What Romcard does

Romcard operates in the market under the name SIBS Romania and is the Romanian and Central/Eastern European regional subsidiary of SIBS Group, an internationally recognized payment processor with operations across Europe and Africa. The company delivers a comprehensive payments platform serving two primary customer segments: financial institutions (banks requiring card issuance, acquiring, authorization, clearing, POS/ATM management, and risk management services) and retail merchants (requiring next-generation POS, mobile, and eCommerce payment acceptance, along with loyalty solutions).

The underlying technology stack spans the full payment value chain. Core capabilities include card personalization and management, transaction authorization and clearing, 3D Secure V1/V2, tokenization, wallet solutions, and P2P transfers for eCommerce; next-generation POS terminal solutions; mobile payment acceptance; ATM services operated under the Multibanco brand; loyalty program modules; risk management tooling; and outsourced contact center operations. Differentiators cited are interoperability and security across these rails.

The business model is B2B transaction-fee-based: revenue is generated through fees on payment transactions processed for financial institutions and retail merchants across Romania, Moldova, Bulgaria, Serbia, Kosovo, Hungary, Macedonia, and Lithuania. Pricing is not publicly disclosed and is custom-quoted based on transaction volumes and service scope. Go-to-market is direct sales to enterprise financial institutions and mid-market retail merchants, supplemented by a LinkedIn presence and a corporate Newsroom. The company is privately held, with SIBS Group as the parent entity; no equity funding rounds, headcount figures, or company-level financial disclosures are available in the source material.

Name

Romcard

Website

https://romcard.ro

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

Romcard (doing business as SIBS Romania) is the CEE regional subsidiary of SIBS Group, providing card issuance, acquiring, POS, mobile, eCommerce, ATM Multibanco, loyalty, and risk management payment solutions to banks and retail merchants across eight Central and Eastern European markets.

Ownership category

akta.pro rank

Headquarters

HQ city

Bucharest

HQ country

Romania

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Transaction Processing: Fees earned from processing payment transactions for financial institutions and merchants through POS terminals, ATMs, mobile, and eCommerce channels

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

SIBS Romania (branded in some contexts as Romcard) is a payment solutions provider offering card issuance and personalization, transaction acquiring, POS terminal management, mobile and eCommerce payment processing, loyalty programs, risk management, contact center outsourcing, and ATM Multibanco network access. The company serves banks, financial institutions, and retail merchants across Romania and the Central and Eastern European region as part of SIBS Group.

Product overview

SIBS Romania offers a unified payments platform combining security, convenience, and innovation at the lowest possible cost. The portfolio is organized around three customer segments: financial institutions receive card issuance, acquiring, and processing solutions; retail merchants access POS, mobile, and eCommerce payment acceptance; and all customers can add optional modules for loyalty, risk management, and contact center services. The core offering includes card personalization, transaction authorization and clearing, tokenization, wallet solutions, and ATM services, all supported by the international SIBS Group infrastructure spanning Europe and Africa.

Differentiator

Problem solved

Functional benefit

Products and services

• POS Solutions (Soluții POS)
• Card Issuance and Acquiring (Emitere / Acceptare)
• eCommerce Solutions (Soluții eCommerce)
• Mobile Solutions (Soluții Mobile)
• ATM Multibanco
• Loyalty Solutions (Soluții Fidelizare)
• Risk Management (Managementul Riscului)
• Contact Center

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• SIBS GroupcoreOthersSIBS Romania is part of SIBS Group, an internationally recognized payment processor operating across Europe and Africa. SIBS Group serves as the parent organization providing infrastructure, technology, and operational support across all regions including Portugal (central office), Poland, Romania, Malta, Spain, Luxembourg, France, Austria in Europe and Algeria, Angola, Mozambique, Nigeria in Africa.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/s-c-romcard-sa

Revenue estimate

Valuation estimate

Number of profiles

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 Romcard