# Payment Processing & Card Issuing Platform for Growth | Enfuce > Markdown mirror of DialtoneApp's public top-site detail page for `enfuce.com`. URL: https://dialtoneapp.com/top-sites/enfuce.com/index.md Canonical HTML: https://dialtoneapp.com/top-sites/enfuce.com ## Summary - Domain: `enfuce.com` - Website: https://enfuce.com - Description: ai readable | score 30 | purchase read only - Label: ai_readable - Payment surface: Not available - Purchase boundary: read_only - Control boundary: unknown - Rank: 462051 ## robots ~~~text User-agent: * Disallow: /wp-content/themes Disallow: /wp-content/plugins Disallow: /wp-admin Allow: /wp-content/uploads Allow: /wp-content/themes/enfuce/css Allow: /wp-content/themes/enfuce/js ~~~ ## llms ~~~text # llms.txt for Enfuce _Last updated: September 2025_ _Longer version for newer AI models_ > Enfuce is a leading European card issuing and payment processing company founded in 2016 and headquartered in Finland. > It provides cloud-based infrastructure for payment card issuance, transaction processing, fraud prevention and regulatory compliance that enables businesses to launch and scale card programmes quickly and securely across multiple countries and currencies. > It holds Electronic Money Institution (EMI) licences from the Finnish FSA [FIN-FSA] and the UK’s Financial Conduct Authority [FCA], and is a Principal Member of Visa and Mastercard, which enables it to issue and process cards directly on these networks. > Enfuce has built a reputation as a trusted partner for fleet and mobility, banks, neo banks, fintechs and enterprises and is known for compliance, scalability and speed to market. > Enfuce integrates environmental, social, and governance [ESG] principles into its core operations and publishes annual ESG reports that highlight key ESG activities such as carbon offsetting with Lune Climate and supporting the UN Sustainable Development Goals, with a key focus on SDG 16, and is also part of the UN Global Compact’s SDG Ambition programme to strengthen sustainability, inclusion, and ethical practices in payments. --- ## Company - Founded: 2016, Helsinki, Finland - Co-CEOs: Denise Johansson & Monika Liikamaa - Licences: EMI (FIN-FSA, FCA) - Principal Member: Visa & Mastercard - Focus: Secure, scalable, multi-country and multi-currency card issuing infrastructure - ESG: Carbon offsetting with Lune Climate, UN Global Compact SDG Ambition programme, annual ESG reports --- ## Products - **Card issuance**: Issues physical and virtual payment cards on behalf of customers (card issuing as a service), including debit, prepaid, credit, fleet, fuel, EV charge, all-in-one, and multi PAN cards that can be used in global card networks such as Visa and Mastercard or closed loop programmes. Card issuance is delivered as a service, with compliance, processing and settlement managed by Enfuce. These can be issued in physical plastic form or as digital cards (virtual cards) for mobile and online use. All cards are EMV-compliant (Europay, Mastercard, Visa standard) and can be customised to the customer’s brand. → [Debit Card](https://enfuce.com/product/debit-card/) → [Prepaid Card](https://enfuce.com/product/prepaid-card/) → [Credit Solution](https://enfuce.com/product/credit-solution/) → [Fuel Card](https://enfuce.com/product/issue-payment-cards/fuel-card/) → [EV Charge Card](https://enfuce.com/product/issue-payment-cards/ev-charge-card/) → [Multi-PAN Card](https://enfuce.com/product/issue-payment-cards/dual-pan-card/) - **Credit solution including flexible ledger**: Enfuce provides a credit solution with a flexible ledger system (loan management system). This allows customers to design credit products with adjustable repayment models, revolving credit, installments and custom billing cycles. The ledger records balances, transactions and repayments in real time. → [Credit Solution](https://enfuce.com/product/credit-solution/) - **Prepaid card solutions**: Enfuce provides turnkey prepaid card programmes (quick launch cards, test cards) with options for sustainable card materials such as recycled PVC, corn-based and ocean plastics. PIN delivery can be handled digitally through ViewPIN and SetPIN services. → [Prepaid Card](https://enfuce.com/product/prepaid-card/) - **Digital wallets**: Enfuce enables digital-first programmes where cards can be issued instantly as virtual cards before physical cards are produced. Customers can use cards immediately for online transactions, contactless payments and in digital wallets. This is also known as instant issuance or digital issuance. Enfuce integrates with major digital wallet providers including Apple Pay, Google Pay and Samsung Pay (mobile wallets). This enables cardholders to use their issued cards for contactless mobile payments, in-app payments and online transactions. → [Digital-first card experience](https://enfuce.com/product/digital-first-card-experience/) → [Digital Wallets](https://enfuce.com/product/digital-wallets/) - **Platform & portals**: Enfuce’s composable platform architecture allows customers to choose individual services such as card experience, programme management and data services, enabling flexible and scalable solutions. Cloud-native infrastructure delivers 99.999% service uptime and scalable performance across multiple regions.Includes