Regional Card Processing Centre

What Regional Card Processing Centre does

Regional Card Processing Centre, s.r.o. (RPC) is a Bratislava-headquartered, wholly-owned subsidiary of Raiffeisen Bank International AG that operates as the card-processing shared service centre and competence centre for the RBI Group. The company handles authorization, clearing, settlement, card and account lifecycle management, 3-D Secure, tokenization, and APIs for roughly 9 million debit and credit cards across 9 RBI Group banks in 12 Central and Eastern European countries (Austria, Albania, Bosnia and Herzegovina, Bulgaria, Croatia, Czechia, Hungary, Kosovo, Romania, Serbia, Slovakia, and Ukraine), processing more than 3 billion transactions annually. Its product portfolio spans card issuing, card acquiring (transaction processing, merchant management, dynamic currency conversion), and digital payment solutions delivered through four branded products: RaiPay (mobile wallet, 700,000+ users across 8 countries), RaiPOS (soft POS turning Android phones into payment terminals, 1 million transactions reached by August 2023 in 6 markets), RaiAccept (cloud-native, PCI-DSS and PSD2-compliant payment gateway with documented APIs), and Merchant Portal.

The technology stack is built around a custom C/C++ authorization engine processing transactions in milliseconds with LuaJIT scripting for real-time fraud-rule evaluation that allows rule updates without service restarts. The middleware layer is a fault-tolerant REST architecture using gateways, domains, and facades with circuit breakers, retries with backoff, rate limiters, and data shedding, deployed via DevSecOps CI/CD with Infrastructure as Code on Terraform and AWS CloudFormation. Compliance posture includes ISO/IEC 27001:2013 (May 2023), PCI DSS annual re-attestation, and PSD2 alignment through RaiAccept.

Revenue is generated transactionally through card issuing fees, acquiring fees, and digital payment solutions; specific pricing is not publicly disclosed as services are tailored to banking partners. The go-to-market is exclusively B2B through the captive RBI Group bank channel rather than direct sales, with a 260-person workforce (as of 2025) supporting the platform.

Name

Regional Card Processing Centre

Legal name

Regional Card Processing Centre, s.r.o.

Website

https://ri-rpc.sk

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

101–250 employees

Short description

Regional Card Processing Centre is the card-processing shared service centre of Raiffeisen Bank International, delivering card issuing, acquiring, and digital payments (RaiPay, RaiPOS, RaiAccept) for roughly 9 RBI Group banks across 12 Central and Eastern European countries.

Ownership category

akta.pro rank

Product category

Payment Processing Platform

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

Card Issuing Platforms (Issuer Processing) (FSAGABAD)

akta.pro secondary industries

Cards Operations (Issuing/Acquiring Support, Disputes & Chargebacks) (FSABALAC), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)

Keywords

• Card processing services
• Payment processing platform
• Card issuing services
• Merchant acquiring services
• Digital payment solutions

Headquarters

HQ city

Bratislava

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Card Issuing Services: Processing of debit and credit cards including authorization, clearing and settlement, card/account lifecycle management, 3-D Secure, card tokenization, and APIs for 9 banks within RBI Group processing almost 9 million cards.
2. Card Acquiring Services: Transaction processing, merchant management, POS key management, and dynamic currency conversion for merchants accepting card payments.
3. Digital Payment Solutions: E-commerce payment processing, digital wallet (RaiPay), payment gateway (RaiAccept), merchant portal, and support for Apple Pay, Google Pay, Garmin Pay, and Fitbit Pay.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Regional Card Processing Centre (RPC) is the shared service and competence centre of Raiffeisen Bank International that provides end-to-end card payment processing infrastructure for Raiffeisen banks. Its offering combines card issuing services (authorization, clearing, settlement, lifecycle management, 3-D Secure, tokenization) and card acquiring services (transaction processing, merchant management, POS key management, dynamic currency conversion), complemented by digital payment products including the RaiPay mobile wallet, RaiPOS soft POS, RaiAccept cloud payment gateway, and Merchant Portal. RPC processes over 3 billion transactions annually across nearly 9 million cards in 9 banks, with 24/7 fraud monitoring and ISO 27001 / PCI-DSS compliance.

