allpay.cards
allpay.cards is a UK-based end-to-end plastic payment card manufacturer and personalisation bureau, serving challenger banks, fintechs, e-money institutions, retailers, and government clients across the UK and Europe with in-house design, EMV and dual-interface card production, secure bureau services, and direct-to-cardholder fulfilment from its Hereford facility.
- Company typePrivate
- Founded2008
- HeadquartersHereford, United Kingdom
- Headcount1–10
- GTM typeB2B
- OfferingHardware or Manufacturing
What allpay.cards does
allpay.cards is the card manufacturing and personalisation division of allpay Limited, a UK private limited company (Companies House No. 02933191) founded in 2008 and headquartered at Whitestone Business Park, Hereford. The company delivers end-to-end plastic payment card production from a single UK-based facility — covering design, litho and digital printing, manufacturing, secure personalisation, and direct-to-cardholder fulfilment via Royal Mail and DHL. It is fully accredited by Mastercard and Visa for logical and physical card production and supports contact chip, contactless, and dual-interface (hybrid) card technologies with MULTOS support and high-security bureau services (PCI DSS-compliant, ISO-accredited).
The company sells directly to B2B clients through a named-account sales force, with primary demand from challenger banks, digital-first fintechs, and e-money institutions across the UK and Europe. Named customers and partners include Starling Bank, Kroo, LHV Bank, Landsbankinn, Instabank, Currensea, MuchBetter, Caxton, Bits, DT&T, TallyMoney, Fire Financial, Enfuce, Currencies Direct, BrightyApp, MarTrust, and Pannovate. Revenue is earned on a per-card-produced basis under custom quotes, with annual production capacity cited at approximately 20 million secure debit, credit, and prepaid cards. Customer feedback signals are unusually strong (NPS of 81.82; 4.9/5 service rating; 97% of clients rate engagement as 'Easy' or 'Very Easy').
Differentiation rests on three pillars: (1) fully in-house UK manufacturing with advanced finishing techniques (hot foil stamping, pearlescent and iridescent inks, foil cores, brushed metallic Pantone finishes, coloured edging); (2) a closed-loop recycling programme with Spica S.r.l. using SICO-R Recycled PVC, having recovered over 30,252 kg of plastic to date; (3) regulatory and standards credentials including the Mastercard Sustainability Badge (April 2024) and PCI DSS / ISO certifications. Geographic reach spans the UK, Iceland, the Nordics, Estonia, Malta, and Bulgaria, and includes a growing government/public sector vertical for ID and access cards.
allpay.cards firmographics
Firmographics- Name
- allpay.cards
- Legal name
- allpay Limited
- Website
- https://allpay.cards
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- allpay.cards is a UK-based end-to-end plastic payment card manufacturer and personalisation bureau, serving challenger banks, fintechs, e-money institutions, retailers, and government clients across the UK and Europe with in-house design, EMV and dual-interface card production, secure bureau services, and direct-to-cardholder fulfilment from its Hereford facility.
- Ownership category
- akta.pro rank
allpay.cards industry classification
Industry- Product category
- Plastic Card Manufacturing and Personalisation Services
- akta.pro primary industry
- Card Issuing Platforms (Issuer Processing) (FSAGABAD)
- akta.pro secondary industries
- International / Global Card Schemes (FSAMAAAD), Private-Label & Store Card Schemes (FSAMAAAE), Open-Loop Prepaid Cards (Network-Branded) (FSAMANAA)
Keywords
Where allpay.cards is headquartered
LocationHeadquarters
- HQ city
- Hereford
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
allpay.cards business model
Business model- GTM type
- B2B
- Offering type
- Hardware or Manufacturing
- Cost components
- Supply Chain, Operations, Personnel, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Card Manufacturing and Personalisation Services: B2B manufacturing and personalisation of plastic payment cards (debit, credit, prepaid, gift, membership, ID). Revenue is earned per card produced and personalised, representing a per-unit, transaction-like revenue model for each card programme.
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
allpay.cards product offering
Product offeringCore offering
allpay.cards provides UK-based, fully in-house end-to-end plastic payment card manufacturing and personalisation services. The company handles the complete card lifecycle — from design consultation and bespoke printing through EMV chip and dual-interface (contact/contactless) card production, secure bureau personalisation, and direct-to-cardholder fulfilment — for fintechs, challenger banks, e-money institutions, retailers, and government organisations across the UK and Europe. It holds Mastercard and Visa manufacturing accreditations, PCI DSS compliance, and multiple ISO certifications.
