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Payman

Payman

Platforms and businesses in sectors such as iGaming, crypto, lending, marketplaces and payroll that need EUR business accounts, virtual IBANs, mass payouts or embedded wallets from a Bulgarian-licensed e-money institution.

VS

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.

3S Money
Fees from
Entry €4.90/month; Standard €14.90/month; Advanced €29.90/month. Transfers to IBANs EEA: €0.80 (Entry), first 20 free then €0.70 (Standard), first 40 free then €0.60 (Advanced). Mass payments (per line/recipient - SEPA Bulk): €0.70 / €0.60 / €0.50. Additional account (IBAN): €4.90 / €4.90 / €2.90. Virtual Card Issuance €0.00. Funding via card MasterCard/VISA 0.6% + €0.10; funding via bank transfer €0.00. vs 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
Features

0 shared

Regions

0 shared

Pay methods

2 shared

6 unique to Payman · 2 unique to 3S Money
On settlement

Not enough published data on settlement speed for a fair verdict — open the full specs below for reference.

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Show full specs
0 features · 10 payment methods · 0 regions. We don't rank these — they're here for reference.
Payman Payman
3S Money 3S Money
Quick Facts
Fees
Standard transaction rate
Entry €4.90/month; Standard €14.90/month; Advanced €29.90/month. Transfers to IBANs EEA: €0.80 (Entry), first 20 free then €0.70 (Standard), first 40 free then €0.60 (Advanced). Mass payments (per line/recipient - SEPA Bulk): €0.70 / €0.60 / €0.50. Additional account (IBAN): €4.90 / €4.90 / €2.90. Virtual Card Issuance €0.00. Funding via card MasterCard/VISA 0.6% + €0.10; funding via bank transfer €0.00.
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
Time to receive funds
InstaPay settles every deposit from bank to balance in real time - no batches, no delays, no manual work.
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Founded
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Headquarters
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Sandbox / Test Mode
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Webhook Support
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Features
Payment Methods
Payman leads (8 vs 4)
Bank Transfer Unique
✓
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Credit Card Unique
✓
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Debit Card Unique
✓
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Faster Payments Unique
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✓
Mastercard Unique
✓
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Sepa
✓
✓
Swift Unique
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✓
Virtual Account
✓
✓
Virtual Card Unique
✓
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Visa Unique
✓
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Regions

Payman is best when you...

Platforms and businesses in sectors such as iGaming, crypto, lending, marketplaces and payroll that need EUR business accounts, virtual IBANs, mass payouts or embedded wallets from a Bulgarian-licensed e-money institution.
View Payman

3S Money is best when you...

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.
View 3S Money

Frequently Asked Questions

What is the difference between Payman and 3S Money?
They share 2 payment methods and 0 regions. Payman adds Bank Transfer, Credit Card, Debit Card and 3 more that 3S Money does not list; 3S Money adds Faster Payments, SWIFT that Payman does not list.
Which is cheaper, Payman or 3S Money?
Payman has published rates from Entry €4.90/month; Standard €14.90/month; Advanced €29.90/month. Transfers to IBANs EEA: €0.80 (Entry), first 20 free then €0.70 (Standard), first 40 free then €0.60 (Advanced). Mass payments (per line/recipient - SEPA Bulk): €0.70 / €0.60 / €0.50. Additional account (IBAN): €4.90 / €4.90 / €2.90. Virtual Card Issuance €0.00. Funding via card MasterCard/VISA 0.6% + €0.10; funding via bank transfer €0.00.; 3S Money has published rates from 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. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Payman and 3S Money?
Payman lists 0 regions and 8 payment methods; 3S Money lists 0 and 4. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Payman and 3S Money compare on integration and settlement?
Payman publishes a settlement time of InstaPay settles every deposit from bank to balance in real time - no batches, no delays, no manual work..

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