Blackcatcard is an international money service that was founded in 2019 and is based in Europe. It is issued by Papaya Ltd., licensed by the Malta Financial Services Authority as an Electronic Money Institution (EMI) with the registration number C55146. It offers virtual and plastic cards which can be accepted at any ATM or payment terminal that works with Mastercard. The creation of the account and the virtual card, as well as card maintenance, come free of charge for individuals. Blackcatcard provides an online bank service, and an app to manage cards and accounts, as well as all integrated services. The service is available for individual and corporate customers alike. These include various cashback and bonus programs, cryptocurrency-related services in addition to traditional fiat ones, and the option of issuing additional cards tied to the single account, The Blackcatcard service is primarily meant for citizens of the EEA but is also well-loved by users from other regions, such as the US, South Korea, China, South Africa and many others. People worldwide can use the European IBAN account and Blackcatcard mobile application without any problems, however, the payment card is available only for customers with the EEA address proofs.