0
Passported Countries
01
Integration to Launch
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Core Financial Products
EU · UK
Regulated Infrastructure
European Financial Services Partner

Your European
financial infrastructure.
Ready to deploy.

Manzur Capital is the regulated financial partner for businesses entering Europe. Accounts with IBANs, Mastercard® cards, open banking, KYC onboarding and credit — all under a single EU-passported licence, without building your own.

Explore Services
EU Licence Active
UK FCA Regulated
Dubai Hub — Global Ops
Primary Market — Europe
Who We Serve

Two types of businesses.
One financial partner.

Whether you are building a financial product from scratch or embedding payments and cards into an existing operation, Manzur Capital provides the regulated European infrastructure to make it happen — without the years it takes to obtain your own licence.

For Fintechs & Startups
Launch regulated financial products in Europe — without a licence of your own.
Access accounts, cards, KYC, open banking and credit under our EU-passported infrastructure. Build your product on top. Go to market in weeks, not years.
Neobanks · Embedded finance · Wallet providers · Payment platforms
For Established Enterprises
Embed financial services into your existing operation — instantly.
Issue prepaid cards for refunds, prizes and incentives. Open IBAN accounts for your clients or subsidiaries. Accept and send payments across the EU and UK under full regulatory cover.
Retail · E-commerce · HR platforms · Travel · Loyalty programs
Financial Services

Every regulated service
your European operation needs.

A complete suite of embedded financial products, delivered under a single EU-passported e-money institution licence. One integration. Full regulatory coverage across the EU and UK.

01
Payment Accounts & IBANs
Individual and business accounts in EUR, GBP and USD with dedicated IBANs and UK account numbers. SEPA Credit, SEPA Instant, FasterPayments and SWIFT — all under your brand, fully regulated.
SEPA InstantFasterPayments SWIFTDedicated IBANEUR · GBP · USD
02
Manzur Capital Cards — Visa® & Mastercard®
Visa® and Mastercard® prepaid cards issued under EU licence — available as virtual or physical, or both simultaneously. Each card can be linked to a dedicated Manzur Capital IBAN account and provisioned instantly to Apple Pay and Google Pay. Designed for businesses that need to deliver monetary value instantly, traceably and at scale — to their customers or employees. No recipient bank account required. No wire delays.
Use Case 01 — Refunds & Cancellations
Instant refunds. No banking delays.
A flight is cancelled, a hotel booking falls through, an order doesn't arrive. Your customer receives a Manzur Capital card loaded with the exact refund amount within seconds — spendable immediately in-store, online, and via Apple Pay or Google Pay, everywhere Visa® and Mastercard® are accepted.
Airlines · Hotels · E-commerce · Travel platforms
Use Case 02 — Prizes & Promotions
The prize is a card. Loaded. Ready to spend.
The winner receives a Manzur Capital card — virtual, physical, or added straight to their wallet — with the exact prize balance. No bank transfer, no waiting, no need to collect account details. Fully branded, fully traceable, immediately usable.
Loyalty programs · Sweepstakes · In-store promotions · Digital campaigns
Use Case 03 — Employee Incentives & Benefits
Bonuses and benefits, outside payroll.
Load performance bonuses, meal allowances, travel budgets or spot incentives onto individual Manzur Capital cards per employee — virtual for immediate use or physical for everyday spend. Linked to a dedicated IBAN, with full spend control and traceability. No extraordinary payroll cycle required.
Performance bonuses · Meal & travel allowances · Recognition programs
Visa® NetworkMastercard® Network Virtual & PhysicalIBAN-linked Apple PayGoogle Pay Instant IssuanceSpend ControlsFull Traceability
03
KYC / KYB Onboarding
Fully digital onboarding for individuals and businesses across the EU and UK. Liveness check, document verification and sanctions screening — integrated via API and SDK directly into your product flow. No manual intervention required.
Liveness CheckDocument Scan Sanctions ScreeningBusiness VerificationAPI / SDK
04
Open Banking — PISP & AISP
Payment initiation directly from client bank accounts without a card (PISP). Account information aggregation across European banks (AISP). Lower transaction costs, richer financial data and broader reach across markets where cards are underused.
PISPAISPPSD2 Licensed Bank-to-bank PaymentsAccount Aggregation
05
Credit Facilitation
We process lending to consumers and businesses under regulated credit EU licence. We control approval logic, disbursement and collection. Transaction data from your accounts informs and improves scoring over time.
Consumer CreditBusiness Lending EU LicensedCustom Approval LogicData-driven Scoring
06
AML & Compliance Monitoring
Continuous transaction monitoring, automated sanctions database checks and real-time alerts — satisfying your regulatory obligations as a participant in our programme. Regulatory and scheme reporting with automated reconciliation included.
Real-time MonitoringSanctions DB Regulatory ReportsAutomated Reconciliation
Platforms

Everything in one place.
For your team and your clients.

Beyond the financial products, Manzur Capital provides two dedicated platforms — one for the businesses that operate with us, and one for their end users. Full visibility, full control, at every level.

