The infrastructure behind programmes that adapt fast, and hold firm.
Most processors run all their customers on shared infrastructure. A traffic spike on one programme affects every other. We’re built differently.
Your programme runs on dedicated infrastructure, with its own processing power, storage and risk environment. Cloud-native, API-first and built entirely on proprietary code, the platform puts regulatory logic, scheme requirements and risk controls directly into the processing core.
Performance your programme can depend on.
Transactions per second. Per tenant.
Uptime.
Proprietary Enfuce code and IP.
The engine behind your programme.
Your data. Your environment. No exceptions.
Your programme runs on dedicated infrastructure, with separate processing, separate storage and separate risk controls. Every tenant operates in complete isolation, with regional deployment options to meet local data residency requirements.
Visible, enforceable, auditable, in real time.
Real-time decisioning runs against your rules at the point of transaction. Every event is captured the moment it occurs, so your operations team sees the full picture and acts immediately.
Your programme, your configuration.
Modular by design, with spend controls, fee structures and card controls configured at programme level. When your requirements change, the platform adapts and keeps moving.
API-first. Instant deployment.
Every capability is accessible via API. Provisioning, controls, data, webhooks; your team builds against the platform directly. Changes don’t wait in a queue. Rules take effect at the next transaction.
Explore the developer docs.
Every capability. One platform.
Cards.
Issue physical, virtual, prepaid, credit and debit cards, each configured to your programme.
Processing.
Real-time authorisation, clearing, spend controls, tokenisation and scheme connectivity. All running as one integrated layer beneath your platform.
Licensing.
Operate under FCA and FIN-FSA licences and Visa and Mastercard principal membership without holding your own license. A fast and direct path to market and full regulatory coverage already in place.
Ledger.
Credit and repayment logic, billing, collections and financial reporting, built for the complexity of real programme models.
Fraud and dispute management.
Fraud prevention and detection, fraud operations and dispute management, covering the full lifecycle, from transaction scoring to chargeback resolution.
Data and experience.
Analytics, reporting and the tools your operations team and cardholders use every day.
The verticals we’re built for.
Banking and financial services.
Regulated card programmes at scale, with migration expertise, compliance coverage and infrastructure built for the complexity of financial services.
Fleet and mobility.
One programme for fuel, EV and hybrid fleets. Open loop, closed loop, or both.
Employee benefits.
Multi-benefit, multi-PAN programmes with the compliance controls regulated benefit schemes demand.
Expense management.
Spend controls, real-time visibility and the card infrastructure that make expense platforms perform.
Strategic collaboration. From first brief to full scale.
Most processors hand you infrastructure and step back. Enfuce stays with you, from the first brief through migration, launch and whatever the programme needs next. The people working on your programme know it, and they stay accountable for it, from implementation through to the day-to-day.
The platform, according to the people building on it.
Christoffer Malmer,“The team at Enfuce has demonstrated impressive drive and commitment to support us on our journey.”
CFO at SEB
Jean-Daniel Guyot,“Enfuce is there 24 hours a day, every day of the year, making sure that all payments go through.”
Co-founder and Chairman of the Management Board at Memo Bank.
Michelle Pacey,“Partnering with Enfuce allows us to leverage their advanced technology and expertise to enhance our payment solutions."
Managing Director at allpay.
Deep platform expertise, from the team behind it.
Niklas Apellund,
CTO & Co-Founder
Why data separation is the game changer in processing.
Complete data separation and real-time event streaming; what next-generation issuer processing actually looks like and why it’s never been done this way before in financial services.
Marina Segalla,
Director, Product Marketing
What our platform is actually built on.
Scalability, performance, resilience: that's the core every product we build sits on. Hear how our modular platform lets customers adapt exactly the pieces they need, without being locked into the rest.
Built to perform. Made to last.
Launch any card programme, define any control, expand into new markets on your terms. That’s a programme with happiness built in.
