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Transact Payments

Provider
Card IssuingBaaSSponsor Bank

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 9 companies across 3 categories.

transactpayments.com ↗Also analysed as a company — its own stack →
CategoriesCard Issuing, BaaS, Sponsor Bank
Rank#30 of 227 in Card Issuing
Buyers9 companies
HeadquartersGibraltar

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Founders & story · from Transact Payments’s own dossier

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.

Full dossier: Transact Payments’s own stack, layer by layer →
Who uses Transact Payments
9 companies disclose Transact Payments in their stack
TipaltiTymitTransactPaySokinYeeldPaycastOrendaYonderExpenseOnDemand
Buyer mix · 9 of 9 classified
Fintech / Consumer banking · 2Fintech / Cross-border payments · 2Infrastructure / BaaS · 2Fintech / Lending · 1Horizontal SaaS / Accounts Payable & Payments · 1Horizontal SaaS / Spend Management · 1
UK · 7US · 1
What the disclosures say
Tipalti
“UK Card Framework Contract at tipalti.com/en-eu/legal/uk-card-framework-contract/ states: 'debit Card issued by Transact Payments Limited (TransactPay)'. tipalti.com/expense-management/ mentions 'Support employee card spend and card transaction reconciliation across Mastercard, Visa, AmEx and Tipalti Card'.”
Tymit
“Privacy policy and credit terms explicitly name Transact Payments Limited (TPL), authorised and regulated by the Gibraltar Financial Services Commission (company number 108217), as the issuer of the payment card.”
Sokin
“IBS Intelligence publicly lists Sokin as a customer of Transact Payments: 'Sokin teams up with Transact Payments for the UK and Europe markets' (ibsintelligence.com).”
Yeeld
“Yeeld Companion Wallet and Visa Consumer Debit card issued by Transact Payments Limited pursuant to licence by Visa Europe Limited, per regulatory footer at yeeld.com and terms-and-conditions page.”
Paycast
“Digital Transactions article confirms Paycast Virtual Card issued by Transact Payments Ltd., leveraging Marqeta virtual card functionality.”
Orenda
“TPL Privacy Policy (orenda.finance domain) explicitly states: 'Transact Payments Limited (TPL) is the issuer of your account and card' and 'Orenda Financial Services Limited is the Program Manager for your account and card program.' Platform Agreement confirms the same structure.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Transact Payments? Claim this profile above to unlock your own full list.
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Alternatives to Transact Payments

Other Card Issuing providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Marqeta66 buyers →Stripe Issuing32 buyers →Enfuce25 buyers →Paymentology23 buyers →Sutton Bank21 buyers →Pliant20 buyers →Galileo19 buyers →i2c17 buyers →
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Ranked #30 of 227 in Card Issuing — Embedded Finance Index 2026
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Transact Payments — frequently asked

Which companies use Transact Payments?

9 companies are linked to Transact Payments in the Embedded Finance Index 2026, through their own public disclosures or Transact Payments's published customer list, including Tipalti, Tymit, TransactPay, Sokin, Yeeld, Paycast, Orenda, Yonder and ExpenseOnDemand.

What does Transact Payments do?

Transact Payments is an embedded-finance provider in Card Issuing, BaaS and Sponsor Bank. It ranks #30 of 227 Card Issuing providers by linked companies.

What are the alternatives to Transact Payments?

The most-named Card Issuing alternatives to Transact Payments are Marqeta (66 buyers), Stripe Issuing (32 buyers), Enfuce (25 buyers), Paymentology (23 buyers), Sutton Bank (21 buyers) and Pliant (20 buyers).

Where is Transact Payments headquartered?

Transact Payments is headquartered in Gibraltar.

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