Having trouble finding the right infrastructure?
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Having trouble finding the right infrastructure?
Request a free consultation
ENFUCE Innovative Card Issuing & Processing Made Easy
ENFUCE
Company Overview.
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.
Round-the-clock fraud monitoring.
Dispute management, and PCI-DSS, GDPR, and PSD2 compliance.
You select the features you want and package them as your own app.
Stay in control: You own the product, customer experience and brand.
Launch securely: They handle compliance.
Additional Features.
General Questions.
Enfuce provides B2B Card-as-a-Service (CaaS) infrastructure, enabling fintechs, banks, and crypto exchanges to launch physical and virtual card programs rapidly. They offer BIN sponsorship, a white-label mobile app (MyApp), and high-uptime payment processing.
Their client base spans major European fintechs like Pleo and Memo Bank, employee benefits providers like Swile, and crypto platforms like NBX, looking to issue branded cards without building proprietary banking infrastructure.
Yes, Enfuce is uniquely positioned with a dual Electronic Money Institution (EMI) license structure. They are regulated by the Finnish Financial Supervisory Authority (FIN-FSA) for the EEA and by the Financial Conduct Authority (FCA) in the UK.
Enfuce provides the fiat-native card issuing and processing rails. Crypto-specific functionalities (like Bitcoin cashback or stablecoin liquidation) are handled by their partners (e.g., NBX) before the transaction settles on the Enfuce/Visa network.
