DATA / 01
Matched to your structure
We map company jurisdiction, markets, currencies, turnover and the required payment flow.
PAYMENTS / INDEPENDENT DIRECTORY
Banks and payment solutions matched to your business model.
Compare business banks, digital banks and EMIs, PSPs, acquirers and merchant-of-record solutions. We review baseline criteria, prepare the KYB pack and support the application; the selected organisation always makes the final decision.
DATA / 02
KYB preparation
We prepare a consistent company, UBO, business activity and source-of-funds pack in advance.
DATA / 03
No approval promises
The directory narrows the options but never replaces the bank, EMI or PSP review and decision.
PROVIDER DIRECTORY / 55
Find the right financial setup.
Data is based on providers’ public materials. Inclusion does not imply a partnership, endorsement or guarantee of account opening.
FOUND / 55
Availability depends on company jurisdiction, owner residence, business activity and KYC/KYB review.
01
Traditional banks / Business banks / Cross-border payments
HSBC UK Business
Startups and established SMEs with UK registration, operations and tax residence; separate products cover more complex international needs.
Current account and branch bankingDomestic and international paymentsDebit cards, online banking and mobile app
ONBOARDING
Application is online or relationship-manager led depending on the product. The bank checks UK tax residence, registration, address, turnover, activity, directors and owners, and may request identity and address evidence.
02
Traditional banks / Business banks
Santander UK Business
UK-registered startups and companies with straightforward banking needs; the standard product targets structures with a limited number of directors, owners or partners.
Current account, cards and online bankingCash services through branches, ATMs and the Post OfficeDomestic and international payments
ONBOARDING
The bank checks UK registration and operations, UK residence of connected persons, legal form, trading address, forecast turnover and activity. The route may involve the app, remote checks and a branch.
03
Traditional banks / Business banks / Acquiring
Chase for Business
US sole proprietorships, LLCs, corporations, partnerships and other eligible forms; selected privately held structures may apply online, while more complex structures use a branch.
Business checking, cards, checks and wiresUS branch and ATM networkBuilt-in card acceptance for selected products
ONBOARDING
The online route is limited to selected privately held businesses. Owner information above the stated threshold, formation documents, EIN/TIN, citizenship, addresses and expected activity are requested; a branch may require signers to attend.
04
Traditional banks / Business banks
Bank of America Business
US small businesses including sole proprietorships, LLCs, corporations and partnerships with eligible formation, tax and identification documentation.
Business checking and savings accountsBranches, ATMs, cards and online bankingACH, checks, wire transfers and cash services
ONBOARDING
Application and documents depend on legal form. For LLCs the bank publishes EIN or eligible tax-ID, formation, DBA and owner-information requirements; a branch and additional review may be required.
05
Traditional banks / Business banks / Cross-border payments
DBS Business
Singapore startups and SMEs, plus foreign-owned Singapore companies through a separate guided route; international structures need a verifiable Asian business profile.
Business multi-currency accountFAST, GIRO, international transfers and FXDBS IDEAL, corporate cards and access controls
ONBOARDING
Fully locally owned Singapore companies may qualify for the online route. Foreign ownership follows a separate review with corporate documents, UBO/SOW, business activity, Asian presence and possible relationship-manager involvement.
06
Traditional banks / Business banks / Cross-border payments
OCBC Business Banking
Singapore-registered startups, SMEs, sole proprietorships, partnerships, LLPs and companies; the route depends on ownership, signers and digital-verification availability.
SGD and multi-currency business accountsPayNow Corporate, FAST, GIRO and international transfersOCBC Velocity, cards and accounting integrations
ONBOARDING
A digital route is available to eligible Singapore companies. Other structures may need forms, a board resolution, corporate documents, passports and address evidence for UBOs, directors and signers, with possible branch attendance.
07
Digital banks / EMIs / Cross-border payments
Wise Business
Freelancers, sole traders, partnerships, private and public companies; trusts only in selected countries.
Multi-currency business accountLocal account details in eligible currenciesInternational transfers and batch payments
ONBOARDING
Online application and remote KYB/KYC; available features depend on incorporation country and address.
08
Digital banks / EMIs / Cross-border payments
Revolut Business
Registered companies and partnerships in eligible forms; sole-trader and organisation support varies by market.
Multi-currency accounts and transfersCorporate cards and spend managementPayment workflow automation
ONBOARDING
Digital application with verification of the company, owners, applicant, and physical presence where required.
