Enfuce
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Enfuce
  • Explore our platform

    Cloud-native, tenant-isolated, API-first. Built for real-time decisioning at any scale.

We provide

  • Cards
  • Processing
  • Licensing
  • Ledger
  • Fraud & dispute management
  • Data & experience
  • Embedded analytics

Browse by card type

  • Debit card
  • Credit card
  • Prepaid card
  • Multi-PAN card
  • EV charge card
  • Fuel card

Industries

  • Banking & financial services
  • Fleet & mobility
  • Employee benefits
  • Expense management

Use cases

  • Credit issuing
  • Multi-market expansion
  • Digital first payments
  • Card spend controls
  • One card solution
  • Customer stories

    Banks, fintechs, fleet providers, global brands. Hear from the programmes built on our platform.

  • Expertise

    The same team from launch to scale. Expertise that compounds over time.

  • Migration

    The specialists, framework and track record behind Europe’s most ambitious card migrations.

Featured resource

  • How to improve the cardholder experience: 5 tactics for issuers Read
  • Who we are

    Solving payments complexity for the world’s most ambitious card programmes.

  • Partners
  • Careers
  • ESG
  • Newsroom

Featured resource

  • How to improve the cardholder experience: 5 tactics for issuers Read

Resources

  • Guides
  • Webinars
  • Blog
  • Podcast
  • Customer stories

Featured blog post

  • How to improve the cardholder experience: 5 tactics for issuers Read

Featured guide

  • Card issuer's guide to happiness. Read
  • Developers
  • Contact us
  • Developers
  • Contact us

Who we are

Born in the Nordics. Built for the world.

Solving payments complexity for the world’s most ambitious card programmes.

Nordic clarity. Global ambition. Integrity at our core.

Founded in 2016, Enfuce is a female-founded and led global payments collaborator solving payments complexity for banks, fintech leaders and ambitious consumer brands. Born in the Nordics, built for the world, we design, launch and run card programmes for major brands including Octopus Electroverse, Swile, Pleo, Avida, SEB Embedded and Porsche, backed by strong regulation and reliability.

That reliability starts with the platform itself; cloud-native infrastructure and dual regulation under FIN-FSA and the FCA future-proof our payment programmes. As members of the UN Global Compact and The Climate Pledge, long-term value for customers, partners and society isn’t a side project, it’s fundamental to our growth.

What we stand for.

Collaboration at scale.

The best programmes come from genuine partnership, where both sides share the ambition and the accountability. From first brief to full expansion, the same team stays with your programme, co-designing rather than handing over, because that’s how great work gets done.

Velocity with control.

Speed without discipline is fragile. We’ve always believed that moving fast and staying in control are the same thing, not opposing forces. Getting that right takes genuine technical depth and treating compliance as the foundation, not the finish line.

Integrity by design.

We believe doing the right thing isn’t situational. Integrity is built into the platform from the core, which means every programme inherits a bedrock standard that was set before the programme existed.

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Our track record, in numbers.

1st

In the world to process payments in the public cloud.

29 million

Cardholders reached worldwide through the programmes we power.

160ms

Average response, built for real-time decisions.

The team that measures its success by yours.

Meet the people bringing decades of payments expertise to your programme.

Denise Johansson

CEO & Co-founder

denise@enfuce.com

Linkedin profile for Denise Johansson

Fernley Blackler

CEO (UK) and CFO

fernley.blackler@enfuce.com

Linkedin profile for Fernley Blackler

Niklas Apellund

CTO & Co-founder

niklas@enfuce.com

Linkedin profile for Niklas Apellund

Vanessa Schotes

Chief Marketing Officer

vanessa.schotes@enfuce.com

Linkedin profile for Vanessa Schotes

Lloyd Hutchinson

Chief Commercial Officer

lloyd.hutchinson@enfuce.com

Linkedin profile for Lloyd Hutchinson

Daphne Noordhoff

Chief People Officer

daphne.noordhoff@enfuce.com

Linkedin profile for Daphne Noordhoff

Daniel Alter

Chief Risk Officer and Money Laundering Reporting Officer (UK)

daniel.alter@enfuce.com

Linkedin profile for Daniel Alter

Anna Przewoznik

General Counsel

anna.przewoznik@enfuce.com

Linkedin profile for Anna Przewoznik

Trusted by.

The awards behind the platform.

Fintech of the Year, Europe Fintech Awards


Enfuce was named Fintech of the Year at the Europe Fintech Awards, recognised by FinTech Intel for overall excellence and exceptional ESG campaigns across the fintech industry.

Best ESG Campaign at the UK Fintech Awards


"The judges were impressed by this campaign having bucked the trend for female-led businesses in securing series C funding. Their commitment to ESG permeates internally across the business, from top to bottom."

Best ESG Campaign at the Europe Fintech Awards


“The judges loved that this campaign showed that Enfuce has clearly embedded demonstrable ESG policies. They are publicly pushing these topics and are really emphasising reducing CO2 emissions.”

Enfuce Island: our corner of the Nordic archipelago.

Enfuce Island is where bold ideas and genuine conversations find the conditions they need to thrive. Open water, Nordic quiet and the Enfuce Spirit in its natural habitat.

Discover Enfuce Island
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Your programme, our expertise, let’s talk.

Every great programme starts with a conversation. Tell us what you’re working on and we’ll show you what we can build together.

Contact us
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Platform

  • Platform
  • Credit issuing
  • Processing
  • Licensing
  • Ledger
  • Data & experience

Solutions

  • Fleet & mobility
  • Banking & financial services
  • Employee benefits
  • Expense management
  • EV charge card
  • Fuel card
  • Prepaid card
  • Multi-PAN card
  • Credit card
  • Debit card
  • Card spend controls
  • Digital first payments

Expertise

  • Expertise
  • Migration
  • Fraud & dispute management

About

  • Who we are
  • Partners
  • Careers
  • ESG
  • Newsroom
  • Enfuce Island

Resources

  • Blog
  • Guides
  • Webinars
  • Podcast

Other

  • Contact
  • Developers
  • Instagram
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  • Website Terms of Use
  • UK Cardholders
  • EEA Cardholders
  • Privacy and data protection
  • Tietosuoja
  • Datenschutz

© Enfuce Financial Services Ltd 2026

Contact us

Talk to us and let’s start building.

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