Banks & EMIs
Acquiring banks, business accounts, EMIs, crypto-friendly banks and BaaS.
SouthState Bank
SouthState Bank, National Association offers SouthState Small Business Checking, a basic account for businesses with no monthly maintenance fee and 150…
South Indian Bank
South Indian Bank offers Merchant Acquiring Services through POS terminals for accepting digital payments. The legal entity is the listed company (CIN…
Soldo
Soldo is a spend management platform that provides corporate payment cards and centralised control of team, travel and operating purchases. Cards run on…
Solaris
Solaris is a licensed bank, Solaris SE, that provides a banking licence and API infrastructure to partners. Its Banking-as-a-Service offer covers accounts…
SoFi Tech Solutions
SoFi Tech Solutions is a technology business that brings together card processing, payment APIs and core banking technology for banks, fintechs and brands. In…
Société Générale France (SG)
Société Générale France (SG) is the French bank Société Générale, headquartered at 29 boulevard Haussmann, 75009 Paris. For businesses it combines professional…
Simmons Bank
Simmons Bank offers business checking in the United States through two published products, Business Core Checking and Business Plus Checking. They differ in…
Shine
Shine is a French online business account for small companies and independent professionals, provided by Shine France SAS. The company holds a payment…
SH Financial
SH Financial is the brand of Stanhope Financial, operated by UAB STANHOPE FINANCIAL (company number 305574870), an electronic money institution licensed by the…
Seven Seas Finance
Seven Seas Finance provides payment accounts for international trading companies and individuals. It operates through UAB Seven Seas Europe, an electronic…
SEPAGA
SEPAGA is a Cyprus-based electronic money institution, SEPAGA E.M.I. Ltd (company number HE347331), authorised by the Central Bank of Cyprus under licence…
SEB Pank Estonia
SEB Pank Estonia is the Estonian arm of the SEB group, operating as AS SEB Pank (registry code 10004252). The bank was founded in 1992 and has its address at…
SEB
SEB is a Swedish bank, Skandinaviska Enskilda Banken AB (publ), organisation number 502032-9081, and its Företagskonto is the business current account used for…
SDK.finance
SDK.finance is a software company founded in 2013 and headquartered in Vilnius, Lithuania. It supplies a ready-made white-label fintech platform, with the…
Scotiabank
Scotiabank, the trading name of The Bank of Nova Scotia, offers business chequing accounts in Canada, with CAD and USD accounts and merchant settlement. The…
SBM Bank Mauritius
SBM Bank Mauritius offers e-commerce merchant acquiring in Mauritius, including multicurrency acquiring. The service comes with 3-D Secure, anti-fraud…
SBI Payments
SBI Payments is the merchant acquiring joint venture through which State Bank of India provides acquiring in India. The legal entity is SBI Payments Services…
Saudi National Bank
Saudi National Bank, known as SNB and formerly National Commercial Bank (NCB), provides acquiring services for merchants in Saudi Arabia. The contracting…
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.