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Your business is built on payments in and payments out, so you need an account infrastructure that scales with you. With smartIBAN, open a master wallet and issue Virtual IBANs for every customer, vendor, or transaction, and automate reconciliation to streamline your payments.
Assign a unique IBAN to every customer, invoice, or transaction, making fund tracking effortless.
Operate seamlessly across 27 EU countries with local IBANs, eliminating payment friction.
Automate reconciliation and receive instant payment notifications for unmatched financial oversight.
Attach multiple IBANs to a single wallet, simplifying money management across different clients, orders, or transactions.
Use case: A marketplace assigns a Virtual IBAN to each merchant, ensuring direct and automated payment tracking.
Expand internationally with built-in currency exchange and multi-currency support.
Use case: An eCommerce platform collects payments in CHF, converts them to EUR, and pays suppliers instantly.
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Turn your platform into a financial hub by offering local IBANs to users.
Use case: A gig economy platform provides freelancers with local IBANs, enabling faster payouts.
Smart payments are about more than just transactions, they’re about control, automation, and trust. Virtual IBANs give businesses the power to streamline global payments and optimize cash flow like never before.
Receive real-time alerts when payments arrive, ensuring seamless reconciliation and faster order fulfillment.
Use case: An invoicing platform automatically updates payment status as soon as funds are received.
Automate complex financial workflows by setting rules on how payments are received, split, and allocated.
Use case: A fleet management company receives payments from Uber and automatically splits revenue between drivers and the company.
Securely receive and process payments through local IBANs across 27 European markets, increasing buyer trust and conversion rates.
Use case: A subscription service offers local IBANs in multiple European countries, leading to higher customer trust and faster payments.
Why smartIBAN?
smartIBAN Virtual IBANs
AUTO match payments to invoices
Low SEPA fees
27 Local EU IBANs, no IBAN discrimination
Real-time API alerts for seamless tracking
20+ currencies for cross-border transactions
Traditional IBANs
Manual tracking & delays
High card fees (2-5%)
Limited to specific countries
Slow, manual confirmation
Limited, costly currency conversions
How it works
Streamline global payments with local IBANs, instant alerts, and automated compliance—all through one intuitive platform.
Generate IBANs: Assign dedicated IBANs for invoices, clients, or users.
Receive Payments: Accept payments via SEPA, SWIFT, and local bank transfers.
Automate Reconciliation: Match payments in real-time via API or UI.
Manage Money Flows: Route, split, and settle funds based on your business logic.
Transform your network of wallets into a streamlined Payment Ops powerhouse. Gain full visibility, reduce costs, and optimize financial flows with precision.
