Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 9 companies across 4 categories.
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Paynetics is a Bulgaria-founded, dual-regulated (EU EMI + UK FCA EMI) embedded finance infrastructure provider offering accounts, IBANs, card issuing as Visa/Mastercard principal member, acquiring, and BIN sponsorship. Originally a payments processor and acquirer, it has positioned itself as an end-to-end BaaS platform for fintechs and PSPs across Europe, expanding to the UK and acquiring Novus in 2024.
Other BaaS providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/paynetics/install" width="1" height="1" alt="" style="display:none">9 companies are linked to Paynetics in the Embedded Finance Index 2026, through their own public disclosures or Paynetics's published customer list, including Tell Money, Thames, Viber Pay, Viber, SocialCard, Rakuten Viber, Numarqe, Payhawk and Swiipr.
Paynetics is an embedded-finance provider in BaaS, PSP, Card Issuing and FX / Payouts. It ranks #49 of 340 BaaS providers by linked companies.
The most-named BaaS alternatives to Paynetics are Evolve Bank & Trust (71 buyers), Sutton Bank (63 buyers), Cross River (56 buyers), Pathward (48 buyers), ClearBank (39 buyers) and Thread Bank (35 buyers).
Paynetics was founded by Ivo Gueorguiev and is headquartered in Sofia, Bulgaria.
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