BPC: A Global Payments Partner Built To Scale From Issuing To Acquiring

BPC is a global payments technology company best known for its SmartVista platform, a cloud-ready suite that powers issuing, acquiring, real-time payments, switching, fraud management, and merchant services. Headquartered in Switzerland, BPC says it serves more than 500 customers across 140 countries and handles about 30 million transactions daily across its stack. That global footprint and daily scale position BPC as a credible choice for banks, processors, fintechs, national switches, and payment service providers that want to modernize fast without sacrificing resilience.

What BPC Does

At its core, BPC connects the full payments value chain. Central banks, commercial and neobanks, issuers, acquirers, PSPs, transport operators, governments, and marketplaces use SmartVista to run end-to-end transactions. The product family spans issuing and card management, merchant acquiring and eCommerce, a high-throughput transaction switch, instant payments, and layered risk management that can be deployed on-premises, in the cloud, or as a managed service.

Who BPC Serves

BPC’s target users include traditional and digital banks, fintechs launching card and wallet programs, PSPs and acquirers consolidating channels, and national payment systems building real-time rails. For each profile the company offers modules that plug into existing cores through APIs, with a developer portal and sandbox for faster testing and integration.

SmartVista For Acquiring and eCommerce

If you are evaluating BPC as a payment processor or an acquirer enablement partner, the acquiring and eCommerce layers are the most relevant. BPC frames SmartVista Acquiring around point of sale, SoftPOS, eCommerce, and ATM acquiring, with built-in alignment to PCI DSS frameworks and controls to keep pace with scheme and regulatory changes. The pitch is simple: reduce clicks to completion, support the payment methods customers prefer in each region, and scale up or down with demand.

On the online side, SmartVista eCommerce operates as a payment gateway with 3-D Secure and risk-based authentication. It is designed to run as a complete gateway or to augment an existing internet payments stack. BPC highlights support for a wide range of options, from traditional card payments to wallets and emerging methods, and notes compatibility with popular CMS integrations and an API sandbox. The product literature also references support for Apple Pay, Alipay, WeChat Pay, and even crypto, alongside visual toolkits and low-code business logic to speed custom flows.

Merchant Experience

For merchant operations, BPC offers a Merchant Portal for real-time visibility into payments, refunds, settlements, and disputes, and a broader Merchant Management module to orchestrate instruments and channels across POS, SoftPOS, eCommerce, and QR. These components address day-to-day needs like reconciliation, chargeback workflows, and performance monitoring that matter to finance teams and PSP operations alike.

SmartVista For Issuing

BPC’s issuing platform covers physical, metal, virtual, and tokenized cards, with native support for global schemes such as Visa, Mastercard, American Express, Diners, UnionPay, and JCB. It emphasizes fast personalization, co-branded programs, and developer-friendly APIs that tie into digital channels and CRMs. For institutions running both sides of the business, the issuing stack connects naturally to acquiring and switch services.

Switch and Real-Time Payment Rails

Underneath, SmartVista Switch is BPC’s transaction routing engine. It connects all payment channels, supports stand-in authorization if the core is unavailable, and is marketed with high availability and headroom claims, including up to 7,000 transactions per second and 99.999 percent uptime. For markets moving to instant payments, SmartVista Instant Payments integrates real-time rails and exposes APIs for broader ecosystem use. The switch also includes a flexible fee engine and tokenization capabilities to keep billing and security aligned with product changes.

Risk and Fraud Management

BPC’s fraud solution, SmartVista Fraud Management, combines rules with machine learning to reduce false positives and detect threats across channels in real time. The company promotes omnichannel coverage and self-service ML features, which is increasingly critical for issuers and acquirers facing higher fraud pressure. Recent deployments reported in the trade press include AI-led fraud risk management rollouts at banks in Asia and the Middle East.

Processing as a Service: BPC Payment Service and Radar Payments

Beyond software, BPC offers white-label processing. BPC Payment Service is described as a processing provider for issuers and acquirers, covering merchant onboarding, POS and mPOS acquiring, card management across credit, debit, prepaid and more, tokenization, loyalty, and eCommerce marketplace capabilities. BPC has also built Radar Payments, a BPC company focused on omnichannel processing delivered as SaaS, with industry write-ups noting its launch for banks, PSPs, and neobanks. This matters if you want processing without running infrastructure, or if you plan to launch quickly in multiple markets on a white-label basis.

Deployment Options and Integration

BPC underscores flexible deployment. Institutions can run SmartVista on-premises for maximum control, deploy in the cloud, or consume as a service while focusing on commercial growth. A developer portal and public sandbox support hands-on evaluations for issuing and eCommerce flows before go-live. That mix appeals to banks with strict compliance needs as well as fintechs optimizing for speed to market.

Recent Momentum and Case Studies

BPC’s current news cycle shows steady adoption across regions. In August 2025, Lithuanian lender Artea Bank integrated SmartVista to modernize card issuing, while in June 2025 Tanzania’s CRDB Bank migrated both issuing and acquiring systems to BPC’s platform. In March 2025, Somalia’s national payment switch launched the country’s first instant payment system with QR support on SmartVista. Earlier case studies include national and regional switches citing transaction growth after moving to BPC. These examples illustrate that BPC is equally relevant for greenfield fintech builds and large-scale migrations.

Why Businesses Choose BPC

Breadth without fragmentation. Because issuing, acquiring, switching, instant payments, and fraud live on the same core, institutions can add capabilities without creating siloed systems. That reduces integration overhead and accelerates time to market when launching new products or entering new regions.

Global reach with local nuance. BPC emphasizes deployments in 140 countries and a customer base that ranges from national switches to mid-tier banks and PSPs. For acquirers, SmartVista supports local and global schemes and multiple payment types, including wallets and alternative methods, which is essential for cross-border acceptance strategies.

Scalability and resilience. The switch claims five-nines availability and multi-thousand TPS headroom, with stand-in authorization for continuity when a core is down. That combination is valuable in markets with peak seasonal volumes and in migration programs where stability is non-negotiable.

Security and compliance. BPC calls out alignment with PCI DSS frameworks across its acquiring stack and supports 3-D Secure with risk-based authentication for the gateway. These controls help merchants and acquirers manage authorization friction while meeting scheme and regulatory requirements.

Choice of operating model. Whether you want to license software, run managed services, or outsource end-to-end processing under your own brand, BPC’s portfolio and Radar Payments give you options that match cost and control preferences.

When BPC Fits Best

• Banks consolidating legacy platforms. Migrations that span issuing, acquiring, switching, and risk can land on a single architecture and then expand incrementally. Recent bank migrations in Europe and Africa show this path.

• PSPs and acquirers scaling omnichannel acceptance. If you need POS, SoftPOS, and eCommerce in multiple countries, plus a merchant portal and fraud controls, SmartVista’s acquiring stack and gateway are strong candidates.

• National systems building real-time rails. SmartVista has been deployed for national switches and instant payment schemes, including new launches in frontier markets.

• Fintechs needing speed and coverage. The white-label processing route through BPC Payment Service or Radar Payments can accelerate launch timelines while preserving branding flexibility.

Conclusion

BPC delivers a comprehensive payments stack that can be licensed, managed, or consumed as processing. SmartVista covers issuing, acquiring, eCommerce gateway, switching, real-time payments, and fraud management on a unified foundation. Recent wins across Europe, Africa, and Asia show that BPC is used by both modern digital banks and established institutions. If your roadmap includes multi-country acceptance, new card programs, instant payments, or a platform migration, BPC offers a credible, globally proven option.