Transforming payments from the heart of Malta

Malta Payments

Our mission

Our mission is clear and steadfast: to deliver affordable payment solutions accessible to businesses of all sizes and industries. We are here to inspire and guide these businesses to excel in a competitive landscape and achieve their full potential.

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.

Meet our team

Artjoms Grivkovs (Founder, Director)

Artjoms Grivkovs is a seasoned fintech entrepreneur and the driving force behind Mellifera Kartiera. He leads the company’s mission to provide cutting-edge electronic money services and digital payment solutions to clients across Europe. With a strong background in product management and a Master’s in Finance and Investments, Mr. Grivkovs oversees the continuous development of Mellifera Kartiera’s core offerings, including IBAN accounts, SEPA payments, virtual card issuance, and safeguarding of client funds. A passionate advocate for the transformative role of artificial intelligence in the financial sector, he actively integrates AI-driven technologies into Mellifera Kartiera’s service architecture and frequently shares insights on the future of AI in fintech with the wider community.

Jaroslav Zamullo, CEO (Chief Executive Officer)

Jaroslav Zamullo, Chief Executive Officer at Mellifera Kartiera Limited, legal and compliance expert, has over 20 years of experience in banking law, e-commerce, and financial institutions. His expertise includes legal risk control, compliance management, and advising on complex regulatory and corporate matters. Jaroslav has successfully guided numerous businesses through intricate legal challenges and regulatory landscapes, ensuring they remain compliant while maintaining operational efficiency across a range of industries.

Joseph Camilleri (Director, Chairman of the Board)

Joseph Camilleri is an accomplished financial services professional. With extensive experience in banking and financial services, Mr. Camilleri combines strategic leadership with a strong focus on governance and compliance. He is recognised for his deep expertise in modern payments infrastructure, including IBAN accounts, SEPA transfers, virtual card issuance, and acquiring services, and he played a pivotal role in shaping Malta’s growing reputation as a FinTech hub. Previously, Mr. Camilleri worked as a freelance consultant in the financial sector, developing custom strategies and solutions that blend regulatory prudence with innovation. Today, he leads Mellifera Kartiera through the evolving financial landscape, guiding the company in delivering tailored payment services that prioritise security, compliance, and user-centric design.

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