Overview
payabl., at a glance.
payabl. is an e-money institution headquartered in Cyprus, regulated by Central Bank of Cyprus, FCA. Pricing is agreed with each client. Opening an account takes 3–5 days.
Funds are held in designated safeguarded bank accounts, separate from the company's operating funds. They are not covered by deposit insurance.
Why businesses pick payabl.
- Account, cards and card acceptance from one licensed group
- 30 currencies, including EUR, GBP and USD
- Licensed in Cyprus and the UK
- A dedicated account manager
Watch out for
- Account prices and the exchange margin are not published
- Cards cost €5 a month, and €15 a month after three months without use
- Card spending in other currencies costs 3%
- Accepted countries are not published
Business fit
Will payabl. accept your business?
Four quick answers. Where your company is registered and what it does rule a provider in or out faster than anything else.
Based on payabl.'s published rules
Needs review
payabl. works with Online and in-person merchants, but does not publish the countries it accepts companies from.
payabl. does not publish a minimum company age or turnover, so those two answers are not checked here.
This is one provider. Your profile checks all of them.
- Every provider that fits your business
- The reason behind each match
- Company age and turnover checked too
Who it works with
Accepted and not accepted.
What payabl. publishes about the businesses it takes on.
Who payabl. serves
- E-commerce
- Video games
- Creative
- Professional services
- Startups and SMEs
All 9 industries on payabl.'s accepted list
- Online and in-person merchants
- Startups
- Scale-ups
- Established businesses
- Creative agencies
- Game development and publishing
- International finance teams
- Professional services
- Multi-location operations
Not supported
Industries and countries payabl. does not accept, from its own published lists.
Industries
- Sweepstakes, gambling, sales or trading
- Copyright infringement
- Testing other financial-service providers or generating transactions to benefit from another provider’s loyalty offers
- Discrediting individuals or legal entities
- Activity likely to lead to complaints, disputes, refunds or other obligations
- Receiving or sending funds obtained by fraud or in violation of law
- Any activity violating applicable law or regulation
- Card-to-card transfer services
- Virtual-asset mixers, tumblers or anonymity-enhancing services
Countries
- Not published
Coverage
Where can you use payabl.?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
30 currencies
EUR, GBP, USD and 27 more.
Payment reach
Not published
Who can apply
Company incorporation countries
Not publishedOwner nationality
Not publishedOwner residency
Not publishedCompany types
Not publishedPricing
What does payabl. cost?
Look beyond the monthly fee. Your total cost depends on how many transfers you make, where they go and how much you convert.
Account cost
Opening fee
Not published
Monthly fee
Not published
Business account
Custom
Transaction fees
Other fees
Cards
| Cost | Listed amount | How it is charged |
|---|---|---|
| Monthly card fee | €5 | Fixed fee · €15 a month after three months without use |
| Card FX | 3% | Percentage of the amount |
| ATM withdrawal | 2.5% + €5 | Percentage plus a fixed fee · In a foreign currency |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Apply online
Start the digital onboarding.
- 2
Company details
Give the company, its owners and what it does.
- 3
Documents
Upload the company and identity documents.
- 4
Account live
payabl. says onboarding takes days, not weeks.
Documents you need
- Government-issued photo ID
- Proof of residential address dated within three months
- Biometric/liveness verification when requested
- Company and authorised-user KYC information; exact incorporation/UBO checklist not published
FAQ
Your questions, answered.
Is payabl. a bank?
No. Payabl. CY Limited is licensed by the Central Bank of Cyprus, and PAYABL. (UK) LIMITED is an e-money institution authorised by the FCA. Funds are safeguarded, not covered by deposit insurance.
How much does a payabl. business account cost?
Account prices are not published. The business card costs €5 a month, and card spending in other currencies costs 3%.
Which currencies does payabl. support?
30 currencies: EUR, GBP, USD and 27 more.
Does payabl. offer cards?
Yes. Virtual and physical Mastercard business debit cards.
What can the payabl. account not be used for?
Its terms exclude gambling and sweepstakes, card-to-card transfer services, virtual-asset mixers, and any activity that breaks the law.
Alternatives
How payabl. compares.
If payabl. is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 payabl.This pageE-money institution |   | 30 currenciesMastercard cards |
 ECOMMBXE-money institution | | Named IBANInternational companies |
 ConnectPayE-money institution |  | 80+ currenciesOnline businesses |
 Checkout.comE-money institution |  | Enterprise paymentsCard issuing |
 Wise BusinessE-money institution |  | Low FX costsStandard businesses |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.