Money in six markets.
One place to hold it.
An e-money account holds balances in the currencies you trade in. Electronic money, payable back to you on demand. You take payment in one market and pay a supplier in another. No forced conversion in between.
- PCI DSS Level 1
- 3-D Secure 2
- GDPR-compliant
- WCAG AA
Four jobs this account does well.
Merchants open it for one reason and keep it for four. Here is what it carries once your money starts moving in more than one direction.
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Hold several currencies
Keep a balance in each currency you sell in. You choose when to convert. Nothing is forced into your home currency on the way in.
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Pay out across borders
Send money to suppliers and staff abroad. Pay from the balance you already hold. Fewer conversion steps means fewer surprises.
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Receive your settlement
Card settlement from your merchant account can land straight here. The takings and the spending sit in one place.
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Keep the trail clean
Every movement carries a reference your finance team can match. Month-end reconciliation stops being a hunt.
E-money account or current account?
They are not rivals. Most trading merchants end up holding both. The table below is the short answer. Your account manager gives the long one.
| E-money account | Current account | |
|---|---|---|
| Main job | Hold and move balances across currencies | Run day-to-day company money |
| Best for | Cross-border and multi-market selling | Local suppliers, payroll and bills |
| Currencies | Several balances side by side | Your main trading currency |
| Pairs with | Merchant account and gateway | Payment cards |
| Typical trigger | You sell in more markets than you bank in | The company starts trading |
Opening it, start to finish.
Four stages. We tell you what each one needs before it starts. That is the whole reason our onboarding moves quickly.
- Cross-border e-commerce
- Subscription and digital goods
- Marketplaces
- Travel and ticketing
- New online ventures
- Wholesale and B2B sellers
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Tell us how money moves
Where you sell, where you pay and what you settle. One short form starts it.
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We check the file
Standard know-your-customer checks on the company and its owners. We list every document up front.
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Balances open
Your currency balances go live. Details for each one arrive together, not in drips.
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Wire it to the rest
Point settlement here. Add cards for spend. Your account manager stays on the file.
Questions merchants ask first.
Five straight answers. If yours is not here, ask us directly. We would rather say it plainly than bury it in the fine print.
Is this a bank account?
No. It is an e-money account — electronic money held for you and payable back on demand. It moves money and holds balances. It is not a lending product.
Can I use it without a merchant account?
Yes. Plenty of merchants open it on its own. It gets more useful once card settlement flows into it.
Which currencies can I hold?
That depends on where you trade and what your file supports. Tell us your markets. We will confirm the list before you apply.
How long does opening take?
Most of the wait is document gathering. We send the full checklist first, so nothing stalls halfway.
Who do I speak to after it opens?
A named account manager. The same person who ran your onboarding, not a queue.
Tell us your markets. We will map the balances.
One short form, then a call with someone who can answer on the spot. No demo required.