09
Digital banks / EMIs / Cross-border payments / PSPs / Acquiring
Airwallex
Active registered companies, ecommerce, SaaS, marketplaces, platforms, and international businesses.
Global Accounts and multi-currency walletPayment acceptance and local payment methodsPayouts, FX, cards, and embedded finance
ONBOARDING
Online KYB for direct customers; API or hosted/native onboarding for connected accounts.
10
Digital banks / EMIs / Cross-border payments
Payoneer
Freelancers, ecommerce sellers, SMBs, contractors, marketplaces, and platforms in supported countries.
Multi-currency receiving details for B2B paymentsInternational payments and payoutsPayment requests and marketplace solutions
ONBOARDING
Remote registration with identity, business, activity, and payment-source verification.
11
Business banks / Digital banks / EMIs
Mercury
Most companies formed in the United States or a U.S. territory, including companies with international founders.
USD business accounts through partner banksACH, domestic, and international wiresCards, invoicing, and treasury tools
ONBOARDING
Fully online; international founders need not be U.S. residents, but the company must have existing or planned U.S. operations.
12
Business banks / Digital banks / EMIs
Relay
U.S. LLCs, corporations, and partnerships with a U.S. operating presence; some products have narrower criteria.
USD business accounts through a partner bankACH, wires, bill pay, and cardsCash-flow separation across accounts
ONBOARDING
Online application with KYB/KYC and verification of EIN, owners, addresses, and operating presence.
13
Business banks / Digital banks / EMIs / Cross-border payments
Brex
U.S.-registered C-corps, S-corps, LLCs, and LLPs; not for consumers or sole proprietors.
Business account and treasury through regulated providersCorporate cards and global spendExpenses, bill pay, and travel
ONBOARDING
Digital application with verification of the U.S. company, EIN, UBOs, control persons, and financial information.
14
Business banks / Digital banks / EMIs
Ramp
Eligible U.S. companies; banking products are available only to supported U.S. entities.
Corporate cards and spend managementBill pay, expenses, and procurementChecking and treasury for eligible companies
ONBOARDING
Online KYB covering the entity, EIN, address, owners, and a linked business account.
15
Business banks / Digital banks / EMIs
Tide
In the UK, sole traders, freelancers, and Ltd directors; in Germany, supported local forms including freelancers, Einzelunternehmen, UG, and GmbH.
Digital business accountCards, invoicing, and expense managementAccounting and administration tools
ONBOARDING
Online through the website or app; address, phone, director, and entity requirements depend on the product country.
16
Digital banks / EMIs
Qonto
SMBs, startups, freelancers, and supported local legal forms; the exact list is published for each country.
Business payment account and cardsExpense management, invoicing, and bookkeepingCapital deposit in eligible countries
ONBOARDING
Fully online for supported countries and forms; companies in formation may follow a separate flow.
17
Business banks / Digital banks / EMIs / Cross-border payments
bunq Business
Companies and self-employed businesses with eligible local legal forms in bunq operating countries.
Business accounts and cardsSEPA payments and selected multi-currency featuresAutomation through API
ONBOARDING
Digital registration; the representative and company must meet supported-country requirements and pass verification.
18
Business banks / Digital banks / EMIs
N26 Business
Self-employed people and freelancers trading under their own name; the account is not held in a separate company's name.
EUR account for self-employed activityBusiness debit cardMobile expense management
ONBOARDING
Remote in-app onboarding after identity and residence verification in a supported European country.
19
Business banks / Digital banks / EMIs
Monzo Business
Sole traders and directors of active private limited companies by shares; other forms are currently unsupported.
GBP business current accountCards, invoices, and tax potsInternational payment receipt with conversion
ONBOARDING
Online through the app; the applicant, company, and tax residence must meet UK requirements.
20
Business banks / Digital banks / EMIs
Starling Business
UK sole traders, companies limited by shares, LLPs, and some CICs subject to ownership criteria.
GBP business current accountCards, payments, and bookkeeping toolsOptional EUR/USD products for eligible customers
ONBOARDING
Online; directors, partners, and PSCs with access generally must be individual UK residents.
21
Digital banks / EMIs / Cross-border payments
Aspire
Registered companies and businesses in supported APAC countries; product availability depends on entity country.
Business payment accountsLocal and USD account details subject to eligibilityCards, expenses, payables, and receivables
ONBOARDING
Digital KYB/KYC; additional documents or manual review may apply based on country and business model.
