Austria Card

What Austria Card does

AUSTRIACARD HOLDINGS AG (traded as ACAG on the Athens and Vienna Stock Exchanges) is a vertically integrated secure information management and payment solutions provider with over 130 years of operating history, headquartered in Vienna, Austria, and employing 2,400 people across 17 countries. The company manufactures 400M+ smart cards per year through seven production plants in Austria, Andorra, Romania, the UK, and Greece, and operates card personalization centres across Europe and the United States (Eatontown, NJ with a second Salt Lake City facility planned for Q3 2026). Its product portfolio spans EMV payment cards, premium metal cards (Stellar Metal Card Collection), biometric cards (N-BioCard), sustainable cards, smart wearables, government ID documents, e-government trust services (qualified under EU eIDAS), security printing for ballots, examinations, and tax stamps, and document lifecycle management.

The technology stack combines physical secure-printing and chip-card manufacturing with a digital layer led by the GaiaB™ sovereign AI platform, which supports commercial and open-source language models and integrates with the ELO ECM Suite for on-premise or private-cloud generative and agentic AI deployment. The Digital Taskforce initiative delivers domain-specific AI products for enterprise content understanding and anti-money laundering. Regulatory and scheme certifications — including EU eIDAS QTSP status, SAMA Card Chip Profile certification (CV071) for Saudi Arabia's mada scheme, Mastercard Card ECO-Certification, and Adobe Approved Trust List membership — create significant compliance barriers for new entrants.

AUSTRIACARD generates revenue through a mix of hardware sales (smart and metal cards), recurring SaaS/platform subscriptions (AI services, trust services), project-based licensing (document lifecycle management, security printing), and professional services (card personalization, e-PIN services). The go-to-market is exclusively B2B enterprise sales, with a direct sales force in 17 countries supplemented by channel partnerships via the Tag Systems network (Andorra, USA, Spain, Poland, Norway, Germany) and the ELO Digital Office partner channel in Southeastern Europe. Customers span banks and fintechs (the primary segment), government and public-sector agencies, telecoms, insurance, healthcare, retail, energy, and transportation verticals. As of June 2026, the company is subject to a voluntary public tender offer from Japan's Dai Nippon Printing Co., Ltd. (DNP) at €10.00 per share, with management and supervisory board recommending acceptance.

Name

Austria Card

Legal name

AUSTRIACARD HOLDINGS AG

Website

https://www.austriacard.com

Company type

Public

Founded year

1985

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

AUSTRIACARD HOLDINGS AG is a Vienna-headquartered, Athens and Vienna-listed secure payment card and identity solutions provider, producing 400M+ smart cards annually across 7 plants and serving 2,000+ B2B clients in 50+ markets with EMV, biometric, metal, and sustainable cards, government ID, security printing, and sovereign AI services.

Ownership category

akta.pro rank

Product category

Secure Payment Card Manufacturing

NAICS

Credit Card Issuing (522210), Finance and Insurance (52), Security Systems Services (except Locksmiths) (561621)

SIC

Finance Services (6199)

akta.pro primary industry

Cards & Issuing Management (Debit/Prepaid/Credit, Program Management) (FSAGAAAE)

akta.pro secondary industries

Card Issuing Platforms (Issuer Processing) (FSAGABAD), Embedded Card Issuing & Card-as-a-Service (FSAGALAC), Fraud Prevention, Controls & Compliance (MCC controls, AML/KYC, SCA) (THACAJAG), General-Purpose Credit Card Schemes (FSAMAAAA)

Keywords

• Secure payment cards
• Identity verification solutions
• Security printing services
• Smart card manufacturing
• Digital identity solutions

Headquarters

HQ city

Vienna

HQ country

Austria

HQ region

Europe

Offices17 records

Markets served

GTM type

B2B

Offering type

Hardware or Manufacturing

Cost components

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

Revenue model

1. Smart Payment Cards & Metal Cards: Manufacture and sale of EMV payment cards, metal payment cards (Stellar Metal Card Collection), sustainable cards (recycled PVC, PLA-based), biometric cards, smart wearables, gift and loyalty cards, and mobile/digital wallet integration. Revenue from card hardware sales and associated personalization services to financial institutions and fintechs globally.
2. Citizen Identity & e-Government Solutions: Digital onboarding (KYC/KYB), digital certificates, e-signatures, registered communications, ID documents and cards, and transport documents. Revenue from government contracts and public sector clients for secure identity and authentication solutions.
3. Document Lifecycle & Security Printing: Digital printing, security printing (examination papers, ballot papers, certificates, checks, tax stamps, lottery coupons, drug authentication/traceability labels), billing, e-billing, fulfilment services, document digitization, e-archiving, and physical archiving. Revenue from enterprise and government clients requiring secure physical and digital document management.
4. AI & Data Intelligence Services: GaiaB™ AI platform licensing and deployment, Digital Taskforce enterprise solutions (ECU, AML), digital labour solutions, back-office automation, business intelligence, AI operations, regulatory compliance, and data extraction software. Revenue from SaaS/platform licensing and professional services for AI-powered process automation.
5. Card Personalization Services: Card personalisation centres across Europe and the USA provide card customisation, e-PIN services, and closed-loop payment systems for banking clients. Revenue from per-card personalisation fees and service contracts.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

AUSTRIACARD HOLDINGS AG manufactures and personalizes secure payment cards (EMV, metal, biometric, sustainable), produces identity documents and security-printed materials for governments, and delivers AI-powered data intelligence solutions via its proprietary GaiaB™ platform. The company serves banks, fintechs, government agencies, telecoms, insurance, healthcare, retail, and transportation verticals across Europe, the Middle East, Africa, and North America, producing 400M+ cards annually. Its offerings span the full secure information lifecycle from physical card production and personalization through digital identity, e-signatures, document management, and sovereign AI automation.

