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.

crypto +2

Fees

Custom

Settlement

~10 seconds

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Monerium

Shine

Freelancers, very small businesses and SMEs in France that want an online business account with a French IBAN, Mastercard cards, invoicing and bookkeeping tools.

N26

European Mobile Banking

regional

Fees

Free basic account, premium from €4.90/month

BDO Remit

Noda

European Open Banking

traditional

Fees

From 0.3% per transaction

1POINT6

Marketplaces, franchises and other platforms that have to handle payment flows involving many parties across several countries, plus seller KYC/KYB, in Europe.

infrastructure +1

Fees

Standard: Pay-in 1.0% + €0.25 for personal bank cards in the eurozone; identity verification from €0.80 per month per active legal entity; payout €0.15 per SEPA credit transfer (SCT). Incoming SEPA transfers €0.25; outside the SEPA zone (SWIFT) €8; SEPA direct debits for individuals €0.45; SEPA direct debits for businesses €0.45 + €15/order. Non-EU personal bank cards and business cards: on request. Custom offering available.

Settlement

Varies

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Lightspeed Commerce

Retail & Hospitality POS

Wero

Pan-European Instant Payments

Satispay

Italian Mobile Payments

regional

Fees

€0.20 flat fee per transaction (over €10)

Billhop

Riva

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.

Token.io

Open Banking A2A Payments

Duck Creek Payments

Insurance Premium Payments

ChargePoint

EV Charging Payments

Yaspa

Billit

Freelancers, small businesses and SMEs in Belgium and neighbouring markets that want e-invoicing (Peppol) software that also handles collecting invoice payments.

embedded +1

Fees

Subscription based on documents per month (prices per company registration number or separate file): up to 25 documents/month €7,50 per month (€6,90 per month paid annually); up to 500 documents/month €25,00 per month (€22,92 paid annually); up to 1000 documents/month €250,00 per month (€229,20 paid annually); more than 1000 documents/month on request. 15-day free trial.

Settlement

Varies

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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.

BCB Group

Crypto and digital-asset businesses, such as exchanges, liquidity providers, market makers, funds and payment processors, that need regulated fiat payment accounts and instant settlement.