Insights on international payments and business accounts.
Opening a Business account costs up to 1,075 EUR and 50 EUR a month to maintain — a Personal account is free and costs 1 EUR. Here's exactly what drives the gap, and what doesn't move at all.
The fee schedule for a business account isn't one number — it depends on whether the account sits in the EU or outside it. A breakdown of what actually changes: account opening, monthly maintenance, minimum balance, and outbound transfers.
A breakdown of card fees on a high-risk business account: ATM withdrawals, POS charges, foreign exchange markup, and card limits — and why the Regular vs Active Spender tier changes the math.
Compliance audits, reference letters, and account confirmations are priced separately from transfer fees on a high-risk business account. Here's what they cost and when you'll need them.
High-risk merchant accounts can charge for holding a large balance, not just for moving it. Here's how the fee works, why it exists, and how to model it into cash flow.
Every declined card attempt carries its own fixed fee. Here's why crypto, gambling and forex see more declines, and what the fee actually covers.
Local payment methods in LATAM cost more than card acquiring — but the real comparison is approved revenue, not the headline rate.
OCT payout fees are priced separately from acquiring fees — and for gambling, forex and affiliate payouts, they add up fast.
Declines, refunds and chargebacks are priced completely differently. Here's why a proactive refund is usually the cheaper decision.
Currency exchange fees apply even to a fully successful payment. Here's how fiat and crypto conversion fees actually work.
How a rolling reserve actually works, why acquirers ask for it, and how to model it into cash flow planning instead of getting blindsided.
The chargeback ratio thresholds that trigger escalating fees, what actually drives disputes up, and how to keep the ratio down.
A plain-language breakdown of how SEPA and SWIFT payment rails differ, and what that means for settlement time and fees on a business account.
What actually determines merchant account approval for iGaming operators, realistic timelines, fee structures, and red flags that kill applications.
Why traditional banks avoid crypto businesses, what a genuinely crypto-friendly account needs to offer, and how licensing requirements actually work.
Why forex brokerage banking is different from a normal business account, and how SEPA, SWIFT and EMI status actually fit together.
Traditional banks score entire industries as high-risk, not individual businesses. Here's why, and what actually works instead.
Why crypto, gambling and forex get grouped as high-risk for card acquiring, what underwriters actually check, and how chargebacks drive pricing.
What non-resident actually means for account opening, why traditional banks make it hard, and the practical steps to get a working account.
Why dating platforms get declined by standard payment processors, and what a working recurring-billing setup actually needs.
