Accounts & IBANs
Issue private and business accounts in your brand, in minutes.
- Virtual & physical accounts
- Multi-currency IBANs
- SEPA, SEPA Instant, Target2
- SWIFT, Faster Payments, CHAPS
- ACH, Fedwire, BACS
- Refunds, recalls, CoP/VoP
Our story
We saw an unfilled gap. A new way to move money.
We built our platform from the ground up around one observation: simple payments were getting complicated, onboarding was dragging on for weeks, and good merchants were losing time to systems built for someone else.
The beginning
From the front lines of everyday e-commerce
We met running payments for two different e-commerce companies. Same problem, different cities. Banks would promise fast onboarding, then bury merchants in paperwork, manual reviews, and disconnected tools that slowed every payout.
The real pain wasn't rejection. It was the drag. Every extra day of onboarding meant lost revenue. Every separate dashboard meant another place for a payment to get stuck. The infrastructure was built for enterprises with compliance teams. Everyday merchants were left juggling providers.
We started sharing notes. Then sharing contacts. Then sharing a frustration that became an obsession: the gap between what normal e-commerce and medium-risk businesses needed and what the system would actually give them.
The gap we saw
- Onboarding treated like a checklist, not a flow
- Low- and medium-risk merchants queued behind complex cases
- No bridge between bank compliance and daily operations
- Payment entrepreneurs stuck as resellers, not owners
What we built to close it
- Streamlined onboarding for everyday merchants
- One stack for accounts, cards, APMs and crypto
- Compliance and commercial teams in the same room
- White-label ownership so you own the merchant
The journey
From side-project to shared infrastructure
The first version was just a shared spreadsheet of bank contacts and PSP rate cards. Ugly, but useful. A few friends in e-commerce asked for access. Then their friends asked. Within a year we were managing direct integrations, compliance workflows, and settlement routing for a dozen payment entrepreneurs who didn't want to build it themselves.
We realized the real opportunity wasn't being another gateway. It was becoming the layer underneath, the banking relationships, the compliance automation, and the technical team, so our partners could focus on sales and brand.
Today that spreadsheet is a full-stack payment platform. But the mindset hasn't changed. We still answer the phone when a merchant's payout is stuck. We still streamline onboarding like our partners' revenue depends on it, because it does.
By the numbers
- Integrated providers
- 40+
- Years of bank & PSP relationships
- 12+
- Currencies supported
- 20+
- Engineering coverage
- 24/7
Solutions
One stack. Every payment surface.
Card issuing
Visa and Mastercard programs with full lifecycle control.
- Virtual & physical cards
- Mono and multi-currency
- Apple Pay & Google Pay
- Custom card designs
- Top-up, withdraw, reissue
- PIN, 3DS, limits management
Merchant acquiring & gateway
Your branded checkout, plugged into the world's PSPs.
- White-label gateway
- Global PSP routing
- Local APMs
- Smart cascading
- Tokenization
- Dispute & chargeback flows
KYC / KYB / AML
Onboard merchants and end-users at scale, your way.
- Automated KYC & KYB
- ID document checks
- Sanctions & PEP screening
- Fiat & crypto monitoring
- Risk scoring
- Case management
FX & crypto
One ledger for fiat and digital assets.
- FX rates & orders
- Crypto custody & vaults
- Crypto transfers
- Travel Rule compliance
- Kraken, Fireblocks, BitGo
- ECB, XE, BankingCircle rates
Open Banking / PSD2
Account information & payment initiation across EU and UK.
- PSD2-compliant APIs
- AIS & PIS flows
- Strong Customer Auth
- Direct bank connectivity
- Consent management
- Reconciliation
Ready to grow without limits?
Payments, business and personal accounts, and licensing, all in one place. No upfront cost. No long contracts. Just results.