Your out of the box fintech solution

Embed financial services in your product or launch a best-in-class digital banking app with our white label platform.

Let's talk Fintech

300 000+

Personal and business accounts opened by our clients.
Join the club



time to market



of launching and operating financial services

Connecting to the right partners for issuing, acquiring, payment accounts, money transfer is a huge effort. Deploying the technology stack, taking necessary certifications needs valuable resources and critical time. We have done all this so you can mitigate the risk and enjoy the benefits of employing financial services.

Seamless technology

delivering delightful customer experiences while matching highest security and compliance standards


enabling you to fulfil a variety of use cases with no hassle

Stay focused on driving results

we take care of your technology and access to the financial infrastructure

phyre off your desirable set of features

Just pick from а variety of building blocks and complete a set of components to build your financial services game. It's up to you to mix and match different features according to your business goals. Easy like playing lego.

Personal Accounts

Open IBAN accounts in EUR, GBP, and BGN for retail customers across the EU and the UK for minutes.

Business Accounts

Open business IBAN accounts in EUR, GBP, and BGN for customers across the EU and the UK.

Card issuing

Issue debit and prepaid, plastic and virtual, corporate and personal cards instantly. We support both Visa and Mastercard. Full management control available: block & unblock, destroy, display credentials.

Apple and Google Pay

Tokenise your card in Apple and Google Pay or turn your app into a mobile payment application with our proprietary solution. Push provisioning certified SDK for GPAY and Apple Pay is available that cuts the development and total time to market with months.

Credit as a Service

Expose your credit offering by integrating with our credit as a service module or implement credits offered by the like of BNP Paribas in your solution.

P2P and Bank Transfers

Send and receive instant P2P, B2P, and SEPA transfers. FasterPay and SWIFT are coming soon.

QR Payments

Accept and make instant QR code close-loop transfers powered by proprietary tokenisation technology.

Loyalty and Rewards

Easily configure your cash-back program. Send digital vouchers. Grow with a highly configurable referral program. Issue digital loyalty cards or digitalise plastic cards - we have your back.

Top Up: Cards, Bank Transfer, API

Top-up accounts easily via our PCI certified card top-up SDK, accept wire transfer top-ups via unique rather than bulk IBAN accounts or just use or top-up API to integrate your unique top-up method like cash-registers, kiosk or any other.

White Label

Get your best-in-class mobile banking using our white-label solution.

Embedded Finance

Embed our fintech modules in your mobile application, web platform or back-office system

Request access and get your environment setup
Select the components you would like to incorporate
Integrate the components
Done! Launch when ready.

Single platform - a variety of solutions

No matter your industry. If you plan to launch fintech services to decrease cost by optimising internal payment processes or increase revenues and customers satisfaction by expanding your end-customers proposition - we got you covered. Our feature-rich and flexible platform will meet your unique needs.

digital bank

Launch a fully fledged digital bank from scratch for just a couple of months.

SME lending

Source funds instantly via virtual and physical corporate cards and mitigate risk by monitoring spending and control categories.

consumer Lending

Enable end-to-end digital experience by offering payment accounts, debit cards and BNPL options.

Incentives and Rewards

Manage hassle-free, optimise cost and bring delightful experience with tokenisable cards delivered instantly.

Gig Economy

Every day should be a payday! It's easy - automate your payroll process and offer a best-in-class banking app to your gig economy workforce.

Insurance Claims

Optimise your claims payment and delight your customers by delivering a seamless experience.

A partner you can trust


Product: A1 Wallet | White Label

As a Telecom entering the fintech scene it was extremely important to find a vendor who can support us end-to-end: from access to the payment services and financial eco-system to frictionless technology and great UX. phyre’s fintech-in-a-box enabled the launch of A1 Wallet in just several months, the flexibility of the platform allowed us to integrate it with core Telco offerings to shape a unique proposition driving customer satisfaction, loyalty, and retention.

Yana Yankova
Senior Manager Fintech & Digital Solutions
BACB logo

Product: bacb pay | White Label

BACB wanted to broaden the portfolio of services to its clients by offering them the possibility to use their phones for contactless payments and instant P2P payments to any mobile number in the country. We have opted for white-label solution from phyre, counting on the proven technology, excellent UI, and the broad experience of the team. The entire project was completed in under three months and within the budget. During the setup period and in the following months when we started onboarding the first clients, phyre demonstrated a high level of openness, professionalism, and shared experience on the most optimal ways to operate the platform.
Overall, very satisfying, and professional partnership.

Alexander Dimitrov
Chief Executive Officer and Мember of the Management Board

Product: card tokenization | embedded finance

Thanks to the dedication of the phyre team and their effort going the extra mile, we have delivered a ground-breaking world-first app and a great working relationship. We look forward to delivering more great projects together. Thank you, phyre team!

Tara Spielhagen Hale
Chief Executive Officer

Unbox your potential

Let's talk Fintech
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