Who can apply for Quppy Business?

Companies registered inside or outside the European Union may be considered for Quppy Business, subject to supported jurisdictions, business activities, ownership structures and provider requirements. Every application is assessed individually. Submitting an application does not guarantee approval or access to any particular currency, rail, account identifier or crypto service.

Última revisão em 2026-08-21

Article facts

Field	Visible value
Applicant	A legally registered company or other approved legal entity
EU registration required	No, not necessarily
Individual review	Required
Approval guarantee	No
Industries	Subject to risk appetite and provider policy
Jurisdictions	Company, owners, customers and counterparties are reviewed
Merchant applications	Additional acquiring and settlement information may be required
Last reviewed	2026-08-21

Which types of companies may be considered?

Applications may be considered from:

online and offline merchants;
e-commerce businesses;
professional-service companies;
software and digital-service providers;
importers and exporters;
holdings and multi-entity groups;
companies paying international suppliers or contractors;
businesses requiring supported EUR, GBP or USD functionality;
companies receiving acquiring, marketplace or platform settlements.

This is not an exhaustive approval list. A company that fits one category can still be declined if its jurisdiction, activity, ownership, documentation or proposed payment flow is unsupported.

What does Quppy review?

The review can consider:

legal structure and registration status;
directors, authorised representatives and beneficial owners;
industry and business model;
products and services;
company, customer and counterparty jurisdictions;
expected incoming and outgoing payments;
source of funds and, where relevant, source of wealth;
transaction volumes and values;
acquiring or payment-provider relationships;
licences or regulatory obligations;
public adverse information;
consistency with provider and payment-network rules.

What additional information may merchants need to provide?

A merchant may be asked to explain:

how customer payments are accepted;
which acquirers, PSPs, facilitators or marketplaces are used;
expected settlement currencies and volumes;
average and maximum transaction values;
refunds, chargebacks and reserves;
fulfilment and delivery model;
customer countries;
websites, stores and brands;
settlement statements and acquiring agreements.

Which activities may be restricted?

Quppy or an underlying provider may decline activity that is:

prohibited by law;
connected with sanctioned or unsupported jurisdictions;
outside the provider’s risk appetite;
inconsistent with payment-network rules;
not supported by the requested account configuration;
insufficiently documented;
materially different from the activity declared during onboarding.

The definitive restricted-activity rules must be contained in the current customer terms or a separately approved policy.

How can I prepare before applying?

Prepare a clear description of your business, ownership, products, markets, payment flows and expected volumes. Make sure company records are current and that contracts, invoices, statements and licences match the activity described.

FAQ

Can a company outside the EU apply?

Yes. Companies inside or outside the European Union may apply, subject to supported jurisdictions and individual compliance approval.

Can a newly incorporated company apply?

It may apply, but the review may require a business plan, contracts, funding evidence and other information showing the intended activity.

Can online and offline merchants apply?

Yes, where the business model, jurisdictions, acquiring relationships and expected settlement activity are supported.

Does applying guarantee approval?

No. The application starts an assessment and does not guarantee an account offer.

Why can two similar companies receive different outcomes?

Ownership, jurisdictions, counterparties, volumes, providers, documentation and risk factors can differ even when the businesses appear similar.

Can additional documents be requested?

Yes. The requested evidence depends on the company and proposed payment activity.

Can eligibility change after approval?

Yes. A material change in ownership, activity, jurisdictions or transaction profile can require a new review or a change to available services.

Explanatory note

This article explains the intended or current Quppy Business configuration. The individual customer offer, applicable Quppy and provider agreements, approved account settings and information shown in the Business dashboard prevail if they differ from this article.

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Business accounts

How does Quppy Business onboarding work?

Quppy Business onboarding is completed online and normally includes a company application, corporate documents, verification of directors and beneficial owners, evidence of business activity and a compliance review. Approved companies receive an individual offer describing the currencies, account details, payment rails, limits, pricing, permitted use, providers and terms available to them. The timeline depends on the company and completeness of the information.

Business accounts

Which company documents may be requested?

Quppy Business may request corporate records, ownership and director information, identity documents, proof of address, licences and evidence of business activity. The exact list depends on the company’s jurisdiction, entity type, ownership structure, industry, requested services and expected payment flows. Additional documents may be requested during the review.

Business accounts

Why is every Quppy Business application reviewed individually?

Every Quppy Business application is reviewed individually because the legal, ownership, jurisdictional and payment risks of each company are different. The review determines whether the company can be supported and, if approved, which currencies, rails, identifiers, limits, pricing and services can be included. Submission does not guarantee approval.

Business accounts

What is Quppy Business?

Quppy Business is the business-payment experience developed under the Quppy brand for eligible legal entities. Depending on the company’s approved configuration, it may provide access to EUR, GBP and USD balances, supported payment rails, dedicated or virtual account identifiers and merchant-settlement flows. Quppy provides the connected technology and user experience; the legal entities providing payment or crypto services are identified in the customer offer and applicable agreements.