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Focalpay logo

Focalpay

Retailers with physical stores and e-commerce that want a unified checkout, backoffice and payment-orchestration layer, including account-to-account payments.

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Fees
Custom
Settlement
Instant
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Quantoz logo

Quantoz

Businesses, payment providers and checkout platforms in Europe that want to collect euro revenue in a virtual IBAN account and settle, pay out or refund using regulated euro/dollar e-money tokens (EURQ, USDQ).

crypto +2
Fees
Custom
Settlement
In its own Quantoz account, in seconds, 24/7.
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Financial House logo

Financial House

UK businesses and ISOs/partners that need GBP and EUR virtual IBAN accounts, including white-labelled accounts for their own clients, via a single API.

baas +1
Fees
Custom
Settlement
Varies
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MAP logo

MAP

Local authorities, social bodies, associations, companies and crowdfunding (cagnotte) platforms that want to hand out earmarked, traceable euro budgets through payment accounts, optionally under their own brand.

baas +1
Fees
Custom
Settlement
Varies
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Mipise Payment Services logo

Mipise Payment Services

Fintechs, investment and crowdfunding platforms, booking businesses, licensed brokers and non-profits that need regulated collection, escrow-style segregated accounts and payouts on behalf of third parties.

baas +1
Fees
Custom
Settlement
Varies
View provider
NoFrixion logo

NoFrixion

Businesses that handle money on behalf of others, such as insolvency practitioners, outsourced FinOps firms, property managers and non-bank lenders, and want programmable IBAN accounts and automated reconciliation.

baas +1
Fees
Custom
Settlement
Varies
View provider
Open Payments logo

Open Payments

ERP, accounting, treasury, payroll and other B2B software providers in the Nordics and the Netherlands that want to build bank payments and account data into their products.

infrastructure +1
Fees
Custom
Settlement
With real-time exchange rates and same-day settlements
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OTTO Payments logo

OTTO Payments

Relevant only to sellers on the OTTO marketplace (otto.de); its website doesn't describe any open sign-up for outside merchants.

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Fees
Custom
Settlement
Varies
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Isabel logo

Isabel

Belgian and European businesses and software companies that need multibank account information, payment initiation and open banking connectivity rather than card acceptance.

infrastructure +2
Fees
Custom
Settlement
Varies
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Lodin logo

Lodin

Businesses selling in-store, online or by invoice that want to take open banking bank-transfer payments through QR codes, payment links or a smartphone POS app.

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Fees
Custom
Settlement
Varies
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Billie logo

Billie

B2B online shops, marketplaces and platforms that want to offer business customers invoice payment terms without taking on credit or default risk.

traditional +1
Fees
Custom
Settlement
Varies
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KORONA POS logo

KORONA POS

Retail & Ticketing POS

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Fees
From $59/month per terminal
Settlement
Varies
Startup
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Piano logo

Piano

Restaurants, cafés, bistros, canteens and hotels in the Czech Republic that want card payments tied into a hospitality POS and operations software suite.

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Fees
Custom
Settlement
Varies
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Hope Macy logo

Hope Macy

UK banks, lenders and credit unions that want lending management software plus open banking data and Pay by Bank/VRP collections from borrowers.

infrastructure +1
Fees
Custom
Settlement
Varies
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Televend logo

Televend

Vending, office coffee service, micro-market and other unattended self-service retail operators that want cashless payments built into their machine management platform.

embedded
Fees
Custom
Settlement
Varies
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Alt21 logo

Alt21

SME and mid-market businesses managing international payments and currency exposure, and marketplaces, SaaS and payment platforms that want to embed FX, payments and hedging through an API.

baas +1
Fees
Custom
Settlement
Varies
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sciopay logo

sciopay

FX brokers, FX start-ups and other introducers that want to offer cross-border payments and currency exchange to their own clients under their own brand without building the technology.

infrastructure +1
Fees
Custom
Settlement
Varies
View provider
T

Turtle Pay

Swedish sports clubs and other sports organisations that need registration and fee collection in one place, plus sports retailers that want to offer customers financing in store and online.

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Fees
Custom
Settlement
Varies
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U

Unisonpay (Unison Global Markets)

Brokers and corporates looking for multi-currency accounts and cross-border payments from an FCA-authorised EMI, though new onboarding is currently restricted.

baas +1
Fees
Custom
Settlement
Varies
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Okoora logo

Okoora

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Fees
Custom
Settlement
Varies
Enterprise
Multi Currency
Sandbox
Claimed View provider
MoneyMonk logo

MoneyMonk

Dutch freelancers (zzp'ers) and small business owners who want accounting software with a built-in PSD2 connection to their business bank accounts.

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Fees
Custom
Settlement
Varies
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Shares logo

Shares

Wealth management firms, banks, insurers and fintechs that want to offer white-label investing (including crypto) or employee savings products, not merchants looking for card acceptance.

infrastructure +2
Fees
Custom
Settlement
Varies
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Tiime logo

Tiime

French freelancers, micro-entrepreneurs and small businesses (TPE) that want e-invoicing, accounting and a business account in one app.

embedded
Fees
Custom
Settlement
Varies
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XXImo logo

XXImo

Leasing companies, energy and fuel companies, EV platforms, parking operators and other fleet businesses that want to offer their own branded fleet payment product.

baas +1
Fees
Custom
Settlement
Varies
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