Virtual Account

95 payment providers accepting Virtual Account.

Most of the first 24 concentrate in Asia, Africa, Southeast Asia.

95 providers

KG Inicis logo

KG Inicis

Korean e-commerce

regional
Fees
2.2-2.8%
Settlement
2–3 business days
Enterprise
Sandbox
View provider
Carbon logo

Carbon

Nigerian Fintech Payments

regional
Fees
₦100,000 one-time fee; ₦100/month per active account + 7.5% VAT; free deposits; variable transfer fees
Settlement
Near-instant
Instant
Sandbox
View provider
Demivolt logo

Demivolt

Businesses, fintechs, platforms and card programme managers that need EU-regulated euro accounts, IBANs, SEPA/SWIFT payments, card issuing/BIN sponsorship or white-label BaaS.

baas +1
Fees
Custom
Settlement
Varies
View provider
NHN KCP logo

NHN KCP

Korean payments

regional +1
Fees
2.5-3%
Settlement
2–3 business days
Enterprise
Sandbox
View provider
ENTER logo

ENTER

SMEs, enterprises, startups, holding companies and family offices that need a multi-currency business payment account with an IBAN for international bank transfers.

baas
Fees
Incoming bank transfers (SEPA, Faster payment, CHAPS, International £/€/$): Free. Fiat in from crypto exchange platform: 0,5%. Outgoing within Enter: Free. SEPA / Faster payment: Green €5, Amber €10, Red 0,1% min €20. International £/€/$: Green €50, Amber €75, Red €100. Fiat out to crypto exchange platform: 0,5%. Currency exchange: 1% (0,7% if monthly FX volume exceeds €250,000). Onboarding fee: Green €200, Amber €500, Red €1000. Monthly maintenance fee: Green €50, Amber €100, Red €300.
Settlement
Varies
View provider
Guru Pay logo

Guru Pay

Businesses, including those in higher-risk sectors such as gambling, forex or crypto, that need dedicated IBAN accounts with SEPA, SEPA Instant and SWIFT payments from a Lithuanian EMI.

baas +1
Fees
Pricing varies by client category. Business Category 1: document review fee €250; account maintenance €25/month; incoming SEPA €0; SEPA transfer up to €5,000 €1, up to €50,000 €5, over €50,000 €10; Non-SEPA (SWIFT) transfer (SHA) 0.2% (Min €25); incoming Non-SEPA (SWIFT) 0.1% (Min €10); multicurrency transfer 2% from transfer amount + 0.2% (Min €25); closing a current account €150. Categories 2–5 cost more (e.g. account maintenance €200–€300/month; Non-SEPA (SWIFT) transfer 0.4%–0.75% (Min €25)). Yearly fee for holding funds (if the account balance is equivalent or higher than €30,000) charged monthly: 0.7%. Prices exclude VAT.
Settlement
Varies
View provider
Lightspark Payments Europe logo

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.

baas +3
Fees
Custom
Settlement
Varies
View provider
Orbital logo

Orbital

Businesses that need to accept stablecoin or exotic-currency pay-ins and send cross-border payouts, especially those moving money to and from emerging markets.

crypto +1
Fees
Custom
Settlement
Near-instant
View provider
iPaymu logo

iPaymu

Indonesian SME Payments

regional
Fees
From 2% per transaction
Settlement
Same day
Recurring
Startup
Sandbox
View provider
Paymont logo

Paymont

Businesses (including non-EEA companies) and trust funds, especially ones with Czech ties, that need a multi-currency EUR/CZK/GBP account with an IBAN, SEPA, SWIFT and CZK payments, and foreign exchange.

baas +1
Fees
EEA Business: Application processing fee €100; Account opening Free; Monthly maintenance €20; Transfers within Paymont Free; Incoming SEPA (EUR) Free; Outgoing SEPA (EUR) €2; Incoming CZK Free; Outgoing CZK 50 CZK; Incoming SWIFT 0.1% (min €20); Outgoing SWIFT 0.1% (min €20); FX (currency exchange) Real interbank rate at time of execution. The final tier and pricing are determined after compliance review.
Settlement
Varies
View provider
Andaria logo

Andaria

Platforms, fintechs and other businesses that want to embed accounts or launch branded debit/prepaid card programmes under a licensed EMI in the UK and EU, or that need a multi-currency business account with crypto access.

