B2B Pay


We make
B2B Payments cheaper

Stop losing ⅕ of your profits on fees and currency conversion now. Reclaim 20% of your margin when you’re getting paid. You deserve it.

Learn moreGet a virtual bank account

Currency conversion in 32 Global currencies

Make payment to 200 countries and save 80% compared to BANK

Awards & nominations

  • Accenture
  • Get In The Ring
  • BBVA
  • BAI
  • EU Startups
  • Exec Fintech
  • Barclays
  • Techstars
  • Nordea

How Virtual Bank Accounts Work

A virtual bank account is for businesses with customers in Europe.

Virtual Bank Accounts: Features

Now, non-resident companies can get an IBAN within the EU. Powered by Barclays.


Your company loses up to 20% off your margin on currency conversion and fees when you receive money from abroad. It’s time to stop losing money when getting paid.

Without B2B Pay, your company:
  • Cannot open a non-resident bank account in Europe
  • Cannot collect or send domestic wire transfers
  • Pays SWIFT fee of €30
  • Pays currency conversion cost of 3-6%
  • Cannot access EU payment gateways
  • Suffers from banking process bureaucracy
  • Cannot collect payments from marketplaces like Amazon
  • Waits 2-5 days per transfer

Get a B2B Pay virtual bank account with a unique IBAN. Your new non-resident bank account is linked to your business bank account in your home country. You get a faster, 80% cheaper and transparent B2B transfer.

With B2B Pay, your company:
  • Gets its own non-resident bank account in Europe
  • Can receive free payments from 35 EU countries in 2-12 hours
  • Can make SEPA payments to 35 EU countries
  • Saves €30 SWIFT fee and +80% on Foreign Exchange (FX)
  • Can take advantage of FX conversion automation
  • Can integrate with marketplaces and payment gateways
  • Can make global payments in 138 currencies
  • Gets Instant notifications of incoming payments
  • Can take advantage of online onboarding

Non resident banks accounts

A virtual bank account is suitable for anyone doing business abroad.

International payments

You can now receive the fastest B2B transfers from anywhere. Our Tier 1 partners give you access to any currency. We replace countless processes with a seamless conversion routine. Automation means you can send money to over 130 countries from any country with little to no effort. Our focus is on saving you money.

More Information

Virtual Bank Accounts

B2B payments should be free from bureaucracy. When you have a virtual bank account, B2B transfers are easier, faster and cheaper. You can monitor transactions in real-time. We use existing banking infrastructure to solve serious problems like reconciliation, cash management and pooling accounts.

More Information

Virtual Banking Layer

The world of banking is changing fast. Fintech offers financial solutions using technology, creating a new layer on top of the old banking systems. Better integration, quicker processes and lower costs means you benefit, as these effects grow exponentially. We use the latest technology, so when you use B2B Pay you save money.

More Information



Fundamental for all industries

A non-resident bank account in Europe gives you access to optimised B2B transfers, increasing efficiency and dynamism for industries of all kinds and sizes. Plus, with B2B Pay, everyone gets enterprise-grade fraud detection and security.

Importers & Exporters

Drastic fluctuations in foreign currencies quickly eat into international traders’ margins. The amount of paperwork can be crushing. The cost of entry is often prohibitive, sometimes unbearable. With B2B Pay, your profit margin improves by 7% to 20%.


With a virtual bank account and IBAN, you inspire confidence in your European customer. Even more important: B2B Pay’s pricing structure was created with your bottom line in mind.


We offer a truly effective alternative that makes sense financially, so more money goes where it is needed.

Travel industry

Our VBA allows industry operators to give their customers the best user experience while growing their profit margin.


b2b payments

Virtual Bank API

We develop seamless, secure and economical banking products regardless of the market segment. From managing 250 million euros split in thousands of international transactions to the creation of a system with 10 thousand IBANs that handles factoring, we are ready.

Key Focus Areas Include
b2b payments

Virtual Banking Layer

Simple white-label solutions to complex problems. Our technological expertise provides you with the best in cutting-edge financial packages — designed with your business in mind.

Key features
b2b payments

Virtual Bank Account

When you use B2B Pay’s non resident bank account, the dashboard gives you the exact information you need to know in an easily accessible format. Download your transaction history in the format of your choice with a simple click.

Key features
  • Designed for convenient access across devices
  • Conveniently export data for use in software such as Quickbooks
  • Receive email notifications and optional SMS notifications


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Our pricing is extremely simple and honest: for transactions to India and the United States, we charge 1% based on the average daily mid-market rate as indicated with Bloomberg. Visit our pricing page for a full breakdown.


Multi-currency account convert to 40+ currencies pay to 200+ countries

just ask

Free IBAN Incoming SEPA Outgoing SEPA Transfer to home account


Free IBAN Incoming SEPA Outgoing SEPA Transfer to home account Transfer via SWIFT


b2b payments

Contact us
for custom solutions:

Contact Us

Join the 10 thousand plus businesses already with B2B Pay.

You will be added to a waiting list. We apologize for the inconvenience! We are switching suppliers with the goal of starting onboarding new clients in October.

Winning Pitch at Barclays

A new banking world

It is now possible to affordably connect SMEs to their suppliers anywhere in the world. Perform financial transactions more efficiently with a European virtual bank account and API integration.

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Join the 10 thousand plus businesses already with B2B Pay