Enfuce is a leading global card issuer and payment processor that provides a modular, cloud-based Card-as-a-Service (CaaS) platform for modern and feature-rich card and payment solutions, handling every aspect of card issuing and payments processing to help businesses scale their transformation programmes quickly and easily anywhere in the world. Founded in 2016 by five financial service professionals as a female-founded and led company (CEO & Co-founder Denise Johansson, CTO & Co-founder Niklas Apellund), Enfuce was created to revolutionise payments with a cloud-based processing system that had the speed, ease, and capabilities to allow any business to start issuing cards that made a difference.
Enfuce is headquartered in Espoo, Finland (Metsänneidonkuja 12, 02130 Espoo) with additional offices in Mariehamn, Finland (Elverksgatan 10, 22100 Mariehamn) and London, UK (Aldgate Tower, 2 Leman Street, London E1 8FA), and has grown to 150+ experts across these locations. The company holds both an Electronic Money Institution (EMI) license from the Finnish Financial Supervisory Authority and authorization from the UK’s Financial Conduct Authority (FCA), enabling operations across Europe and the UK, and is one of Finland’s most valuable scaleups. Enfuce is the first financial service provider in the world to be PCI-DSS certified while running its service in the public cloud, with a PCI-DSS certified platform guaranteeing 99.999% uptime, global scalability, and card scheme connectivity.
The platform supports debit, credit, prepaid, gift, fleet, and fuel card programmes in any form for consumer, commercial, and B2B applications, offering white-labelled technology and in-house experts to help companies create scalable payment solutions with ease. Key features include open banking compliance, carbon footprint measurement services for sustainability, and the Fortitude Pledge—a bold commitment to eliminating financial crime risk across all transactions, setting a new benchmark for compliance and integrity in the payments industry.