qards GmbH is a specialized processing service provider and part of the Sparkassen-Finanzgruppe in Germany. Formed by the merger of PLUSCARD and Bayern Card-Services in October 2024, it offers end-to-end services for credit and debit cards, including technical and service processing, value-added services, and professional customer dialogue services through its subsidiary qardsCOM. The company serves credit institutions and cardholders across Germany, managing over 38 million cards.