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
Payswix
Businesses, including higher-risk sectors such as forex, gambling and crypto (on the Business Exclusive plan), that need EUR IBAN accounts, SEPA/SWIFT payments and basic card acquiring from an EU-licensed provider.
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 E-commerce: 1.5% + €0.15 per transaction (final pricing may vary based on business type and transaction volume). Business account: €0 opening, monthly fee 9 €, SEPA payments from 1 €, SWIFT payments 25 €. Business Plus: €399 opening, monthly fee 59 €, SEPA from 3 € + 0.1%, SWIFT 25 € + 0.7%. Business Exclusive: €599 opening, monthly fee 99 €, SEPA from 3 € + 0.2%, SWIFT 30 € + 1%.
Features
0 shared
Regions
0 shared
Pay methods
3 shared
6 unique to SH Financial · 4 unique to Payswix
On payment methods
SH Financial supports 9 payment methods, 2 more than Payswix. Verify directly with each provider before signing.
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Show full specs 0 features · 13 payment methods · 0 regions. We
don't rank these — they're here for reference.
Show full specs
0 features · 13 payment methods · 0 regions. We
don't rank these — they're here for reference.
SH Financial PayswixQuick 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.
E-commerce: 1.5% + €0.15 per transaction (final pricing may vary based on business type and transaction volume). Business account: €0 opening, monthly fee 9 €, SEPA payments from 1 €, SWIFT payments 25 €. Business Plus: €399 opening, monthly fee 59 €, SEPA from 3 € + 0.1%, SWIFT 25 € + 0.7%. Business Exclusive: €599 opening, monthly fee 99 €, SEPA from 3 € + 0.2%, SWIFT 30 € + 1%.
Settlement
Time to receive funds
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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 SH Financial leads (9 vs 7)
SH Financial leads (9 vs 7)Ach Unique
✓
—
Apple Pay Unique
—
✓
Bank Transfer Unique
✓
—
Corporate Card Unique
✓
—
Faster Payments Unique
✓
—
Google Pay Unique
—
✓
Mastercard Unique
—
✓
Open Banking Unique
—
✓
Sepa
✓
✓
Swift
✓
✓
Virtual Account Unique
✓
—
Virtual Card Unique
✓
—
Visa
✓
✓
Regions
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.
Payswix is best when you...
Businesses, including higher-risk sectors such as forex, gambling and crypto (on the Business Exclusive plan), that need EUR IBAN accounts, SEPA/SWIFT payments and basic card acquiring from an EU-licensed provider.
Frequently Asked Questions
What is the difference between SH Financial and Payswix?
They share 3 payment methods and 0 regions. SH Financial adds ACH, Bank Transfer, Corporate Card and 3 more that Payswix does not list; Payswix adds Apple Pay, Google Pay, Mastercard and 1 more that SH Financial does not list.
Which is cheaper, SH Financial or Payswix?
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.; Payswix has published rates from E-commerce: 1.5% + €0.15 per transaction (final pricing may vary based on business type and transaction volume). Business account: €0 opening, monthly fee 9 €, SEPA payments from 1 €, SWIFT payments 25 €. Business Plus: €399 opening, monthly fee 59 €, SEPA from 3 € + 0.1%, SWIFT 25 € + 0.7%. Business Exclusive: €599 opening, monthly fee 99 €, SEPA from 3 € + 0.2%, SWIFT 30 € + 1%.. 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 Payswix?
SH Financial lists 0 regions and 9 payment methods; Payswix lists 0 and 7. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
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