22
Digital banks / EMIs / Cross-border payments
Statrys
SMBs, startups, and registered companies primarily from Hong Kong, Singapore, and the BVI; not for individuals.
Virtual business accountInternational payments and FXMulti-currency operations
ONBOARDING
Fully online with verification of the company, UBOs, directors, activity, and geographic links.
23
Digital banks / EMIs / Cross-border payments
Currenxie
Ecommerce businesses, SMBs, enterprises, marketplaces, and platforms; not for sole traders or personal use.
Global Account for business paymentsReceive, send, and convert currenciesCross-border collections and payouts
ONBOARDING
Remote application with verification of the company, directors, UBOs, business activity, and expected flows.
24
Digital banks / EMIs / Cross-border payments
OFX Business
SMBs, ecommerce and online sellers, and companies making international payments; availability depends on the contracting entity.
Global Business Account in 30+ currenciesLocal details for selected major currenciesFX, domestic, and international payments
ONBOARDING
Online or assisted by an onboarding specialist depending on country, structure, and required FX product.
25
Digital banks / EMIs / Cross-border payments
Ebury
SMBs, mid-market companies, ecommerce, institutional clients, and platforms with international treasury needs.
Multi-currency accounts in 29+ currenciesPayments to 160+ countries and broad FX coverageSpot, forwards, collections, and payouts
ONBOARDING
Sales-led remote onboarding with KYB/KYC and agreement on the treasury, payment, or platform use case.
26
Digital banks / EMIs / Cross-border payments
iBanFirst
European and international SMBs and mid-market companies with recurring FX activity.
Accounts and incoming funds in 25 currenciesPayments in 136 currenciesFX and currency-risk management
ONBOARDING
Applications are handled by sales, followed by KYB/KYC and review of FX volume, sector, and source of funds.
27
Cross-border payments
Corpay Cross-Border
SMBs, mid-market and enterprise companies, financial institutions, and platforms with international payables, receivables, and FX needs.
Cross-border payments and FXMulti-Currency AccountsSpot, forwards, beneficiary, and payment workflows
ONBOARDING
Sales-led onboarding; API onboarding is available to approved client or partner implementations in supported regions.
28
PSPs / Acquiring / Cross-border payments
Stripe
Startups, ecommerce, SaaS, SMBs, enterprises, marketplaces, and platforms in supported countries.
Online and in-person paymentsCards, wallets, bank, and local payment methodsBilling, Connect, payouts, and fraud tools
ONBOARDING
Online self-service in available countries or sales-led for enterprise; some markets are limited or invite-only.
29
PSPs / Acquiring / Cross-border payments
Adyen
Mid-market and enterprise businesses, ecommerce, omnichannel, platforms, and marketplaces; generally sales-led.
Global acquiring and payment processingOnline, in-person, and unified commerceLocal methods, platforms, issuing, and risk tools
ONBOARDING
Sales-led merchant underwriting with KYB, business-model, volume, and risk review before production activation.
30
PSPs / Acquiring / Cross-border payments
Checkout.com
Scaling ecommerce, SaaS, travel, digital businesses, marketplaces, and enterprise merchants.
Online card acquiring and local payment methodsFlow checkout, tokenisation, and recurring paymentsPayouts, fraud, and network optimisation
ONBOARDING
Sales-led merchant underwriting; production payment methods are activated after KYB, compliance, and scheme review.
31
PSPs / Acquiring
Mollie
European and UK ecommerce, SaaS, SMB, and mid-market merchants with a supported bank account.
Cards and European local payment methodsHosted and custom checkoutRecurring payments, payment links, and invoicing
ONBOARDING
Online application with verification of the organisation, representatives, website, and bank account.
32
Digital banks / EMIs / PSPs / Acquiring / Cross-border payments
PayPal Commerce Platform
SMBs, ecommerce businesses, freelancers, nonprofits, and enterprises where the relevant business feature is available.
PayPal wallet and card checkoutOnline payments, subscriptions, and invoicingCross-border acceptance and payouts in eligible markets
ONBOARDING
Online business account with verification of the owner, company, bank details, and activity; features vary by country.
33
PSPs / Acquiring
Braintree
Ecommerce, apps, subscriptions, marketplaces, and platform businesses in supported merchant regions.
