Businesses and platforms such as PSPs, payroll providers, e-commerce marketplaces, FX/CFD brokers, digital entertainment operators, and crypto exchanges or wallets that need to collect, convert and pay out stablecoins and fiat.

crypto +2

Fees

Custom

Settlement

170 business days

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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.

infrastructure +1

Fees

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.

Settlement

Varies

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Yapily

European Open Banking API

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.

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

Fees

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.

Settlement

Instant to 10 business days

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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.

ArmadilloPay

Program managers, travel-disruption compensation platforms and gig-economy aggregators that want white-labelled cards, IBANs, wallets and payouts in Ireland and the EEA under a regulated e-money licence.

STOKR

Asset managers, fund issuers and financial institutions in the EU that want to issue tokenized securities and handle the crypto/stablecoin payment leg for subscriptions, redemptions and distributions.

Bridge

Fintechs, crypto platforms and other businesses that want an API to move, accept, hold, issue or spend stablecoins and convert between fiat and stablecoins for cross-border payments and payouts.

Powens

Businesses and fintech platforms in Europe, such as lenders, accounting software and property managers, that want API-based pay-by-bank, SEPA direct debit and instant transfers along with bank data aggregation.

Funds are instantly received on your account and no-one pays interchange fees.

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i2c

Global Card Issuing & Processing

Solidgate

Online businesses selling globally, such as subscription, SaaS, cross-border e-commerce, marketplace and digital businesses, that want to run several PSPs through one integration.

NMI

Payment aggregators and ISV partners

Pelican AI

Feedzai

AI Financial Crime Prevention

Payall

Emerging Market Cross-Border Payments

Schuman Financial

Businesses that want to mint, redeem and move euros on-chain via a MiCA-compliant euro stablecoin, plus SEPA/SWIFT named-account payments and USD/EUR stablecoin FX.

Featurespace

Behavioral Fraud Analytics

Due

Businesses, fintechs and crypto/Web3 platforms that need multi-currency accounts, stablecoin settlement and cross-border collections or payouts, including through an API.

Redbanx

Businesses, financial institutions, payment service providers, insurers and family offices that need multi-currency accounts, FX and cross-border payouts through an API.

BANKSapi

Fintechs, e-commerce, ERP/accounting, lending and insurance businesses that need API access to bank account data or want to accept account-to-account Pay by Bank payments online or at the POS.