Open Banking

Card Acquiring & Merchant Services: EU Issued Cards 4% + €0.30; Non-EU Issued Cards 5% + €0.30; (Original Credit Transfer) OCT 2% + €0.80; Refund Fee €1; Retrieval Request €5; Chargeback Fee €25 + scheme fees; Currency Exchange Rate XE.com + 1%; Rolling Reserve 10% for 180 days (Capped at €150,000). Business accounts (Standard Business, Low-Risk): Account Opening Fee Free; Application Review Fee €500 one-time; Monthly Maintenance €100 / month; SEPA C2B (IN) 0.5% (Min. €0.60); SEPA B2C (OUT) 0.5% (Min. €2.00); SEPA B2B (IN and OUT) 0.25% (Min. €2.00); SWIFT Transfers 0.5% (Min. €25); Currency Exchange Rate ECB + 2%. Digital Enterprises (Medium-Risk): Application Review Fee €750 one-time; Monthly Maintenance €150 / month. Regulated Enterprises (High-Risk): Application Review Fee €1,500 one-time; Monthly Maintenance €200 / month; SEPA C2B (IN) 1.5% (Min. €1.00).

7 business days

Yapily

European Open Banking API

Ozow

South African EFT

PayHQ

Businesses that use several payment gateways and want a single integration to route between them, add bank payments (BankPay), and reconcile payments against invoices.

infrastructure +1

Standard plan from free to 0.5% (first £1,000 free; final price by integration and volume); BankPay open banking marketed as no transaction fees; SMS 5p each; Sage integration +0.1% of turnover; Enterprise by quote

Receive funds in seconds, not days.

Con il bonifico istantaneo SEPA il denaro arriva sul conto dell'azienda in pochi secondi, ventiquattr'ore su ventiquattro. Se la banca del cliente non aderisce al bonifico istantaneo si usa quello ordinario, con accredito entro due giorni lavorativi.

IBANWAY

Italian retailers, large-scale distribution (GDO) chains, merchant networks and e-commerce sites that want account-to-account payments, plus mobile professionals who want to accept contactless cards on a smartphone.

Dinape Solutions GmbH

Payment Orchestration and Enterprise payment processing

Claimed View provider

Apron

UK-registered small and medium businesses, finance teams and accounting firms that want bill pay, payroll payments, expense cards and payment-link collections reconciled with Xero or QuickBooks.

Get paid links: 0% on pay by bank. 0% on business cards. 1% fee on personal cards. (If the customer covers card fees, business cards are 2.9% to the customer.) Plans (from 1 December 2026, per company, billed monthly): Payments lite Free; Payments core £29/month; Payments plus £49/month; Payments max £99/month. Pay anyone using a credit card: 2.5% fee. FX conversion fee 0.5%; £3 per payment outside EEA.

Same day

Brite Payments

European Instant Payments

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.

exactly

Online businesses that want card and alternative-method acceptance, recurring billing and bulk payouts through one platform, priced individually.

Noda

European Open Banking

From 0.3% per transaction

TWPayz

Merchants that take card payments in store and online and want card terminals, e-commerce checkout, Pay by Bank and a multi-currency business account from a single provider.

Card-type pricing (card present / card not present): Personal Debit 0.30% / 0.30%; Personal Credit 0.49% / 0.49%; Business Credit / Debit 1.79% / 1.79%; International / Non-EEA 1.99% / 1.99%; AMEX (own MID) 1.99% / 1.99%; Authorisation fee £0.04 + VAT / £0.12 + VAT. Or One Flat Rate 0.64% all card types, in-store & online, authorisation fees included (available where business and international cards are under 20% of your volume). Terminal rental £12 + VAT / month; SIM card £2 / month. Pay by Bank: up to £9,999 0.10% + £1; £10,000 and above 0.05% + £1. Business accounts: Starter Free (Faster Payments £0.40, CHAPS £20, BACS £1, IBAN £1 / mo); Growth £19.99 / month; Scale £41.66 / month; Enterprise £100+ / month. Prices exclude VAT.

Card, online and link payments settle next working day. Pay by Bank confirms instantly.

ConnectPay

Marketplaces, platforms, fintechs and online businesses that want to embed IBAN accounts, cards and payment acceptance under an EU EMI licence.

baas +1

Merchant Services: Accept bank payments – from LT banks 0.07 €, from the rest of the EEA 0.27 €; Accept card payments – Domestic + Intra MasterCard / Visa 1% + 0.10 €, International MasterCard / Visa 2.5% + 0.10 €; Euro-zone pay-in Free, Euro-zone pay-out 0.25€, Cross-border payments 25€, Currency exchange 0.75%. Embedded Finance: custom offer.

Varies

Inpay

Cross-Border Bank Payments

Token.io

Open Banking A2A Payments

Lightspark Payments Europe

Fintechs, neobanks, wallets, exchanges and card programs that want to embed crypto and fiat accounts, cards and transfers through an API without holding their own licences.

Trilo

Independent high-street businesses such as cafes, shops and hospitality venues, as well as sports clubs, that want subscription-priced payments built into a CRM and loyalty tool.

embedded

Payments – Core: £25/mo, "Unlimited immediate payments straight to your bank, up to £5k monthly."; Pro: £50/mo, "Process up to £25k per month with no fees."; Unlimited: Custom. CRM & Notebook – Starter £25/mo, Core £50/mo. Invoices – Starter £5/mo, Core £25/mo.

you'll receive your money directly to your bank in seconds

Payabl

European Merchant Services & Card Issuing

Nuapay

European Open Banking Payments

Access PaySuite

UK businesses and public-sector organisations that collect recurring payments by Direct Debit and also want to take card and Pay by Bank payments on one platform.

Direct Debit (Small and Medium businesses): From 8p per transaction; Enterprise: Custom; No setup fees. Online payments: From £25 per month (350 Transactions Included); From £50 per month (850 Transactions Included); Custom for high-volume.

Pay by Bank: The payment settles in real time

Gastelum Payments

Businesses that accept cards and send payouts across North America, Latin America and Europe and want acquiring, multi-PSP routing and FX payouts through one integration.

traditional +1

Standard: 2.4% + $0.25 / txn; Scale: 1.9% + $0.20 / txn; Enterprise: Custom. Transparent interchange-plus rates with no setup fees.

Standard settlement is next business day. Scale and Enterprise customers can access same-day and real-time settlement in supported corridors.

Settlement frequency is flexible – daily, weekly, or customised to suit your business needs.

Latpay

Businesses in Australia, the UK and Europe that need online, in-person and unattended card acceptance, such as vending, parking, EV charging, gaming and software/hardware partners.