wamo
Small and mid-sized businesses and self-employed people in the EEA (and companies in the UK) who want a multi-currency business account with Visa cards and an integrated in-person POS terminal.
VS
CentralPay
French and European e-commerce businesses, SaaS/subscription companies, invoice-collecting firms and marketplaces that want cards, instant transfers, Pay by Bank and SEPA Direct Debit from a single ACPR-regulated provider.
Fees from
Freemium €0/month: No setup fee; Business Account with EU IBAN; 1 physical + 1 virtual Visa card included; €0.99 per local transfer; 2.19% per ATM withdrawal. Smart €10/month per user, billed annually: 1 physical + 2 virtual Visa cards included; 20 free transfers/month; ATM withdrawals: 2 free/month, 5 with annual plan; €5,000/month commission-free local POS transactions. Pro €29/month per user, billed annually: 5 physical + 100 virtual Visa cards included; 50 free transfers/month; ATM withdrawals: 4 free/month, 10 with annual plan; €7,000/month commission-free local POS transactions. vs Monthly volume < 100 000 €: Carte bancaire (CB, Visa, Mastercard, American Express, Apple Pay, Google Pay) 0,60 % + 0,25 € /opération (*Hors coût des commissions d’interchange et frais de réseau carte); Virement instantané (IBAN virtuel inclus) 0,30 % + 0,20 € /opération; Payer avec ma banque (Payment Initiation Service) 0,30 % + 0,25 € /opération; Prélèvement (génération de e-mandat incluse) 0,40 % + 0,20 € /opération. 100 000 - 300 000 €: carte 0,50 % + 0,25 €; virement instantané 0,25 % + 0,20 €; PIS 0,25 % + 0,25 €; prélèvement 0,35 % + 0,20 €. 300 000 - 500 000 €: carte 0,40 % + 0,20 €; virement instantané 0,20 % + 0,15 €; PIS 0,20 % + 0,20 €; prélèvement 0,30 % + 0,15 €. > 500 000 €: Sur demande. Moyens de paiement alternatifs et locaux: Sur demande. KYB France 0,80 € /mois /marchand; KYB hors France 1,95 € /mois /marchand; KYC 0,40 € /mois /marchand.
Features
0 shared
Regions
0 shared
Pay methods
2 shared
7 unique to wamo · 7 unique to CentralPay
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 0 features · 16 payment methods · 0 regions. We
don't rank these — they're here for reference.
Show full specs
0 features · 16 payment methods · 0 regions. We
don't rank these — they're here for reference.
wamo CentralPayQuick Facts
Fees
Standard transaction rate
Freemium €0/month: No setup fee; Business Account with EU IBAN; 1 physical + 1 virtual Visa card included; €0.99 per local transfer; 2.19% per ATM withdrawal. Smart €10/month per user, billed annually: 1 physical + 2 virtual Visa cards included; 20 free transfers/month; ATM withdrawals: 2 free/month, 5 with annual plan; €5,000/month commission-free local POS transactions. Pro €29/month per user, billed annually: 5 physical + 100 virtual Visa cards included; 50 free transfers/month; ATM withdrawals: 4 free/month, 10 with annual plan; €7,000/month commission-free local POS transactions.
Monthly volume < 100 000 €: Carte bancaire (CB, Visa, Mastercard, American Express, Apple Pay, Google Pay) 0,60 % + 0,25 € /opération (*Hors coût des commissions d’interchange et frais de réseau carte); Virement instantané (IBAN virtuel inclus) 0,30 % + 0,20 € /opération; Payer avec ma banque (Payment Initiation Service) 0,30 % + 0,25 € /opération; Prélèvement (génération de e-mandat incluse) 0,40 % + 0,20 € /opération. 100 000 - 300 000 €: carte 0,50 % + 0,25 €; virement instantané 0,25 % + 0,20 €; PIS 0,25 % + 0,25 €; prélèvement 0,35 % + 0,20 €. 300 000 - 500 000 €: carte 0,40 % + 0,20 €; virement instantané 0,20 % + 0,15 €; PIS 0,20 % + 0,20 €; prélèvement 0,30 % + 0,15 €. > 500 000 €: Sur demande. Moyens de paiement alternatifs et locaux: Sur demande. KYB France 0,80 € /mois /marchand; KYB hors France 1,95 € /mois /marchand; KYC 0,40 € /mois /marchand.
