# Incard — Payment Provider

Incard is a UK electronic money institution (FCA FRN 1027309) that provides business accounts and Visa corporate cards. It offers multi-currency accounts in GBP, EUR and USD, money transfers in 28+ currencies, cashback on card spend, and Flex Cards that let businesses pay later. It also offers connected banking, accounting automation and analytics tools.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** 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.
- **Fees:** 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%.
- **Fee model:** subscription
- **Categories:** baas
- **Countries served:** 2 (EEA, GB)
- **Payment methods:** apple_pay, bank_transfer, corporate_card, debit_card, swift, virtual_account, virtual_card, visa

## Legal & compliance

Legal entities:
- INCARD LTD — United Kingdom — licenses: E-Money Institution, GB, FCA

1 license number and 1 register record (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/incard#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=incard&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/incard

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)