Product overview

AUSTRIACARD HOLDINGS AG operates as a secure information management and payment solutions provider with over 130 years of experience. The company offers a unified platform-plus-modules architecture comprising: (1) Payment Services including EMV Cards, Metal Cards (Stellar Metal Card Collection), Sustainable Cards, Biometric Cards (N-BioCard), Smart Wearables, and Personalization Services; (2) eGovernment & Authentication solutions including Digital Onboarding KYC-KYB, Digital Certificates, e-Signatures, and ID Documents; (3) Document Lifecycle Management covering digital/security printing, billing, archiving, and OCR; (4) Security Printing for examination papers, ballots, certificates, and authentication labels; (5) AI & Data Intelligence featuring the GaiaB™ Platform (autonomous AI for generative and agentic applications), GaiaB™ Appliance (ELO-integrated content management), and Digital Taskforce solutions (ECU, AML). The portfolio spans smart payment cards, citizen identity solutions, variable data security printing, and AI-powered automation across Europe, Africa, and North America serving over 50 markets with 2,400 employees.

Differentiator

Problem solved

Functional benefit

Brands

• GaiaB™: Autonomous AI system designed to enhance innovative capabilities and expand portfolio with powerful AI solutions. Enables development of generative AI applications that can independently make decisions, set goals, and adapt to new environments.
• N-BioCard
• Stellar Metal Card Collection
• Digital Taskforce

Products and services

• GaiaB™ Platform

Quantifiable outcome

• 400M+ cards manufactured annually across global production network
• +5 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability10 records

Feature5 records

Partnerships

One partnership is on record.

• ELO Digital OfficecoreTechnology or Integration · 4 May 2026AUSTRIACARD reaffirmed its long-standing partnership with ELO Digital Office at the ELO Partner Summit in Barcelona, integrating its GaiaB™ Appliance with the ELO ECM Suite and ELO Assistant. The combined solution delivers sovereign, end-to-end AI-powered content and process automation through secure on-premise or private cloud deployment. The partnership has delivered more than 50 large-scale enterprise content management projects across Southeastern Europe.

Scale indicators10 records

Recent moves7 records

Expansion highlights7 records

Direct peers

• IDEMIA: Global leader in payment card manufacturing, personalization, and digital identity solutions, headquartered in France. Directly competes with Austria Card across EMV cards, metal cards, biometric cards, government ID documents, and personalization services for banks and governments worldwide.
• Giesecke+Devrient (G+D): German-based global provider of payment cards, secure communication, and identity solutions. Directly comparable across smart card manufacturing, card personalization, e-government identity, and security printing, serving banks and public sector clients.
• Thales: Through Thales DIS (now integrated), provides payment cards, digital identity, and data security solutions. Direct peer in payment card manufacturing, biometric cards, government ID programs, and authentication/e-signature services (QTSP equivalent) for financial institutions and governments.
• CPI Card Group: US-headquartered payment card manufacturer and personalizer specializing in credit, debit, and prepaid EMV cards, with strong position in premium metal cards. Directly competes with Austria Card in EMV and metal card production, particularly for North American financial institutions and fintechs.
• CompoSecure: US-based specialist in premium metal payment cards, serving fintechs, crypto card programs, and luxury/premium issuers. Direct competitor in the Stellar Metal Card Collection category, with overlap on Arculus (authentication) and high-end custom card manufacturing.
• Valid USA: Brazilian-rooted payment card manufacturer and personalization services provider with global operations. Direct peer in EMV card production, personalization, mobile payment solutions, and SIM card manufacturing, overlapping with Austria Card across Latin America and Europe.
• HID Global (Assa Abloy): Global identity and secure credential solutions provider, including physical and digital identity cards, government ID, and secure issuance. Comparable in e-government identity documents, citizen ID, and secure card issuance, with broader enterprise access control footprint.
• Veridos: Joint venture between G+D and Bundesdruckerei providing government-issued identity documents, passports, and eID solutions. Direct peer in citizen identity, e-government ID documents, and secure credential programs across Europe, Middle East, and Africa.
• De La Rue: UK-based commercial printer and security solutions provider specializing in banknotes, identity documents, and security printing for central banks and governments. Comparable in security printing (examination papers, tax stamps, certificates) and identity document production.

Regional players

• Bundesdruckerei: German state-owned provider of secure identity solutions, e-government services, and high-security printing. Comparable in ID documents, eID, and trust services for public sector clients, primarily serving DACH region with some overlap into EU-wide tenders.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/austria-card

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries9 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 Austria Card