High-volume international businesses that need multi-currency IBAN accounts, SEPA/SWIFT payments and FX, and platforms wanting to embed regulated payment accounts for their clients.

baas +1

Fees

Custom

Settlement

Varies

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Spendesk

European Business Spend

Kartiera

E-merchants and payment service providers that want Visa/Mastercard card acquiring along with EUR business accounts, SEPA/SWIFT transfers and virtual card issuing from a Malta-licensed EMI.

PayNovus

European merchants, payment facilitators and fintechs needing acquiring, card issuing or BIN sponsorship from an EU-licensed EMI

Kareo

Independent Medical Practice Billing

Orenda Finance

Platforms such as payroll/HR providers, public-sector disbursers, EV, health and insurance platforms, and banking builders that want to launch regulated accounts, IBANs and Visa card programmes on one integration.

Moss

European businesses that want to manage employee corporate cards, supplier invoices, reimbursements and procurement in one platform synced to their accounting or ERP system; it is not a tool for taking payments from customers.

Privacy.com

Consumer Virtual Cards

traditional

Fees

Free personal plan, $10/month premium

Calida Financial

PSPs, fintechs, platforms, merchants and marketplaces in the EU/EEA that want to embed licensed e-money, wallet, prepaid, voucher, gift card or payout functionality.

Speedy

Small businesses, freelancers, creators and online merchants that want a multi-currency business account together with card acceptance through a checkout API or shareable payment links.

Nebeus Solutions

Fintech startups, retail and chain-network loyalty programs, quick-lending companies and global payout platforms that want to issue their own branded payment cards.

Flowe

Banks, e-money and payment institutions seeking affiliate-mode branded card issuing, and retail or welfare businesses wanting a branded digital wallet.

Intersolve

Brands, retailers, governments/NGOs and platforms or marketplaces that want to run their own gift card, loyalty, social card or regulated wallet programmes without holding an EMI licence themselves.

BinX

Hungarian small businesses, sole traders and online sellers that want a low-cost online business payment account tied to invoicing

regional

Fees

Binx Member package: 0 Ft account fee, 0.1% transfer fee (max 10,000 Ft), promotional pricing

Settlement

Varies

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Navan

Corporate Travel & Expense

Twisto

Central European BNPL

Pecunpay

Physical and online merchants seeking payment gateway acquiring, as well as fintechs and businesses wanting card-issuing programmes, virtual promotional cards or escrow accounts.

SAP Concur

Corporate Expense Management

Blackcatcard

Small businesses and fintechs that want EUR IBAN accounts, cards and SEPA access from a Maltese EMI

Novatum

Online businesses, freelancers, importers/exporters and IT companies that want card acceptance for online payments, or a branded Mastercard card programme, from a UK FCA-authorised provider.