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Inpay

Inpay

Cross-Border Bank Payments

VS

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.

Guru Pay
Fees from
Custom vs 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.
Features

0 shared

1 unique to Inpay
Regions

0 shared

3 unique to Inpay
Pay methods

3 shared

1 unique to Inpay · 2 unique to Guru Pay
On region

Inpay covers 3 regions; Guru Pay covers 0. Verify directly with each provider before signing.

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1 features · 6 payment methods · 3 regions. We don't rank these — they're here for reference.
Inpay Inpay
Guru Pay Guru Pay
Quick Facts
Fees
Standard transaction rate
Custom
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
Time to receive funds
Same day
—
Founded
2008
—
Headquarters
Copenhagen, Denmark
—
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Inpay leads (1 vs 0)
Instant Payout Unique
✓
—
Payment Methods
Guru Pay leads (5 vs 4)
Bank Transfer
✓
✓
Open Banking Unique
✓
—
Sepa
✓
✓
Sepa Instant Unique
—
✓
Swift
✓
✓
Virtual Account Unique
—
✓
Regions
Inpay leads (3 vs 0)
Asia Unique
✓
—
Europe Unique
✓
—
Latin America Unique
✓
—

Inpay is best when you...

Cross-Border Bank Payments
Need Instant Payout
Not available with Guru Pay
Want coverage in Asia, Europe, Latin America
Guru Pay doesn't cover these regions
View Inpay

Guru Pay is best when you...

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.
View Guru Pay

Frequently Asked Questions

What is the difference between Inpay and Guru Pay?
They share 3 payment methods and 0 regions. Inpay adds Open Banking that Guru Pay does not list; Guru Pay adds SEPA Instant, Virtual Account that Inpay does not list; Inpay also covers Asia, Europe and 1 more; only Inpay offers Instant Payout.
Which is cheaper, Inpay or Guru Pay?
Inpay has custom pricing quoted on engagement; Guru Pay has published rates from 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.. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Inpay and Guru Pay?
Inpay lists 3 regions and 4 payment methods; Guru Pay lists 0 and 5. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Inpay and Guru Pay compare on integration and settlement?
Inpay offers a sandbox, Guru Pay does not list one; Inpay supports webhooks; Inpay publishes a settlement time of Same day.

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