Payments & Financial Services
Card Issuing, Payment Solutions, Acquiring Services and Open Banking tailored to business of all sizes.
What we do
Payment Solutions (May - July 2025)
Kartiera offers a comprehensive suite of payment solutions designed to simplify and enhance your financial operations. From international payments and IBAN accounts to SEPA credit transfers and SEPA instant credit transfers, our efficient services ensure secure, and fast transactions for businesses of all sizes.
Acquiring Services (March 2025)
Kartiera offers everything merchants and payment service providers need to succeed, including supporting Mastercard, Visa. From secure transactions to scalable solutions, we’re here to power your growth in the dynamic payments landscape.
Issuing Services (March 2025)
With Kartiera’s Visa and Mastercard issuing services, you can provide secure and flexible virtual cards designed for digital transactions. Whether for corporate spending, team expenses, or customer rewards, you’re always ready to act.
Open Banking (February 2025)
Our Open Banking payment API offers a faster, more cost-effective alternative to traditional card payments, streamlining transactions and reducing costs for your business. Let’s transform the way you manage payments.
Who we are
In November 2024, Mellifera Kartiera Limited achieved a significant milestone by receiving a Financial Institution license from the Malta Financial Services Authority (MFSA). This license not only enhances our capabilities but also opens up a world of possibilities for our clients.
This pivotal achievement authorizes Mellifera Kartiera Limited to operate as a financial institution, providing a wide range of electronic money and payment services. Whether you want to optimize transactions, expand your global reach, or ensure compliance with financial regulations, Kartiera is your trusted partner and smart guide.
We offer businesses secure, reliable, and efficient access to global payment networks for transactions worldwide.
Industries we serve
At Kartiera, we provide tailored financial solutions across diverse industries, including:
- Technology,
- E-commerce,
- Healthcare,
- Manufacturing,
- Finance.
Whether navigating local markets or expanding globally, Kartiera is more than just a service provider. We are your trusted partner in achieving financial excellence and scalability, ensuring your peace of mind as your business grows.
Complete end-to-end
security guarantees
3D Secure 2
We’ve integrated Visa’s 3D Secure 2 across all our online payment options, providing your customers with a secure and smooth authorization process. So helping your store block most fraudulent transactions using advanced detection markers.
PCI DSS compliance
We are entirely PCI DSS compliant, allowing you to start processing payments instantly with hosted payment page integration. We handle compliance complexities so your team can focus on enhancing the customer journey.
GDPR
We strictly adhere to GDPR, ensuring that all personal data is handled in a secure and responsible manner. Your privacy is our priority, and we enforce strict measures to protect information.
PSD2 Conformity
As an Electronic Money Institution, we comply with the updated PSD2 directive, ensuring our financial services meet security and anti-fraud standards for robust payment protection.
Supported
currencies
Malta has been a trusted EU member since 2004 and is a hub of global finance. At Kartiera, we offer the security of dealing exclusively in EUR, providing stability and transparency without the risk of currency fluctuations. Our reliable services ensure seamless financial operations with pricing you can depend on.
- EUR-based transactions. Conduct all your payments in EUR, offering transparent pricing and eliminating risks of currency fluctuations.
- Consistency and trust. A stable and efficient foundation for your international operations.
Step into the future
Thousands of businesses worldwide are already elevating their global reach with Kartiera. Why wait? Get started today and experience the difference.