Verified directory
Banking & payments infrastructure for fintechs in Europe
105 banking & payments infrastructure firms that help fintech companies build, get licensed and scale in Europe.
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Verified scaling partners in this list include Citi, Deutsche Bank, FIS, Fiserv and Infosys Finacle, among 105 in Europe.
Banking & payments infrastructure in Europe
additivWealth and embedded-finance orchestration platform for banks and insurers, part of Temenos since July 2026.AdyenA global payment platform.AirwallexCross-border payments and treasury infrastructure.AkkuroA digital core-banking and orchestration platform.Allianz TradeA trade credit insurer offering fintechs and B2B lenders embedded credit insurance and payment protection. Owned by Allianz.AlviereAn embedded-finance platform for enterprises.Ant InternationalCross-border payments and Alipay+ acceptance.Arkéa Banking ServicesA French white-label banking provider offering IT platform, back-office outsourcing and payments to banks and fintechs.AryzaSoftware for lending, debt management and recovery.AugustusProgrammable dollar and euro accounts for fintechs and digital asset firms, covering Swift, domestic rails and stablecoin payments on its own Marble core.AUSTRIACARDA card manufacturing, personalisation and secure data management group serving banks and governments.AvaloqCore banking and wealth-management software.BackbaseA digital-banking customer-engagement platform for banks and financial institutions.Banking CircleA cross-border payments bank and infrastructure provider.BlueSnapA global payment orchestration and processing platform.BluOr BankA Latvian bank offering payment and e-money institutions safeguarding accounts, custody and payment services.Checkout.comA London payments processor and acquirer, one of Europe's most valuable fintechs.ChubbAn insurer whose Chubb Studio platform lets banks, fintechs and digital platforms embed its insurance.CitiA bank whose Citi Services unit offers banking-as-a-service and virtual accounts to fintechs, including digital-asset platforms.ClearBankEmbedded banking and clearing infrastructure via API.ComarchBanking, finance and insurance software.ComvivaTech Mahindra subsidiary whose mobiquity Pay platform runs mobile money and wallets for clients including Inwi Money and MOVii.ConveraA B2B cross-border payments and FX provider.CoreCardCredit-issuing and card-processing software for banks, fintechs and lenders, part of Euronet since October 2025.Corpay Cross-BorderA B2B cross-border payments and currency-risk provider.Crown Agents BankA UK bank providing cross-border payments, FX and trade finance into emerging markets.Deutsche BankA German bank offering accounts, payments, FX and liquidity services to fintechs and non-bank financial institutions.EBA CLEARINGA bank-owned euro payment infrastructure whose RT1 instant system admits e-money and payment institutions as participants.EnfuceA female-founded Helsinki provider of cloud card issuing and payments processing.EricssonA telecoms group whose Fintech Platform runs mobile wallets, payments and remittances for operators and banks.EuroclearA Brussels-based financial market infrastructure group for securities settlement, custody, collateral management and fund distribution.FabrickAn open-finance and embedded-finance platform.FinastraLending and payments software provider, maker of Loan IQ and Global PAYplus, which agreed in 2026 to sell its core banking business.FireblocksDigital-asset custody and infrastructure.FISBanking and payments technology at global scale.FiservPayments and financial-services technology, including the Clover platform.FlutterwavePayments infrastructure, card issuing and banking-as-a-service for businesses.Form3Cloud-native account-to-account payments processing.Giesecke+DevrientPayment, card and security technology for banks.Global PaymentsA worldwide payment-technology company for merchants.HPSPayment software (PowerCARD) powering issuers and processors.IDEMIAPayment cards, digital identity and security technology.InCore BankA Swiss B2B transaction bank offering banking-as-a-service, payments and digital asset custody to financial firms.Infosys FinacleDigital core-banking suite used by banks worldwide, from Infosys.INGA Dutch bank giving financial institutions, including regulated fintechs, access to euro and local clearing.Intellect Design ArenaListed provider of core-banking and transaction platforms.JUMOBanking-as-a-service and credit infrastructure for banks and telcos.Magnetiq BankA Latvian bank offering EMIs, payment institutions and crypto firms safeguarding accounts, vIBANs and acquiring. Owned by Signet Bank.MambuA cloud core-banking platform used by banks and fintechs.MangopayPayment