BaaS

218 payment providers in this category.

Most of the first 24 concentrate in Europe, North America, Africa.

218 providers

ConnectPay

Marketplaces, platforms, fintechs and online businesses that want to embed IBAN accounts, cards and payment acceptance under an EU EMI licence.

baas +1

Fees

Merchant Services: Accept bank payments – from LT banks 0.07 €, from the rest of the EEA 0.27 €; Accept card payments – Domestic + Intra MasterCard / Visa 1% + 0.10 €, International MasterCard / Visa 2.5% + 0.10 €; Euro-zone pay-in Free, Euro-zone pay-out 0.25€, Cross-border payments 25€, Currency exchange 0.75%. Embedded Finance: custom offer.

Settlement

Varies

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Solaris

European BaaS

ENTER

SMEs, enterprises, startups, holding companies and family offices that need a multi-currency business payment account with an IBAN for international bank transfers.

baas

Fees

Incoming bank transfers (SEPA, Faster payment, CHAPS, International £/€/$): Free. Fiat in from crypto exchange platform: 0,5%. Outgoing within Enter: Free. SEPA / Faster payment: Green €5, Amber €10, Red 0,1% min €20. International £/€/$: Green €50, Amber €75, Red €100. Fiat out to crypto exchange platform: 0,5%. Currency exchange: 1% (0,7% if monthly FX volume exceeds €250,000). Onboarding fee: Green €200, Amber €500, Red €1000. Monthly maintenance fee: Green €50, Amber €100, Red €300.

Settlement

Varies

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Guru Pay

Businesses, including those in higher-risk sectors such as gambling, forex or crypto, that need dedicated IBAN accounts with SEPA, SEPA Instant and SWIFT payments from a Lithuanian EMI.

baas +1

Fees

Pricing varies by client category. Business Category 1: document review fee €250; account maintenance €25/month; incoming SEPA €0; SEPA transfer up to €5,000 €1, up to €50,000 €5, over €50,000 €10; Non-SEPA (SWIFT) transfer (SHA) 0.2% (Min €25); incoming Non-SEPA (SWIFT) 0.1% (Min €10); multicurrency transfer 2% from transfer amount + 0.2% (Min €25); closing a current account €150. Categories 2–5 cost more (e.g. account maintenance €200–€300/month; Non-SEPA (SWIFT) transfer 0.4%–0.75% (Min €25)). Yearly fee for holding funds (if the account balance is equivalent or higher than €30,000) charged monthly: 0.7%. Prices exclude VAT.

Settlement

Varies

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Januar

EEA-based crypto companies and platforms that need crypto-friendly business IBAN accounts, embedded accounts for their own customers, or integrated crypto trading and custody.

Lightspark Payments Europe

Fintechs, neobanks, wallets, exchanges and card programs that want to embed crypto and fiat accounts, cards and transfers through an API without holding their own licences.

Bond

Embedded Finance Platform

Paymont

Businesses (including non-EEA companies) and trust funds, especially ones with Czech ties, that need a multi-currency EUR/CZK/GBP account with an IBAN, SEPA, SWIFT and CZK payments, and foreign exchange.

baas +1

Fees

EEA Business: Application processing fee €100; Account opening Free; Monthly maintenance €20; Transfers within Paymont Free; Incoming SEPA (EUR) Free; Outgoing SEPA (EUR) €2; Incoming CZK Free; Outgoing CZK 50 CZK; Incoming SWIFT 0.1% (min €20); Outgoing SWIFT 0.1% (min €20); FX (currency exchange) Real interbank rate at time of execution. The final tier and pricing are determined after compliance review.

Settlement

Varies

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Weavr

SaaS Embedded Finance

Andaria

Platforms, fintechs and other businesses that want to embed accounts or launch branded debit/prepaid card programmes under a licensed EMI in the UK and EU, or that need a multi-currency business account with crypto access.