Card and PayPal processingVault, recurring billing, and marketplace flowsMulti-currency processing based on account setup
ONBOARDING
Online or sales-assisted merchant application with underwriting before a production merchant account is issued.
34
PSPs / Acquiring
Square
Retail, hospitality, professional services, ecommerce, and other SMBs in eight supported processing markets.
POS and in-person acquiringOnline payments, invoices, and payment linksCommerce, orders, and business software
ONBOARDING
Online in the processing-account country; the seller must be located in the activation country to process card payments.
35
PSPs / Acquiring
SumUp
Sole traders, companies, partnerships, and other locally eligible merchant types, especially retail and service SMBs.
Card readers and POSOnline payments, links, and invoicesMerchant management
ONBOARDING
Digital merchant registration; country-specific entity, representative, bank, and MCC data are verified.
36
PSPs / Acquiring / Cross-border payments
Nuvei
Mid-market and enterprise businesses, ecommerce, platforms, and merchants with complex international or local payment needs.
Global acquiring and alternative payment methodsPay-ins, payouts, and platform paymentsBroad currency coverage and fraud tools
ONBOARDING
Sales-led underwriting; Nuvei for Platforms also provides hosted seller onboarding and KYC workflows.
37
Digital banks / EMIs / Cross-border payments / PSPs / Acquiring
Rapyd
Ecommerce, enterprise, fintech, platforms, and marketplaces domiciled in supported countries.
Global checkout and local payment methodsCollections, wallets, and payoutsPlatform and embedded-finance APIs
ONBOARDING
Sales-led business onboarding; seller or customer onboarding can be embedded by API after programme approval.
38
PSPs / Acquiring / Cross-border payments
dLocal
Enterprise ecommerce, SaaS, travel, marketplaces, and platforms expanding into emerging markets.
Local pay-ins in 40+ emerging marketsPayouts and refundsCards, bank transfers, cash, and local wallets
ONBOARDING
Enterprise sales-led onboarding and technical integration; dLocal Go has a separate regional self-service model.
39
Merchant of Record / PSPs / Cross-border payments
Paddle
B2B and B2C SaaS, software, and games; not for physical goods, standalone consulting, or general marketplaces.
Merchant of Record for softwarePayments, subscriptions, and billingSales-tax calculation, collection, and remittance
ONBOARDING
Online seller application with company, product, domain, ownership, and compliance review.
40
Merchant of Record / PSPs / Cross-border payments
Lemon Squeezy
SaaS, software, licensable digital products, and subscriptions in supported payout countries.
Merchant of Record for digital productsCheckout, subscriptions, and licence keysSales-tax handling
ONBOARDING
Online store activation with identity or business verification and product review before live sales.
41
PSPs / Acquiring / Cross-border payments
Shopify Payments
Shopify stores operated by a company or entrepreneur in a supported country with eligible goods or services.
Integrated card checkout for ShopifyShop Pay, wallets, and local payment methodsMulti-currency processing in eligible markets
ONBOARDING
Activated in Shopify Admin; country-specific business verification, a bank account, and two-factor authentication are required.
42
PSPs / Cross-border payments
GoCardless
Sole traders, registered companies, partnerships, charities or nonprofits, and trusts where the relevant form is supported.
Direct debit collectionOpen Banking paymentsRecurring and one-off bank payments
ONBOARDING
Online for standard merchants; U.S. and enterprise or platform use cases may require sales contact.
43
Traditional banks / Business banks
LHV Bank Business
Companies registered in Estonia (OÜ, AS), including location-independent e-resident businesses with a clear connection to the country.
Multi-currency business account and debit cardOnline and mobile bankingSEPA and international transfers
ONBOARDING
The application starts online, but non-residents without an Estonian ID-card or e-resident digital ID typically need to visit a branch in Tallinn, Tartu or Pärnu in person to complete account opening.
44
Traditional banks / Business banks
Deutsche Bank Business
Founders, freelancers, self-employed professionals and companies of any legal form operating in Germany.
Three account tiers — Business Basic/Classic/Premium — with a debit card, and a credit card from Classic upwardOnline banking and a business area in the mobile appA free starter package for founders in the first year, including accounting tools
ONBOARDING
The application is submitted online with remote identity verification via VideoIdent (WebID) or the traditional PostIdent process.
45
Traditional banks / Business banks
BNP Paribas Professionnels
Sole traders, micro-entrepreneurs and healthcare professionals via the streamlined online route; larger companies via a dedicated advisor.
