# wamo — Payment Provider

wamo, run by Wamo Solutions Oy, is an e-money institution authorised by the Finnish FIN-FSA. It offers a digital business account with an EU IBAN that handles 22 currencies, with SEPA and SWIFT transfers and physical and virtual Visa debit cards. Account holders can order a POS terminal to take in-person card payments, and those sales are settled into the wamo account. The account also includes invoicing, bulk payments and expense management for teams.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** Small and mid-sized businesses and self-employed people in the EEA (and companies in the UK) who want a multi-currency business account with Visa cards and an integrated in-person POS terminal.
- **Fees:** Freemium €0/month: No setup fee; Business Account with EU IBAN; 1 physical + 1 virtual Visa card included; €0.99 per local transfer; 2.19% per ATM withdrawal. Smart €10/month per user, billed annually: 1 physical + 2 virtual Visa cards included; 20 free transfers/month; ATM withdrawals: 2 free/month, 5 with annual plan; €5,000/month commission-free local POS transactions. Pro €29/month per user, billed annually: 5 physical + 100 virtual Visa cards included; 50 free transfers/month; ATM withdrawals: 4 free/month, 10 with annual plan; €7,000/month commission-free local POS transactions.
- **Fee model:** subscription
- **Settlement time:** Next business day
- **Categories:** baas, traditional
- **Countries served:** 2 (EEA, GB)
- **Payment methods:** bank_transfer, debit_card, invoice, pos, sepa, sepa_instant, swift, virtual_card, visa

## Legal & compliance

Legal entities:
- Wamo Solutions Oy — Finland — licenses: E-Money Institution, FI, FIVA

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/wamo#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=wamo&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/wamo

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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)