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Payments services are provided as part of the Spendesk product by Spendesk Financial Services, Okali and Transact Payments Malta Limited in the EEA, by Transact Payments Limited in the UK and by Sutton Bank in the US. Spendesk Financial Services is a French payment institution licensed by the ACPR under number 17518. Okali is a French e-money institution licensed by the ACPR under number 17448. Transact Payments Limited and Transact Payments Malta Limited are e-money institutions licensed respectively by the GFSC and the MFSA. Sutton Bank is an FDIC insured member institution. Visa debit cards are issued by Spendesk Financial Services in the EEA and by Sutton Bank in the US, pursuant to a license from Visa. Mastercard debit and prepaid cards are issued by Transact Payments Limited in the UK and by Transact Payments Malta Limited in the EEA, pursuant to a license from Mastercard International Incorporated.