet (LT EMI) wound down. NB: earlier FCA restructuring risk. Rebranded to Equals (Jun 2026) after surpassing GBP 58bn annual volume.

Verified 2026-07-12. How we verify → · Official website: equalsmoney.com · Spotted something out of date? Report a correction.

Timeline

  • 2026-06 [rebrand] Group rebranded to Equals after surpassing GBP 58bn annual volume
  • 2025 [m&a] Merged with Equals Money

European alternatives to Railsr

  • Bankera EU core EMI Lithuania · EEA: YesShared: BaaS, Card issuing software, Card form: Virtual / Physical
  • ConnectPay EU core EMI Lithuania · EEA: YesShared: BaaS, Card issuing software, Card form: Virtual / Physical
  • iCard EU core EMI Bulgaria · EEA: YesShared: BaaS, Card issuing software, Card form: Virtual / Physical
  • Intersolve EU core EMI Netherlands · EEA: YesShared: Card issuing software, BaaS, Card form: Virtual / Physical
  • Okali EU core EMI France · EEA: YesShared: BaaS, Card issuing software, Card form: Virtual / Physical
  • Papaya Ltd EU core EMI Malta · EEA: YesShared: Card issuing software, BaaS, Card form: Virtual / Physical

FAQ

Is Railsr European / EEA-based?

Railsr is UK origin (UK) and is not fully EEA-based; shown as a contrast/comparison.

What does Railsr do?

Railsr covers: BaaS, Card issuing software. Verified at source by Fintechnologica.

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