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finAPI logo

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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FreedomPay logo

FreedomPay

Hospitality & Retail

traditional
Fees
Custom
Settlement
Varies
Enterprise
Sandbox
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Helio logo

Helio

Web3 commerce, creator payments, NFT sales

crypto
Fees
2% standard, 1% with HelioX pass
Settlement
Instant
Crypto
High Risk
Instant
Sandbox
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3S Money logo

3S Money

UK, EU and UAE-incorporated businesses such as importers/exporters, wholesalers and real-estate managers that need multi-currency accounts for high-value international transfers.

baas
Fees
Standard: €100 / monthly — UK Faster Pay £1; EUR SEPA €2; Payments to UAE 0.30%; Payments to China 0.60%; Receive from EU, UK, US and UAE 0%. Enterprise: €300 / monthly — UK Faster Pay £1; EUR SEPA €1; Payments to UAE 0.15%; Payments to China 0.45%; Receive from EU, UK, US and UAE 0%. Enterprise Plus: Bespoke / monthly. *Based on selected plan a fixed cost could be applicable, please view our fees plan for more information
Settlement
Varies
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M

Mizuho Bank

regional +1
Fees
Custom
Settlement
Varies
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NETELLER logo

NETELLER

Trading & Gaming

gaming
Fees
Free to merchants (user pays 2.5%)
Settlement
Instant
Instant
Sandbox
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Lunu logo

Lunu

Crypto POS Payments

crypto
Fees
1% per transaction
Settlement
Instant
Crypto
High Risk
Low Fees
Sandbox
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S

Societe Generale

regional +1
Fees
Custom
Settlement
Varies
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American Express logo

American Express

Premium Card Network & Acquiring

traditional
Fees
2.5-3.5% merchant
Settlement
3–7 business days
Enterprise
Recurring
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Pervesk logo

Pervesk

EEA/UK businesses (including high-risk or non-EEA ones on the Verslas+ plan) that need a European IBAN account, and financial institutions that want white-label IBAN accounts or KYC tooling.

baas +1
Fees
Verslas (low-risk businesses registered in LT, UK and EEA): business account application FREE; priority application review 1500 EUR; monthly service 12.99 EUR; internal transfers FREE; from/to Lithuanian and EEA (SEPA) banks 1 EUR; international SWIFT transfers (outgoing/incoming) 0.4%, min. fee 25 EUR; payment return 20 EUR + correspondent bank fees; currency exchange 0.00%. Verslas+ (high-risk sectors and/or outside EEA): application 450 EUR; priority review 1500 EUR; monthly service 69 EUR; internal transfers FREE; incoming SEPA 2 EUR + 0.05%; outgoing SEPA 1 EUR; SWIFT (outgoing/incoming) 25 EUR + 0.5%; payment return 20 EUR + correspondent bank fees; currency exchange 0.00%.
Settlement
Varies
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B

Bitpanda

crypto +1
Fees
Zero deposit and withdrawal fees on all fiat payment methods; trading/spread fees apply on assets (e.g. €1 per stock trade).
Settlement
Varies
Crypto
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Western Union logo

Western Union

Global Cash Remittance

traditional
Fees
Custom
Settlement
Near-instant
Instant
Sandbox
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A

AirPlus International

traditional
Fees
Custom
Settlement
Varies
Enterprise
Recurring
Virtual Items
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myPOS logo

myPOS

European Smart Card Readers

traditional
Fees
1.20% + €0.09 cards
Settlement
Instant
Instant
Startup
Sandbox
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TrueLayer logo

TrueLayer

Open Banking Payments

gaming +1
Fees
0.1-0.5%
Settlement
Same day
Instant
Startup
Sandbox
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Modulr logo

Modulr

UK Payment Automation

traditional
Fees
Custom
Settlement
Same day
Enterprise
Recurring
Sandbox
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Monek logo

Monek

UK businesses, from small retailers and hospitality venues to larger companies, that want in-store, online and phone card payments on a single account.

traditional
Fees
Growing Business (under £200,000/year): 0.99% blended rate on personal debit and credit cards; 1.99% on business credit and debit cards; 2.99% on foreign/non-UK cards; per-transaction fee of £0.05 on UK cards and £0.10 on non-UK cards; PCI compliance fee of £2.99 per month; terminals from £25/month; no setup fees; no monthly minimums. Established Business (over £200,000/year): bespoke IC++ (interchange-plus-plus) pricing, with per-transaction fees of 3p on UK cards and 10p on non-UK cards.
Settlement
Next business day
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Paxum logo

Paxum

Adult Industry

high risk
Fees
~2-5%
Settlement
1–3 business days
Crypto
High Risk
Instant
Sandbox
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Wix Payments logo

Wix Payments

Wix Website Payments

traditional
Fees
2.9%–4.3% + $0.3
Settlement
3–5 business days
Startup
Sandbox
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Online Payment Platform logo

Online Payment Platform

Marketplaces and platforms that need to onboard merchants and split, hold (escrow) and pay out funds between buyers and sellers.

embedded +1
Fees
Standard: Pay-in starts from €0,25; Pay-out free; Onboarding free. iDEAL Wero €0,25; American Express €0,10 + 0,20% + AMEX fee; Mastercard / VISA / Apple Pay / Google Pay / Carte Bancaire €0,15 + IC++ + 0,60%; Pay by Bank €0,35 depending on region; Bancontact €0,35; PayPal €0,18 + 0,20% + PayPal fee; Open Banking €0,10 + 0,20% + fee; SEPA €0,30; SEPA Direct Debit €0,30; Klarna on request. Onboarding: merchant creation free; business €5 (depending on entity type); consumer €0,60. Custom pricing available on request.
Settlement
Varies
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Simplex logo

Simplex

Crypto Exchange On-Ramp

crypto
Fees
3.5%-5% per transaction
Settlement
1-24 hours
Crypto
High Risk
Sandbox
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TransFi logo

TransFi

Crypto-Powered Cross-Border

crypto +1
Fees
From 0.5% per transaction
Settlement
Same day
Crypto
Low Fees
Sandbox
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Amaiz logo

Amaiz

Businesses that need a UK-regulated digital GBP/EUR e-money account with Mastercard cards and multi-rail payouts, or that want to launch their own white-label or embedded card programme.

baas +1
Fees
Our pricing starts as low as £0 per month, and your fees depend on your customer profile. UK / EEA / Swiss UBOs: Onboarding fee: Free, £0/Month. International UBOs: Onboarding fee: £49.99, £0/Month. Mastercard® virtual card issuing GBP / EUR / USD 2; Mastercard® plastic card issuing GBP / EUR / USD 10. Incoming FPS / SEPA Credit / Instant: Free; CHAPS GBP 39.99; SWIFT GBP / EUR / USD / CHF 39.99. Outgoing SEPA / FPS 0 – 9,999.99: 1 (UK/EEA/Swiss UBOs) / 3 (International UBOs). Standard fees are shown above. Fees may vary depending on your business profile and risk category and will be confirmed during onboarding.
Settlement
Varies
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Chipper Cash logo

Chipper Cash

African P2P Transfers

regional
Fees
Free P2P, merchant fees vary
Settlement
1–5 business days
Crypto
Low Fees
Sandbox
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