SH Financial
Fintechs, platforms and businesses (including licensed crypto exchanges/VASPs and high-risk industries) that need multi-currency IBAN business accounts or want to launch their own Visa card programs.
VS
Clio Payments
Law firm billing with IOLTA trust-accounting compliance
Fees from
Accumulative: Account Opening Fee € 100.00; Account Monthly Fee FREE; SEPA (IN) FREE; SEPA (OUT) Unavailable; SWIFT (IN) FREE; SWIFT (OUT) Unavailable; FX (G10) 1%. NB-8 Business: Opening € 100.00; Monthly € 5.00; SEPA (IN) FREE; SEPA (OUT) € 0.50; SWIFT (IN/OUT) 0.25% Min € 25.00; FX (G10) 1%. EEA+ Business: Opening € 100.00; Monthly € 50.00; SEPA (IN/OUT) 0.10% Min € 2.00; SWIFT (IN/OUT) 0.30% Min € 25.00; FX (G10) 1%. MAX Business (High risk Industries): Opening €500.00; Monthly €200.00; SEPA (IN/OUT) 0.25% Min € 2.00; SWIFT (IN/OUT) 0.50% Min €50.00; FX (G10) 1%. CRYPTO Business: Opening €1000.00; Monthly €500.00; SEPA (IN/OUT) 0.25% Min € 2.00; SWIFT (IN/OUT) 0.50% Min €50.00; FX (G10) 1%. Enterprise: tailored pricing. vs 2.95% for standard cards, 3.75% Amex; 1% eCheck/ACH
Features
0 shared
1 unique to Clio Payments
Regions
0 shared
3 unique to Clio Payments
Pay methods
2 shared
7 unique to SH Financial · 7 unique to Clio Payments
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 1 features · 16 payment methods · 3 regions. We
don't rank these — they're here for reference.
Show full specs
1 features · 16 payment methods · 3 regions. We
don't rank these — they're here for reference.
SH Financial Clio PaymentsQuick Facts
Fees
Standard transaction rate
Accumulative: Account Opening Fee € 100.00; Account Monthly Fee FREE; SEPA (IN) FREE; SEPA (OUT) Unavailable; SWIFT (IN) FREE; SWIFT (OUT) Unavailable; FX (G10) 1%. NB-8 Business: Opening € 100.00; Monthly € 5.00; SEPA (IN) FREE; SEPA (OUT) € 0.50; SWIFT (IN/OUT) 0.25% Min € 25.00; FX (G10) 1%. EEA+ Business: Opening € 100.00; Monthly € 50.00; SEPA (IN/OUT) 0.10% Min € 2.00; SWIFT (IN/OUT) 0.30% Min € 25.00; FX (G10) 1%. MAX Business (High risk Industries): Opening €500.00; Monthly €200.00; SEPA (IN/OUT) 0.25% Min € 2.00; SWIFT (IN/OUT) 0.50% Min €50.00; FX (G10) 1%. CRYPTO Business: Opening €1000.00; Monthly €500.00; SEPA (IN/OUT) 0.25% Min € 2.00; SWIFT (IN/OUT) 0.50% Min €50.00; FX (G10) 1%. Enterprise: tailored pricing.
2.95% for standard cards, 3.75% Amex; 1% eCheck/ACH
Settlement
Time to receive funds
—
Next business day
Founded
—
2008
Headquarters
—
Vancouver, Canada
Sandbox / Test Mode
—
—
Webhook Support
—
✓
Features Clio Payments leads (1 vs 0)
Clio Payments leads (1 vs 0)Recurring Payments Unique
—
✓
Payment Methods
Ach
✓
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
✓
—
Corporate Card Unique
✓
—
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Echeck Unique
—
✓
Faster Payments Unique
✓
—
Google Pay Unique
—
✓
Mastercard Unique
—
✓
Sepa Unique
✓
—
Swift Unique
✓
—
Virtual Account Unique
✓
—
Virtual Card Unique
✓
—
Visa
✓
✓
Regions Clio Payments leads (3 vs 0)
Clio Payments leads (3 vs 0)Europe Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
SH Financial is best when you...
Fintechs, platforms and businesses (including licensed crypto exchanges/VASPs and high-risk industries) that need multi-currency IBAN business accounts or want to launch their own Visa card programs.
Clio Payments is best when you...
Law firm billing with IOLTA trust-accounting compliance
Need Recurring Payments
Not available with SH Financial
Want coverage in Europe, North America, Oceania
SH Financial doesn't cover these regions
Frequently Asked Questions
What is the difference between SH Financial and Clio Payments?
They share 2 payment methods and 0 regions. SH Financial adds Bank Transfer, Corporate Card, Faster Payments and 4 more that Clio Payments does not list; Clio Payments adds Amex, Apple Pay, Credit Card and 4 more that SH Financial does not list; Clio Payments also covers Europe, North America and 1 more; only Clio Payments offers Recurring Payments.
Which is cheaper, SH Financial or Clio Payments?
SH Financial has published rates from Accumulative: Account Opening Fee € 100.00; Account Monthly Fee FREE; SEPA (IN) FREE; SEPA (OUT) Unavailable; SWIFT (IN) FREE; SWIFT (OUT) Unavailable; FX (G10) 1%. NB-8 Business: Opening € 100.00; Monthly € 5.00; SEPA (IN) FREE; SEPA (OUT) € 0.50; SWIFT (IN/OUT) 0.25% Min € 25.00; FX (G10) 1%. EEA+ Business: Opening € 100.00; Monthly € 50.00; SEPA (IN/OUT) 0.10% Min € 2.00; SWIFT (IN/OUT) 0.30% Min € 25.00; FX (G10) 1%. MAX Business (High risk Industries): Opening €500.00; Monthly €200.00; SEPA (IN/OUT) 0.25% Min € 2.00; SWIFT (IN/OUT) 0.50% Min €50.00; FX (G10) 1%. CRYPTO Business: Opening €1000.00; Monthly €500.00; SEPA (IN/OUT) 0.25% Min € 2.00; SWIFT (IN/OUT) 0.50% Min €50.00; FX (G10) 1%. Enterprise: tailored pricing.; Clio Payments has published rates from 2.95% for standard cards, 3.75% Amex; 1% eCheck/ACH. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use SH Financial and Clio Payments?
SH Financial lists 0 regions and 9 payment methods; Clio Payments lists 3 and 9. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do SH Financial and Clio Payments compare on integration and settlement?
Clio Payments supports webhooks; Clio Payments publishes a settlement time of Next business day.
Are you SH Financial or Clio Payments?
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