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A Finnish issuer processor that is also a dual-regulated e-money institution and a principal member of Visa and Mastercard, so it can sponsor card programmes itself across the UK and EEA. It publishes the full card range, a sandbox and PCI DSS Level 1.
Enfuce scores 3.0 out of 5 (59 out of 100) in the Buckingham Intelligence Card Issuing Index 2026 and ranks 4 of 11. It is strongest for UK and EEA programmes wanting issuing and BIN sponsorship from one firm, with 5 out of 5 for card range. Not published or not stated on the pages read: regulatory standing, integration and programme support.
Scores from the Card Issuing Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For fintechs and e-money firms | 59 | 5 of 11 |
| For expense and B2B payment platforms | 55 | 4 of 11 |
| For banks and lenders | 63 | 3 of 11 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
UK and EEA programmes wanting issuing and BIN sponsorship from one firm.
What Enfuce publishes on its own pages, read on 26 October 2026.
A Finnish issuer processor that is also a dual-regulated e-money institution and a principal member of Visa and Mastercard, so it can sponsor card programmes itself across the UK and EEA. It publishes the full card range, a sandbox and PCI DSS Level 1. It describes its fee structure but publishes no figures.
| Fact | What the provider publishes |
|---|---|
| Card range | "Physical, virtual and tokenised cards, single- or multi-use" across prepaid, debit and credit; digital wallet compatibility built in. |
| Pricing | Three fees described without figures: a one-time implementation fee, a fixed monthly service fee and "a volume-based fee that follows active cards and usage". |
| Issuing countries | Programmes "launch and scale across the UK and EEA from one base". |
| Integration | Real-time APIs, developer documentation and a sandbox; no self-serve sign-up. Example migration: "500,000+ card customers from Santander in under seven months". |
| Regulatory standing | "A dual-regulated EMI authorised by the UK FCA and Finnish FSA"; principal member of Visa and Mastercard "since 2017"; PCI DSS Level 1. SOC 2 not stated. |
| Programme support | BIN sponsorship under its own licences (Enfuce License Services in the EEA, Enfuce UK in the UK), handling programme submission, approval and network compliance. Named clients include Pleo, Swile and Avida. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: enfuce.com/faqs, enfuce.com/platform/cards, docs.enfuce.com/guides/the-essentials/….
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Card Issuing Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Stripe Issuing | 4.3 | 1 of 11 | Platforms wanting published prices and self-serve launch |
| Marqeta | 3.1 | 2 of 11 | Large programmes needing high volumes across many countries |
| Nium | 3.0 | 3 of 11 | Travel and B2B platforms issuing in Asia Pacific, Europe and the US |
| Lithic | 2.9 | 5 of 11 | Developers wanting a self-serve sandbox and full programme management |
| Paymentology | 2.8 | 6 of 11 | Banks and fintechs in emerging markets across many countries |
| Airwallex | 2.5 | 7 of 11 | Platforms wanting multi-currency cards across many countries |
| Thredd | 2.5 | 8 of 11 | Programmes with their own issuer needing wide country coverage |
| Galileo (SoFi Tech Solutions) | 2.4 | 9 of 11 | North and Latin American programmes wanting a stated launch time |
| Highnote | 2.3 | 10 of 11 | US firms wanting debit, credit, charge and prepaid on one platform |
| Adyen Issuing | 2.2 | 11 of 11 | Platforms already using Adyen for payments in Europe, the UK and US |
Side by side on every criterion, fact and award.
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