RS2 has launched “Beyond by RS2,” a digital payments platform aimed at fintech firms, platforms, and payment providers seeking to offer card issuing and payment acceptance services across Europe.
The solution is built on the company’s BankWORKS platform and is designed to provide access to issuing and acquiring capabilities without requiring partners to obtain their own banking license or direct membership with card schemes.
The platform operates under RS2’s Electronic Money Institution (EMI) license in Germany and its principal membership with Visa and Mastercard. This structure allows partner companies to use RS2’s regulated infrastructure while maintaining their own branding and customer interfaces.
“Beyond by RS2 represents a major step in our strategy to enable innovation in payments,” said Radi El Haj, CEO, RS2. “Fintechs today want to build powerful payment products quickly, but the regulatory and technical barriers can be significant. Beyond by RS2 removes that complexity, allowing innovators to focus on their customers while we provide the infrastructure, compliance and scale.”
The platform combines card issuing and merchant acquiring within a single system, a model that differs from many Banking-as-a-Service offerings that focus primarily on issuing. According to the company, this enables users to develop integrated payment services, including consumer and corporate card programs, multi-currency products, embedded finance solutions, and merchant payment acceptance.
The system also includes reporting and compliance tools and is supported by a cloud-based infrastructure designed to handle high transaction volumes and integrate with external systems through APIs.
RS2 states that, by using its regulatory framework, partners may be able to reduce the time required to launch new payment programs compared to traditional approaches, while remaining aligned with European regulatory requirements.
“Beyond by RS2” is positioned for a range of users, including fintech companies, independent software vendors, payment facilitators, and digital banks.
About RS2
RS2 provides payment processing infrastructure and technology for financial institutions and payment providers. Its platform supports issuing, acquiring, and transaction processing across multiple payment channels, with a focus on scalability and integration.
