Description.
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
Whether you’re a regulated bank entering a new market or a digital lender building your first card, their BIN sponsorship gives you the foundation to issue debit, credit or prepaid cards, without compromise.
Card Processing Engine
Payment processing with an exceptional 99.999% uptime. Round-the-clock fraud monitoring. Dispute management, and PCI-DSS, GDPR, and PSD2 compliance.
White Label MyApp
Enfuce MyApp is a white-label card management app that enables you to launch your card’s app without a development team. You select the features you want and package them as your own app.
Digital Wallets Module
To support digital wallets, you must integrate with the relevant scheme tokenization services, which Enfuce’s Digital Wallet Module can manage for you as soon as cards are issued.
Principal Scheme Access
Access Visa and Mastercard networks via our principal membership. Stay in control: You own the product, customer experience and brand. Launch securely: They handle compliance.
Credit Solution Platform
Modular credit platform providing processing, compliance, financing, and fraud management capabilities tailored specifically for complex credit card programs.
Additional Features.
Multi-market Portability
Pre-integrated multi-country, multi-currency capabilities. Support for local BINs and scheme and invoicing requirements aligned to local regulatory needs.
Fraud Management
Real-time alerts, audit logs, and settlement and dispute reporting easily accessible to support compliance, fraud prevention, and operational oversight.
Advanced Spend Controls
Set and update spending rules and limits in real time, enabling you to respond immediately to operational needs or policy changes without relying on siloed providers."
Migration Services
When migrating your existing card programme to our API-first platform, you’ll work with thier team to ensure your logic and operational workflows move with you."
Cloud-Native Scale
Our industry-leading cloud-based payments infrastructure is built to scale as your card and payment volumes grow, handling thousands of transactions per second.
Programme Insights
Real-time analytics dashboard providing transaction monitoring, spending patterns, revenue tracking, and custom reporting for data-driven decision making.
