Quppy Business
Business payment account for EUR, GBP and USD.
One payment setup for international operations.
Receive, hold, exchange and send business funds through one connected Quppy platform. Access supported European, UK, US and international payment rails, dedicated account details, virtual IBANs and eligible merchant settlement payouts—subject to onboarding and your approved account configuration.
Receive settlements, manage EUR, GBP and USD, reconcile incoming flows and pay through supported European, UK, US and international rails — without stitching together a separate provider for every workflow.
- EUR, GBP and USD
- SEPA, SEPA Instant, Faster Payments, SWIFT and ACH
- Dedicated GB IBAN & virtual IBANs where approved
- Eligible acquiring and PSP settlement payouts
- Corporate crypto exchange
Quppy is not a bank. Account details, currencies, payment rails, limits and pricing depend on eligibility, compliance approval, provider availability and the configuration stated in your customer offer.
Built for international money flows
- 01
Merchant settlements
Receive PSP and acquiring payouts directly into approved business account details.
- 02
Cross-border operations
Receive in one currency. Hold or exchange. Pay in another.
- 03
Multiple stores, entities and payment flows
Use virtual IBANs to identify and reconcile incoming flows.
- 04
Crypto-enabled treasury
Move approved company funds between fiat and supported digital assets through a connected corporate workflow.
Why Quppy Business
Fewer disconnected payment relationships
EUR, GBP and USD across multiple rails under one approved configuration.
Reconciliation built into the account structure
Dedicated and virtual identifiers separate incoming flows by provider, store, project or entity.
From merchant settlement to operational payment
- Acquirer
- Quppy
- currency exchange
- supplier
In one place.
Fiat and corporate crypto in one workflow
For approved businesses, corporate crypto exchange connects to the same business balances.
What is Quppy Business?
Quppy Business is a business payment platform for eligible companies that need to receive, hold, exchange and send EUR, GBP and USD. Depending on the approved account configuration, customers may access SEPA, SEPA Instant, Faster Payments, SWIFT and ACH, dedicated or virtual account identifiers, fiat currency exchange and settlement payouts from acquiring banks, payment service providers and platforms.
A Quppy business payment account is not a deposit-taking bank account. Quppy provides the connected brand experience and technology, while the legal entities and providers named in the customer agreement deliver the underlying account, payment, safeguarding and execution services.
At a glance
International business payments, configured for your company
- Service
- Quppy Business payment account
- Customer type
- Eligible legal entities
- Supported source currencies
- EUR, GBP and USD, subject to configuration
- Payment rails
- SEPA, SEPA Instant, Faster Payments, SWIFT and ACH where approved
- Account identifiers
- Dedicated GB IBAN and virtual IBANs where approved
- Settlement capability
- Eligible payouts from acquiring banks, PSPs, facilitators and platforms
- Fiat exchange
- Supported currency conversions
- Approval
- Individual onboarding and compliance review
One platform for international business payments
Receive, hold, exchange and pay from one connected business account experience. Quppy is designed for companies working with international customers, suppliers, contractors, marketplaces and acquiring providers.
EUR, GBP and USD balances
Manage supported business funds in euro, British pound and US dollar without using a separate platform for every payment flow. The currencies activated for your company are stated in your approved account configuration.
European, UK, US and international payments
Access the payment rails enabled for your company, which may include SEPA, SEPA Instant, Faster Payments, SWIFT and ACH. Every payment should show the currency, route, provider, fee, limit and expected processing conditions before submission.
Merchant settlement payouts
Eligible merchants may use approved Quppy account details to receive settlement payouts from acquiring banks, payment service providers, payment facilitators and card-acquiring platforms.
Dedicated and virtual account identifiers
Eligible customers may receive a dedicated GB IBAN and, where approved, virtual IBANs that help identify and reconcile incoming payments by customer, provider, store, website, project, market or legal entity.
Fiat currency exchange
Exchange supported fiat currencies and use the resulting balance for eligible operational payments. Review the executed rate, service fee and amount to receive before confirming a conversion.
Business support
Work with a business support team that understands your ownership structure, transaction profile, payment corridors, settlement relationships and required currencies. Dedicated account-management availability is confirmed in your offer.
Payment rails
Supported currencies and payment routes
Your available currencies and routes are determined during onboarding. The table below describes the intended use of each rail; it does not guarantee that every rail is active for every company.
