Fintech & Payment Companies
Business accounts and payments for fintech companies
A client payment should not take an afternoon to identify. When your customer base grows, missing references and more incoming transfers can leave the finance team doing the same detective work every week.
Demivolt gives fintech and payment technology businesses a company payment account, a dedicated IBAN and tools to organise incoming and outgoing transfers. Receive your own service fees, pay suppliers and keep track of the money your business uses day to day.
Make incoming payments easier to match
Give customers your dedicated IBAN and a clear invoice reference. Funds reach your business account, while a consistent reference gives your finance team a clearer starting point for reconciliation. That matters most when customers use the same description for several payments.
Keep your operating account manageable
Use SEPA for supported euro transfers and international payment routes for overseas business expenses. Role-based account access lets you involve your finance team without giving everyone the same permissions. Use the account for your own operating income and expenses. Discuss any plans to handle other people's funds separately.
Example: matching service fees to customers
A payment software company could invoice each business customer monthly and ask them to quote the invoice number as the payment reference. The incoming transfer identifies the customer, and the finance team then allocates the amount against that customer's outstanding invoices.
FAQ
Frequently asked questions
Yes. A business payment account can be used to receive your company's service income and pay its suppliers and expenses. Describe those flows during onboarding so the account is set up for the activity you actually need.
Only if the payer includes it. If one customer has several unpaid invoices, you may still need the amount, payment reference or remittance details to allocate the receipt correctly. Identifying the payer and settling individual invoices are different steps.
Have your company and ownership information, a clear description of the service you sell, and an outline of expected incoming and outgoing payments ready. Include the countries, currencies and volumes involved, plus relevant authorisation details if your activity is regulated.
Make your operating payments easier to manage
Tell us how your business receives service fees and pays its suppliers. We will help you explore an account setup that fits those flows.
Products, account structures, payment routes and eligibility are subject to onboarding, compliance approval and availability.