Payment Cloud Technologies
We excel in digital banking and payment solutions, working with many of the world's leading businesses

The Change Account ‘takes budgeting further' Read more from the Metro here

Sign up for the latest news from PCT

Payment Cloud Technologies

PCT have engineered a proven cloud based digital platform that reforms the way banking and payments are served. We are proud to be trusted by our customers to deliver reliable and robust banking grade financial services every day. Active in Europe, UK and Africa, we continue to expand internationally, both directly and in partnership with leading global organisations.

Payment Cloud Tech @PaymentCloudTec

Excited for the #BankingTechAwards tonight. Here's hoping for yet another win with @change_account!

Payment Cloud Tech @PaymentCloudTec

Thrilled to showcase how our products are making differences to lives with @change_account at DWP event today. Gove…

With PCT digital:VISION Technology our B2B2C Partners Deliver World-Class Digital Financial Services


bank.VISION ensures that your business can facilitate the delivery of high-quality banking services to your customers.

View Solution


card.VISION is your business’s full prepaid card service. It is a B2B solution for companies to support either B2B or B2B2C solutions for your customers.

View Solution


Helping your travel brand keep inconvenienced travellers compensated, retain high customer satisfaction and meet compliance regulations.

View Solution
PCT was the only business to come in and talk about our business in a way that relates to our customers and our position in the market, rather than just focusing on their own business or product.

Who we work with

Our Credentials

Payment Cloud Technologies (PCT) digital.VISION platform reforms the way that banking and payments are served.

Read more

Our Solutions

Debit or prepaid, commercial or consumer, or a digital banking infrastructure, we have the experts to help you offer a bespoke solution to meet the needs of your customers.

Read More

Why PCT?

We have enabled hundreds of clients to deliver value in digital banking, travel compensation and prepaid to grow, acquire and retain valuable customers.

Read more

Speak to one of our experts about our digital banking and payment solutions

THE PCT HUB – The latest news and expert opinions on all the important issues within the industry

Latest video

An Post – Finding the perfect FinTech partner

An Post is Ireland’s largest postal services provider. As one of the biggest commercial organisations in the country, its services encompass mailing, communication and retail for 1.7 million weekly customers nationwide.

Read more

Latest news

Delighted to be shortlisted for Best FinTech Partnership at Banking Technology Awards!

Payment Cloud Technologies and Change Account, the award-winning challenger bank, have been named as finalists for Best FinTech Partnership at the highly-respected Banking Technology Awards.

Read more

Latest in the media post

The Change Account – ‘takes budgeting further’

Friday 17th November, 2017 - The Metro today featured The Change Account (TCA) in an article, entitled ‘Bank to the future for finances’. It warned high-street banks to ‘watch out!’ and positions TCA strongly against major challenger financial institutions and apps, including Monzo, Curve and Klarna.

Read more

Shaping and guiding the future, together with each other

arrow-left-bkarrow-leftarrow-right-bkarrow-rightavailable brittany-ferries business-opportunities call change-account cloud-based drive easy-jet everyday facebook fairfx faster fexco fully generate google implementation innovation instagramlinkedin market mastercard our-credentials our-heritage pitney-bowes play-blackplay-iconplus post programme-management quintessentially quote-mark replaces safer scalable security service-and-support technology-and-functionality thinkmoney travelwelfare twitter unisys up-right-arrow vimeovisa wirecard