MFSA Licensed EMI · Malta
Fintech you can
trust.
One EMI Licence, Independent, Direct SEPA access, Built to say yes
Regulated IBAN accounts, card issuing, and cross-border payouts, built on direct European rails instead of correspondent banks.
Mastercard Principal Member
SWIFT Member
As featured in
Our Products
Everything you need.
Everything you need.
One relationship.
One licence. One point of contact.
EURO IBAN ACCOUNTS
A dedicated account that’s actually yours.
A ringfenced euro account under FinXP's MFSA licence: dedicated IBAN, no pooling.
- SEPA CT & SEPA Instant
- Ringfenced client funds
- Direct SEPA Access
- 24/7 online banking
MASTERCARD CARDS
Physical and virtual cards
Physical and virtual cards
linked to your IBAN.
Physical or virtual Mastercard cards, controlled in real time, linked to your IBAN4U account.
- Physical Mastercard
- Virtual cards
- Real-time spend controls
- Instant freeze & unfreeze
FINXP PLUS
130+ countries. 60+ currencies.
FinXP PLUS pays out to 130+ countries in 60+ currencies through direct local networks.
- 130+ countries
- 60+ currencies
- Local payout networks
- One contract, full reach
SEPA DIRECT DEBIT
Recurring euro collections,
Recurring euro collections,
on autopilot.
Collect subscription, invoice and scheduled euro payments through authorised customer mandates, across 41 European countries.
- Subscription & recurring fees
- Invoice collections
- Mandate-based pull payments
- 41 European countries
BANKING AS A SERVICE
Embed regulated banking
Embed regulated banking
via API.
White-label FinXP's EMI infrastructure: accounts, cards, and payouts under your brand.
- Regulated EMI infrastructure
- White-label ready
- API-first
- Compliance included
Your Payment Journey
A fintech with you.
A fintech with you.
Every step of the journey.
STEP 02
Cards
STEP 03
Collections
STEP 04
Payouts
STEP 05
Reporting & Compliance
FinXP is authorised as an Electronic Money Institution and regulated by the Malta Financial Services Authority. Read about trust and compliance
Trust in Traction
Built on precision,
Built on precision,
not promises.
Every account sits behind full regulatory safeguarding, not a promise on a pitch deck.
Twelve years of processing on our own European rails, with no dependency on intermediary banks.
One licence. One compliance framework. Every product built on top of it.
€4B+
Processed annually
12
Years in operation
12K+
Accounts opened
Industries
Built for businesses
Built for businesses
traditional banking wasn’t designed for.
Fintechs, PSPs & Banks
Scale your payment infrastructure without building compliance from scratch.
Marketplaces & Platforms
Closed-loop payouts, IBAN settlement, and card issuing for platform operators.
Payroll & Contractors
Pay global workforces on time, in local currency, without intermediaries.
Digital Assets & Web3
Regulated IBAN accounts and card issuing for licensed digital asset businesses.
Affiliate Payouts & Partner Payments
Mass payouts to affiliates and publisher networks across 130+ countries.
Ad & Marketing Networks
Scalable infrastructure for global publisher payouts and recurring fee collection.
eCommerce Merchants
Accept payments everywhere, reduce checkout friction, and grow globally.
Crypto
Compliant fiat banking for licensed exchanges, custodians, and DeFi platforms.
Who We Serve
Your business model.
Your business model.
Our infrastructure.
FinXP doesn't fit your business into a category. Whether you're settling digital assets, paying global workforces, or running a marketplace, our infrastructure shapes itself around how you operate.
Fintechs & PSPs
Banking rails,
Banking rails,
not red tape.
Scale your payment infrastructure without building compliance from scratch. FinXP's EMI licence is your shortcut to production.
Explore Fintechs & PSPs →
Digital Asset Firms
Compliance built
Compliance built
into every account.
Regulated IBAN accounts and card issuing for licensed exchanges, custodians, and digital asset businesses operating across Europe.
Explore Digital Asset Firms →
Marketplaces & Platforms
Keep funds
Keep funds
in your ecosystem.
Closed-loop payouts to sellers and contractors in 130+ countries. IBAN settlement, SEPA collection, and card issuing under one roof.
Explore Marketplaces & Platforms →
Payroll Platforms
Every worker paid.
Every worker paid.
Every currency covered.
Pay global workforces on time, in local currency, without intermediaries. Cross-border payouts to 130+ countries from a single API.
Explore Payroll Platforms →
eCommerce & Affiliates
Scale your payout
Scale your payout
network globally.
Mass payouts for affiliate networks, merchants, and digital commerce. One gateway, 350+ payment methods, zero friction.
View all Industries →What our clients say
“
As the CEO of an EU based Acquirer, it is always comforting to work with partners that are also regulated within the EU. I am proud to have FinXP as one of our trusted partners and look forward to continue building on the existing relationship that is based on mutual trust and professionalism.
Steve Grech
CEO · acquiring.com
“
From the start of our partnership in 2018, we found FinXP very efficient and pragmatic. Their professionalism and knowledge of the payment ecosystem has really helped us elevate our services. Their team offer very good advice and their processes are smooth and diligent. I can definitely recommend their services.
Mickael Marceau
Head of Payments · Kindred Group plc
“
The Megalon Group AG has expressed great satisfaction with the collaboration, adaptability, and high service quality. FinXP has demonstrated remarkable professionalism. Brainstorming solutions and possibilities with them has been a pleasure!
Andreas Meyer
Board of Directors · Megalon Group
Trusted by established brands
Mastercard
KINDRED
ONE.IO
SHIFT4
Better Payment
×Money
As seen in
Finextra
The Paypers
Sifted
The Fintech Times
Insights & Case Studies
Case studies, guides
View all case studies →
Case studies, guides
and industry perspectives.
MFSA Licensed EMI · Malta
The trusted payments partner
you can rely on
Ready to move beyond the limitations of traditional banking? Let's find the right solution for your business.