ZEN.COM

E-commerce merchants selling cross-border who want a payment gateway combined with a multi-currency business account.

traditional +1

Fees

Payment Gateway plan: 25.00 EUR / mo. or 100 EUR / mo.; ZEN Pay 0.35% + 0.10 EUR; Credit cards IF++ 0.89% + 0.30 EUR

Settlement

Varies

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Bebawa

European businesses and marketplaces that need multi-currency IBAN accounts, SEPA/SWIFT transfers, FX and SEPA Direct Debit collections from a Lithuanian-licensed EMI.

baas

Fees

Default: €25 per IBAN, per month (excl. VAT); SEPA Credit Transfers (incoming & outgoing): €0.35 each; Incoming SWIFT payments: €20 each; FX conversion: 0.8%, all currencies. Pro: €50 per IBAN, per month (excl. VAT); SEPA Direct Debit collection: €0.45 per transaction; SEPA Credit Transfers (incoming & outgoing): €0.50 each; Incoming SWIFT payments: 0.2% (min €25); FX conversion: 1.5%, all currencies. Custom: all fees individually agreed. No account opening fee; internal transfers between Bebawa accounts: €0.

Settlement

Varies

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Enfuce

Nordic Card-as-a-Service

Tranzzo

Fintech startups and payment resellers

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.

BCB Group

Crypto and digital-asset businesses, such as exchanges, liquidity providers, market makers, funds and payment processors, that need regulated fiat payment accounts and instant settlement.

Xoala

Cross-border businesses, including those in higher-risk sectors such as iGaming, prop trading and brokerages, that need multi-currency business accounts, cards and payment acceptance from one provider.

Alunafi

Businesses that need a multi-currency account with IBAN, SEPA/SWIFT transfers and corporate cards, managed through an app.

Column

Developer Banking Infrastructure

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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Kuda Bank

Nigerian Digital Banking

Regent FE

International businesses, groups of companies, e-commerce sellers and multi-company service providers (corporate service providers, fund administrators, family offices) that need named multi-currency accounts to collect funds, make payments and manage FX.

baas

Fees

Monthly maintenance: Currency management 0; Starter accounts from £100.00; Custom accounts – custom pricing based on the company type, jurisdictions and volumes involved. Onboarding fees from £500.00 may apply. Currency conversion: from 0.2% (Currency management) / from 0.3% (Starter, Custom), subject to volumes. Local payments: GBP and EUR £0.50; USD £1.00; CHF £5.60; NOK, DKK, SEK, PLN, AUD £1.50; SGD, MXN, HUF, CZK, CAD, INR, IDR, MYR £2.00; PHP, HKD £3.00. SWIFT Payments – Shared charges £10.00; All Charges Ours £30.00.

Settlement

Varies

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IPU (Interpaylink)

Importers/exporters, e-commerce businesses, SMEs and international companies that need a European IBAN business account with SEPA/SWIFT payments and multi-currency FX.

baas +1

Fees

Corporate (LT / EEA + UK / International / Compliance-intensive industries): Account Activation Fee €50 / €100 / €199 / application fee required; Monthly Maintenance – Main Account €5 / €10 / €10 / €50; Monthly Maintenance – MultiCurrency+ €10 / €10 / €30 / €50; Internal Transfer FREE; Incoming SEPA FREE / 0.2%, Min €10 / 0.3%, Min €20 / 0.3%, Min €50; Outgoing SEPA 0.05%, Min €2 / 0.1%, Min €5 / 0.1%, Min €10 / 0.15%, Min €30; SEPA Instant Free upgrade; Incoming International Payment 0.15%, Min €30 / 0.2%, Min €30 / 0.3%, Min €30 / 0.3%, Min €70; Outgoing International Payment 0.1%, Min €30 (0.25%, Min €50 compliance-intensive); CNY Fastpay 0.1%, Min €30; Currency Exchange System rate; Application Fee FREE (€1,099 compliance-intensive).

Settlement

Varies

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Transwap

Regulated businesses, marketplaces, platforms and corporate treasury teams that need multi-currency accounts, cross-border payouts and local collections across several jurisdictions.