ARTIS FINTECH LTD

What ARTIS FINTECH LTD does

ARTIS FINTECH LTD is a privately held UK-registered technology vendor headquartered in London that builds modular SaaS infrastructure for regulated financial institutions. The company's product suite consists of two core offerings: the Core Banking System (CBS), a modular e-wallet and payments platform providing ledger/accounting, multi-currency and FX, fee management, payment processing, corporate client structures, and correspondent bank synchronization; and the QR Payment System (QRPS), a QR-based payments platform with acquirer integration, AML screening, mobile applications (iOS/Android), and configurable transaction limits. The platform is built on an API-first architecture with built-in compliance tooling (AML/KYC screening, audit-ready reporting) and integrates with video identification, SMS, banking, and AML database partners. Custom FinTech Modules are offered for specialized regulatory or operational requirements.

The company serves Electronic Money Institutions (EMIs), Payment Institutions (PIs) and Payment Service Providers (PSPs), neobanks and digital banks, and adjacent merchants and technology partners. Reference deployments include BedfordPay, a UK FCA-regulated international payment platform for SMEs built on CBS since 2019, and JooL Pay, a Latvijas Banka-licensed QR payments solution in Latvia built on QRPS. Artis monetizes through two commercial models — a one-time source code purchase (perpetual license with up to 150 hours of training) and an annual white-label rental subscription (with installation, updates, and up to 50 hours of training) — supplemented by professional services for customization and integration. The company emphasizes a direct, consultative B2B sales motion targeting regulated institutions and positions itself strictly as a technology vendor rather than a regulated financial entity, as reaffirmed in its January 2026 Terms & Conditions.

Name

ARTIS FINTECH LTD

Legal name

ARTIS FINTECH LTD

Website

https://artisbanking.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

UK-based SaaS vendor providing modular core banking and QR payments infrastructure to regulated financial institutions (EMIs, PIs, neobanks) via source code or white-label delivery.

Ownership category

akta.pro rank

Product category

Core Banking and Payments Software

NAICS

Software Publishers (513210)

SIC

Services-Computer Programming Services (7371), Services-Computer Integrated Systems Design (7373)

akta.pro primary industry

Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

akta.pro secondary industry

Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ)

Keywords

• Core banking software
• QR payment platform
• E-wallet infrastructure
• Fintech SaaS solutions
• Payment institution software

Headquarters

HQ city

Riga

HQ country

Latvia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Platform Licensing (Rental Model): White-label rental model providing a ready-to-use solution hosted on client servers. Includes installation, setup, standard integrations, regular system updates, technical support, and staff training. Revenue generated through subscription-style rental fees.
2. Source Code Purchase (One-time License): Purchase model granting full source code access for in-house deployment. Clients receive complete codebase, connectivity with financial institutions, up to 150 hours of staff training, and comprehensive system manual. One-time perpetual license fee.
3. Professional Services & Customization: Additional services including custom development, integration work, and extended training hours beyond base model inclusions.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

Artis provides modular SaaS infrastructure for fintech companies and financial institutions, combining a Core Banking System (CBS) for e-wallet management, payment processing, and multi-currency operations with a QR Payment System (QRPS) for QR-based digital payment collection. The platform is offered via a Purchase Model (full source code license) or a Rental/White Label Model (managed subscription), targeting EMIs, PIs, PSPs, and neobanks globally.

Product overview

The ARTIS Platform is a modular, API-first SaaS ecosystem that combines E-Wallet and Payments infrastructure with core banking functions and compliance tools. It consists of two primary products: the Core Banking System (CBS) for E-Wallet management, payment processing, ledger accounting, and multi-currency operations, and the QR Payment System (QRPS) for QR-based digital payment collection. Custom FinTech Modules provide tailored integrations for specialized requirements. The platform serves EMIs, PIs, PSPs, Neobanks, and Digital Banks across international markets.

Differentiator

Problem solved

Functional benefit

Brands

• BedfordPay: An international payment platform built on the Artis Core Banking system, regulated by the UK Financial Conduct Authority (FCA), providing secure and private financial services for businesses and SMEs since 2019.
• JooL Pay

Products and services

• ARTIS Core Banking System (CBS)

Quantifiable outcome

• Financial institutions can launch services in minutes rather than days
• +2 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature5 records

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Mambu: Berlin-based SaaS core banking platform serving neobanks, EMIs, and traditional banks. Directly comparable to Artis CBS as a modular, API-first core banking SaaS sold to regulated financial institutions under a subscription model.
• Thought Machine: UK-based cloud-native core banking technology provider serving global banks and fintechs. Comparable to Artis for cloud-based core banking infrastructure sold to regulated financial institutions with emphasis on modern SaaS delivery.
• Currencycloud: UK-based cross-border payments platform acquired by Visa, offering FX and multi-currency infrastructure to fintechs and banks. Overlaps with Artis on multi-currency support and payments for regulated institutions.
• Solaris SE: Berlin-based Banking-as-a-Service platform offering embedded banking, payments, and card issuing to fintechs and corporates. Overlaps with Artis on embedded payments and white-label banking infrastructure for licensed and partner institutions.
• Modulr: UK-based Payments-as-a-Service provider enabling fintechs and businesses to embed payments via API. Competes with Artis's payment infrastructure targeting UK and EU PIs/EMIs with regulated infrastructure.
• Banking Circle: Luxembourg-based payments bank serving payments businesses, FX, and BaaS customers. Comparable to Artis for cross-border payments infrastructure serving regulated institutions across Europe.

Broad incumbents

• Stripe: Global payment infrastructure provider serving businesses of all sizes. Competes with Artis at the payment-processing layer with broader developer APIs and much larger scale.
• ClearBank: UK clearing bank offering real-time payments and embedded banking infrastructure to fintechs and banks. Adjacent to Artis with broader banking capabilities including its own clearing license, competing for similar regulated clients.
• Marqeta: US-based modern card issuing and payment processing platform. Comparable to Artis on payment infrastructure delivery, though more focused on card issuing rather than full core banking.

Emerging players

• TrueLayer: UK-based open banking API platform enabling account-to-account payments and financial data. Adjacent to Artis's payment infrastructure focus, particularly relevant for European A2A payment rails.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/bb-it-systems-ltd

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 ARTIS FINTECH LTD