What does this company do?

Enfuce provides B2B Card-as-a-Service infrastructure, enabling fintechs, banks, and crypto exchanges to launch physical and virtual card programs rapidly with BIN sponsorship and white-label mobile app.

Who are their main clients?

Major European fintechs like Pleo and Memo Bank, employee benefits providers like Swile, and crypto platforms like NBX seeking to issue branded cards without proprietary banking infrastructure.

Yes, uniquely positioned with dual Electronic Money Institution license structure, regulated by Finnish Financial Supervisory Authority for EEA and Financial Conduct Authority in UK.

What blockchains/stablecoins supported?

Enfuce provides fiat-native card issuing and processing rails; crypto functionalities like Bitcoin cashback handled by partners before settling on Enfuce/Visa network.

ENFUCE

Processing & Ledgering Private

Innovative Card Issuing & Processing Made Easy

Visit enfuce.com LinkedIn

About ENFUCE

Enfuce is a Finnish fintech company providing API-first, cloud-native card issuing infrastructure and BIN sponsorship. Founded in 2016, it operates as a dual-licensed Electronic Money Institution regulated by the Finnish FIN-FSA and the UK FCA, and is a principal member of Visa and Mastercard. The platform enables fintechs, banks, crypto exchanges, and embedded finance providers to launch physical and virtual card programs across Europe and the UK without their own payment licenses. Headquartered in Espoo with offices in Mariehamn and London, Enfuce employs 150+ people and processes about €2B annually for more than 16 million card users. Its infrastructure combines high-uptime processing (99.999% SLA), built-in compliance (KYC/AML), and scalable multi-country card issuing. Clients include companies such as Pleo, Memo Bank, Swile, and NBX, which launched a Visa credit card with Bitcoin cashback using Enfuce's platform.

Key Infrastructure

BIN Sponsorship

Foundation to issue debit, credit or prepaid cards without compromise

Card Processing Engine

Payment processing with 99.999% uptime, fraud monitoring, dispute management, and PCI-DSS, GDPR, and PSD2 compliance

White Label MyApp

White-label card management app enabling card launches without a development team

Digital Wallets Module

Support for digital wallets through scheme tokenization services integration

Principal Scheme Access

Access Visa and Mastercard networks via principal membership

Credit Solution Platform

Modular credit platform providing processing, compliance, financing, and fraud management for credit card programs

Additional Features

Multi-market Portability

Multi-country, multi-currency capabilities with local BINs and regulatory alignment

Fraud Management

Real-time alerts, audit logs, and settlement and dispute reporting for compliance and fraud prevention

Advanced Spend Controls

Set and update spending rules and limits in real time

Migration Services

Support for migrating existing card programmes to the API-first platform

Cloud-Native Scale

Handles thousands of transactions per second as volumes grow

Programme Insights

Real-time analytics dashboard for transaction monitoring and custom reporting

Associated Cards

NBX Visa credit card with Bitcoin cashback

Frequently Asked Questions

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