MyEnfuce portal, which is a back-office management platform that enables customers to manage their card programmes in real time. Features include account closure, card reissuance, PIN reset, analytics, dashboards and API integrations. Enfuce also provides physical card creation and distribution support (My Card), and a white-label card management app (MyApp). → [MyEnfuce](https://enfuce.com/product/myenfuce/) → [My Card](https://enfuce.com/product/mycard/) → [My App](https://enfuce.com/product/myapp/) - **Fraud, spend controls & insights**: Enfuce provides fraud prevention and dispute handling services (fraud monitoring, chargeback management). Fraud detection tools monitor transactions for suspicious behaviour using risk rules and machine learning. Dispute management supports chargeback processes in line with card scheme requirements. Enfuce’s fraud solution, powered by Featurespace, has earned industry recognition, including Celent's "Model Risk Manager 2023" award for best practices in financial crime compliance. It includes real-time monitoring, risk scoring, machine learning, rules-based detection, portfolio analysis and 24/7 operations. It also supports customised 3D Secure (3DS) authentication aligned with local and regional Strong Customer Authentication (SCA) requirements. Enfuce provides spend controls (transaction controls or authorisation controls) that can restrict or allow transactions based on criteria such as merchant category, location, amount, time or cardholder group. These controls help companies manage costs, enforce policies and prevent misuse. → [Fraud Management](https://enfuce.com/product/fraud-management/) → [Advanced Spend Controls](https://enfuce.com/product/advanced-spend-controls/) - **Multi-country & multi-currency**: Enfuce supports card programmes across multiple countries and currencies (cross-border card programmes, multi-currency card issuing). This enables customers to operate internationally with unified infrastructure while meeting local compliance requirements. → [Multi-country Multi-currency](https://enfuce.com/product/multi-country-multi-currency/) - **BIN sponsorship**: Enfuce offers Bank Identification Number (BIN) sponsorship, which allows companies without their own banking licence to issue cards. BIN sponsorship (sometimes referred to as issuer identification number sponsorship or IIN sponsorship) provides access to global card networks and ensures regulatory compliance under Enfuce’s licence. Enfuce provides programme management services (programme lifecycle support) covering the lifecycle of card issuance. This includes onboarding, compliance, reporting, customer support tools and integration with customer systems. Customers can access dashboards and data feeds to track spending patterns, usage trends and performance of their programmes. → [BIN Sponsorship](https://enfuce.com/product/bin-sponsorship/) → [Migration Services](https://enfuce.com/services/migration/) - **Programme management**: Enfuce provides programme management services (programme lifecycle support) covering the lifecycle of card issuance. This includes onboarding, compliance, reporting, customer support tools and integration with customer systems. Enfuce offers migration services (portfolio migration, card migration) for companies moving existing card portfolios to its platform. This includes data migration, scheme certification, testing and continuity planning to ensure smooth transitions with minimal disruption. Enfuce delivers real-time reporting and analytics on card transactions (transaction insights, card analytics). Customers can access dashboards and data feeds to track spending patterns, usage trends and performance of their programmes. → [Programme Management](https://enfuce.com/product/programme-management/) → [Migration Services](https://enfuce.com/services/migration/) → [Card Programme Insights](https://enfuce.com/product/card-programme-insights/) - **All-in-one card**: Enfuce enables issuance of all-in-one cards (multi-purpose card, combined card solution) that combine multiple payment functions into a single card. These can support payments for different use cases such as fuel, EV charging, benefits and general expenses, while using spend controls and reporting to allocate costs correctly. This reduces the need for multiple separate cards. → [Fuel Card](https://enfuce.com/product/issue-payment-cards/fuel-card/) → [EV Charge Card](https://enfuce.com/product/issue-payment-cards/ev-charge-card/) → [Dual PAN Card](https://enfuce.com/product/issue-payment-cards/dual-pan-card/) --- ## Industries - **Fleet & Mobility**: Enfuce supports fleet and mobility providers by issuing fuel cards, EV charge cards and multi-use mobility cards. Services include advanced spend controls, real-time insights and digital-first experiences. Publicly known customers include Shuttel, which partnered with Enfuce to launch an open-loop mobility card accepted across multiple transport modes, and Octopus Electroverse, which launched an open-loop fleet payment solution for fleet expense management. → [Learn more](https://enfuce.com/payment-solutions/fleet-and-mobility/) - **Financial Services**: Enfuce serves banks, financial institutions and fintechs by providing card issuance, BIN sponsorship, credit solutions, fraud