Product overview

RPC offers a unified card processing platform for banks in the Raiffeisen Bank International group, combining card issuing and acquiring services with digital payment solutions. The core portfolio includes RaiPay (mobile wallet app), RaiPOS (soft POS terminal), RaiAccept (cloud payment gateway), and Merchant Portal, along with specialized services for fraud prevention, dispute management, and 3-D Secure authentication. Processing covers nearly 9 million cards across 9 banks with over 3 billion annual transactions across Central and Southeastern Europe.

Differentiator

Problem solved

Functional benefit

Brands

• RaiPay: Mobile payments app used by Raiffeisen banks in 8 countries with over 700,000 users. Offers contactless payments with a phone and card management.
• RaiPOS
• RaiAccept
• Merchant Portal

Products and services

• RaiPay Mobile payments app used by Raiffeisen banks in 8 countries with over 700,000 users; offers contactless payments with a phone and simple Raiffeisen card management.
• RaiPOS Soft POS mobile application that turns an Android phone into a POS terminal, allowing merchants to accept card payments without extra hardware devices.
• RaiAccept Cloud-native payment gateway with PCI-DSS and PSD2 compliance, offering tailored customization, user-friendly interface and an advanced Merchant Portal with real-time tracking and reporting.
• Merchant Portal Web-based solution that allows merchants to view details of incoming transactions, access data and perform operations such as returns, statistics and reporting.
• Card Issuing Services Card issuing processing for nearly 9 million debit and credit cards across 9 RBI Group banks, covering authorization, clearing and settlement, card/account lifecycle management, 3-D Secure, tokenization and customizable APIs.
• Card Acquiring Services Transaction processing services that connect terminals to RPC's processing infrastructure, including merchant management, POS key management and dynamic currency conversion.
• E-commerce & Digital Payments E-commerce payment processing services using the latest security standards including 3-D Secure, with support for Apple Pay, Google Pay, Garmin Pay and Fitbit Pay.

Quantifiable outcome

• 3+ billion transactions processed annually
• +2 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability2 records

Feature6 records

Scale indicators10 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Worldline: Leading European payment processor providing card issuing, acquiring, and digital payment services to banks and merchants across multiple European geographies. Highly comparable as a B2B card processor serving banks in similar markets to RPC.
• Comarch: Polish-headquartered IT and fintech vendor with a dedicated Financial Services line including card management, issuing, and loyalty software for banks in CEE and globally. Closest geographic and product overlap with RPC.
• Nexi (including Nets): Pan-European paytech offering card issuing, merchant acquiring, and digital payment infrastructure to banks. Directly comparable business model and customer base to RPC's bank-centric card processing.
• SIA (part of Nexi Group): Italian payment infrastructure and software provider serving banks with card processing, issuing, and digital payment services. Directly comparable in bank-centric B2B card processing model.

Broad incumbents

• Thales (incl. Gemalto): Provides secure card issuance technology, payment software, and digital identity solutions to financial institutions. Comparable in the card lifecycle and tokenization capabilities RPC delivers to RBI banks.
• Fiserv (incl. First Data): Global payment processor and bank technology provider with extensive card issuing and acquiring capabilities. Competes for the same bank-processor RFPs as RPC, though with a much broader portfolio.
• IDEMIA: Global provider of card manufacturing, issuance software, and payment security solutions to banks. Overlaps with RPC's card issuance and tokenization offerings, though focused more on physical and security layers.

Emerging players

• Marqeta: Modern, API-first card issuing and processing platform used by fintechs and challenger banks. Represents the cloud-native competitive threat to legacy bank processors like RPC.
• BPC Banking Technologies: Provides payment processing and core banking platforms with a strong footprint in emerging markets. Comparable in serving mid-sized and regional banks with card and digital payment solutions.
• Galileo Financial Technologies (SoFi): Cloud-based card issuing and payment processing API platform serving fintechs and banks globally. Comparable in API-first card issuing approach even if targeted at a different customer segment than RBI.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/rpcslovakia
• LinkedInlinkedin.com/company/regional-card-processing-centre-s-r-o-

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Regional Card Processing Centre