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Solaris

Solaris

European BaaS

VS

Guru Pay

Businesses, including those in higher-risk sectors such as gambling, forex or crypto, that need dedicated IBAN accounts with SEPA, SEPA Instant and SWIFT payments from a Lithuanian EMI.

Guru Pay
Fees from
Custom vs Pricing varies by client category. Business Category 1: document review fee €250; account maintenance €25/month; incoming SEPA €0; SEPA transfer up to €5,000 €1, up to €50,000 €5, over €50,000 €10; Non-SEPA (SWIFT) transfer (SHA) 0.2% (Min €25); incoming Non-SEPA (SWIFT) 0.1% (Min €10); multicurrency transfer 2% from transfer amount + 0.2% (Min €25); closing a current account €150. Categories 2–5 cost more (e.g. account maintenance €200–€300/month; Non-SEPA (SWIFT) transfer 0.4%–0.75% (Min €25)). Yearly fee for holding funds (if the account balance is equivalent or higher than €30,000) charged monthly: 0.7%. Prices exclude VAT.
Features

0 shared

2 unique to Solaris
Regions

0 shared

1 unique to Solaris
Pay methods

1 shared

4 unique to Solaris · 4 unique to Guru Pay
On region

Solaris covers 1 regions; Guru Pay covers 0. Verify directly with each provider before signing.

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2 features · 9 payment methods · 1 regions. We don't rank these — they're here for reference.
Solaris Solaris
Guru Pay Guru Pay
Quick Facts
Fees
Standard transaction rate
Custom
Pricing varies by client category. Business Category 1: document review fee €250; account maintenance €25/month; incoming SEPA €0; SEPA transfer up to €5,000 €1, up to €50,000 €5, over €50,000 €10; Non-SEPA (SWIFT) transfer (SHA) 0.2% (Min €25); incoming Non-SEPA (SWIFT) 0.1% (Min €10); multicurrency transfer 2% from transfer amount + 0.2% (Min €25); closing a current account €150. Categories 2–5 cost more (e.g. account maintenance €200–€300/month; Non-SEPA (SWIFT) transfer 0.4%–0.75% (Min €25)). Yearly fee for holding funds (if the account balance is equivalent or higher than €30,000) charged monthly: 0.7%. Prices exclude VAT.
Settlement
Time to receive funds
Next business day
—
Founded
2016
—
Headquarters
Berlin, Germany
—
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Solaris leads (2 vs 0)
Enterprise Unique
✓
—
Recurring Payments Unique
✓
—
Payment Methods
Bank Transfer Unique
—
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Prepaid Card Unique
✓
—
Sepa
✓
✓
Sepa Direct Debit Unique
✓
—
Sepa Instant Unique
—
✓
Swift Unique
—
✓
Virtual Account Unique
—
✓
Regions
Solaris leads (1 vs 0)
Europe Unique
✓
—

Solaris is best when you...

European BaaS
Need Enterprise
Not available with Guru Pay
Need Recurring Payments
Not available with Guru Pay
Want coverage in Europe
Guru Pay doesn't cover this region
View Solaris

Guru Pay is best when you...

Businesses, including those in higher-risk sectors such as gambling, forex or crypto, that need dedicated IBAN accounts with SEPA, SEPA Instant and SWIFT payments from a Lithuanian EMI.
View Guru Pay

Frequently Asked Questions

What is the difference between Solaris and Guru Pay?
They share 1 payment method and 0 regions. Solaris adds Credit Card, Debit Card, Prepaid Card and 1 more that Guru Pay does not list; Guru Pay adds Bank Transfer, SEPA Instant, SWIFT and 1 more that Solaris does not list; Solaris also covers Europe; only Solaris offers Enterprise, Recurring Payments.
Which is cheaper, Solaris or Guru Pay?
Solaris has custom pricing quoted on engagement; Guru Pay has published rates from Pricing varies by client category. Business Category 1: document review fee €250; account maintenance €25/month; incoming SEPA €0; SEPA transfer up to €5,000 €1, up to €50,000 €5, over €50,000 €10; Non-SEPA (SWIFT) transfer (SHA) 0.2% (Min €25); incoming Non-SEPA (SWIFT) 0.1% (Min €10); multicurrency transfer 2% from transfer amount + 0.2% (Min €25); closing a current account €150. Categories 2–5 cost more (e.g. account maintenance €200–€300/month; Non-SEPA (SWIFT) transfer 0.4%–0.75% (Min €25)). Yearly fee for holding funds (if the account balance is equivalent or higher than €30,000) charged monthly: 0.7%. Prices exclude VAT.. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Solaris and Guru Pay?
Solaris lists 1 region and 5 payment methods; Guru Pay lists 0 and 5. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Solaris and Guru Pay compare on integration and settlement?
Solaris offers a sandbox, Guru Pay does not list one; Solaris supports webhooks; Solaris publishes a settlement time of Next business day.

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