Browse payment providers

Custom

170 business days

Surfboard Payments

Software vendors (ISVs), payment facilitators, acquirers and multi-location merchants, mainly in the Nordics, that want in-store, Tap to Pay and online payments through one API, plus small businesses using the packaged Surfpay POS.

finAPI

Businesses and software providers in Europe that want to add account-to-account SEPA transfers, direct debits, instant payments and bank-account data access to online stores or accounting workflows via API.

Payments (Non-e-commerce / Retail / Add-on Payment): Basic licence up to 200 payment orders (monthly flat rate) €50 / €50 + 0.5 % / €20; Basic licence up to 1,000 payment orders (monthly flat rate) €250 / €250 + 0.5 % / €100; from 1,001 to 5,000 payment orders per payment order €0.25 / €0.25 + 0.5 % / €0.10; from 5,001 to 10,000 €0.22 / €0.22 + 0.5 % / €0.10; from 10,001 to 25,000 €0.20 / €0.20 + 0.5 % / €0.10; from 25,001 to 50,000 €0.18 / €0.18 + 0.5 % / €0.10; from 50,001 to 100,000 €0.16 / €0.16 + 0.5 % / €0.10; from 100,001 €0.14 / €0.14 + 0.5 % / €0.10. Conditions for other sectors (e.g. travel, content or gambling) or payment service providers (PSP) on request.

Crossmint

Fintechs, remittance, payroll and other enterprises or developers that want to embed stablecoin wallets, fiat-to-stablecoin onramps/offramps and global stablecoin payouts in their products.

crypto +2

Wallets: Free 1,000 Monthly Active Wallets. Overages start at $0.025 per MAU. Onramps, Offramps & Checkout: Per-transaction fees with volume-based discounts. Orchestration: Per-transaction fees with volume-based discounts.

Tink

European Open Banking

Yapily

European Open Banking API

Finmo

Cross-border businesses, and fintechs, marketplaces, payroll and EOR providers that need multi-currency accounts, collections, payouts and FX through a dashboard or API.

baas +2

Business Account: $0 to open, no monthly fees, no minimum balance, unlimited free user seats. Local collections: free (most currencies). SWIFT collections: free (45+ currencies). Local payouts: from $0 (selected rails include free allowances). SWIFT payouts: US$5 (195+ countries). FX: 0.07% (7 bps) on major currency pairs (launch pricing); minor and exotic pairs: competitive. Treasury and Embedded: custom, combining subscription and usage fees.

Marqeta

Modern Card Issuing

0.12-0.5% of interchange

Noah

Platforms that need API-driven fiat-to-stablecoin pay-ins and automated payouts in local currencies, for example for remittances, payroll, e-commerce marketplaces, crypto wallets and exchanges, or treasury.

PayHQ

Businesses that use several payment gateways and want a single integration to route between them, add bank payments (BankPay), and reconcile payments against invoices.

Standard plan from free to 0.5% (first £1,000 free; final price by integration and volume); BankPay open banking marketed as no transaction fees; SMS 5p each; Sage integration +0.1% of turnover; Enterprise by quote

Receive funds in seconds, not days.

Newrails

Fintechs, PSPs, crypto/Web3 platforms and international businesses that need regulated euro IBAN accounts, direct SEPA access and a euro stablecoin rail via one API.

baas +2

Indicative standard rates (Standard Due Diligence; final price set on application). Monthly fee: Starter €0, Growth €12.99, Scale €35, Non-EU custom pricing. Account opening and application review: €0 on EU plans. EUR local inbound: €0. EUR local outbound per transfer: €1.00 (Starter), €0.50 (Growth), €0.25 (Scale), from 0.05% (Non-EU). EUR international outbound (SHA): 0.45% min €25 / max €125 (Starter), 0.35% min €22 / max €100 (Growth), 0.25% min €20 / max €75 (Scale), 0.40% min €25 / max €125 (Non-EU). EUR international outbound (OUR): 0.45% min €40 / max €150, 0.35% min €35 / max €135, 0.25% min €30 / max €125, 0.40% min €40 / max €150. Crypto-related transaction surcharge: 0.45% min €25, 0.35% min €22, 0.25% min €20, 0.40% min €25. EURW mint/redeem: €0. EURW deposit/withdraw: 1.0000 EURW (EU plans), from 0.05% (Non-EU). EURW ↔ USDC swap: 0.3000 / swap (Non-EU). Transfers to other Newrails users €0. High-risk businesses (Enhanced Due Diligence): pricing quoted per client.

Instant to 10 business days

Stable Mint

Businesses in the EU/EEA and supported third countries that want to collect, hold, convert and pay out EUR/USD via regulated stablecoins alongside SEPA/SWIFT rails, especially for cross-border trade, platforms and marketplace/payroll payouts.

Stitch

South African Open Banking

TSYS (Global Payments)

Enterprise Issuer Processing

1POINT6

Marketplaces, franchises and other platforms that have to handle payment flows involving many parties across several countries, plus seller KYC/KYB, in Europe.

Standard: Pay-in 1.0% + €0.25 for personal bank cards in the eurozone; identity verification from €0.80 per month per active legal entity; payout €0.15 per SEPA credit transfer (SCT). Incoming SEPA transfers €0.25; outside the SEPA zone (SWIFT) €8; SEPA direct debits for individuals €0.45; SEPA direct debits for businesses €0.45 + €15/order. Non-EU personal bank cards and business cards: on request. Custom offering available.