Payment Providers that Accept SEPA

Real-time payments

A payment systems software company powering infrastructure for banks and payment processors globally. ACI Worldwide enables real-time payment networks including FedNow, Zelle, and UK Faster Payments, processing over 671 billion transactions annually. Built for financial institutions requiring enterprise-grade payment switching and fraud management.

Financial Institution Infrastructure

A fully licensed Luxembourg bank providing infrastructure for other financial institutions, processing over €1 trillion in payment volumes annually. Banking Circle serves payment companies, banks, and fintechs with virtual accounts, cross-border payments, and correspondent banking services. The behind-the-scenes banking partner for many major payment providers.

B2B Payments

A payment orchestration platform now part of Payroc, specializing in B2B payments and subscription billing. BlueSnap offers local acquiring in 50 countries with native integrations for popular ERP and e-commerce platforms like NetSuite, BigCommerce, and Zuora. A strong fit for SaaS and B2B companies with global invoicing and subscription needs.

Benelux SMEs

A Dutch payment service provider offering over 40 payment methods with a focus on the Benelux region. Buckaroo provides payment terminals, subscription management, and credit services, serving SMEs and enterprises with straightforward e-commerce integrations.

Stablecoin Infrastructure

An enterprise-grade stablecoin payments infrastructure provider that bridges traditional finance with digital assets. BVNK enables businesses to send, receive, and hold stablecoin payments across 130+ countries with regulatory licenses in key markets. Built for payment companies, fintechs, and enterprises that need compliant crypto payment rails.

UK Banking Infrastructure

The first new UK clearing bank in over 250 years, providing regulated banking infrastructure through APIs. ClearBank offers direct access to UK and European payment schemes, FSCS-protected accounts, and real-time payments without competing with its customers. Built for fintechs and financial institutions that need licensed banking rails in the UK and Europe.

German enterprise

A German enterprise payment service provider offering true omnichannel solutions across POS, e-commerce, mobile, and phone channels. Computop's Paygate platform supports over 350 payment methods through 50+ acquirers, serving large retailers and enterprises across Europe.

Banking-as-a-Service API

A UK-licensed API-first bank offering Banking as a Service (BaaS) for fintechs and platforms. Griffin provides safeguarding accounts, client money management, and embedded banking products through modern APIs. Built for fintechs, neobanks, and platforms that want to embed compliant banking infrastructure without building it themselves.

Cloud Banking Platform

A cloud-native core banking platform that enables banks, fintechs, and brands to build and launch financial products quickly. Mambu offers composable lending, deposit, and payment engines through modern APIs, reducing time-to-market from years to weeks. Used by both traditional banks modernizing their infrastructure and new digital challengers.

UK Payment Automation

A UK and EU payments-as-a-service platform enabling businesses to automate payments and embed banking features. Modulr provides access to Faster Payments, SEPA, BACS, and card issuing through APIs, serving platforms that need to move money programmatically. Particularly strong for payroll, lending, and marketplace use cases.

Crypto on-ramp

A leading cryptocurrency on-ramp and off-ramp service enabling users to buy and sell crypto with cards, Apple Pay, Google Pay, and bank transfers. MoonPay supports over 170 crypto assets across 180 countries, widely integrated into popular wallets and exchanges.

European e-commerce

A European payment platform for SMBs offering over 40 payment methods through a single integration and contract. MultiSafepay provides omnichannel solutions with ready-made plugins for popular e-commerce platforms like Shopify, Magento, and WooCommerce.

Mexican e-commerce

A Mexican e-commerce payment gateway offering card processing and local payment methods for online businesses. Openpay provides simple integration with REST API support, catering to merchants across Mexico with competitive pricing and developer-friendly tools.

Global BaaS Platform

A global embedded finance platform (now Railsr) offering Banking-as-a-Service and Cards-as-a-Service. Railsbank enables fintechs and brands to launch financial products including accounts, payments, and cards without obtaining their own banking licenses. A white-label infrastructure provider for companies wanting to embed financial services.

SaaS & Developers

A developer-first payment platform known for its exceptional API design and comprehensive documentation. Stripe offers a full suite of payment infrastructure tools supporting over 100 payment methods across 135+ currencies. Ideal for SaaS companies, startups, and any business that values a modern developer experience.

Web3 integration

A Web3 fiat-to-crypto on-ramp and off-ramp supporting over 136 cryptocurrencies in 64 countries. Transak is integrated into popular wallets like MetaMask and Ledger, providing a developer toolkit for crypto applications.

International Transfers

A transparent international money transfer service known for offering the real mid-market exchange rate with low, upfront fees. Wise provides multi-currency accounts with local bank details in 50+ currencies, making it ideal for freelancers, remote workers, and businesses that need to send or receive payments across borders frequently.

Business International Transfers

The business version of Wise (formerly TransferWise), offering multi-currency accounts and international transfers at the real mid-market exchange rate. Wise Business provides local account details in major currencies, batch payments, and integrations with accounting software. Ideal for businesses that frequently send or receive international payments and want transparent, low-cost FX.