Product overview
allpay.cards delivers a comprehensive end-to-end card manufacturing and issuance solution from its UK-based facility. The product portfolio spans four main categories: Eco Solutions (sustainable materials and closed-loop recycling), Dual Interface Cards (with sub-products for Banking Cards, Challenger Bank Cards, and Prepaid Cards supporting contact, contactless, and hybrid functionality), Gift and Membership Cards (bespoke retail cards), and ID Cards (for various sectors). The company handles the complete lifecycle from design consultation through manufacturing, personalisation, and fulfilment, positioning itself as a one-stop partner for fintechs, challenger banks, and financial brands across the UK and Europe.
Differentiator
Problem solved
Functional benefit
Products and services
- Eco Solutions Sustainable card solutions encompassing recycled PVC materials (SICO-R from Spica), low-impact manufacturing options, sustainable packaging solutions, and closed-loop recycling pathways for end-of-life card recovery and material reintegration. Offered to organisations seeking environmentally conscious payment card manufacturing.
- Dual Interface Cards Mastercard and Visa payment cards supporting contact chip, contactless, and hybrid (dual-interface) functionality for seamless integration with modern payment systems. Manufactured with advanced encoding, encrypted chip technology, and MULTOS technology support. Includes sub-products for banking, challenger banks, and prepaid segments.
- Banking Cards Mastercard and Visa debit and credit cards with specialist bureau services, offering complete design-through-fulfilment manufacturing for established financial institutions and traditional banking customers.
- Challenger Bank Cards Contact chip and dual interface card solutions for established and start-up challenger banks with competitive pricing, strong lead times, and bespoke design support across multiple European markets.
- Prepaid Cards Prepaid card manufacturing integrated with leading global prepaid card processors, BIN sponsors, and program managers for the prepaid market, supporting travel money, gift, payroll and benefit disbursement programmes.
- Gift and Membership Cards Closed-loop retail cards for major retailers, including bespoke printing and packaging for store, retail, gift, and loyalty card programmes with seasonal campaign flexibility.
- ID Cards Identity cards catering for a range of sectors and volume requirements, including employee ID badges, access control cards and government ID cards, with significant investment in security features and PCI DSS compliance.
Quantifiable outcome
- 30,252 kg of plastic recovered through closed-loop recycling in under two years
- +8 more outcomes
Companies that use allpay.cards
Customer profileNamed customers14 records
Segments5 records
Ideal customer profiles5 records
allpay.cards technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
allpay.cards partnerships and signals
Strategic signalPartnerships
18 partnerships are on record, tiered core, flagship and minor.
- Enfucecoreallpay cards and Enfuce partnered to deliver seamless card manufacture and personalisation services for Enfuce's MyCard solution in the UK. MyCard is an all-encompassing card-as-a-service platform. allpay cards supports UK clients of Enfuce in card manufacturing and personalisation.
- Spica S.r.l.coreallpay cards and Spica collaborate on sustainable card production using Spica's SICO-R Recycled PVC material. This is described as a transformative closed-loop system replacing the conventional 'take-make-dispose' model with 'reduce-reuse-recycle'. Spica is the only UK card manufacturer with this set-up.
- Spica S.r.l.coreSpica S.r.l. is an industry leader in high-performance recycled and virgin PVC material production. allpay cards partners with Spica for its closed-loop recycling programme, enabling end-of-life payment cards to be recovered and reintroduced into new card substrates. Spica supports material recovery and technical processing stages, handling post-consumer and post-industrial waste for a 100% circular approach.
- MULTOS Consortiumcoreallpay cards joined the MULTOS Consortium as a Partner Member, participating in Business and Technical Advisory Groups to contribute to innovation and advancement of MULTOS technology in the financial services industry. MULTOS is a secure smart device technology platform used in card personalisation.
- LandsbankinnflagshipLong-standing partnership with Iceland's largest domestic bank. allpay cards provides card manufacturing and personalisation supporting Landsbankinn's retail and corporate card programmes at home and abroad.
- InstabankflagshipPartnership with digital-first challenger bank operating across multiple European markets. allpay cards supports Instabank's online lending and credit card model with card production for European market expansion.
- LHVflagshipPartnership with established banking and payments provider expanding into new EU territories. allpay cards delivers consistently high-quality card production for LHV's rising profile across Europe.
- Paynetics ADcorePartnership with specialist e-money and payments institution operating across the European Union and the UK. allpay cards provides manufacturing supporting the integrity of Paynetics' card propositions across the region.
- Enfuceflagshipallpay cards supports the manufacturing and personalisation of Enfuce MyCard, helping deliver a seamless end-to-end card experience for cardholders across the UK, EU, and LATAM.
- Currencies DirectcoreSupporting international payments and remittance customers with EU-bound card fulfilment.
- BrightyAppcoreModern financial app serving users across multiple regions, including cardholders within the EU. allpay cards supports EU card fulfilment.
- Fire FinancialcoreUK and Ireland-based fintech supporting corporate payments, with card distribution extending into the EU. allpay cards has approximately 7-year partnership with Fire.
