“Can a cloud-native issuer-processor become the default global card infrastructure for banks, fintechs, and digital banks outside the US?”
Paymentology is a global issuer processor that enables fintechs, digital banks and retail banks to launch, manage and scale card programmes around the world. Built on Lume, the platform for growth, Paymentology processes billions of transactions for clients globally, across 65+ countries and 14 time zones. With a deep understanding of local markets and the scale of a truly global operating footprint, Paymentology combines regional expertise with the flexibility clients need to build momentum, enter new markets and unlock unstoppable growth. In 2026 it raised $175M from Apis Partners and Aspirity Partners to scale globally.
Paymentology processes payments through Paymentology (self-operated issuer-processor) and global payments.
Paymentology's cards are issued through Paymentology (in-house) and paymentology on the Visa, Mastercard and UnionPay networks.
Paymentology's lending and capital products are provided by Paymentology PayCredit (in-house).
Paymentology runs its ledger on Paymentology Banking.Live (in-house).
Paymentology uses Paymentology multi-currency (in-house) for FX and cross-border payouts.
Paymentology's crypto products run on Paymentology (in-house crypto & stablecoin card issuing).
The Embedded Finance Index 2026 maps 9 layers in Paymentology's stack: Payments / PSP (Paymentology (self-operated issuer-processor) and global payments); Card issuing (Paymentology (in-house) and paymentology); Card network (Visa, Mastercard and UnionPay); Ledger (Paymentology Banking.Live (in-house)); Lending (Paymentology PayCredit (in-house)); FX & payouts (Paymentology multi-currency (in-house)); Crypto (Paymentology (in-house crypto & stablecoin card issuing)); Spend / AP (Paymentology expense management (in-house)); Transaction enrichment (Paymentology Data Intelligence (in-house)).
Paymentology is founded in 2014 and headquartered in London, United Kingdom.
Get a read on where your own stack stands against Paymentology 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.