BPC

What BPC does

BPC AG is a Swiss-headquartered, privately held payments technology company founded in 1996 that builds and operates SmartVista, a modular, API-driven, cloud-native platform spanning card management, fraud prevention, digital banking, payment switching, real-time payments, eWallets, merchant acquiring, and commerce. The platform supports on-premise, cloud, and SaaS deployments and underpins SmartVista services marketed as "X-as-a-Service" (Switch, Fraud Management, POS Acquiring, ATM Acquiring, Card Issuing, E-commerce). BPC serves over 500 financial institutions, fintechs, payment service providers, central banks, governments, and transport operators across 140+ countries, processing roughly 30 million transactions daily and a $52 billion annual payment volume baseline as of 2021. The company's go-to-market is enterprise field sales with implementation engineering, supported by 17+ regional offices across Europe, MEA, Asia Pacific, and the Americas, alongside a developer portal and sandbox for API-led onboarding. Revenue is generated through multi-year enterprise licensing and SaaS subscriptions, managed services, transaction-based fees (notably via the new BPC Payments Latin America business line launched in 2026), and professional services for implementation and customization; pricing is quote-based and tailored to deployment model, scope, and volume. The customer base spans tier-1 banks (Banca Transilvania, Habib Metropolitan, BanCoppel, Meezan, tbi bank, Jordan Kuwait Bank), national payment switches (EthSwitch, LankaPay-affiliated), digital banks (GoTymeBank with 12M+ customers), and fintechs (Payful), with active expansion into mobility (O-CITY sub-brand), digital identity (EU Digital Identity Wallet pilot), and Latin American merchant acquiring.

Name

BPC

Legal name

BPC AG

Website

https://bpcbt.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

501–1,000 employees

Short description

BPC AG, founded in 1996 and headquartered in Switzerland, is a global payments technology company that builds the modular SmartVista platform for card management, fraud prevention, digital banking, switching, and real-time payments, serving 500+ banks, fintechs, central banks, and merchants across 140+ countries.

Ownership category

akta.pro rank

Product category

Payment Processing Software

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)

akta.pro secondary industries

BNPL Card / Virtual Card Programs (FSAKACAC), Buy Now, Pay Later (BNPL) Platforms (BPAMAFAG), A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB)

Keywords

• Payment processing platforms
• Card management systems
• Digital banking software
• Fraud management solutions
• Real-time payment infrastructure

Headquarters

HQ city

Baar

HQ country

Switzerland

HQ region

Europe

Offices17 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Platform Licensing & SaaS: BPC offers its SmartVista platform through various deployment models including on-premise licensing, cloud deployment, and Software-as-a-Service. The platform supports card management, fraud prevention, digital banking, and payment processing for financial institutions globally.
2. Managed Services: BPC provides end-to-end managed services including Switch as a Service, Fraud Management as a Service, POS Acquiring as a Service, ATM Acquiring as a Service, and Card Issuing and Management as a Service - delivering operational services rather than just software licenses.
3. API-based Transaction Processing: BPC Payments Latin America offers digital commerce and real-time money movement through single API integrations, charging transaction fees for payment processing across cards, bank transfers, digital wallets, QR payments and instant disbursements.
4. Professional Services & Implementation: Implementation engineering, customization, and consulting services for deploying SmartVista solutions across banks, fintechs, and payment service providers.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

BPC designs and sells the SmartVista platform, a modular, API-driven, cloud-native payments, banking and commerce platform covering card management, fraud management, digital banking, payment switching, real-time payments, acquiring, merchant management, SoftPOS, eWallets, loyalty, BNPL, and government payments. It is delivered on-premise, in the cloud, or as SaaS, with optional managed "as-a-Service" operations, and serves banks, neobanks, fintechs, payment service providers, central banks, governments, and transport operators across 140+ countries.

