“Can BPC turn SmartVista into the go-to white-label embedded payment and digital banking infrastructure platform for financial institutions and fintechs in underserved and emerging markets?”
BPC began as a banking and payments technology vendor delivering on-premise software under the SmartVista brand to financial institutions across emerging and developed markets. Over 27+ years it evolved into a full end-to-end payment platform covering issuing, acquiring, switching, digital banking, open banking APIs, digital lending, BNPL and microfinance — available on-premise, PaaS and SaaS. The company subsequently launched BPC Payment Service as a white-label managed-service product wrapping SmartVista for PSPs, fintechs and banks that want outsourced processing. The strategic pivot is toward embedded-finance platform delivery: selling SmartVista as the infrastructure layer to help banks and fintechs offer embedded payment, lending and banking experiences inside third-party apps and super-apps.
Bpcs Smartvista discloses SmartVista (self-operated) as its banking provider, according to the Embedded Finance Index 2026.
Bpcs Smartvista does not disclose a bank charter of its own; its banking services are provided through SmartVista (self-operated).
Bpcs Smartvista processes payments through SmartVista Switch (self-operated), SmartVista Merchant Management / Acquiring (self-operated), SmartVista Payment Orchestration (self-operated) and BPC Payment Service (self-operated white-label managed service).
Bpcs Smartvista's cards are issued through SmartVista Issuing (self-operated).
The Embedded Finance Index 2026 maps 4 layers in Bpcs Smartvista's stack: Payments / PSP (SmartVista Switch (self-operated), SmartVista Merchant Management / Acquiring (self-operated), SmartVista Payment Orchestration (self-operated) and BPC Payment Service (self-operated white-label managed service)); Banking / BaaS (SmartVista (self-operated)); Card issuing (SmartVista Issuing (self-operated)); Lending (SmartVista Digital Lending, SmartVista Buy Now Pay Later (BNPL), SmartVista Microfinance, Debt Payment Programme (DPP) — instalment lifecycle management and 2 others).
Bpcs Smartvista is headquartered in Baar, Zug, Switzerland.
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