Verified provider profile

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)

EU core · Malta / GibraltarEEA data: PartialLicence: EMIVerified at source 2026-06-25
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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)
  • Ownership / control: US-owned - Marqeta (US law applies, incl. the CLOUD Act)
  • Card scheme: US scheme - Visa / Mastercard (the elephant in the room)
  • Card issuing reach (BIN): EEA; UK - Yes

What Transact Payments does

BIN sponsorCard issuing softwareIssuer processingTokenization – X-Pays

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 How we verify → · Official website: transactpay.com · Spotted something out of date? Report a correction.

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.

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