SMEs, ecommerce stores, hotels, restaurants, marketplaces, debt collection agencies and mobility businesses, mainly in Spain and Europe, that want online and in-person payments on one platform.

traditional

Fees

Custom

Settlement

Varies

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Noah

Platforms that need API-driven fiat-to-stablecoin pay-ins and automated payouts in local currencies, for example for remittances, payroll, e-commerce marketplaces, crypto wallets and exchanges, or treasury.

TantumPay

Businesses in the EEA, including platforms and marketplaces, crypto/Web3 firms, holding/foundation/trust structures and SaaS companies, that need dedicated multi-currency IBAN e-money accounts alongside online payment acceptance.

Ecospend

UK Open Banking Payments

SaltPay

European SMB Payments

Buy Me a Coffee

Creator Monetization

PassTo (Swift Payment Technologies)

Unifiedpost

Bankoro

Fintechs that want to build account-based products, and businesses with international activity or foreign owners and directors that need a UK multi-currency account and meet the £2 million turnover or balance minimum.

baas

Fees

Account opening fee: individual, typically from £300 for CAT 1 jurisdictions; Monthly fees: individual, typically from £100/month for CAT 1 jurisdictions; Foreign exchange (FX) charges: individual, typically from 0.18%; Outgoing payment charges: individual, typically from £2 and 0.2%; Incoming payment charges: individual, typically from £1 and 0.1%; Account closure fee: 3x monthly fee; Non-compliance with customer profile: individual, typically up to 12x monthly fee; Special requests: individual, typically from £100

Settlement

Varies

View provider

Brite Payments

European Instant Payments

DirectPayEU

European e-commerce merchants accepting IBAN bank payments as a card alternative

traditional

Fees

0.8-1.5% for bank transfers

Settlement

1–3 business days

View provider

Stable Mint

Businesses in the EU/EEA and supported third countries that want to collect, hold, convert and pay out EUR/USD via regulated stablecoins alongside SEPA/SWIFT rails, especially for cross-border trade, platforms and marketplace/payroll payouts.

Monerium

Billhop

Januar

EEA-based crypto companies and platforms that need crypto-friendly business IBAN accounts, embedded accounts for their own customers, or integrated crypto trading and custody.

ChargePoint

EV Charging Payments

Yaspa

Intraclear

Businesses incorporated in the EEA, from small firms to large international enterprises, that want card acquiring, a payment gateway and business accounts with SEPA/SWIFT from one provider.

ArmadilloPay

Program managers, travel-disruption compensation platforms and gig-economy aggregators that want white-labelled cards, IBANs, wallets and payouts in Ireland and the EEA under a regulated e-money licence.

STOKR

Asset managers, fund issuers and financial institutions in the EU that want to issue tokenized securities and handle the crypto/stablecoin payment leg for subscriptions, redemptions and distributions.