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Bpcs Smartvista

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?

HQBaar, Zug, Switzerland
IndustryInfrastructure / Payments
The story

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.

Last 12 months
The stack
4 layers disclosed in Bpcs Smartvista’s embedded-finance stack
Payments / PSP
SmartVista Switch (self-operated)SmartVista Merchant Management / Acquiring (self-operated)SmartVista Payment Orchestration (self-operated)BPC Payment Service (self-operated white-label managed service)
Banking / BaaS
in the full report
Card issuing
in the full report
Lending
in the full report
Accounting gap: none
8 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.