- MarTrustcoreMaritime payment specialist issuing cards for global crews, including distribution across key EU ports. allpay cards supports their card manufacturing.
- PannovateminorEmbedded finance and programme management provider supporting multi-territory card issuance.
- CurrenseaflagshipUK travel debit card provider. allpay cards delivered the world-first Hilton Honors debit card for Currensea, featuring premium foil core, raised gloss tactile features, and gradient fade design.
- MastercardcoreFully accredited Mastercard manufacturer with logical and physical authorisation. Operates within Mastercard's card programme guidelines and achieved Mastercard Sustainability Badge.
- VisacoreFully accredited Visa manufacturer with logical and physical authorisation. Offers Mastercard and Visa debit and credit cards with specialist bureau services.
- Royal Mail and DHLcoreStrategic logistics partnerships for card fulfilment and delivery. Cards are dispatched to end-customers via Royal Mail, DHL, and other trusted couriers.
Scale indicators10 records
Recent moves6 records
Expansion highlights6 records
allpay.cards competitors and assessment
Company assessmentDirect peers
- Paragon Group: UK-based card production and personalisation services provider. Direct competitor in the UK card manufacturing market with comparable customer base in financial services and similar scope of services.
- ABnote (Array Holdings): Privately held card manufacturer providing card production, personalisation, and fulfilment services. Direct competitor in the same product category serving financial institutions, retailers, and government clients.
- Toppan: Japanese card manufacturer with global presence in payment card production and personalisation. Direct competitor in card manufacturing with leading technology and significantly larger scale.
- ArrowEye Solutions: US-based card issuance solutions provider offering on-demand card production and personalisation. Direct competitor in card manufacturing with focus on flexibility and instant issuance capabilities.
- CPI Card Group: US-based card manufacturer specialising in financial, prepaid, and identity card production. Direct competitor in card manufacturing and personalisation with comparable focus on credit, debit, and prepaid cards.
- Thales (Digital Identity & Security): Major global card manufacturer and personalisation bureau (formerly Gemalto). Direct competitor in EMV chip cards, contactless cards, and secure card production with significantly larger scale and a broader portfolio.
- IDEMIA: Global leader in card manufacturing and personalisation, including bank cards, ID cards, and payment cards. Direct competitor in the same product category with much broader geographic reach and scale.
- Giesecke+Devrient (G+D): Global card manufacturer and secure payment solutions provider. Direct competitor in card manufacturing, personalisation, and bureau services with strong presence in Europe and globally.
Emerging players
- Enfuce: Nordic card-as-a-service platform that has partnered with allpay.cards for UK card manufacturing. Adjacent player in the card issuance ecosystem with potential to compete in integrated card solutions over time.
Others
- Blackhawk Network: Global branded payments provider in gift cards, prepaid cards, and incentive solutions. Related ecosystem participant in the prepaid and gift card space, but focused on programme management rather than third-party manufacturing.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
allpay.cards social profiles
Digital presenceallpay.cards compliance and trust
Trust signalCompliance4 records
allpay.cards financial estimates
Financial estimateRevenue estimate
Valuation estimate
allpay.cards leadership team
Management profileNumber of profiles
Profiles5 records
allpay.cards funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
allpay.cards M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about allpay.cards
What does allpay.cards do?
allpay.cards provides UK-based, fully in-house end-to-end plastic payment card manufacturing and personalisation services. The company handles the complete card lifecycle — from design consultation and bespoke printing through EMV chip and dual-interface (contact/contactless) card production, secure bureau personalisation, and direct-to-cardholder fulfilment — for fintechs, challenger banks, e-money institutions, retailers, and government organisations across the UK and Europe. It holds Mastercard and Visa manufacturing accreditations, PCI DSS compliance, and multiple ISO certifications.
Is allpay.cards a public or private company?
allpay.cards is a private company. It is classified as unknown and is currently operating.
When was allpay.cards founded?
allpay.cards was founded in 2008. It employs 1 to 10 people.
Where is allpay.cards based?
allpay.cards is headquartered in Hereford, United Kingdom, in the Europe region.
How does allpay.cards make money?
One revenue line is on record: card Manufacturing and Personalisation Services.
Who are allpay.cards's main competitors?
Direct peers on record are Paragon Group, ABnote (Array Holdings), Toppan, ArrowEye Solutions, CPI Card Group, Thales (Digital Identity & Security), IDEMIA and Giesecke+Devrient (G+D). Enfuce is listed as an emerging player. Blackhawk Network is listed as an others.
Does allpay.cards have an API?
No public API is recorded for allpay.cards.
What industry is allpay.cards in?
allpay.cards's product category is Plastic Card Manufacturing and Personalisation Services. Its primary akta.pro industry code is FSAGABAD, Card Issuing Platforms (Issuer Processing), with a secondary code of FSAMAAAD, International / Global Card Schemes.