Enfuce payment services for banks

Don’t let your legacy system slow you down.

Looking to grow your bank’s future customer base and take market share away from your fintech competitors? Start providing modern and convenient payment card products for underserved segments and turn them into loyal customers for years to come – one card product at a time.

You can’t do tomorrow’s business with yesterday’s tools.

The world of payments is changing rapidly: Eight out of ten financial institutions will have outsourced their cloud and platform infrastructure by 2025. Why? Modern customers no longer identify with the traditional banking providers. Instead, they demand easy-to-use digital payment services and will leave for another provider to get payment services that are relevant for them.

For you to stay relevant as a bank, it’s more crucial than ever to create products for new use cases that complement the traditional banking experiences, serving the underserved segments like small businesses, youngsters, immigrants and charities among others. Fintechs and digital banks are already catering to them – and taking market share that should be yours.

Launching payment cards should not be complicated.

If you’re struggling to streamline, maintain and upgrade your legacy card processing system, you might not be able to keep up with your fintech competitors. It is slow, expensive and risky to change systems, but replacing your legacy system with another one is not the solution.

There’s only one way you can add value for customers longing for convenient payment services: Modern, digital payment platforms.

If you are struggling with this, you can trust that Enfuce was built by people who have built a bank, know your painpoints and can serve a larger customer base that you have not recognised before.

Our turnkey card issuing platform Enfuce Card as a Service is your one-stop shop to start issuing feature-rich payment cards for underserved segments with full compliance and security – and start growing your future customer base (one card product at a time) without the need for a big card migration project.

Our platform works as a parallel system for your cards, which means you can start with one card product for a niche that holds a lot of potential.


Benefits of Enfuce Card as a Service


Have the latest tech

You’ll get access to the newest digital payment features throughout your journey. We were the first certified processor in cloud and have built industry-shaping features ever since.


Cheaper and easier

Make launching new payment products and features cheaper and easier for small businesses, youngsters, immigrants and more.


No need for a big project

You don’t need to commit to a lengthy contract with us or migrate your cards all at once. You can start growing your customer base one card product at a time.


Top industry experts

You’ll always have top industry experts experienced in building a new bank within your reach to guide you towards your goal – every step of the way, all the way.


Flexible turnkey service

Focus on your core business and user experience while we provide the high-performance processing platform. You can choose to use your own BIN, or get it from us – whatever suits your needs the best.


Be more sustainable

My Carbon Action is more than just a carbon footprint calculator. With country-specific smart tips and insights, you can make lifestyle improvements easier and more engaging for your customers.

Turn your use cases into a competitive advantage.

Webinar: What two visionary leaders wish they knew before transforming their payment business

Join our webinar on 30 March at 10:00 CEST, where Monika Liikamaa (Co-CEO and Co-Founder at Enfuce) and Filippa Jennersjö (CIO/CDO at OKQ8) share their do’s and don’ts on starting your payments modernisation journey.

Enfuce webinar with OKQ8: Future-proof your payment business through transformation

The Ultimate Guide to Payments RFX

By reading this guide, you’ll learn the best practices and concrete steps for building an RFX questionnaire: It’ll help you choose a vendor that understands your needs and grows with your business.


Get your payment product live smoothly.

Smooth onboarding is not just a tech project but also a collaboration project. There are three cornerstones of how we plan your onboarding.



Having clear documentation and a structured plan is key. Our proven and tested off-the-shelf features make sure that you don’t always have to start from scratch. The tech also needs to be secure, compliant and scalable. 



You’ll be assigned a specific Customer Success Manager (CSM). As your one-stop contact for anything you need, the CSM also makes sure your project proceeds according to plan and gets you access to the resources you need, when you need them.



Your onboarding follows a four-phase project structure that helps you build your app towards our APIs in a focused way. You won’t have to wait for large building blocks to fall in place before you can start.  

This is how we help you
issue payment cards

It’s up to you when we start working together. With decades of experience, we’ll together plan the card project step by step and help you grow your customer base one segment at a time.


Solution design

  • Workshops with our experts
  • Defining your card solution


  • Product configuration
    • Required enablers
    • UI and app design


  • Street pilot and initial user feedback
  • Launch your card

Scaling up

  • Enter new geographical market
  • Grow your userbase


  • Continuous user analytics
  • Unlock new features

Hear it from customers – they love and praise us!

As a customer, you’ll get everything you need to create card products that your niche customers and end-users worldwide can trust and love. Check out what our customers think about working with us!

Hear it from customers – they love and praise us!

As a customer, you’ll get everything you need to create card products that your niche customers and end-users worldwide can trust and love. Check out what our customers think about working with us!

We and Enfuce spoke the same no-nonsense language right from the start. Like us, they don’t beat around the bush. We understand how they work, and they understand how we work. This is a huge asset for us when it comes to technical discussions and development.

Jean-Daniel Guyot, Co-founder and President of the Management Board at Memo Bank

The collaboration with Enfuce is enabling us to offer more cutting-edge features to our existing and new customers faster. With their card-issuing service, we’ve been able to smoothly and quickly onboard end-users in six markets.

Niccolo Perra, CTO and Co-Founder at Pleo

With a card issuing solution, we have been able to further strengthen our value proposition for the increasingly demanding market by introducing new functionalities fast.

Jonas Hultin, CEO at Rocker

Enfuce has enabled us to build smarter and socially conscious banking services. They’re not only a partner in our venture, they are a crucial element in our above-and-beyond value proposition to our customers.

Haukur Skúlason, CEO at indó

Enfuce’s service enabled us to meet and exceed all PSD2 requirements, and tap fully into the opportunities of open banking. With Enfuce’s platform and industry-leading expertise, everything was taken care of — from the fine print to fully deployed APIs.

Jari Jokisilta, Head of Baltic Development and Maintenance, OP Corporate Bank, Baltic Banking

Contact us

Discover new niches and use cases that you might not have recognised before. Get in touch with us and let’s discuss your goals for the future and how we could help you achieve them.