“Can a Czech payment institution become the all-in-one spend management and FX payments OS for Central European SMBs by combining corporate cards, expense automation, and open banking APIs?”
Fidoo started as a Czech corporate expense management and business card solution, subsequently obtaining a payment institution licence from the Czech National Bank under the entity Direct Fidoo Payments s.r.o. The company expanded its embedded finance stack by adding FX and foreign payment services and building out a PSD2-compliant open banking developer portal. Part of the broader Direct FAMILY / Vigo group, Fidoo has evolved from a simple expense card tool into a multi-product spend management and payments platform for Czech SMBs and corporates, integrating deeply with domestic accounting software.
Fidoo's cards are issued through Thredd.
Fidoo integrates with Money S3, Money S4, Money S5, Pohoda, Helios, iNuvio and Microsoft Dynamics NAV.
The Embedded Finance Index 2026 maps 2 layers in Fidoo's stack: Card issuing (Thredd); Accounting (Money S3, Money S4, Money S5, Pohoda and 3 others).
Fidoo is headquartered in Prague 7 – Holešovice, Czech Republic.
Get a read on where your own stack stands against Fidoo and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.