Flexible Infrastructure Adapted to the New Realities of the Global Market
Payca Group orchestrates global payment flows - card issuing, IBANs, APIs, and on/off-ramp - across regulated jurisdictions.
A complete payments stack
Four core products, built to interoperate across regulated corridors.
Card Issuing
Prepaid and virtual cards across 7 BIN sponsor integrations. Multi-currency, multi-jurisdiction, ready to scale.
vIBAN as a Service
Dedicated EUR and USD virtual IBANs with SEPA and SWIFT support. Segregated client accounts, real-time reconciliation.
API & White-Label
REST API with idempotency keys, webhooks, and full sandbox environment. White-label ready with bilingual documentation.
On/Off-Ramp
USDT, BTC, ETH to fiat conversion with verified wallet screening and transaction monitoring.
Built in-house. Production-ready.
app.payca.vc - a live platform powering card programs, KYC workflows, and treasury operations.
Regulated infrastructure. Global reach.
Tier-1 banking rails
FCA and AMF regulated banking partners across UK, EU, and North America.
Multiple BIN Sponsor Integrations
Active card issuing across APAC and European corridors.
3 Jurisdictions
Operational entities in EU, Canada, and Asia-Pacific.
Compliance is infrastructure.
Payca Group maintains a dedicated MLRO function and internal AML compliance department. AML policies are subject to independent external audit. Transaction monitoring for Parex Finance Inc. is conducted under FINTRAC MSB licence C10001707.
FINTRAC MSB C10001707 + RPAA (Bank of Canada, in progress)
Parex Finance Inc., Canada
EU Operations - Actisas OÜ
reg. 16787203, Tallinn, Estonia
BCB Group Banking
FCA & AMF regulated - segregated client accounts EUR/USD
MLRO: Evaldas Jurevicius
ICA Certificate with Merit in Financial Crime Prevention
External AML Review
Independent periodic audit of AML policies and procedures
Two regulated entities. One group.
Actisas OÜ
Estonia (EU)Reg. 16787203 - EU commercial operations, merchant contracting, KYB/AML.
Parex Finance Inc.
CanadaMSB C10001707 - Regulated financial entity, banking infrastructure, FX operations.
Partner with Payca Group
Payca Group operates as a merchant-facing intermediary within structured sub-PayFac and ISO frameworks. We perform end-to-end merchant KYB/AML onboarding, hold signed merchant agreements, and manage settlement operations - enabling acquiring partners to scale merchant portfolios without absorbing direct onboarding risk.
What we bring to a partnership
Regulated entity structure
Actisas OÜ (EU, Estonia) as merchant-contracting entity; Parex Finance Inc. (Canada, FINTRAC MSB C10001707 + RPAA in progress with Bank of Canada) as regulated financial backbone.
Dedicated MLRO
ICA Certificate with Merit in Financial Crime Prevention - full KYB/AML stack operated in-house.
BCB Group banking infrastructure
FCA & AMF regulated, UK - active contract, segregated client accounts in EUR and USD.
Signed merchant agreements
With non-solicitation, data confidentiality, and merchant ownership protections.
Independent external AML audit
Policies subject to periodic third-party review.
What we are looking for
Licensed acquirers, card network sponsors, and regulated EMIs open to intermediary partnership - sub-PayFac or ISO structure where Payca Group holds the merchant relationship and the acquiring partner provides card network access and master MID.
To discuss a partnership
compliance@payca.vcLet's talk.
We work with payment processors, BIN sponsors, banking partners, and regulated financial institutions.
info@payca.vc