BaaS Platform - Banking-as-a-Service for Specialist Verticals

Products

Everything You Need to Accept Payments

Modular infrastructure — use what you need, skip what you don't.

💳

Card Acquiring

Accept Visa, Mastercard, and Amex for remittance and money transfer (MCC 6012).

3D Secure 2.2 with liability shift
GBP, EUR, USD settlement
T+1 FPS settlement (GBP)
Specialist MCC expertise

🏦

Payout Rails

Send money to beneficiaries via FPS, SEPA, and SWIFT.

Faster Payments (UK) — instant
SEPA Credit Transfer — T+1
SEPA Instant — 10 seconds
SWIFT — global reach

🔐

KYC & Compliance

Onboard customers and stay compliant with built-in verification.

Identity verification (KYC)
Business verification (KYB)
Real-time AML screening
PEP & sanctions checks

📊

Multi-Currency Ledger

Track balances, transactions, and settlements in real-time.

Double-entry accounting
Multi-currency support
Real-time balance queries
Webhook notifications

₿

Crypto Off-Ramp

Convert USDT/USDC to fiat and settle to bank accounts.

USDT & USDC supported
Real-time quotes
Competitive FX rates
Same-day settlement

⚡

Instant Notifications

Real-time webhooks for every event in your payment flow.

Payment status updates
Settlement confirmations
Compliance alerts
HMAC-signed payloads

Pricing

Simple, Transparent Pricing

No hidden fees. Volume discounts available.

Startup

£2,500/month

For new operators processing up to £500k/month

Card acquiring (1.20% + £0.10)
FPS payouts (£0.30/tx)
SEPA payouts (€0.50/tx)
KYC checks (£2.00/check)
100 API calls/minute
Email support

Get Started

Growth

£7,500/month

For established operators processing £500k-£5m/month

Card acquiring (0.95% + £0.08)
FPS payouts (£0.20/tx)
SEPA payouts (€0.35/tx)
KYC checks (£1.50/check)
1,000 API calls/minute
Slack + SLA support

Get Started

Enterprise

Custom

For large operators processing £5m+/month

Interchange++ pricing
Volume-based payout rates
Dedicated account manager
Custom SLA
Unlimited API calls
On-premise option

Contact Sales

Card Acquiring Rates (Remittance MCC 6012)

Card Type	GBP	EUR	USD
Visa/MC Debit	0.95% + £0.08	0.80% + €0.08	1.20% + $0.12
Visa/MC Credit	1.80% + £0.08	1.50% + €0.08	2.20% + $0.12
Amex	2.40% + £0.08	2.20% + €0.08	2.70% + $0.12

* Growth tier rates shown. 3D Secure mandatory. Rolling reserve applies.

Developer Experience

Built for Developers

RESTful APIs, SDKs, and comprehensive documentation.

One Integration, All Services

Connect once to our BaaS API and access card acquiring, payouts, KYC, and compliance through a unified interface.

✓ OpenAPI 3.1 specification
✓ Node.js & Python SDKs
✓ Sandbox environment
✓ Idempotency keys
✓ Webhook signatures

┌────────────────────────────────┐ │ Your Application │ └───────────────┬────────────────┘ │ HTTPS ▼ ┌────────────────────────────────┐ │ Currency Clear BaaS API │ │ api.currencyclear.com │ ├────────────────────────────────┤ │ • Partner Auth (API Keys) │ │ • Rate Limiting │ │ • Request Logging │ └───────────────┬────────────────┘ ┌───────┼───────┐ ▼ ▼ ▼ ┌──────┐ ┌──────┐ ┌──────┐ │Cards │ │Payout│ │ KYC │ │Card │ │ FPS │ │ AML │ │Acqng │ │ SEPA │ │Screen│ └──────┘ └──────┘ └──────┘

// Create a payment
POST /v1/payments
X-API-Key: bnk2_live_xxxxxxxxxxxxxxxx
Idempotency-Key: unique-request-id

{
  "amount": 15000,           // £150.00 in pence
  "currency": "GBP",
  "mcc": "6012",              // Money transfer
  "card": {
    "number": "4111111111111111",
    "expiry": "1225",
    "cvv": "123"
  },
  "billing": {
    "name": "John Smith",
    "email": "[email protected]",
    "country": "GB"
  }
}

Banking Infrastructure for Specialist Verticals