A dedicated professional account, separate from personal financesCard, chequebook and access to a business advisorAuthorized overdraft for cash-flow fluctuations
ONBOARDING
Fully online in a few steps for sole traders and micro-entrepreneurs (the Esprit Libre Pro offer); other legal forms go through an advisor-led process.
46
Digital banks / EMIs / Business banks
Wio Bank Business
UAE-licensed freelancers, SMEs and growing companies, including solo founders and creators.
A free multi-currency account with no minimum balance (Essential/Grow plans)App-based banking with invoicing and expense toolsLocal and international transfers
ONBOARDING
Fully digital opening via the Wio Business app or web version; typically live within about 3 working days for eligible UAE entities.
47
Traditional banks / Business banks / Cross-border payments
TBC Bank Business
Companies and individual entrepreneurs registered in Georgia — from local SMEs to larger businesses.
Accounts in Georgian lari and major foreign currenciesBusiness cards and local/international transfersOnline and mobile business banking
ONBOARDING
Account opening happens in-branch with verification of company registration and signatories; ongoing banking runs through the online and mobile channels.
48
Traditional banks / Business banks
RBC Royal Bank Business
Sole proprietorships, small businesses, non-profits and corporations operating in Canada.
Business chequing accounts, including Digital Choice for digitally active small businessesOnline and mobile banking, including RBC Express for larger organizationsBusiness credit cards and financing
ONBOARDING
Standard small-business chequing accounts can be opened online with an account number issued within minutes; more complex entities work with a business banking advisor.
49
Traditional banks / Business banks / Acquiring
NAB Business
Australian sole traders, SMEs and larger businesses across sectors.
Business transaction accounts with an online applicationMerchant and card-acceptance facilitiesAccounting software connections and business finance
ONBOARDING
Business transaction accounts can be applied for online in around 10 minutes for eligible applicants; more complex products go through a business banker.
50
PSPs
Klarna
E-commerce merchants of any size with a live online store, from independent brands to enterprise retailers.
Pay-later, installment and direct payment options at checkoutA Merchant Portal for order and report managementExpress checkout widgets and major-platform plugins
ONBOARDING
The application is online — any registered business with a functioning e-commerce site can apply; enterprise integrations follow a dedicated onboarding path.
51
Acquiring / PSPs / Cross-border payments
Worldpay
SMEs through large enterprises needing card acceptance and global payment acceptance online, in-store and in-app.
Global acquiring across dozens of marketsBroad local-payment-method coverageFraud, risk-management and reporting tools
ONBOARDING
Standard merchants can apply online; enterprise and global-acquiring setups go through a dedicated sales and implementation process.
52
PSPs / Cross-border payments
Flutterwave
African businesses and international companies selling into Africa, from small merchants to global platforms.
A single API to local payment rails (cards, M-Pesa, MTN MoMo, USSD, bank transfer) and the pan-African PAPSS networkHosted checkout, payment links and virtual accountsA turnkey online store (Flutterwave Store) for small merchants
ONBOARDING
Online sign-up with KYB/KYC document verification; licensing and available local rails vary by country.
53
PSPs / Acquiring
Razorpay
Indian startups, SMEs, large enterprises, NGOs and freelancers across sectors.
A payment gateway covering UPI, net banking, cards and international payments in 100+ currenciesRazorpayX business banking suiteSubscriptions and recurring billing
ONBOARDING
Online sign-up with mandatory KYC and business verification before going live.
54
PSPs / Digital banks / EMIs
Mercado Pago
Online and in-person merchants across Latin America, from small sellers to large retailers, including those selling on the Mercado Libre marketplace.
Online checkout and digital-wallet paymentsQR-code and point-of-sale card readers for in-person salesMoney transfers and a digital account
ONBOARDING
Online business registration on Mercado Pago's own platform, then activation of the chosen sales channel — online checkout, QR or POS.
55
Merchant of Record / PSPs / Cross-border payments
FastSpring
SaaS, software, digital-product and game companies selling to global consumers and businesses.
Acts as merchant of record — calculates, collects and remits VAT/sales tax across 200+ regionsCheckout, subscription billing and chargeback handlingSupport for 20+ languages and 23+ currencies
ONBOARDING
Application and integration via FastSpring's checkout/API, followed by a review before going live.
CUSTOM MATCH / KYB
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B2B / PAYMENT SOLUTIONS
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