Transact Payments
“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.
The stack
3 layers disclosed in Transact Payments’s embedded-finance stack
Payments / PSP
Transact Payments (self-operated)
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.