Product overview

BPC offers SmartVista, a modular, API-driven, cloud-native platform for payments, banking, and commerce. The platform consolidates card issuance, fraud management, loyalty programs, dispute handling, digital banking, and more within a single system. Key modules include SmartVista Card Management, SmartVista Fraud Management, SmartVista Digital Banking, SmartVista API Banking, SmartVista Real-time Payments, SmartVista Switch, SmartVista ATM Management, SmartVista Payment Hub, SmartVista eCommerce, SmartVista ACS, SmartVista Buy Now Pay Later, SmartVista Merchant Management, SmartVista SoftPOS/Tap-to-Phone, SmartVista EWallet, SmartVista Microfinance, SmartVista Agent Banking, SmartVista Loyalty, SmartVista Automated Fare Collection, SmartVista QR Payments, SmartVista Tippay, SmartVista Billing & Invoicing, SmartVista Digital Lending, SmartVista Marketplace, SmartVista Shopping Cart, SmartVista Issuing, SmartVista Acquiring, SmartVista eGovernment, SmartVista Integration Platform, and SmartVista Payment Orchestration. The company also provides AI-powered solutions including AI Virtual Assistant and AI Recommendations, along with Mobility-as-a-Service through O-CITY. BPC serves over 500 customers across 140+ countries with deployments in banking, fintech, government, and transport sectors.

Differentiator

Problem solved

Functional benefit

Brands

• SmartVista: BPC's flagship payments, banking, and commerce technology platform that encompasses card management, fraud management, digital banking, and various payment solutions.
• Radar Payments
• O-CITY

Products and services

• SmartVista Platform End-to-end modular payments, banking and commerce platform delivered on-premise, in the cloud, or as SaaS, targeting banks, neobanks, fintechs, PSPs, central banks, governments, and merchants.
• SmartVista Card Management Comprehensive card management system for issuing and managing physical, contactless, and virtual cards across all payment types, supporting card lifecycle, products, and propositions.
• SmartVista Fraud Management Real-time fraud detection and prevention solution using AI, machine learning, behavioral profiling, configurable rules engines, and risk-based authentication across omnichannel transactions.
• SmartVista Digital Banking & Super Apps Digital banking platform enabling banks to launch mobile banking apps and Super Apps with multi-currency support, open APIs, and modular architecture for SME banking, expats, students, and lifestyle services.
• SmartVista API Banking Full API management solution including developer portal, monitoring, request throttling, and security for open banking implementations and integrations.
• SmartVista Real-Time Payments Instant payment platform enabling real-time money transfers, account-to-account payments, wallet-to-wallet transfers, QR-based merchant payments, and bulk payments.
• SmartVista Switch Payment switching solution connecting POS terminals and ATMs with electronic and mobile payments, supporting multiple schemes, flexible routing, stand-in authorization, and PSD2/SCA/ISO20022 compliance.
• SmartVista SoftPOS / Tap-to-Phone Turns smartphones and tablets into payment terminals, allowing merchants to accept contactless EMV cards, NFC devices, and QR codes without dedicated hardware.
• SmartVista Merchant Management Comprehensive merchant management solution for POS, SoftPOS, eCommerce and QR-based payments, with service level management tools and merchant onboarding.
• SmartVista Issuing Card issuing solution for physical, metal, contactless, and fully virtual cards across various devices, supporting instant issuance and tokenisation.
• SmartVista Acquiring Merchant acquiring services for POS, SoftPOS, eCommerce and ATM with customized offerings and cash management for PSPs and acquirers.
• Switch as a Service SaaS payment switching service supporting multiple networks including Visa, Mastercard, Amex, Discover, CUP, Diners Club, Pulse, SEPA, and JCB with flexible routing and authorization.
• Card Issuing and Management as a Service End-to-end card issuance and management SaaS offering efficient card issuance, seamless payment operations, tokenisation security, and customer connectivity.
• Fraud Management as a Service Real-time fraud detection SaaS leveraging advanced analytics and machine learning with risk-based authentication and multi-institutional security.
• POS Acquiring as a Service Terminal network management service for PSPs and merchants enabling seamless transactions with diverse payment method acceptance.
• ATM Acquiring as a Service 24/7 ATM network operations with modern transactional support, tailored configurations, and remote control capabilities.
• E-commerce as a Service White-label eCommerce platform for secure online transactions with flexible payment methods and rapid merchant onboarding.
• BPC AI Virtual Assistant AI-powered virtual assistant using NLP and ML for 24/7 customer support with multilingual capabilities, voice accessibility, and large dataset analysis.
• BPC AI Recommendations Hyper-personalization engine using analytics and ML to analyze customer behavior, build audience segments, and deliver real-time recommendations across CRM, loyalty, and channels.
• O-CITY Mobility-as-a-Service platform enabling cashless, intermodal urban mobility across cities, supporting automated fare collection and ticketing integrations.
• BPC Payments (Latin America) Unified cloud-native platform for digital commerce and real-time money movement across Latin America, supporting cards, bank transfers, digital wallets, QR payments, and instant disbursements via single API.
• Payful Visa Charge Cards on BPC Platform Cloud-native Visa charge card programme enabling merchants to manage business spending through virtual Visa charge cards with real-time visibility, fraud protection, and direct linking to settlement funds.
• EthioPay-IPS (EthSwitch National Instant Payments) Domestic instant payment system enabling real-time money transfers between banks and licensed payment providers, supporting account-to-account and wallet-to-wallet transfers, QR-based merchant payments, alias-based transfers, and bulk payments.
• EU Digital Identity Wallet Payment (Banca Transilvania pilot) EU Digital Identity Wallet payment capability enabling card credentials to be stored in a digital wallet for real-money transactions compliant with the EU's eIDAS 2 regulation.