| Payment rail | Currency | Typical use | Public processing statement |
|---|---|---|---|
| SEPA | EUR | Euro payments within the SEPA area | According to SEPA scheme and participating-institution rules |
| SEPA Instant | EUR | Time-sensitive eligible euro payments | Near real time when both institutions and the transaction are eligible |
| Faster Payments | GBP | UK domestic payments | Usually processed rapidly, subject to network and provider availability |
| SWIFT | Multiple | International payments | Depends on banks, correspondent routes, charge option and compliance checks |
| ACH | USD | Eligible US domestic payments | According to ACH and participating-institution rules |
Payment rails, currencies and processing
SEPA
- Currency
- EUR
- Typical use
- Euro payments within the SEPA area
- Public processing statement
- According to SEPA scheme and participating-institution rules
SEPA Instant
- Currency
- EUR
- Typical use
- Time-sensitive eligible euro payments
- Public processing statement
- Near real time when both institutions and the transaction are eligible
Faster Payments
- Currency
- GBP
- Typical use
- UK domestic payments
- Public processing statement
- Usually processed rapidly, subject to network and provider availability
SWIFT
- Currency
- Multiple
- Typical use
- International payments
- Public processing statement
- Depends on banks, correspondent routes, charge option and compliance checks
ACH
- Currency
- USD
- Typical use
- Eligible US domestic payments
- Public processing statement
- According to ACH and participating-institution rules
EUR and SEPA
Use eligible EUR balances with SEPA and SEPA Instant routes. Availability, incoming and outgoing directions, cut-off rules, limits and provider conditions must be displayed for the approved account.
GBP and Faster Payments
Use approved GBP functionality with Faster Payments for eligible UK domestic payments. The account details and payment directions available to your company are stated in your offer.
USD and ACH
Eligible companies may receive USD functionality and ACH access where the approved configuration includes the required US account details and payment use case.
International SWIFT payments
Use SWIFT for eligible international payments in supported currencies. Correspondent or intermediary institutions may deduct charges, and payment timing depends on the route and compliance review.
For SWIFT payments, Quppy must show or explain the available charge option—such as SHA, OUR or BEN—where supported. Third-party deductions may remain outside Quppy’s control.
Account identifiers
Dedicated GB IBAN and virtual IBANs
Eligible Quppy Business customers may receive access to a dedicated GB IBAN and virtual IBANs for approved business-payment and settlement flows. The number of identifiers, supported currencies and permitted uses are determined during onboarding.
What is a dedicated IBAN?
A dedicated IBAN is an account identifier assigned for use by a specific business customer. It may be used for approved commercial payments, client receipts or acquiring settlements, depending on the underlying account and provider configuration.
What is a virtual IBAN?
A virtual IBAN is an identifier linked to an underlying account arrangement. It can help associate an incoming payment with a particular customer, acquiring provider, website, store, project, legal entity, geographical market or payment flow.
Reconcile incoming flows
Virtual IBANs can reduce manual reconciliation by separating approved incoming flows. For example, a merchant may assign different identifiers to acquiring providers or stores, while a holding company may distinguish projects or legal entities.
Merchant settlements
Receive merchant and acquiring settlement payouts
Eligible online and offline merchants can use approved Quppy account details to receive settlement payouts from acquiring banks, payment service providers, payment facilitators and card-acquiring platforms—then hold, exchange or pay out the funds through the approved business account configuration.
Received from
- Acquiring banks
- Payment service providers
- Payment facilitators
- Card-acquiring platforms
- Marketplaces or platforms, where approved
What Quppy provides
Quppy provides the connected business experience and access to approved account details that may be used to receive qualifying settlement payouts.
What your acquiring provider handles
Opening a Quppy business payment account does not by itself enable card acceptance. Payment acceptance, authorisation, processing, refunds, disputes, chargebacks and rolling reserves are handled under a separate agreement with your acquiring bank, PSP or another acquiring provider.
Multiple acquiring providers
Subject to approval, merchants may receive settlement payouts from more than one acquiring provider. Virtual IBANs may help separate flows by provider, store, website, project or entity.
Acquirer acceptance
Account approval does not guarantee that every acquirer will accept the proposed account details. Confirm the beneficiary country, currency and account identifier with your acquiring provider before changing settlement instructions.
Merchant onboarding information
Merchants may be asked for:
- company and beneficial-owner information
- products or services description
- website or physical-location details
- acquiring agreements
- processing statements
- expected monthly settlement volume
- average and maximum transaction values
- refund and chargeback information
- customer and operating jurisdictions
- settlement currencies
- source-of-funds evidence
Who uses Quppy Business?
Quppy Business is designed for international companies that need to receive, hold and move funds across Europe, the UK, the United States and other supported markets. Every application is reviewed on its own facts.
Online merchants
Receive approved acquiring settlements, marketplace payouts and e-commerce receipts.
Offline merchants
Receive settlement payouts connected with card payments at physical points of sale through a separate acquiring relationship.
International e-commerce
Manage customer receipts, acquiring settlements, supplier payments and fiat currency exchange through one approved configuration.
Digital-service companies
Receive payments from international clients and pay eligible contractors, software vendors and partners.
Professional services
Invoice clients in supported currencies and manage eligible outgoing business payments.
Importers and exporters
Receive and pay across supported payment corridors while reducing unnecessary forced conversion between operating currencies.
Holdings and multi-entity groups
Use virtual identifiers, where approved, to distinguish incoming flows by entity, project, market or provider.
Complex structures
More complex industries, ownership structures, licences or transaction profiles may require enhanced review and additional documentation. Review does not imply approval.
Corporate crypto exchange
Buy and sell supported digital assets from your business account
Eligible companies can access a separate Quppy corporate crypto exchange experience connected with approved EUR, GBP and USD business balances. Review supported assets, exchange directions, rates, fees, limits and provider details before confirming an operation.