Settlement
Time to receive funds
Next business day
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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
Amex Unique
—
✓
Apple Pay Unique
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✓
Bank Transfer Unique
✓
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Cartes Bancaires Unique
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✓
Debit Card Unique
✓
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Google Pay Unique
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✓
Invoice Unique
✓
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Mastercard Unique
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✓
Open Banking Unique
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✓
Pos Unique
✓
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Sepa Unique
✓
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Sepa Direct Debit Unique
—
✓
Sepa Instant
✓
✓
Swift Unique
✓
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Virtual Card Unique
✓
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Visa
✓
✓
Regions
wamo is best when you...
Small and mid-sized businesses and self-employed people in the EEA (and companies in the UK) who want a multi-currency business account with Visa cards and an integrated in-person POS terminal.
CentralPay is best when you...
French and European e-commerce businesses, SaaS/subscription companies, invoice-collecting firms and marketplaces that want cards, instant transfers, Pay by Bank and SEPA Direct Debit from a single ACPR-regulated provider.
Frequently Asked Questions
What is the difference between wamo and CentralPay?
They share 2 payment methods and 0 regions. wamo adds Bank Transfer, Debit Card, Invoice and 4 more that CentralPay does not list; CentralPay adds Amex, Apple Pay, Cartes Bancaires and 4 more that wamo does not list.
Which is cheaper, wamo or CentralPay?
wamo has published rates from Freemium €0/month: No setup fee; Business Account with EU IBAN; 1 physical + 1 virtual Visa card included; €0.99 per local transfer; 2.19% per ATM withdrawal. Smart €10/month per user, billed annually: 1 physical + 2 virtual Visa cards included; 20 free transfers/month; ATM withdrawals: 2 free/month, 5 with annual plan; €5,000/month commission-free local POS transactions. Pro €29/month per user, billed annually: 5 physical + 100 virtual Visa cards included; 50 free transfers/month; ATM withdrawals: 4 free/month, 10 with annual plan; €7,000/month commission-free local POS transactions.; CentralPay has published rates from Monthly volume < 100 000 €: Carte bancaire (CB, Visa, Mastercard, American Express, Apple Pay, Google Pay) 0,60 % + 0,25 € /opération (*Hors coût des commissions d’interchange et frais de réseau carte); Virement instantané (IBAN virtuel inclus) 0,30 % + 0,20 € /opération; Payer avec ma banque (Payment Initiation Service) 0,30 % + 0,25 € /opération; Prélèvement (génération de e-mandat incluse) 0,40 % + 0,20 € /opération. 100 000 - 300 000 €: carte 0,50 % + 0,25 €; virement instantané 0,25 % + 0,20 €; PIS 0,25 % + 0,25 €; prélèvement 0,35 % + 0,20 €. 300 000 - 500 000 €: carte 0,40 % + 0,20 €; virement instantané 0,20 % + 0,15 €; PIS 0,20 % + 0,20 €; prélèvement 0,30 % + 0,15 €. > 500 000 €: Sur demande. Moyens de paiement alternatifs et locaux: Sur demande. KYB France 0,80 € /mois /marchand; KYB hors France 1,95 € /mois /marchand; KYC 0,40 € /mois /marchand.. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use wamo and CentralPay?
wamo lists 0 regions and 9 payment methods; CentralPay lists 0 and 9. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do wamo and CentralPay compare on integration and settlement?
wamo publishes a settlement time of Next business day.
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