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
Confirmo
MiCA-licensed stablecoin payments
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 Invoicing 0.8%; Payouts 0.5% + network fee
Features
0 shared
4 unique to Confirmo
Regions
0 shared
7 unique to Confirmo
Pay methods
0 shared
9 unique to SH Financial · 3 unique to Confirmo
On licensing
Not enough published data on licensing for a fair verdict — open the full specs below for reference.
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Show full specs 4 features · 12 payment methods · 7 regions. We
don't rank these — they're here for reference.
Show full specs
4 features · 12 payment methods · 7 regions. We
don't rank these — they're here for reference.
SH Financial ConfirmoQuick 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.
Invoicing 0.8%; Payouts 0.5% + network fee
Settlement
Time to receive funds
—
Near-instant
Founded
—
2014
Headquarters
—
Dublin, Ireland
Sandbox / Test Mode
—
—
Webhook Support
—
✓
Features Confirmo leads (4 vs 0)
Confirmo leads (4 vs 0)Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Payout Unique
—
✓
Low Fees Unique
—
✓
Payment Methods SH Financial leads (9 vs 3)
SH Financial leads (9 vs 3)Ach Unique
✓
—
Bank Transfer Unique
✓
—
Corporate Card Unique
✓
—
Crypto Unique
—
✓
Faster Payments Unique
✓
—
Sepa Unique
✓
—
Swift Unique
✓
—
Usdc Unique
—
✓
Usdt Unique
—
✓
Virtual Account Unique
✓
—
Virtual Card Unique
✓
—
Visa Unique
✓
—
Regions Confirmo leads (7 vs 0)
Confirmo leads (7 vs 0)Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East 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.
Confirmo is best when you...
MiCA-licensed stablecoin payments
Need Crypto Support
Not available with SH Financial
Need High Risk Accepted
Not available with SH Financial
Want coverage in Africa, Asia, Europe, Latin America, Middle East, North America, Oceania
SH Financial doesn't cover these regions
Frequently Asked Questions
What is the difference between SH Financial and Confirmo?
They share 0 payment methods and 0 regions. SH Financial adds ACH, Bank Transfer, Corporate Card and 6 more that Confirmo does not list; Confirmo adds Crypto, USDC, USDT that SH Financial does not list; Confirmo also covers Africa, Asia and 5 more; only Confirmo offers Crypto Support, High Risk Accepted and 2 more.
Which is cheaper, SH Financial or Confirmo?
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.; Confirmo has published rates from Invoicing 0.8%; Payouts 0.5% + network fee. 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 Confirmo?
SH Financial lists 0 regions and 9 payment methods; Confirmo lists 7 and 3. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do SH Financial and Confirmo compare on integration and settlement?
Confirmo supports webhooks; Confirmo publishes a settlement time of Near-instant.
Are you SH Financial or Confirmo?
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