Future-ready financial services powered by modular card issuing

Everything you need to launch, manage and scale next-gen card products with built-in compliance, speed and control.

A modular issuing and processing platform for banks and digital-first lenders.

The financial services landscape is evolving faster than ever.

Customers demand seamless, real-time payment experiences, from instant digital cards to smart spending controls.
Regulators enforce stricter compliance across regions, adding operational and technical complexity.
Meanwhile, legacy systems and siloed platforms make it harder for banks and fintechs to innovate at speed.

Enfuce helps you overcome these barriers. Our modular, cloud-native issuer processing platform lets you launch innovative card products, expand into new markets and scale, all without disruption.

The Enfuce solution: All-in-one infrastructure for future-ready institutions.

Enfuce is the issuing processor trusted by Europe’s leading banks and fintechs. We combine powerful functionality, regulatory strength and banking expertise, helping you launch faster, reduce risk and grow with confidence.

Card issuing and lifecycle

Issue debit, prepaid or credit cards, physical, virtual or tokenised, across customer segments and use cases.

Cloud-native, modular services

Configure only what you need, from authorisations and settlement to fraud tools and flexible credit ledgers, all via API. MyEnfuce portal gives your team real-time visibility and control.

Full compliance by design

Operate with confidence across Europe and the United Kingdom with built-in regulatory coverage (GDPR, PSD2, PCI-DSS), scheme alignment and audit-readiness.

Multi-country, multi-currency

Launch and operate across markets without adding infrastructure or integration complexity.

Digital wallets and tokenisation

Go live with Apple Pay, Google Pay and Samsung Pay fast, using Enfuce’s digital wallet provisioning tools.

Flexible credit infrastructure

Providing advanced credit products including revolving credit, instalments, automated invoicing, reminder and collection flows and many more – all tracked in a real-time credit ledger.

Customer case stories: Transforming card programmes across financial services.

From debit and credit to SME finance and embedded banking, financial institutions across Europe use Enfuce to launch faster, scale smarter and operate without legacy barriers.

SEB Embedded

Scaling embedded finance with real-time card issuing.

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Alisa Bank

Launching credit cards with seamless onboarding.

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Memo Bank

Powering SME cards with real-time spend visibility.

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Qred

Simplifying SME finance with innovative card solutions.

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Kvika Bank

Upgrading legacy systems for smarter, digital-first growth.

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Indó

Launching instant issuing for mobile-first banking.

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The operational edge: How to run a compliant, scalable card programme, without compromise.

Discover how to optimise every stage of your card programme, from authorisations and invoicing to fraud prevention and dispute resolution.

This guide helps financial institutions build operational resilience, reduce risk and scale with confidence, all while delivering seamless customer experiences.

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Credit innovation, with control and compliance built in.

From instalments and loyalty to embedded lending and sales finance solutions such as BNPL, credit cards now do more than ever. But delivering these experiences means precise control over repayment logic, interest, billing, invoicing and collections. Enfuce makes this simple with our flexible credit ledger and full-service credit infrastructure:

Tailored repayment logic

Set grace periods, repayment flows and interest rules to fit your credit products and customer segments.

Flexible credit options

Offer revolving credit, instalments and sales finance in one product, without added complexity.

Compliant invoicing

Automate invoice generation and stay audit-ready across markets and regulatory frameworks.

Real-time credit tracking

Track balances, delinquencies and write-offs in real time, for better risk control.

Seamless data exports

Export audit-ready ledger data in your preferred format, from DWH to general ledger (GL) files.

Agile credit configuration

Update credit rules, MTP logic and limits via API, without developer delays.

Seamless migration with proven results.

We know transformation can’t happen overnight. That’s why Enfuce offers a structured 7-step migration framework to minimise disruption and support your evolution, one step at a time.

Whether you’re switching to accelerate innovation, consolidate operations, or replace outdated infrastructure, we make the hardest part of change easier to execute.

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