Open & Manage Multi-Currency Accounts at Scale
Open and manage business accounts in multiple currencies, receiving payments from different platforms.
Faster Setup with Programmatic Control
at Lower Cost
Set up eligible multi-currency accounts programmatically, collect globally, and reconcile every transaction via API.
Open an account in minutes
Set up local and multi-currency accounts programmatically quickly, complete with account details. Start receiving domestic and international payments via local transfers or SWIFT without long onboarding delays.
Transparent pricing
Convert balances at competitive FX rates with no hidden fees. Manage transfer and FX costs through transparent pricing.
Streamline your global cash management
Hold and manage balances across multiple currencies. Convert balances across currencies in just a few clicks and view all transactions in a fully integrated platform.
Security and safeguarding controls
Keep money protected with technical security controls and safeguarding arrangements designed to meet relevant regulatory requirements.
Smarter Fund Flows That Work for You
PhotonPay automates payouts and reconciliation, giving you real-time visibility.
One dashboard for every balance
View accounts, ledgers, and balances across subsidiaries or entities in real time, switching by region, team, or project.
Flexible fund flows
Top up, receive, convert, and transfer between accounts easily. Match cash flows to your business model without extra friction.
Clear records for reconciliation
Generate clean statements, export transaction data, or connect directly via API. Simplify month-end closing.
Empower Your Platform with Embedded Accounts
Embed accounts to unlock new revenue and scale faster
Offer accounts to your users
Embed PhotonPay to let customers open, hold, and pay out from accounts in multiple currencies.
Scale onboarding and compliance
Leverage built-in KYC/AML checks and ongoing monitoring to handle account creation at scale to support applicable onboarding and compliance requirements.
Unlock new revenue streams
Combine accounts with payouts, FX, and issuing to build financial services into your platform and grow revenue.
Designed For Developers, By Developers
Integrate in a fraction of the time with our high-quality developer capabilities, libraries, and APIs.
Our comprehensive APIs can be tailored to suit your most complex requirements, all supported by our world-class technology.
Decrease time to market with pre-built components and elements or build natively with full API integration.
Account services are provided by the applicable PhotonPay Group entity and/or financial institution partner, depending on the programme, account type and jurisdiction.
