Banks & EMIs
Acquiring banks, business accounts, EMIs, crypto-friendly banks and BaaS.
Maerki Baumann / ARCHIP
Maerki Baumann / ARCHIP is a Swiss private bank, legally Maerki Baumann & Co. AG and founded in 1932, which groups its blockchain and crypto services under the…
M&T Bank
M&T Bank is a US bank, operating as Manufacturers and Traders Trust Company under M&T Bank Corporation, and offers business checking with different levels of…
Lumon
Lumon provides foreign-exchange transfers and international payment support for private and corporate clients. Its services are split across several regulated…
Lloyds Bank Cardnet
Lloyds Bank Cardnet is the merchant-acquiring offering of Lloyds Bank plc in the United Kingdom, listed alongside the bank's business account. The legal entity…
Live Oak Bank
Live Oak Bank, which operates as Live Oak Banking Company, is a US bank offering checking accounts for small businesses. The range has three tiers, each aimed…
Lithic
Lithic is a US financial infrastructure provider, operating as Lithic, Inc., that supplies issuer processing and card management tools. It is a technology and…
LHV Pank
LHV Pank is an Estonian bank, operating as AS LHV Pank from Tallinn, that offers business accounts and card acquiring for merchants. Its acquiring service…
LHV Bank
LHV Bank is a UK bank that provides payment infrastructure to financial intermediaries, fintechs and crypto platforms. The wider LHV group operates between…
Lead Bank
Lead Bank is a US bank that offers banking-as-a-service infrastructure, with a published proposition for crypto on-ramps and off-ramps. It positions itself…
La Banque Postale
La Banque Postale is a French bank, registered in Paris (RCS 421100645, VAT FR40421100645), that offers professional current accounts. It is supervised by the…
Kuwait International Bank
Kuwait International Bank (KIB) is a Kuwaiti bank that offers merchant acquiring through bank-provided point-of-sale terminals. It publishes a merchant…
Kreissparkasse Köln
Kreissparkasse Köln is a public-law savings bank in Cologne, Germany, serving businesses within the Sparkassen network. It is entered in the commercial…
Kraken
Kraken is a crypto platform group whose services span a spot exchange, an OTC desk and a Wyoming-chartered bank. It combines retail and institutional access in…
Kiwibank
Kiwibank is a New Zealand bank that offers a business account aimed at day-to-day trading. Its everyday business account is priced in New Zealand dollars and…
KeyBank
KeyBank is a US bank, operating as KeyBank National Association, that serves businesses with checking and cash management products. The offer covers everyday…
Key Currency
Key Currency is a UK payment institution that handles international transfers and currency exchange for companies and private clients. The UK entity, Key…
KCB Bank Uganda
KCB Bank Uganda is the Ugandan subsidiary of KCB Group, offering merchant acquiring for businesses that accept card payments in store. The bank's acquiring…
CTBC Bank Taiwan
CTBC Bank Taiwan provides card acquiring to merchants in Taiwan and accepts applications through its own merchant service. Its office is at No. 168 Jingmao 2nd…
Banks & EMIs by country
Subsections
Banking for the payments industry
Payment companies need banks in two roles: as partners that sponsor card programmes or provide acquiring, and as account providers that hold client funds and operating money. Neither is easy to get for PSPs, exchangers or high-risk merchants. This section lists {count} banks, electronic money institutions and BaaS platforms that state they work with such businesses.
Subsections
- Acquiring banks — card acquiring for PSPs and merchants, including high-risk.
- Business accounts — operating and settlement accounts with SEPA and SWIFT.
- EMI & payment institutions — IBAN accounts, multi-currency wallets, safeguarding accounts.
- Crypto-friendly banks — banks that onboard exchangers, OTC desks and crypto companies.
- BIN sponsors & BaaS — card issuing sponsorship and banking-as-a-service infrastructure.
Bank or EMI?
A bank can lend and usually offers deposit protection; an EMI cannot lend, keeps client money in safeguarding accounts and is typically faster to onboard with digital-first processes. Many payment businesses run both: an EMI for daily payments and virtual IBANs, and a bank for larger balances and credibility with partners.
What matters when applying
- Risk appetite: which industries and countries of incorporation are accepted.
- Onboarding: documents, source-of-funds evidence, expected turnover, timelines.
- Rails: SEPA, SEPA Instant, SWIFT, Faster Payments, local rails; supported currencies.
- Pricing: account fees, transfer fees, FX margins, minimum balance.
- Stability: history of de-risking in your segment and notice periods for closure.
By country
Country pages narrow the list: banks in the UK, Lithuania, UAE, Singapore. Often the right jurisdiction depends on your licence — see payment licensing and company formation.
Nominal hub is a directory, not a banking introducer: approval decisions are made by each institution. Check Offers for published terms or post a request describing your business.