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Paynetics

Paynetics

European Payment 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
Custom 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

1 unique to Paynetics
Regions

0 shared

1 unique to Paynetics
Pay methods

1 shared

5 unique to Paynetics · 3 unique to Narvi
On fees

Paynetics uses custom pricing, quoted on engagement. Narvi publishes 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. from. Verify directly with each provider before signing.

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1 features · 9 payment methods · 1 regions. We don't rank these — they're here for reference.
Paynetics Paynetics
Narvi Narvi
Quick Facts
Fees
Standard transaction rate
Custom
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
1–2 business days
Instant to 24 business days
Founded
2015
—
Headquarters
Sofia, Bulgaria
—
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Paynetics leads (1 vs 0)
Enterprise Unique
✓
—
Payment Methods
Paynetics leads (6 vs 4)
Apple Pay Unique
✓
—
Bank Transfer Unique
✓
—
Bitcoin Unique
—
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Google Pay Unique
✓
—
Sepa
✓
✓
Swift Unique
—
✓
Usdc Unique
—
✓
Regions
Paynetics leads (1 vs 0)
Europe Unique
✓
—

Paynetics is best when you...

European Payment Institution
Need Enterprise
Not available with Narvi
Want coverage in Europe
Narvi doesn't cover this region
View Paynetics

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 Paynetics and Narvi?
They share 1 payment method and 0 regions. Paynetics adds Apple Pay, Bank Transfer, Credit Card and 2 more that Narvi does not list; Narvi adds Bitcoin, SWIFT, USDC that Paynetics does not list; Paynetics also covers Europe; only Paynetics offers Enterprise.
Which is cheaper, Paynetics or Narvi?
Paynetics has custom pricing quoted on engagement; 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 Paynetics and Narvi?
Paynetics lists 1 region and 6 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 Paynetics and Narvi compare on integration and settlement?
Paynetics offers a sandbox, Narvi does not list one; Paynetics supports webhooks; Paynetics settles in 1–2 business days, Narvi in Instant to 24 business days.

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