FCA-Registered Payment Infrastructure for Business

Stop Stitching Together Payment Infrastructure

Regulated fiat payment rails, multi-currency accounts, settlement, onboarding and compliance — one provider instead of six vendor contracts and months of integration work. Card acquiring is provided with our authorised acquiring partners.

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The Problem

Building a payment stack is broken

Most companies trying to offer payment services spend more time integrating vendors and chasing licences than building their actual product.

Fragmented Infrastructure

Acquiring from one provider. Issuing from another. Settlement via a third. FX from a fourth. Each with its own API, contract, compliance requirements and support team. You become the integration layer.

Regulatory Overhead

FCA authorisation takes 12–18 months. EMI applications longer. Meanwhile you need KYC/KYB flows, AML screening, transaction monitoring, SAR filing and ongoing compliance reporting — all before your first transaction.

Slow Time to Market

By the time you have integrated your payment stack, onboarded your first merchants and gone live with compliance, your competitors have already shipped. The market does not wait for your vendor contracts to close.

Market Context

Good at one thing. Gaps everywhere else.

The big platforms each solve part of the problem. None of them solve the whole thing.

What exists today

× Stripe & Adyen do acquiring — but not the settlement rails and multi-currency accounts you control
× Modulr & Banking Circle do accounts & payments — but no card acquiring or issuing capability
× Marqeta & Thredd do card issuing — but no acquiring, no payment rails, no FX
× Compliance platforms do KYC & AML — but are disconnected from your payment flows
× Core banking platforms provide ledgers — but no regulated rails, no merchant onboarding

What Currency Clear delivers

✓ Regulated fiat payment rails and multi-currency accounts from one provider; card acquiring with authorised acquiring partners
✓ SWIFT, SEPA, ACH and local payment rails through a single integration
✓ Full merchant onboarding with automated KYC/KYB via Plato KYX decision flows
✓ AML screening, transaction monitoring and compliance reporting built in
✓ BIAN-aligned core banking with multi-currency ledgers and real-time settlement
✓ FCA-registered Small Payment Institution — regulated fiat payment services for your business

The Solution

One provider. Complete payment infrastructure.

Currency Clear combines regulated fiat payment rails, multi-currency accounts, settlement, merchant onboarding and compliance automation into a single platform, with card acquiring provided through our authorised partners. Integrate once, launch in weeks, scale without switching providers.

Integration to go live

30+

Currencies supported

T+0

Settlement capability

FCA

Registered SPI & SWIFT BIC

Platform Modules

Modular by design. One platform.

Every module works standalone or together. Use what you need today, activate the rest when you are ready.

Acquire

Card Acquiring

Visa, Mastercard and international schemes, provided with our authorised acquiring partners. PCI-compliant processing, multi-currency settlement, chargeback management and real-time reporting; Currency Clear provides the regulated payment and settlement component.

Rails

Payment Rails

SWIFT, SEPA, ACH and local rails via a single API. Send and receive across G10 corridors with full fee transparency and real-time settlement.

FX & Multi-Currency

Institutional FX rates with same-day settlement. Named multi-currency accounts with unique IBANs for collecting, holding and paying out in 30+ currencies.

Onboard

Merchant Onboarding

End-to-end digital onboarding. Application intake, document collection, automated KYC/KYB, risk scoring, compliance review and approval — all in one workflow.

Comply

KYX & Compliance

Powered by Plato KYX decision flows. Automated identity verification, document checks, AML screening, PEP/sanctions lists, adverse media, UBO resolution and ongoing monitoring.

Core Banking

Ledger & Settlement

BIAN-aligned core banking. Multi-currency general ledger, real-time posting, automated reconciliation, T+0 settlement and event-driven architecture.

Monitor

Risk & Monitoring

Transaction monitoring, velocity checks, fraud scoring, web forensics, chargeback tracking and SAR filing. Continuous compliance from onboarding through every transaction.

Onboarding & Compliance

Full onboarding. Automated compliance. One flow.

From application to live merchant in days, not months. Our onboarding platform handles every step — powered by Plato KYX decision flows for automated verification and risk decisioning.

Application

Digital intake form. Company details, directors, UBOs, processing volumes, MCC.

KYC / KYB

Automated identity verification, document checks, corporate registry lookups via Plato KYX.

Risk & AML

PEP & sanctions screening, adverse media, UBO resolution, risk scoring and web forensics.

Underwriting

Automated decisioning with manual review escalation. Pricing, limits, reserves configured.

Go Live

Merchant account activated. API keys issued. Settlement configured. Processing starts.

Plato KYX Decision Flows

Configurable decision flows that automate KYC/KYB verification, risk scoring and compliance checks. Rules-based routing sends applications through the right verification path based on risk tier, jurisdiction and business type.

Document Intelligence

Automated document collection, classification and extraction. Certificate of incorporation, proof of address, director ID, bank statements and processing history — validated and stored with full audit trail.

