Small French businesses (shops, restaurants, tradespeople, ride-hailing drivers, home-service providers) that want a business account plus in-person card acceptance.

traditional

Fees

Essential (processing under €10,000/month): no commitment, Tap to Pay included, preferential commission 1.49% (shown reduced from 1.55%). Plus (processing over €10,000/month): no commitment, physical terminal included, preferential commission 0.39% + €0.05 (shown reduced from 0.49% + €0.05). Smart Smile terminal €199 excl. VAT, Super Smile terminal €299 excl. VAT (free with Plus plan).

Settlement

Next business day

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Euronet Worldwide

Finion

Gyms and fitness studios, especially those on Magicline or PerfectGym, that want membership billing, card/wallet acceptance and collections from one provider.

Nayax

Unattended Cashless Payments

traditional

Fees

Per-device + transaction fees

Treezor

European BaaS

Buy Me a Coffee

Creator Monetization

PassTo (Swift Payment Technologies)

PingPong Payments

Cross-Border E-Commerce Payouts

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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Unifiedpost

Corpay

Enterprise cross-border B2B payments, FX risk management, and AP automation

traditional

Fees

0.3-0.8% for B2B transfers; FX markup varies

Discover Global Network

Discover & Diners Club Network

traditional

Fees

Interchange-based (network fees vary by acquirer and region)

Akurateco

White-label payment gateway resellers

Castles Technology

Android smart POS terminal manufacturer

Heropay

Small French businesses that want a free or low-cost online business account with short-term supplier-invoice financing and faster marketplace payouts.

Hero paie vos ventes BackMarket et Conforama à j+1 de vos ventes.

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Bankoro

Fintechs that want to build account-based products, and businesses with international activity or foreign owners and directors that need a UK multi-currency account and meet the £2 million turnover or balance minimum.

baas

Fees

Account opening fee: individual, typically from £300 for CAT 1 jurisdictions; Monthly fees: individual, typically from £100/month for CAT 1 jurisdictions; Foreign exchange (FX) charges: individual, typically from 0.18%; Outgoing payment charges: individual, typically from £2 and 0.2%; Incoming payment charges: individual, typically from £1 and 0.1%; Account closure fee: 3x monthly fee; Non-compliance with customer profile: individual, typically up to 12x monthly fee; Special requests: individual, typically from £100

Settlement

Varies

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Brite Payments

European Instant Payments

DirectPayEU

European e-commerce merchants accepting IBAN bank payments as a card alternative

traditional

Fees

0.8-1.5% for bank transfers

Settlement

1–3 business days

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Smile&Pay

French small and mid-sized merchants (restaurants, retail, services) wanting card terminals or Tap to Pay with no long-term commitment

traditional

Fees

From 0.49% + EUR 0.05 per transaction (excl. VAT), no commitment period; the site states services are activated from EUR 10,000 monthly payment volume

Settlement

Instant to 24 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.