EU Corporate Card & Account Issuing
The Powerhouse for European Embedded Finance
Launch sophisticated corporate card and account solutions across all EU member states and the United Kingdom.
OTLRS provides the at-cost infrastructure and partner network for businesses to deploy powerful embedded finance solutions across Europe. Capitalize on the region's mature regulatory landscape and high demand for digital financial services with a platform built for speed, compliance, and scale.
The Challenge
Scaling Across a Unified but Complex Market
Europe and the UK represent one of the world's largest and most advanced economies. The UK's embedded finance market alone is projected to grow from $23.58 billion in 2024 to over $35 billion by 2030. While regulations like PSD2 have paved the way for open banking and fintech innovation, the operational complexity of launching and scaling a payment product across dozens of countries remains a significant hurdle.
Businesses must navigate a web of local partnerships, compliance nuances, and the technical challenges of building a truly pan-European solution. For companies looking to serve the SME sector in Central and Eastern Europe (CEE) or launch a corporate expense management tool across the EU, the path from concept to market is long and expensive.
A Unified Platform for a United Market
OTLRS provides a venture-building model that delivers a single, unified platform for card and account issuance across the entire European Union and the UK. We partner with leading local embedded finance providers and have engineered our infrastructure to leverage unique regulatory advantages.
A key example is the corporate card exemption from EU Interchange Fee Regulation (IFR) caps, which creates more profitable and sustainable business models for our partners. Whether you are launching a next-generation SME banking platform in Central and Eastern Europe or a corporate expense management solution in the UK, our at-cost infrastructure provides the foundation for success.
Key Features
Issue corporate cards and accounts across all EU member states and the UK through a single, integrated platform.
Leverage the corporate card exemption from EU IFR caps to build a high-margin interchange revenue stream into your business model.
Tap into our network of leading local partners and our team's deep expertise in building and scaling embedded finance solutions in the European market.
Our unique venture model provides the complete payment and compliance infrastructure at cost, giving you a significant competitive advantage.
Our platform is purpose-built to serve the needs of businesses, from digital-first SME wallets to sophisticated corporate expense and treasury management solutions.
Go to market in weeks with a solution that is fully compliant with regional and local regulations, including PSD2 and GDPR.
How It Works
step 01
Strategize Your European Entry
We work with you to design a product and go-to-market strategy that targets the most attractive segments within the European market.
step 02
Integrate with Our Unified API
Connect to our platform once to unlock card issuing, account creation, and payment processing across the entire region.
step 03
Launch with Localized Solutions
Deploy your service with the features and compliance needed to win in each local market, all managed from a central platform.
step 04
Scale Across the Continent
Seamlessly expand your footprint from the UK to the CEE, leveraging our scalable infrastructure and partner network.
Why?
Ready to Build the Future of European Fintech?
