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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

Narvi

Fintechs, marketplaces, PSPs, SaaS platforms and licensed crypto/VASP businesses that need EUR IBAN accounts and SEPA/SWIFT payments, either for their own use or built into their product through an API, without getting their own EMI licence.

Narvi
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 Account Opening: One-time onboarding fee plus three months of monthly deposits. Monthly Fee: Dependent on your classification and any added compliance requirements. Minimum Balance Requirement: Equal to three months of monthly fees, ensuring your account stays positive. Internal Transfers between Narvi accounts: €1 per transfer. SWIFT transactions: Additional fees may apply based on the corresponding banking network.
Features

0 shared

Regions

0 shared

Pay methods

1 shared

7 unique to Payman · 3 unique to Narvi
On settlement

Payman settles in InstaPay settles every deposit from bank to balance in real time - no batches, no delays, no manual work.; Narvi settles in Instant to 24 business days. Verify directly with each provider before signing.

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0 features · 11 payment methods · 0 regions. We don't rank these — they're here for reference.
Payman Payman
Narvi Narvi
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.
Account Opening: One-time onboarding fee plus three months of monthly deposits. Monthly Fee: Dependent on your classification and any added compliance requirements. Minimum Balance Requirement: Equal to three months of monthly fees, ensuring your account stays positive. Internal Transfers between Narvi accounts: €1 per transfer. SWIFT transactions: Additional fees may apply based on the corresponding banking network.
Settlement
Time to receive funds
InstaPay settles every deposit from bank to balance in real time - no batches, no delays, no manual work.
Instant to 24 business days
Founded
—
—
Headquarters
—
—
Sandbox / Test Mode
—
—
Webhook Support
—
—
Features
Payment Methods
Payman leads (8 vs 4)
Bank Transfer Unique
✓
—
Bitcoin Unique
—
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Mastercard Unique
✓
—
Sepa
✓
✓
Swift Unique
—
✓
Usdc Unique
—
✓
Virtual Account Unique
✓
—
Virtual Card Unique
✓
—
Visa Unique
✓
—
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

Narvi is best when you...

Fintechs, marketplaces, PSPs, SaaS platforms and licensed crypto/VASP businesses that need EUR IBAN accounts and SEPA/SWIFT payments, either for their own use or built into their product through an API, without getting their own EMI licence.
View Narvi

Frequently Asked Questions

What is the difference between Payman and Narvi?
They share 1 payment method and 0 regions. Payman adds Bank Transfer, Credit Card, Debit Card and 4 more that Narvi does not list; Narvi adds Bitcoin, SWIFT, USDC that Payman does not list.
Which is cheaper, Payman or Narvi?
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.; Narvi has published rates from Account Opening: One-time onboarding fee plus three months of monthly deposits. Monthly Fee: Dependent on your classification and any added compliance requirements. Minimum Balance Requirement: Equal to three months of monthly fees, ensuring your account stays positive. Internal Transfers between Narvi accounts: €1 per transfer. SWIFT transactions: Additional fees may apply based on the corresponding banking network.. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Payman and Narvi?
Payman lists 0 regions and 8 payment methods; Narvi 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 Narvi compare on integration and settlement?
Payman settles in InstaPay settles every deposit from bank to balance in real time - no batches, no delays, no manual work., Narvi in Instant to 24 business days.

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