Transact Payments
Transact Payments is a European (EEA-based) fintech-infrastructure provider (BIN sponsor, Card issuing software, Issuer processing, Tokenization – X-Pays). Verified at source - licence, regulator and registry reference. Active (Marqeta acquiring)
Who it's for
Transact Payments 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. Verified stand-outs: EEA-wide card issuing passport.
Sovereignty profile
- Data residency (EEA): Partial - partly in the EEA - check the rail
- Company origin: EU core (Malta / Gibraltar)
- Card scheme: US scheme - Visa / Mastercard (the elephant in the room)
- Card issuing reach (BIN): EEA; UK - Yes
What Transact Payments does
Capabilities & rails
- Card products: Prepaid; Debit
- Settlement currencies: GBP; EUR; USD; PLN; DKK; SEK
Verified licence profile
Transact Payments (Malta + Gibraltar) - card issuing and BIN sponsorship across the UK and EEA; Visa & Mastercard Principal Member. EMI (Malta MFSA + Gibraltar FSC). Being acquired by Marqeta (US) - sovereignty flag.
Verified 2026-06-25. How we verify → · Spotted something out of date? Report a correction. · Are you Transact Payments? Work with us →
Known to power
- Moss (issues-via) — Cards issued via Transact Payments Malta
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FAQ
Is Transact Payments European / EEA-based?
Partly. Transact Payments is EU core origin (Malta / Gibraltar); part of its rail or data sits outside the EEA - check the licence profile.
What does Transact Payments do?
Transact Payments covers: BIN sponsor, Card issuing software, Issuer processing, Tokenization – X-Pays. Verified at source by Fintechnologica.