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We don’t do half-baked payment solutions

There are many ingredients to a successful international payment product. Not least because each territory often has its own legislation and regulations to comply with. So, whether you are an experienced program manager or a FinTech start-up you want to know that your BIN sponsor has the measure of things.

We pride ourselves on being the experts in our field and the most trusted business in our field. We never cut corners or make false promises. Instead, we steer clients towards compliance, helping them meet their objectives through a tailored and truly bespoke service.

Our licenses have been successfully Passported into the UK and EEA member states allowing us to issue prepaid, debit and credit card programs across Europe.

At Transact Payments we have built a reputation as the experts in payment and card solutions. We provide flexible UK and European BIN sponsorship and modular payment, debit, credit and prepaid services. We are licensed as e-money institutions to provide payments services in the UK and EEA, and also Principal Members of both Mastercard and Visa.


  • “W2 Global Data have been working in seamless partnership with Transact Payments Ltd for a number of years, providing ongoing identity verification services to support their eKYC regulatory requirements in the UK and Europe. These regulatory requirements are multiple and complex, but Transact Payments Ltd have repeatedly proven themselves to be skilled, knowledgeable and competent in delivering answers and solutions – as evidenced by the positive comments they consistently receive from their customers and other stakeholders."

    Warren Russell, W2 CEO
  • "Transact Payments Ltd is a highly valuable partner for our business. They grasp the complexities of the payment sector, and are always keen on collaborating with us to find effective solutions for our clients and for ourselves."

    Eric Mouilleron, Bankable CEO and Founder
  • "We moved away from a previous issuer to engage with TPL and we were immediately reassured by their approach and can-do attitude. The TPL team is very approachable and their knowledge and expertise throughout the process was impressive. We are now fully live with them and have been extremely satisfied with their support to date, we would not hesitate to recommend them to anyone else looking for a strong partner."

    Richard Ney​​, Chief Executive Officer, Lerex​ Technology​
  • "For over ten years, I have worked with some of the senior management of TPL on a number of complex prepaid programs. As I represent clients from throughout the EEA, the knowledge and experience TPL have on the European prepaid landscape proves invaluable to EU Prepaid and to my clients."

    David Carr, CEO, European Prepaid
  • "TagNitecrest has worked in partnership with TPL on many card programmes over the years. We find them extremely professional and a pleasure to deal with. They have a very capable and friendly implementation team with a wealth of experience in getting new programmes off the ground."

    Leeroy Pye, CEO, TagNitecrest

Meet the Team

The Transact Payments team, combine TPL and TPML that have a wealth of experience, built over the last 20 years, in providing expert solutions for our partners.

Aaron Carpenter

Chief Executive Officer TPL

Sergio Gandolfo

Chief Executive Officer TPML

Andrea Travis-Matthams

Chief Financial Officer

Louise Ayala-McCarthy

Director of Project Delivery

Noel Smith

Business Development Director

Carlos Guzman

Head of Service Operations

Joanne Deaves

Head of Client Relations

Susan Lemmon

HR Director

John Michael Mercieca

Financial Controller

Nikki Matozza

Projects Team Lead

Finding payment solutions.

Moving money quickly, efficiently and cost-effectively has never been more important to businesses and consumers. At Transact Payments we are committed to making the flow of funds around the UK and Europe a frictionless experience.

As e-money institutions we act as BIN sponsors to both regulated organisations and non-financial institutions looking to run prepaid debit and credit card programs. We can also provide clients with an end-to-end service and assist them in bringing a new product or service to market, either directly or through collaboration with trusted partners.

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