Transact Payments
Also a provider — view Transact Payments’s profile →“Can a Gibraltar/Malta-licensed EMI be the go-to BIN sponsor and program manager for European card-issuing fintechs?”
HQGibraltar
IndustryInfrastructure / BaaS
The story
Transact Payments Limited (TPL), trading as TransactPay, is a Gibraltar-regulated e-money institution that operates as a BaaS/card-issuing BIN sponsor for fintechs across Europe. Its Malta entity (Transact Payments Malta) serves the same role under MFSA authorization and Mastercard licensing — notably issuing the Moss corporate card. The company sits in the program-management and issuing layer of European embedded finance rather than building consumer-facing products.
Last 12 months
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Product timeline
0
Transact Payments Limited authorised by the Gibraltar Financial Services Commission as an e-money institution· regulatory
2021
Moss (German corporate card fintech) launches Mastercard issued by Transact Payments Malta· card
Regulated entities
2
regulatory licences held by Transact Payments
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
Same company
Transact Payments was analysed under more than one name on the same domain, so its stack is split across these dossiers. Each was analysed independently and may name providers the others do not.
The stack
3 layers disclosed in Transact Payments’s embedded-finance stack
Payments / PSP
Banking / BaaS
in the full report
Card issuing
in the full report
Accounting gap: none
2 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.