Virtual Card

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

Incard

UK and EU ecommerce businesses, agencies, AI startups and creators that want multi-currency business accounts and cashback Visa cards for spending such as online advertising.

baas

Free: £0/month (3 users, 1% cashback on debit cards, 3 multi-currency IBANs, 15 cards, £5,000 FX at interbank rate). Grow: £49/month (5 users, 1.25% cashback on debit cards, 5 multi-currency IBANs, 30 cards, £15,000 FX at interbank rate, API & automation access). Incard Plus: from £199/month (from 10 users, from 1.5% cashback on debit cards, from 20 multi-currency IBANs, from 50 cards, from £25,000 FX at interbank rate). Billed once yearly; yearly billing saves 15%.

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Heropay

Small French businesses that want a free or low-cost online business account with short-term supplier-invoice financing and faster marketplace payouts.

Soldo

Incorporated businesses in the UK and EU/EEA that want prepaid company cards, budget wallets and expense management for employee spending.

baas

Standard: £27 per month +VAT* (1 wallet, 3 users, 3 physical or virtual Soldo cards, up to 20 outbound bank transfers per month). Plus: £39 per month +VAT* (3 company wallets, 3 users, 3 physical or virtual Soldo cards, up to 30 outbound bank transfers per month). Unlimited: Price on request. The e-money business account and payment services are provided by Soldo Financial Services Ltd and are subject to additional fees such as, card issuance, cash withdrawals and others.

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.

Highnote

Unified Card Issuing

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.

Perk

Medium and large companies, especially multi-entity global businesses, that want corporate cards, expense management and business travel in one place. It is not a tool for accepting customer payments.

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Spend only: Premium from $9/user/month, Pro from $11/user/month; Travel+Spend: from $6-8 (Premium/Pro) per active user/month plus 3% per booking; Travel only: Starter $0 + 5% per booking, Premium $99/month + 3%, Pro $299/month + 3% (USD, per perk.com/pricing)

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.

WEX

Fleet & Fuel Card Payments

Divvy

Corporate card + expense management for US SMBs

traditional

Free software; card revenue via interchange

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.

Conferma Pay

Travel Virtual Cards

Alunafi

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

Outpayce

Airlines, hotels and travel agencies — especially those already using Amadeus systems — that want to orchestrate payment acceptance and supplier payouts through one platform.

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.

Transact Pro

European online merchants and payment businesses that need card acquiring, a white-label gateway or card issuing from a Latvian EMI

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Card acquiring: individual rates starting from 0.5% per transaction