Business IBANs and accounts for high-risk
For high-risk businesses we facilitate business IBANs and accounts through our licensed European partners. Useful when a business account is hard to get elsewhere, or when you want your acceptance and your settlement in one place. We also arrange a European IBAN for the Spanish market. So you do not have to shop around across different parties.
What we facilitate
An IBAN is the international account number you use to receive payments and settle funds. A business account with a European IBAN gives you a fixed point where your revenue arrives. We arrange this through our licensed partners, so that you have a workable business account as a high-risk business too.
LunaPay facilitates these business IBANs and accounts through licensed partners. LunaPay does not issue accounts or IBANs itself and makes no claim to holding its own banking licence. The licence and the account sit with the partner; we arrange access and guidance.
What you get
Business IBAN
A European IBAN through our licensed partners, where your revenue arrives.
Acceptance and settlement in one place
Your card acceptance and your settlement run together, clear and without separate parties.
Settlement to your account
Depending on your package, in some cases the next business day.
For the Spanish market too
For businesses and associations in Spain we also arrange a European IBAN.
Guidance at onboarding
With a clear checklist, so you know what to provide.
For which businesses
Business IBANs and accounts are for high-risk businesses that struggle to get a business account elsewhere, and for anyone who prefers to keep acceptance and settlement in one place. For cannabis social clubs in Spain this is part of the complete Spain package.
Secure and compliant.
We work exclusively with regulated, licensed European acquiring partners. Your payments run over certified infrastructure, with PCI DSS for handling card data, 3-D Secure and SCA under PSD2 for strong customer authentication, and careful AML and KYC checks at onboarding. That keeps your acceptance not only stable, but demonstrably in order.
Live in three steps.
Book a video call
In a short video call of around 15 minutes we go through your situation, your volume and a start date. No strings, and no visit needed.
Send your documents
You get a clear checklist and an upload link. We think along and keep it simple.
Go live and get paid
After approval we set everything live. Ready to get paid.
Worry-free payments at a sharp rate.
Sharp, competitive rates on transparent IC++, with no surprises, and the certainty of multiple acquirers behind the scenes. What it means for your sector depends on your volume and your profile.
Frequently asked questions
Do I need my own business account or IBAN?
Not necessarily. We facilitate business IBANs and accounts through licensed partners, including a European IBAN for the Spanish market.
Does LunaPay issue an account or IBAN itself?
No. We facilitate these through our licensed European partners. The account and the licence sit with the partner.
Why is a business account hard for high-risk?
Banks are cautious with high-risk sectors. Through our partners we arrange it anyway.
Can I keep acceptance and settlement in one place?
Yes, that is exactly the benefit: your card acceptance and your settlement run together.
Do you also arrange an IBAN for Spain?
Yes, for the Spanish market too we facilitate a European IBAN through our partners.
How fast do I get settled?
Depending on your package, in some cases the next business day.
High-risk? No-problem.
Request your personal proposal and find out what we can arrange for business IBANs and accounts.