Banks & EMIs
Acquiring banks, business accounts, EMIs, crypto-friendly banks and BaaS.
Q2 Helix
Q2 Helix, also presented as Helix by Q2, is a technology platform for core banking and for building personalised financial products inside apps. The parent…
Punjab National Bank
Punjab National Bank (PNB) offers merchant acquiring to existing and new customers in India. It is a bank merchant-acquiring offering, with the full range of…
Prosperity Bank
Prosperity Bank is a US bank that offers business checking accounts for small companies and Business Analysis accounts, including interest-bearing versions…
Privalgo
Privalgo is an international payment platform with multi-currency accounts, e-wallets and virtual IBANs. It combines receiving, sending and managing payments…
Powens
Powens combines financial data and payment infrastructure: virtual IBANs, automation of incoming and outgoing payments, and open-banking APIs. The Unnax brand…
Pomelo
Pomelo provides technology for issuing, processing and managing card programmes in Latin America. It is an issuer processor and a financial infrastructure…
PNC
PNC is a US banking group that offers merchant acquiring, escrow and paying-agent services for deals, and business bank accounts. The group parent is The PNC…
Pleo
Pleo is a corporate card and spend management platform that also handles reimbursements and supplier payments. Cards run on the Mastercard network, and the UK…
Pismo
Pismo is a cloud technology platform for core banking, card issuing and card processing. It is classified as an issuer processor and a financial infrastructure…
Pinnacle Financial Partners
Pinnacle Financial Partners operates its banking business through Pinnacle Bank, which offers business checking in the United States. The line includes…
Piermont Bank
Piermont Bank is a US bank that provides embedded banking and API banking for companies needing their own banking product or automated payments. It is a…
Pervesk
Pervesk is a Lithuanian electronic money institution that offers personal and business payment accounts, IBANs and SEPA transfers. For financial companies it…
PayTop
PayTop is a payment institution that builds white-label money transfer services for companies wanting to launch a remittance product under their own brand. Its…
Payset
Payset offers business accounts in 35 currencies with local virtual IBANs, foreign exchange, and bulk and recurring payouts. The UK entity is Pay Set Limited…
Paysera
Paysera is a Lithuanian electronic money institution that provides payment accounts with an IBAN for businesses and private clients. The licensed entity is…
PaySaxas
PaySaxas offers businesses EUR accounts with a dedicated IBAN and SEPA and SEPA Instant payments. Its website describes settlements for licensed money service…
PayNovus
PayNovus provides multi-currency business accounts, SEPA and SWIFT payments and card issuing. The company also offers payment-as-a-service, BIN sponsorship and…
Paynetics
Paynetics is a payments company, authorised as an electronic money institution, that supplies card issuing and acquiring, payment accounts and transfers for…
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.