Card as a Service for banks

Card as a Service
for banks

Don’t let your legacy card processing system slow you down. Start issuing feature-rich, tailored payment card products to new customer bases with big potential – in just weeks rather than months.

Become fast and flexible like fintechs and digital banks.

The world of payments is changing rapidly: Eight out of ten financial institutions will have outsourced their cloud and platform infrastructure by 2025.


Fintechs and digital banks are catering to underserved customer segments like youngsters, small businesses and immigrants with tailored payment services – and take the market share that should be yours.

It’s more crucial than ever to create products that complement the traditional banking experiences. That is how you can stay in the centre of your customers’ financial lives – and attract new ones.

This might be difficult to do as fast as a fintech, if you’re struggling to streamline, maintain and upgrade your legacy card processing system. On the other hand, it’s also slow, expensive and risky to change systems.

But it doesn’t have to be. And you don’t need to change all at once.

What is Enfuce
Card as a Service?

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

Through our cloud-based card processing system, you’ll get everything you need from BIN sponsorship to prepaid, debit and credit cards, digital wallets, Buy Now Pay Later capabilities, carbon footprint calculations, and more.

Here’s how it works:

  • First, we need to understand your short-term and long-term goals and needs.
  • Based on that, we’ll configure your solution with the features and tools you’ll need to achieve your goals.

What’s best for you is also best for us: We’re not afraid to challenge you on what features and tools best serve your company’s interests.


Having cold feet about issuing cards in the cloud? There’s no need to worry! With our promise of 99.99% availability, there’s going to be no more downtime for your customers and you’ll always be fully compliant.

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, easier, faster

Launch new payment products and features cheaper, easier and faster for small businesses, youngsters, immigrants and more – in as little as eight weeks.


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.

Hear it from customers – they love and praise us!

As a customer, you’ll get easy-to-use, safe and scalable payment solutions that your 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 easy-to-use, safe and scalable payment solutions that your 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

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 fast and 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 cards in only eight weeks


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

Contact us