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APIs · head to head

Enfuce vs Tuum

Enfuce logo

Enfuce

APIs

European issuer processor holding its own payment institution licence

From
On request
Rated
-
Full reviewWebsite
Tuum logo

Tuum

APIs

Modular core banking platform from Estonia, formerly branded Modularbank

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Enfuce coverage is European, so a programme that also needs US or Asian issuing requires a separate processor and a separate integration.; Tuum it is a smaller, younger company than Mambu, so it has fewer live reference deployments and a shorter track record to evaluate risk against.
  • They diverge on capability: Enfuce covers Licensed issuing, Tuum covers Modular product structure.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Enfuce and Tuum actually diverge.

Attributes where Enfuce and Tuum differ
AttributeEnfuceTuum
PlatformsWeb, REST APIWeb, API

Identical on both: starting price (On request), pricing model (quote), free tier (No), user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Enfuce

  • Licensed issuing
  • Card processing
  • Tokenisation
  • Spend controls
  • Multi-currency programmes
  • Carbon and data services

Only in Tuum

  • Modular product structure
  • Low-code integration middleware
  • Cloud-agnostic deployment
  • Multi-currency real-time accounts
  • Cards and lending modules
  • Faster migration timeline

What people use each for

The jobs each tool is most often brought in to do.

Enfuce

  • A European fintech launching cards without spending two quarters finding a sponsor banknot Tuum
  • A corporate issuing fuel or expense cards across several EU countries on one programmenot Tuum
  • A bank migrating an existing European card portfolio off a legacy processornot Tuum
  • A programme that must report cardholder transaction carbon data to meet sustainability commitmentsnot Tuum

Tuum

  • A bank wanting to migrate specific banking products to the cloud within months rather than replacing its entire core at oncenot Enfuce
  • A fintech in the DACH region or Middle East wanting a European core banking vendor with regional expansion focusnot Enfuce
  • An institution wanting low-code middleware to connect new modules to an existing legacy core rather than a full rebuildnot Enfuce
  • A company researching "Modularbank" that needs to confirm it is the same company now branded Tuumnot Enfuce

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Enfuce

  • Coverage is European, so a programme that also needs US or Asian issuing requires a separate processor and a separate integration.
  • Where Enfuce acts as the licensed issuer it takes on regulatory risk and prices accordingly, so the convenience of skipping a sponsor bank is not free.
  • European interchange caps limit programme revenue far below US levels, so business cases imported from a US card model do not survive the move.
  • It is a smaller supplier than Marqeta or i2c, which means less negotiating room on scheme fees and a thinner partner ecosystem around it.
  • Pricing is entirely quoted with monthly minimums, so low-volume programmes carry a fixed cost that does not scale down with a slow launch.

Tuum

  • It is a smaller, younger company than Mambu, so it has fewer live reference deployments and a shorter track record to evaluate risk against.
  • The 2022-era rebrand from Modularbank to Tuum means older funding records, case studies and press coverage appear under a different name, complicating due diligence for anyone unaware of the change.
  • Pricing is entirely unpublished, requiring a sales conversation to budget against competing composable core vendors.
  • Its geographic expansion into DACH and the Middle East is comparatively recent, so support depth and local regulatory expertise in those markets are less proven than in its home Baltic and Nordic base.
  • As with any core banking platform, choosing Tuum is a multi-year infrastructure commitment; switching cores after implementation is a major undertaking regardless of how modular the initial adoption was.

Pricing, plan by plan

Enfuce

On request
  • Enfuce issuing and processing$undefined/year
    • Per-active-card and per-transaction fees with monthly minimums
    • Higher pricing where Enfuce acts as licensed issuer rather than processor only
    • Interchange arrangements depend on who holds the issuing licence

Tuum

On request
  • Tuum$undefined/year
    • Subscription and module-based pricing, not published
    • Custom quote required via sales

Which should you pick?

Choose Enfuce if

  • You need licensed issuing.
  • You work on Web, REST API.
  • You also want card processing.
Enfuce review

Choose Tuum if

  • You need modular product structure.
  • You work on Web, API.
  • You also want low-code integration middleware.
Tuum review

Questions people ask

Is Enfuce or Tuum better?
Neither clearly leads. Enfuce starts at On request and Tuum at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Enfuce or Tuum?
Enfuce starts at On request and Tuum at On request.
Does Enfuce or Tuum run on more platforms?
Enfuce runs on Web, REST API. Tuum runs on Web, API.
What is Enfuce best used for?
Enfuce is most often used for a european fintech launching cards without spending two quarters finding a sponsor bank, a corporate issuing fuel or expense cards across several eu countries on one programme, a bank migrating an existing european card portfolio off a legacy processor, a programme that must report cardholder transaction carbon data to meet sustainability commitments. Of those, a european fintech launching cards without spending two quarters finding a sponsor bank and a corporate issuing fuel or expense cards across several eu countries on one programme are not what Tuum is typically brought in for.
What can Enfuce do that Tuum cannot?
Enfuce covers Licensed issuing, Card processing, Tokenisation, Spend controls. Tuum covers Modular product structure, Low-code integration middleware, Cloud-agnostic deployment, Multi-currency real-time accounts.

Answered from the vendors’ own pages

Enfuce: Do I need my own licence to use Enfuce?

Not necessarily. Enfuce holds Finnish payment institution authorisation and can act as issuer, or process under your own licence if you have one.

Tuum: Is Tuum the same company as Modularbank?

Yes, Modularbank rebranded to Tuum; it is the same company and platform.

Enfuce: Which regions does it cover?

Europe. It is not a route to issuing cards in the United States or Asia.

Tuum: Where is it strongest geographically?

Its base is Estonia and the Nordic and Baltic region, with newer expansion into DACH and the Middle East.

Enfuce: How does interchange work?

Who holds the issuing licence determines who receives interchange, so the licensing choice and the revenue model are the same decision.

Tuum: Is pricing published?

No, subscription and module pricing require a sales conversation.

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