Who we are?

iCard AD strives to grow as one of the most innovative, technology driven and competitive payment institutions in Europe.


Constantly analyzing client's needs and market trends, combining highly specialized knowledge with vigorous creativity and energy, we offer to our individual and corporate clients throughout Europe a new generation payment services.


We believe that a new generation payment service is interactive, intuitive and is delivered in the most flexible and cost effective way for our clients regardless of national borders.


Being the first full member of MasterCard, Visa and SWIFT, licensed as a payment institution under the European Payment Services Directive, we aim at providing our clients with a real alternative to the traditional banking services in Europe.


We apply the highest standards of certainty, security and professionalism. In compliance with the EU directives our clients' funds are fully segregated and hold with banks in Switzerland with highest credit rating.


iCard is a stable and modern company, engaged in social activities and responsibility. Part of our incomes from co-branded cards, such as the Ceder Foundation and MasterCard, are used to help disadvantage children and young persons. We developed inovative products such as credit cards especially for students, hoping to support their education and professional development, as we believe what matters most for the success of a team, a company or a state is the people.

Highly motivated and intelligent team, leaded by inspiring and experienced managers, engages its best efforts in building one of the most innovative and competitive payment institutions in Europe.

Our business focus is:

  • VISA and MasterCard cards issuing
  • Management of cardholders’ services
  • VISA and MasterCard card processing for merchants
  • Co-brand programs for card issuing
  • Partner programs for card related services