Quantifiable outcome

• Habib Metropolitan Bank processes 3.2 million daily transactions with SmartVista upgrade
• +4 more outcomes

Named customers14 records

Segments7 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability7 records

Feature6 records

Partnerships

Three partnerships are on record, tiered core and flagship.

• LankaPaycoreStrategic or Co-development Partner · 24 March 2026BPC came on board as a Strategic Partner for the LankaPay Technnovation Awards 2026, sharing a vision of expanding access to financial services and driving innovation across Sri Lanka's digital payment ecosystem. The partnership aligns BPC with Sri Lanka's national payment infrastructure development.
• National Bank of EthiopiacoreTechnology or Integration · 1 February 2026EthSwitch's instant payment platform EthioPay-IPS, built on BPC's SmartVista technology and owned by the National Bank of Ethiopia alongside financial institutions, enables real-time transfers, QR payments, and interoperable transactions across Ethiopia's digital finance ecosystem.
• EU Digital Wallet ConsortiumflagshipStrategic or Co-development Partner · 1 March 2025Banca Transilvania and BPC completed Romania's first EU Digital Identity Wallet pilot processing the EU Digital Wallet Consortium's first real-money transaction - a ferry ticket purchased using a Banca Transilvania virtual card with digital credentials stored in the wallet. This project supports EU's eIDAS 2 regulation.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Temenos: Swiss-headquartered banking software vendor offering core banking, digital banking, and payments platforms to banks globally. Most direct competitor to BPC's SmartVista platform given overlapping product scope (core/digital banking, cards, payments) and similar enterprise bank customer base.
• Mambu: Cloud-native banking-as-a-service platform providing core banking, lending, and digital banking infrastructure to neobanks and incumbent banks. Direct competitor to BPC's digital banking, digital lending, and BaaS-style offerings.
• Marqeta: Cloud-native card issuing and payment processing platform serving fintechs and digital banks. Direct competitor to SmartVista Issuing and Card Management, particularly for new-economy issuers like GoTymeBank-style neobanks.
• Thought Machine: Cloud-native core banking vendor offering Vault platform to global Tier-1 banks. Direct competitor in digital banking and cloud-native core modernization RFPs alongside BPC's SmartVista Digital Banking.
• Rapyd: Embedded payments and fintech-as-a-service platform offering card issuing, acquiring, and cross-border payouts via APIs. Comparable to BPC's BPC Payments LatAm line and SmartVista Issuing/Switch on embedded fintech use cases.
• Galileo Financial Technologies: Payment processing and card issuing platform owned by SoFi, serving fintechs and banks with API-based infrastructure. Comparable to BPC's API Banking, Issuing, and Switch modules for fintech and embedded banking customers.

Broad incumbents

• FIS: Large incumbent financial technology vendor offering card issuing, payment processing, and core banking across the full bank value chain. Overlaps with BPC's card management, fraud, and switch offerings but as part of a much broader portfolio.
• Fiserv: Global payments and banking technology incumbent with merchant acquiring, card issuing, and digital banking capabilities. Broad incumbent competitor across most of BPC's product portfolio.
• Worldline: European-headquartered payments and merchant services incumbent with issuing, acquiring, and digital payments capabilities. Competes with BPC in European bank and PSP RFPs, particularly for switch and acquiring.

Regional players

• Network International: MEA-focused payment processor and card management vendor serving banks and merchants across the Middle East and Africa. Most direct regional competitor given overlapping geographies with BPC's strongest markets (UAE HQ, MEA focus).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/bpc_smartvista
• Facebookfacebook.com/BpcBankingSolutions
• LinkedInlinkedin.com/company/bpc-banking-technologies

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about BPC