infrastructure for marketplaces and platforms.MarqetaA modern card-issuing platform used by fintechs to launch card programs.MenigaDigital-banking, data and engagement software.ModulrEmbedded payments and accounts infrastructure.mx51Payments-as-a-service for banks and merchants.nCinoA cloud banking platform for onboarding, lending and account opening.NetceteraDigital payment security and 3-D Secure software.NexiA leading European payments and acquiring provider.NiumGlobal real-time payments infrastructure for cross-border payouts.NIUM / Instarem for PlatformsCross-border collection and payout rails.Nucleus SoftwareLending and transaction-banking software for banks.NuveiA global payment technology and acquiring provider.ObjectwayWealth and investment management software.OhpenA cloud core-banking and investing platform.OP PohjolaA Finnish banking and insurance group offering fintechs and startups payment, account and insurance APIs.OpenPaydBanking-as-a-service and embedded finance via a single API.Oracle Financial ServicesBanking, payments and financial-crime compliance software for financial institutions, deployable as SaaS, hybrid or on-premises.PaymentologyA global issuer-processor for card programs.PaysafeA global payments platform for processing and digital wallets.PrivatBankA Ukrainian state-owned bank whose PrivatMoney network offers banks and financial companies API-based payouts into Ukraine.RabobankA Dutch cooperative bank embedding payments, account information, financing and lease into partner platforms, including fintechs.Raiffeisen Bank InternationalAn Austrian bank providing payments and cash management services to institutions, including payment service providers.RapydA global payments and fintech-as-a-service platform.SantanderA Spanish bank whose CIB arm offers non-bank financial institutions euro clearing and indirect payment-scheme sponsorship.SAP FioneerFinancial-services software for banking and insurance.SBSFormerly Sopra Banking Software and now part of 74Software, providing core banking, payments, cards, open banking and lending platforms to 1,500+ institutions.Shift4An integrated payment processing and commerce platform.SilverflowA cloud-native card-acquiring platform.SkaleetA cloud core-banking platform for banks and fintechs.SolarisA banking-as-a-service platform with its own licence.Standard CharteredA bank offering paytechs and non-bank financial institutions virtual accounts, multi-currency FX payments and cash management.STETA bank-owned clearing and card payment processing operator running the CORE system for France and Belgium.StripePayments infrastructure and APIs used by businesses of every size.SwanEmbedded banking and accounts via API.SwiftThe member-owned cooperative running the main global messaging network for cross-border payments between financial institutions.Tag SystemsA payment card manufacturing and personalisation company that also offers tokenization and mobile payment services. Now owned by AUSTRIACARD Holdings.TapeezeA Swedish provider letting banks, crypto firms, fintechs and brands launch tokenized physical payment cards.TCS BaNCSTata Consultancy Services' core-banking and financial platform.TemenosCore-banking software widely deployed across banks and financial institutions.TerraPayCross-border payout infrastructure reaching wallets and banks.ThalesA digital security group supplying card issuing, payment security and identity technology to banks and fintechs.Thought MachineA cloud-native core-banking platform.ThreddCard issuer-processing for fintechs and digital banks.ThunesA cross-border payment network connecting wallets, banks and cards.TransactPayA BIN sponsorship and e-money licensing provider for card programmes in the UK and EEA. Now owned by Marqeta.TreezorParis banking-as-a-service provider and electronic money institution, part of the Shares group since its 2026 acquisition from Société Générale.Tribe PaymentsCard issuing and payment processing technology.TuumA modern core-banking platform.Velocity TradeA multi-asset broker-dealer offering brokers and platforms trading infrastructure and APIs to embed investment services.VitessePayment and treasury infrastructure for insurers.VodenoCloud-native banking-as-a-service platform for embedding accounts, lending and payments, owned by UniCredit alongside Aion Bank since 2025.WallesterA Tallinn card-issuing platform and Visa principal member, built on its own API.WeavrPlug-and-play embedded finance for non-financial businesses.Wise PlatformThe infrastructure arm of Wise for cross-border payments.WorldlineA major European payment-services provider.WorldpayA merchant acquiring and payment-processing company for businesses of all sizes. Now owned by Global Payments.
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