baas +2
Fees
Custom
Settlement
Varies
View provider
Bebawa logo

Bebawa

European businesses and marketplaces that need multi-currency IBAN accounts, SEPA/SWIFT transfers, FX and SEPA Direct Debit collections from a Lithuanian-licensed EMI.

baas
Fees
Default: €25 per IBAN, per month (excl. VAT); SEPA Credit Transfers (incoming & outgoing): €0.35 each; Incoming SWIFT payments: €20 each; FX conversion: 0.8%, all currencies. Pro: €50 per IBAN, per month (excl. VAT); SEPA Direct Debit collection: €0.45 per transaction; SEPA Credit Transfers (incoming & outgoing): €0.50 each; Incoming SWIFT payments: 0.2% (min €25); FX conversion: 1.5%, all currencies. Custom: all fees individually agreed. No account opening fee; internal transfers between Bebawa accounts: €0.
Settlement
Varies
View provider
Toss Payments logo

Toss Payments

Korean Payment Gateway

regional
Fees
From 2.5% per transaction
Settlement
Next business day
Startup
Sandbox
View provider
Bridge logo

Bridge

Fintechs, crypto platforms and other businesses that want an API to move, accept, hold, issue or spend stablecoins and convert between fiat and stablecoins for cross-border payments and payouts.

crypto +2
Fees
Custom
Settlement
Varies
View provider
BCB Group logo

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.

crypto +1
Fees
Custom
Settlement
Next business day
View provider
Alunafi logo

Alunafi

Businesses that need a multi-currency account with IBAN, SEPA/SWIFT transfers and corporate cards, managed through an app.

baas
Fees
Custom
Settlement
Varies
View provider
Powens logo

Powens

Businesses and fintech platforms in Europe, such as lenders, accounting software and property managers, that want API-based pay-by-bank, SEPA direct debit and instant transfers along with bank data aggregation.

infrastructure +2
Fees
Custom
Settlement
Funds are instantly received on your account and no-one pays interchange fees.
View provider
Kuda Bank logo

Kuda Bank

Nigerian Digital Banking

baas +1
Fees
Custom
Settlement
Instant
Low Fees
Startup
Sandbox
View provider
Transwap logo

Transwap

Regulated businesses, marketplaces, platforms and corporate treasury teams that need multi-currency accounts, cross-border payouts and local collections across several jurisdictions.

baas +2
Fees
Custom
Settlement
Same day
View provider
Easy Payment Services logo

Easy Payment Services

Financial and non-financial companies (e.g. lenders, telecoms, insurers, retail chains, e-wallet builders) that want to embed EU IBAN accounts, Mastercard card issuing and payments into their own products via API.

baas +1
Fees
Custom
Settlement
Varies
View provider
Korapay logo

Korapay

African Payment Infrastructure

regional
Fees
1.5% capped
Settlement
Next business day
Instant
Startup
Sandbox
View provider
CBI Money logo

CBI Money

Small and medium-sized businesses and e-commerce merchants, especially in Sino-European trade, that need EU multi-currency IBAN accounts and cross-border collections.

traditional
Fees
Custom
Settlement
Varies
View provider
PaySaxas logo

PaySaxas

Businesses, including newly registered companies, sole proprietors, and cross-border traders, that need a dedicated EUR IBAN account for SEPA and SEPA Instant payments.

baas
Fees
Business account: Onboarding fee €500.00; Monthly maintenance from €50.00; Additional dedicated IBAN opening €10.00, monthly servicing €10.00; Account closure €50.00; SEPA incoming (Instant / Regular) from €2.00; SEPA outgoing (Instant / Regular) from 0.1% + €5.00; Internal transfers within PaySaxas Oy 0.05% + €2.00; Team members (per member, per month) €10.00. Sole proprietor: Onboarding fee €50.00; Monthly maintenance €10.00; Additional dedicated IBAN opening €5.00, monthly servicing €5.00; Account closure €10.00; SEPA incoming €2.00; SEPA outgoing 0.2% + €5.00; Internal transfers 0.05% + €2.00; Team members €5.00. Individual: Onboarding fee Free; Monthly maintenance €10.00. Prices marked "from" are starting prices. Final fees are confirmed during onboarding.
Settlement
Eligible SEPA Instant payments usually arrive in seconds. Regular SEPA payments are normally completed the same business day.
View provider
Keel logo

Keel

Fintech companies such as digital payments platforms, trading platforms, money remitters and wallet providers that want to build on API-driven, FCA-authorised infrastructure.

baas +1
Fees
Custom
Settlement
Varies
View provider

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