Ongoing Monitoring

Onboarding is not the end. Continuous AML screening, periodic KYC refresh, transaction monitoring, chargeback ratio tracking and web forensics keep your merchants compliant through the lifecycle.

How It Works

From first call to live in weeks

We handle the regulatory complexity so you can focus on building your product.

Scope

We map your payment flows, volumes and corridors. You tell us what you need — payment rails, accounts, acquiring, onboarding, or everything.

Onboard

KYB, compliance and due diligence handled by our team and automated via Plato KYX. Merchant accounts and settlement configs provisioned.

Integrate

Connect via REST APIs or hosted checkout. Sandbox environment for testing, dedicated integration support until go-live.

Scale

Go live and grow. Add corridors, card programmes and currencies as your business scales. We grow the infrastructure with you.

Impact

What changes when you stop building infrastructure

Companies that switch to Currency Clear stop managing vendor sprawl and start shipping product.

Weeks

Faster integration

Integrate regulated fiat payment rails through a single provider. Where your own activities require their own authorisation or registration, you remain responsible for obtaining it.

3–5 vendors

Replaced by one integration

Payment rails, accounts, acquiring, FX, compliance and onboarding from a single provider. One contract, one API, one support team.

Days, not months

Merchant onboarding time

Automated KYC/KYB via Plato KYX, digital document collection and rules-based decisioning. From application to live processing in days.

Who We Serve

Built for businesses that move money

Our infrastructure is designed for companies that need regulated payment rails without the cost and time of building their own.

Fintechs & Neobanks

Launch payment accounts and remittance products on our regulated fiat rails. We provide the payment infrastructure; you remain responsible for any authorisations your own product requires.

PSPs & Payment Facilitators

Plug into our acquiring and settlement infrastructure. Multi-currency merchant onboarding, split settlements and real-time payouts for your sub-merchants.

MTOs & Remittance Companies

Access SWIFT, SEPA and local rails through a single API. White-label our platform or integrate our corridors into your existing remittance product.

Marketplaces & Platforms

Embed payments into your platform. Collect from buyers, hold in escrow, split and pay out to sellers — all through our regulated accounts.

SaaS & Vertical Software

Add payments as a feature. Collect subscription and platform payments through regulated fiat rails, with each party responsible for its own regulatory permissions.

Banks & Financial Institutions

Modernise legacy payment infrastructure. Our core banking ledger and rules engine integrate alongside existing systems for payments, FX and cross-border capabilities.

Banking-as-a-Service

BaaS Infrastructure for Specialist Verticals

Purpose-built API-first infrastructure for EMIs, PSPs and platforms serving remittance and FX sectors. Full compliance stack included.

Acquire

Card Acquiring

Card acquiring for MCC 6012/4829 remittance transactions, provided with our authorised acquiring partners. Visa, Mastercard, Amex. Three pricing tiers with competitive rates; Currency Clear provides the regulated payment and settlement component.

Payout Rails

FPS & SEPA Payouts

CurrencyClear-powered GBP (FPS T+1) and EUR (SEPA T+2) payouts. ISO 20022 compliant with full payment status tracking and webhook notifications.

Compliance

KYC & AML Engine

Integrated md-kyx for identity verification, document checks, PEP/sanctions screening, and transaction monitoring. Real-time AML decisions via API.

Ledger

Multi-Currency Accounts

BIAN-aligned ledger-as-a-service. Named accounts in GBP, EUR, USD with real-time balance, transaction history, and reconciliation APIs.

Developer

API-First Platform

RESTful APIs, Node.js & Python SDKs, webhook events, sandbox environment. Ship your payment product without building infrastructure.

Explore BaaS Platform Talk to Sales

Our Ecosystem

A connected platform, not a point solution

Currency Clear operates within a connected ecosystem of payment, acquiring and settlement platforms — each purpose-built for a specific part of the payments value chain.

WireSettle

White-label remittance platform for licensed MTOs. Collect, route, and pay out across G10 corridors with enterprise-grade compliance.

Learn more →

eMerchantly

Global merchant acquiring and payment processing. End-to-end onboarding, risk management and multi-currency settlement for international merchants.

Learn more →

PaymentsEdge

Compliance, risk and underwriting platform. AML screening, merchant due diligence, and ongoing monitoring for regulated entities.

Learn more →

Settle.Cloud

Real-time settlement platform with ISO 20022 compliance. Streamlined financial transactions through standardised settlement protocols.

Learn more →

W3G8

Composable core banking platform. Payments, ledgers, settlement, FX and compliance across SWIFT, SEPA, ACH and local rails.

Learn more →

Get Started

Stop building payment infrastructure. Start shipping product.

Whether you need regulated fiat payment rails, multi-currency accounts, merchant onboarding or cross-border settlement — we provide the regulated payment infrastructure and compliance automation so you can focus on your product. Card acquiring is provided with our authorised acquiring partners.

Talk to Our Team Learn About Us