“Can a Polish ATM and payment processing outsourcer become the embedded card-issuing and transaction processing infrastructure layer for European fintechs and banks?”
Founded in 2008 as a payment outsourcing specialist for Polish banks, ITCARD grew into one of Poland's largest processors of ATM and electronic payment transactions. After joining the SIBS Group, it expanded geographically into the Czech Republic and started offering embedded finance infrastructure services to fintechs via ITCARD Lab — providing White Label card issuance, Full BIN Sponsoring, and Cobrand models. This positions ITCARD as both an operator (Planet Cash ATMs, Planet Pay POS) and an infrastructure provider to third-party fintechs seeking card-issuing capabilities.
Itcard processes payments through BLIK (self-operated processing), Apple Pay (self-operated processing) and Google Pay (self-operated processing).
Itcard's cards are issued through Itcard (self-operated, BIN sponsoring via ITCARD Lab).
The Embedded Finance Index 2026 maps 2 layers in Itcard's stack: Payments / PSP (BLIK (self-operated processing), Apple Pay (self-operated processing) and Google Pay (self-operated processing)); Card issuing (Itcard (self-operated, BIN sponsoring via ITCARD Lab)).
Itcard is founded in 2008 and headquartered in Warsaw, Poland.
Get a read on where your own stack stands against Itcard 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.