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Powering the most innovative payment solutions

Enfuce has everything you need to issue payment cards – whether you’re launching a new card programme or migrating an existing one. Our enterprise-grade modular card issuing and payment processing platform, and partner network, enable you to create winning card products.

Why work with Enfuce? 

Running a successful card programme is about more than just modern, fast and secure technology.
It’s a combination of tech, people and processes. Enfuce brings together all these components, including compliance, so that you can focus on your core business.

With Enfuce, you issue payment cards that are…

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Composable

Choose features and services from our modular offering and design a payment card product to fit your exact needs.

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Scalable

Access a cloud-based platform with capacity to scale globally across multiple currencies and regions without scaling costs.

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Secure and compliant

Benefit from 99.99% uptime, 24/7 fraud monitoring, dispute management, and PCI-DSS, GDPR and PSD2 compliance.

Enfuce Card as a Service

Enfuce Card as a Service is our modular card issuing and processing platform. It’s designed to be flexible, so you can choose the pieces you need. We offer a complete portfolio of card functionalities – and the experts and partners needed to get new card products live.

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Issue any card type

Debit, prepaid, credit. Virtual, physical, or both. Mastercard or Visa. Consumer or corporate cards. Closed or open loop. Tokenised.

We do it all.  

Whether you’d like to issue prepaid cards in one country or credit cards in multiple countries, you will have endless possibilities to grow and evolve with us.

We’ll build your payment solution with your end customers in mind, which means you can create a smooth and optimal customer experience.

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Modern card experience

A great cardholder experience is at the centre of what we do. Our goal is to meet and exceed modern standards for card ease of use and security. Smooth onboarding with instant issuing and frictionless 3D Secure authentication for online transactions, with support for digital wallets like Apple Pay and Google Pay.

Cardholders can manage their cards’ with features like view PIN, card freezing, and geoblocking, available through our robust API so you can include them in your apps. All while keeping you out of PCI scope, as we take the work out of compliance.

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Flexible credit programmes

We offer credit features to fit many different needs: revolving credit, charge cards, “buy now, pay later” and other instalment options. 

Our advanced credit ledger is flexible. You can have us take care of the whole credit lifecycle, incl. statements and invoices, balances, instalments, interest calculations, reminder processes, and statement delivery.

We have built a Europe-wide and scalable operating model for credit lines, which is live with preferred credit provider partners. We can design a solution that allows you to tap into the revenue streams related to offering a credit card, without dealing with the complexity.

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Data insights

You can see your account, card, and transaction operations in real-time through the MyEnfuce portal and our APIs. This allows you to monitor your card programme, compare your performance and share reports with important stakeholders. In addition, we send you daily data files that include all your card programme’s activities so that you can build a database of your own. 


MyEnfuce also gives you access to our sandbox testing environment and Enfuce API documentation. Want to get started already?

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Advanced card controls

Control when, where and how payment cards are used on a granular level. Set limits on card usage based on budget, counters, or merchant category codes, for example, with Enfuce Spend Control. Create sophisticated rules for approving and declining payment transactions in real time with Authorisation Control.  

Security limits help your customers feel in control of their finances. You can give them control over card usage and spending and make it easy for them to change their payment card settings. On top of the common payment limitations, you can also limit purchasing certain kinds of products or services, for example.

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Fraud prevention service

Fraud prevention is both an art and a science. It’s about keeping up with the intricacies of ever-evolving fraud trends and building systems to detect fraud attempts and minimise losses. 

Enfuce has an experienced team of fraud and dispute management experts. By outsourcing to us, you won’t need any fraud or dispute specialists, training, or processes in place in-house. Our fraud prevention system runs 24/7 and you’ll also get monitoring, portfolio analysis, fraud reporting and highly-skilled second-line support.

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BIN sponsorship

Card issuing requires a licence and card scheme membership, if you want to issue Visa or Mastercard products. Enfuce has an Electronic Money Institution (EMI) licence and card scheme memberships. We’re regulated by the FIN-FSA and have passported our licence across EEA. To save you time and money, we can act as your BIN sponsor and take care of compliance and programme management for you.

Already a principal member or want to be? We’re here to support whatever setup you want.  

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Programme management

Our experts are at your service. Solution Consultants to help you define the card solution you’re looking for and Project Management to ensure your implementation project and card launch go according to plan. 

Once your cards are live, you’ll have a committed Customer Success Manager as your point of contact for any issues or questions, keeping you informed of updates to Enfuce’s platform. We support you as you grow and manage your card programme.

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Even stronger with partners

We’ve seen from experience that winning payment products combine best-in-class providers in an innovative way. That’s why we have screened and pre-qualified industry leading partner modules to complement your core card product. 

Whether it’s embossing houses for physical card production, KYC providers for customer onboarding, FX providers to support multi-currency operations, core banking operators to bring in virtual IBANs, or all of the above. We worked closely with several trusted partners and can help you determine the best solution to meet your business goals and end customer needs, and get to market quickly. 

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Compliance and security

Enfuce was the first card issuer processor hosted in the public cloud. Some say it couldn’t be done without risking security or compliance, but we showed the way through our state-of-the-art tools and processes.

Compliance and security are fundamentals to everything we do – we invest heavily in them to ensure that your card programme remains compliant now and in the future. 

Our compliance experts follow the evolving regulations and we invest in PCI-DSS certifications, for example, so you don’t need to. This way you avoid the need to maintain a large in-house compliance organisation – we enable you to run your card programme in a lean manner.

Flexible and transparent pricing

Our pricing model is designed to match our platform. It’s modular and flexible, based on the products, services and licences you need to issue your payment card product. You pay one monthly fee per card, which covers everything. 

Check out our pricing calculator below to get an estimate based on your volumes, card features and the licences you need.

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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

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.

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Tech

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. 

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People

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.

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Processes

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.  

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!

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

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

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

People say that My Carbon Action has really had an influence on their lifestyles. What we have seen while working with Enfuce is their willingness to think along with us to create the best possible solution for us.

Joyce Ohello, Innovation Manager at Rabobank

Unlike many other processors, Enfuce has been able to filter out all the payments-related jargon and present the solutions in simple terms.

Thomas Jansson, Chief Growth Officer and Co-Founder at Qred

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

This is how we help you

issue payment cards

1

Solution design

  • Workshops with our experts
  • Defining your card solution
2

Onboarding

  • Product configuration
    • Required enablers
    • UI and app design
3

Launch

  • Street pilot and initial user feedback
  • Launch your card
4

Scaling and evolution

  • Enter new markets
  • Grow your userbase
  • Continuous user analytics
  • Unlock new features

Want to know more? Contact us!

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