Banks & EMIs
Acquiring banks, business accounts, EMIs, crypto-friendly banks and BaaS.
BDO Unibank
BDO Unibank is a Philippine bank, operating as BDO Unibank, Inc., that provides merchant acquiring and online acceptance through BDO Checkout with payment…
Bilder / Bilderlings
Bilder / Bilderlings is a payment service for companies that deal with clients and partners in different countries. The operator is Bilderlings Pay Limited, a…
BVNK
BVNK is a stablecoin and fiat payment infrastructure provider founded in 2021. Businesses, fintech platforms and payment partners use it to accept, send, hold…
Chase Payment Solutions
Chase Payment Solutions is the merchant acquiring arm of JPMorgan Chase, operated by JPMorgan Chase Bank, N.A. (also known as Chase Merchant Services and Chase…
CIMB Bank
CIMB Bank is a Malaysian bank, operating as CIMB Bank Berhad, that offers merchant acquiring alongside business bank accounts. Its payments products also…
ConnectPay
ConnectPay is a modular embedded-finance platform for digital businesses, operated by UAB ConnectPay, an electronic money institution regulated by the Bank of…
Convera
Convera is a payment infrastructure company focused on international business payments and foreign exchange. Its European service entity is Convera Europe…
Currencies Direct
Currencies Direct is an international money transfer and FX provider running an open partner program. The operating company is Currencies Direct Ltd, an…
DECTA
DECTA is a payment processing, card issuing and acquiring infrastructure provider founded in 2015, working from London and Riga. The company describes itself…
Fibonatix
Fibonatix is a payment company that offers businesses payment solutions and support for payment processing. The UK entity, Fibonatix (UK) Limited (company…
finby
finby is a payment gateway that has been processing card and local payment methods since 2009, formerly known under the TrustPay brand. It combines card and…
Finmo
Finmo is a business payments platform that combines liquidity management, collections and treasury processes. It is operated by Finmo Tech Pte. Ltd. in…
Fintecture
Fintecture is a French payment institution, authorised by the ACPR (licence reference 17248 according to the provider), that helps merchants accept payments by…
Fiserv
Fiserv is a financial technology provider whose entity listed here is Fiserv, Inc. It supplies banks and financial institutions with card processing, core…
FOMO Pay
FOMO Pay is a Singapore payment company founded in 2015 and part of FOMO Group, operated by FOMO Pay Pte Ltd from Tahir Building, Robinson Road. It holds a MAS…
Getnet
Getnet is the acquiring platform of the Santander banking group, serving physical and online shops in Iberia and Latin America. As a bank-owned acquirer, it…
Hang Seng Bank
Hang Seng Bank is a Hong Kong bank, operating as Hang Seng Bank Limited, that provides merchant acquiring directly, without an aggregator in between. It offers…
HBL
HBL is a Pakistani bank, Habib Bank Limited, that offers merchants online acquiring through HBLPay Checkout and other payment solutions for business. The…
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.