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wamo

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

SterlingPay

Online businesses that need cards, wallets and bank transfers in 150+ currencies, with settlement in EUR, GBP or USD.

SterlingPay
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 Custom
Features

0 shared

3 unique to SterlingPay
Regions

0 shared

1 unique to SterlingPay
Pay methods

4 shared

5 unique to wamo · 8 unique to SterlingPay

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3 features · 17 payment methods · 1 regions. We don't rank these — they're here for reference.
wamo wamo
SterlingPay SterlingPay
Quick 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.
Custom
Settlement
Time to receive funds
Next business day
—
Founded
—
2026
Headquarters
—
Vancouver, Canada
Sandbox / Test Mode
—
—
Webhook Support
—
—
Features
SterlingPay leads (3 vs 0)
Multi Currency Unique
—
✓
Recurring Billing Unique
—
✓
Recurring Payments Unique
—
✓
Payment Methods
SterlingPay leads (12 vs 9)
Ach Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Debit Card
✓
✓
Faster Payments Unique
—
✓
Google Pay Unique
—
✓
Interac Unique
—
✓
Invoice Unique
✓
—
Open Banking Unique
—
✓
Pos Unique
✓
—
Sepa
✓
✓
Sepa Instant
✓
✓
Swift Unique
✓
—
Virtual Card Unique
✓
—
Visa Unique
✓
—
Wire Transfer Unique
—
✓
Regions
SterlingPay leads (1 vs 0)
Global Unique
—
✓

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.
View wamo

SterlingPay is best when you...

Online businesses that need cards, wallets and bank transfers in 150+ currencies, with settlement in EUR, GBP or USD.
Need Multi Currency
Not available with wamo
Need Recurring Billing
Not available with wamo
Want coverage in Global
wamo doesn't cover this region
View SterlingPay

Frequently Asked Questions

What is the difference between wamo and SterlingPay?
They share 4 payment methods and 0 regions. wamo adds Invoice, POS, SWIFT and 2 more that SterlingPay does not list; SterlingPay adds ACH, Apple Pay, Credit Card and 5 more that wamo does not list; SterlingPay also covers Global; only SterlingPay offers Multi Currency, Recurring Billing and 1 more.
Which is cheaper, wamo or SterlingPay?
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.; SterlingPay has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use wamo and SterlingPay?
wamo lists 0 regions and 9 payment methods; SterlingPay lists 1 and 12. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do wamo and SterlingPay compare on integration and settlement?
wamo publishes a settlement time of Next business day.

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