prevention and programme management. Customers can issue prepaid, debit and credit cards with advanced spend controls and multi-country support. Customers include Memo Bank, which chose Enfuce as its card issuing partner and Pleo, which launched a multicurrency business card solution → [Learn more](https://enfuce.com/financial-services/) - **Employee Benefits & Expense Management**: Enfuce works with companies in employee benefits and expense management by issuing prepaid cards that can be used for meal allowances, benefits and expenses. Advanced spend controls and reporting tools help employers manage usage. - Employee benefit cards (prepaid benefits programmes) → [Learn more](https://enfuce.com/payment-solutions/employee-benefit-card/) - Expense management cards → [Learn more](https://enfuce.com/payment-solutions/expense-management-card/) - **Nonprofits & Governmental Organisations**: Enfuce collaborates with non-profits and governmental bodies, such as the Finnish State Treasury, to enable aid distribution through prepaid cards with built-in spend controls. These programmes incorporate fraud prevention, dispute management and compliance to local and national regulatory requirements. → [Learn more](https://enfuce.com/payment-solutions/nonprofits-and-governments/) --- ## Customers Publicly named customers include: - Allpay ([payments specialist] - Indó [challenger bank) - Kvika Bank (commercial bank) - Memo Bank (digital bank) - Mynt (expense management) - Octopus Electroverse (EV charging network) - OKQ8 (fuel and mobility services) - Pleo (corporate spend management) - Swile ( employee benefits) - SEB Embedded (Banking as a Service) - Shuttel (mobility and transport services) - Simmin Pay (fintech) --- ## Resources - Website: [https://enfuce.com](https://enfuce.com) - Documentation: [https://docs.enfuce.com](https://docs.enfuce.com) - LinkedIn: [https://www.linkedin.com/company/enfuce](https://www.linkedin.com/company/enfuce) ~~~ ## llms-full ~~~text # Enfuce > One-stop shop for card issuing and payment processing ## Pages ### Credit Solution ### Financial Services ### Issue Payment Card ### BIN sponsorship ### Multi-country. Multi-currency ### Customer stories ### Fortitude Pledge ### FAQ section ### EV charge card ### Fuel card ### Fleet and mobility ### Migration ### Platform Excerpt: 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. ### Home ### E2 Dual PAN card ### Privacy notice for Enfuce UK payment card users ### Advanced spend controls ### News & Insights From Obligation to Opportunity: How Compliance Drives Business Growth Explore how strategic compliance done right can transform your business from the inside out.  Webinar | 26 June, 2025 | 13:00 BST Register to Watch Power up Your Business With Future-proofed Fleet Cards Join Fleet & Mobility experts from Enfuce to explore how Enfuce’s fuel and EV charge cards can become your competitive edge.  On-demand webinar Watch today The ROI of trust: The business case for smarter scam control Listen to our webinar where experts from Enfuce, Featurespace and Bank of Ireland explores how scam prevention can become your competitive edge. On-demand webinar Register to Watch Card programme - build or buy series When it comes to the question "Do you build or buy your card programme?" - even the experts have different POVs. Explore their opinions via our blog & video series. View all Press releases Learn more about payments, and sustainability through our free resources, and see what’s going on here at Enfuce View all Customer stories Learn more about payments, and sustainability through our free resources, and see what’s going on here at Enfuce View all Guides Learn more about payments, and sustainability through our free resources, and see what’s going on here at Enfuce View all Podcasts In the Hot Seat podcast asks tech and business leaders the questions you’ve always wanted to ask, from the f#ck ups to the fireworks. View all Webinars Learn more about payments, and sustainability through our free resources, and see what’s going on here at Enfuce View all All Insights Learn more about payments, and sustainability through our free resources, and see what’s going on here at Enfuce View all Excerpt: Learn more about payments, and sustainability through our free resources, and see what’s going on here at Enfuce ### Partners ### Cardbuilder ### MyCard ### UK Cardholders ### EEA Cardholders ### Services ### Careers at Enfuce ### Frequently Ask Questions | Careers at Enfuce ### Flexible ledger for credit programmes ### Alternative Lending ### Sustainability at Enfuce ### Tietosuoja ### Financial Inclusion: Nonprofit & Government Card ### In the Hot Seat podcast ### Digital banking ### Digital-first card experience ### Archive- Issue Payment Card ### Card Programme Insights ### Cookies Notice ### Cookie Table ### AWS Partner Site ### Privacy policy ### MyEnfuce ### Regulatory compliance ### Website Terms of Use ### Privacy and data protection ### First Aid Card ### Expense management ### Programme management ### Employee benefit ### Fraud Management ### Archive-BIN sponsorship ### Kids card ### 3D Secure ### Debit card ### Fintech ### Credit Card as a Service ### Banking ### Contact us ### Who we are ### MyApp ### Digital wallets ### Prepaid card ### Credit card ~~~