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

Fees

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.

Settlement

Varies

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Request Finance

Crypto invoicing

Zuora

Enterprise Subscription Billing

Carat (Fiserv)

Enterprise Commerce Platform

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

Maybank

Buy Me a Coffee

Creator Monetization

FreshBooks Payments

Freelancer Invoice Payments

traditional

Fees

2.9% + $0.30 card; 3.5% + $0.30 Amex; 1% ACH; 6% + $0.30 BNPL

Givebutter

Free Nonprofit Fundraising

traditional

Fees

Free platform and processing fees when optional donor tips are enabled; traditional payment processing fees apply otherwise

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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