07
Finance Suite — Business Management Dashboard
A private, institutional-grade management platform for companies operating under Manzur Capital's financial infrastructure. Finance Suite centralises the oversight of all active financial products — accounts, card programmes, disbursements, compliance status and reporting — in a single structured environment. Designed for finance teams, operations managers and compliance officers who need complete control without relying on engineering.
Account & Card Management
Full programme oversight in real time.
Monitor all IBAN accounts, card balances, transaction flows and settlement status across your entire programme. Issue, suspend or configure cards individually or in bulk. Set spend controls, category restrictions and limits per card or per group.
Compliance & Reporting
Regulatory reporting, automated and audit-ready.
Access AML alerts, KYC/KYB status per client, sanctions screening results and transaction monitoring reports — all consolidated and exportable. Satisfy your programme manager obligations without building a compliance team from scratch.
Disbursement Control
Initiate and track every payment at scale.
Trigger bulk card loads, SEPA transfers and refund disbursements directly from the dashboard. Every transaction is logged, attributed and reconciled automatically. Full audit trail available at any point.
Real-time DashboardBulk Card Management AML & KYC OversightAutomated Reconciliation Audit TrailRole-based Access
08
Financial App — End-User & Business Portal
Two distinct access layers under a single product — a consumer-facing application for end users to manage their Manzur Capital accounts and cards, and a business portal for companies to oversee their financial relationship with Manzur Capital. Both designed for clarity, speed and security.
For End Users — Consumer App
Your Manzur Capital account, always in your pocket.
End users access their IBAN account, check balances, view transaction history, and manage their Visa® or Mastercard® cards — virtual and physical — adding them instantly to Apple Pay or Google Pay. Available on web and mobile.
Account holders · Card recipients · Individual clients
For Businesses — Company Portal
Your financial relationship with Manzur Capital, fully managed.
Business clients access a dedicated portal to manage accounts, initiate transfers, review card programmes, download statements and communicate directly with the Manzur Capital team. Designed for the client relationship, not internal operations.
Corporate clients · Programme participants · Enterprise accounts
Web & MobileIBAN Account Access Card ManagementApple Pay · Google Pay Transaction HistoryBusiness Portal Statements & Reporting
Embedded Checkout Infrastructure

Next-Gen Checkout

Maximum Security, Frictionless Approvals.

Reduce false-positive declines with embedded bank-authenticated payment flows designed for modern high-volume merchants.

Optimized Approvals
Designed to reduce unnecessary issuer declines.
Invisible Security
Bank-authenticated protection without added friction.
Premium UX
Embedded checkout flows that preserve brand trust.
S2S + HPP (Embedded Checkout)

A hybrid payment architecture that preserves S2S continuity while adding an embedded checkout layer for improved operational performance.

S2S compatible Embedded Checkout Reduced false declines
S2S Processing
HPP Embedded Checkout
Acquiring Bank
Approved
Technical Infrastructure

Built on institutional-grade
payment infrastructure.

Behind our financial services layer sits a global payment infrastructure — S2S processing, tokenization vault and multi-acquirer routing — operating to the same security and compliance standards as the world's largest payment networks.

Server-to-Server Core
S2S Processing
Zero client-side exposure. Sub-200ms latency. Intelligent cascade across 40+ global acquiring connections with automatic retry and failover.
ISO 85833DS2REST / JSONCascade
Credential Security
Tokenization Vault
PANs, IBANs and wallet credentials tokenized at ingestion — before reaching your infrastructure. PCI DSS Level 1. Network-agnostic portable tokens.
PCI DSS L1AES-256Network TokensMulti-acquirer
EU e-Money Licence
Passported across EU27
FCA Regulated
UK financial services
PCI DSS Level 1
Highest certification tier
AES-256 Encryption
At rest and in transit
3DS2 Native
Frictionless authentication
GDPR Ready
Data residency controls
Markets

Europe first.
Built to scale beyond.

Our primary focus is helping businesses establish and grow their European financial operations — with the infrastructure and regulatory coverage to expand into further markets as the business demands.

Primary Market — Active
Europe — EU & UK
Full regulated financial services under EU-passported e-money institution licence. FCA regulated for UK operations. SEPA, FasterPayments, open banking and card issuing active.
Fully Operational
Operations Hub — Active
Dubai — MENA
The Bridge, Level 2, Dubai Sports City. Global operations headquarters and gateway to MENA markets. Active cross-border payment infrastructure.
Active
Expansion Market
Latin America
Local payment rail connections and regional acquiring infrastructure across key LATAM markets. Expansion roadmap active.
Infrastructure Active · Expanding
Expansion Market
Asia Pacific
Regional acquiring bank connections and alternative payment method coverage across APAC markets.
Infrastructure Active · Expanding
Get Started

Ready to launch your
European financial operation?

Tell us about your business and the services you need. Every inquiry is reviewed by our team and qualified submissions receive a response within 2 business days.

Submit an Inquiry
We work with fintechs, startups, marketplaces, financial institutions and global merchants entering Europe.