Corporate crypto exchange is a separate service with its own eligibility, provider, agreement, fees, limits and risk disclosures. Account approval does not automatically mean crypto-service approval.
Onboarding
A business setup configured around your flows
The application is completed online. Timing depends on the company structure, business model, jurisdictions, requested services and completeness of the documents. Submission does not guarantee approval.
Tell us how your company moves money
Currencies, countries, settlements and counterparties.
Complete company verification
Receive your approved configuration
Currencies, account details, payment rails, limits and pricing.
Complete the application
Provide your legal company name, registration number, registered and operating addresses, website, business description, entity type, ownership structure, directors, beneficial owners, expected activity, currencies and required payment rails.
Upload company documents
Documents may include a certificate of incorporation, articles or memorandum, current registry extract, shareholder and director registers, proof of business address and applicable licences.
Verify directors and beneficial owners
Identity and address documentation may be required for directors, authorised representatives and ultimate beneficial owners. Source-of-wealth information may be requested depending on the profile.
Demonstrate business activity
Evidence may include contracts, invoices, financial statements, bank or payment statements, website or application information, product documentation, acquiring agreements and processing or settlement reports.
Complete the compliance review
The review assesses the company, owners, business model, customers, counterparties, operating jurisdictions, source of funds and expected activity against applicable law, Quppy policies and provider requirements. Additional clarification may be requested.
Receive your account offer
Approved customers receive an individual offer describing available currencies, account identifiers, payment rails, limits, pricing, permitted use, providers and applicable legal terms. The account becomes operational after all required agreements and onboarding steps are completed.
Who may apply?
Applications may be considered from companies inside or outside the European Union, including:
- online and offline merchants
- e-commerce businesses
- professional-service companies
- digital-service providers
- importers and exporters
- holdings and multi-entity businesses
- companies with international suppliers or contractors
- businesses requiring EUR, GBP or USD
What is reviewed?
- legal structure
- directors and beneficial owners
- industry and business model
- products and services
- operating and customer jurisdictions
- expected counterparties
- source of funds and, where relevant, source of wealth
- expected transaction activity
- acquiring relationships
- regulatory or licensing requirements
- requested currencies, payment rails and limits
Pricing
Pricing tailored to your company profile
Quppy Business pricing depends on the company profile, industry, ownership structure, jurisdictions, transaction activity, required currencies, payment corridors, settlement volume, account identifiers, compliance complexity and requested limits. Final pricing is stated in the individual commercial offer and current pricing schedule.
Before you activate a service, the applicable account, transfer, currency-exchange, virtual-IBAN and additional-service fees must be available in a durable format.
Starting prices
Indicative- Business-account opening
- €50from
- Monthly maintenance
- €25from
- Internal transfers
- €0from
- SEPA in & out
- 0.15%min €1
Additional fees may apply to SWIFT, currency exchange, virtual IBANs, payment investigations, returned payments, additional services and higher-risk account configurations.
What affects pricing?
- industry
- ownership structure
- company and operating jurisdictions
- expected monthly volume
- average and maximum transaction value
- acquiring settlement volume
- required currencies
- payment corridors
- number of account identifiers
- compliance complexity
- requested limits
Currency exchange pricing
The applicable exchange rate, service fee and amount to receive must be shown or communicated before a conversion is confirmed. Compare the complete executed rate rather than only a separately stated fee.
Compliance & transparency
Know who provides each service and how your funds are handled
Quppy is not a bank. Quppy provides the connected brand experience and technology. The applicable legal entity, institution issuing account details, entity holding or safeguarding funds, payment executor and regulatory framework must be identified in the customer agreement and service documentation.
Customer verification
- company verification
- director and beneficial-owner verification
- sanctions screening
- politically exposed person screening
- source-of-funds review
- source-of-wealth review where applicable
- adverse-information checks
- expected-activity assessment
- transaction monitoring
- payment-specific document requests
Payment reviews
A payment may be delayed, rejected, restricted or returned where required by applicable law, sanctions obligations, compliance policies, provider requirements, payment-network rules or incomplete or inconsistent information.
Fund treatment
Do not assume that funds held through a payment platform have the same protection as deposits held directly with a bank. The customer agreement must state the entity holding or safeguarding funds and whether any deposit-protection or compensation scheme applies.
Business availability
Applications are reviewed by company, service and jurisdiction
Companies registered inside or outside the European Union may apply, subject to supported jurisdictions, business activity, ownership structure, provider coverage and compliance approval. A willingness to review an application does not imply that the application will be approved.
Currencies, account identifiers, payment rails, settlement capability, transaction limits and crypto services can differ within the same country and must be shown separately.
Frequently asked questions
Check whether Quppy fits your business
Tell us where your company is registered, what it does, which currencies and payment rails it needs, how funds are received and sent, and whether you receive acquiring or platform settlements. We will use this information to assess eligibility and prepare an individual configuration.
Submitting information does not guarantee account approval. Services are subject to supported jurisdictions, onboarding, compliance review, provider availability and applicable terms.