Yes.
An EU/UK AWS landing zone with in-market teams supporting programme design, implementation, and operations across the region.
The problem
A region full of opportunity, but only if your processor can keep up
Single-market fintechs are expanding cross-border. Programmes that started on prepaid or debit now need credit. Embedded finance platforms need a processing partner that can support multiple programme types, multiple currencies, and multiple markets without stitching together separate providers.
Most processors weren't built for that. Thredd was.
Why Thredd
In-market teams across the UK and Europe
So that programme design, scheme certification, and go-live happen with people who know the market, speak the language, and stay in the room long after launch.
Debit, credit, and prepaid on a single platform
So that programmes launching with one product today can add others without re-platforming or switching processors. Thredd already supports a number of credit propositions on the platform today.
A network of licensed partners across Europe
So that clients can be matched with the right BIN sponsor for their use case, their target market, and their preferred licensing approach — whether they hold their own licence or operate through a sponsored partner.
Local currency and multicurrency capability
So that programmes can issue in local currencies across European markets, from Sterling and Euro to Polish Zloty and beyond.
A real-time system of record, not just a ledger -
So that every balance, every transaction, and every programme rule is visible in real time across a single, auditable source of truth.
Modular by design
Start with core, scale with services so that programmes can start with core processing and layer in tokenisation, fraud monitoring, 3DS, and digital wallets as the business scales.
One global instance, multiple regions
So that a programme launching in the UK or Europe today can expand into the US, APAC, or Latin America under the same platform, same integration, same commercial relationship.
Explore our client success stories
See how we've helped businesses build and scale their payment programmes.
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Improving customer experienceAllica Bank, one-step ahead of fraud, compliant, and protecting their customers from scams.
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Processor migrationCaxton, helping seamlessly migrate 500,000 cards and stop fraud in its tracks.
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Navigating regulationCurrensea, breaking new ground to revolutionise travel money.
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Expanding globallyFidoo, enhancing its product ahead of European expansion.
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Improving customer experienceHolvi, supercharging small business banking using real-time data.
Proven at scale
The platform behind the UK and European operation isn't new.
It's where Thredd was built.
From prepaid pioneers to digital banks and embedded finance platforms — Thredd's heritage in this region runs deep. Over a billion transactions a year. 47 countries. Certified with Visa, Mastercard, and Discover. First to market with Visa Cloud Connect and Mastercard Dynamic Interchange.
The team matches the platform. In-market across the UK and Europe, with implementation teams who've navigated multi-market scheme certification and complex programme builds. They engage from pre-sales through go-live and beyond. Scoping programmes. Supporting expansion. Staying in the room long after the contract is signed.
Not a global processor treating Europe as secondary. One that started here.
Built for your programme
For fintechs scaling beyond debit
Most processors force a choice: prepaid, debit, or credit — not all three. Thredd runs them on a single platform. Adding credit doesn't mean adding a second processor, a second integration, or a second operations team.
For embedded finance platforms
Your end users should never see Thredd. Our API architecture is built for invisibility — flexible enough to power the card experience your customers expect without surfacing the infrastructure underneath.
For BaaS providers and aggregators
Thredd supports sub-client operational setups where each client's programmes are cleanly segregated — with independent rules, spending limits, card configurations, and transaction monitoring. No changes touching any other client's programme.
For banks exploring modernisation
Replacing a legacy processor is high-stakes. But modernisation doesn't always mean migration. Thredd can run alongside an existing processor to launch a net-new product into market — a sidecar proposition that lets you move without disrupting what already works. Rooster Money within NatWest is a strong example. And when full migration is the right path, Thredd's implementation model is built around confidence: structured onboarding, compliance groundwork completed before go-live, and a team that understands how banks operate.
Frequently asked questions
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Yes.
A single global client instance means new markets are a configuration change, not a re-implementation. Multiple clients have expanded across UK and European borders on the same integration.
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Visa, Mastercard, and Discover. Scheme certification, compliance, and local requirements are managed with in-market support.
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Yes.
The platform supports sub-client programme segregation with independent controls, enabling BIN sponsors, EMIs, and BaaS providers to manage programmes independently.
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Yes.
Thredd supports a number of credit propositions on the platform today, and can match-make clients with ecosystem partners to navigate the lending and regulatory landscape across UK and European markets.
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Same platform, same integration.
Three AWS landing zones cover Americas, EU/UK, and APAC. Several UK and European clients have already expanded globally on Thredd.
Ready to see what a modern processor looks like?
Talk to our UK and Europe team about your programme
