BUSINESS ACCOUNTS · CARDS · SETTLEMENTS

International payment infrastructure for business

Business accounts, corporate cards and cross-border settlements for international companies. Your fee is confirmed in writing before you start.

USD settlements run via ACH, Wire and SWIFT, EUR via SEPA, with partner banks SSB Bank, Portage Bank and ClearBank.

Eligibility reviewed for each business · A named manager · Fee quoted in writing
BUSINESS ACCOUNT · USD & EUR
$482,910.42
EUR balance €84,200.00
Client payment · ACHSETTLED+$18,900.00
Contractor payouts · SEPASETTLED−€9,400.00
Corporate card · ad spendSETTLED−$2,140.00
Illustrative example
SOLUTIONS

Built for companies with international payment flows

Choose the scenario closest to yours.
PARTNER & CONTRACTOR PAYOUTS

Teams that pay partners worldwide

Pay partners and contractors across borders, cover ad spend with a corporate card and keep clean records.
Explore →
AGENCIES & SAAS

Agencies with clients abroad

Receive international client payments and pay contractors abroad from one account.
Explore →
E-COMMERCE SETTLEMENTS

Sellers with cross-border revenue

Receive marketplace and platform revenue in a business account in USD or EUR. We don't process card payments on your website.
Explore →
INSIDE THE ACCOUNT

One dashboard for accounts, cards and payments

  • Balances in USD and EUR
  • Corporate VISA cards for team spend
  • Payment orders and counterparties in one place
Your companyOWNERHomeTeamCardsCardsCardholdersAccountsPaymentsOrdersCounterpartiesHomeMove moneyTOTAL BALANCE$482,910.42USD and EUR accountsINCOMING · THIS MONTH$186.4K42 paymentsCARD SPEND$24,310.00118 transactionsORDERS3836 doneRecent paymentsClient invoiceSEPA incoming+€8,400.00Contractor payoutSWIFT−$5,200.00CardTeam subscriptions−$1,180.00SettlementUSDT to USD+$12,400.00Partner payoutACH−$3,950.00Assets$482,910.42$USDUS dollar$389,640.00€EUREuro€84,200.00≈ $93,270.42Illustrative example
Illustrative example
WHAT ARTPAY PROVIDES
  • Multi-currency business account
    USD and EUR balances in one company account.
  • Corporate VISA cards
    Cards for team spend, subscriptions and ad budgets, for eligible businesses.
  • USD via ACH and Wire
    US dollar payments in and out, through SSB Bank.
  • SWIFT transfers
    International USD payments through Portage Bank.
  • EUR via SEPA
    Euro payments in and out, through ClearBank.
  • USD–EUR conversion
    A fixed fee, confirmed in writing before activation.
  • Digital-asset settlement
    Paid in USDT? Settled to USD or EUR on your business account.
  • Named manager
    One contact from KYB to daily payments.
ROUTES, NOT RATES

Tell us your route. Get your fee in writing.

Tell us where the money comes from, where it goes and your monthly volume. Your manager sends a written fee quote before activation.

Banking partners

SSB Bank
USD · ACH and Wire
Portage Bank
USD · SWIFT
ClearBank
EUR · SEPA
PRODUCT TOUR

See the ArtPay business account

A one-minute walk through accounts, cards, payments and team access in the ArtPay dashboard.

Recorded in the ArtPay dashboard with test data. Some details are blurred.

Receive EUR via SEPA and USD via ACH and Wire. Accounts run through SSB Bank, Portage Bank and ClearBank.

HOW IT WORKS

From first request to first payment

STEP 01
Apply
Send a short request. Our team follows up and books a call with you.
STEP 02
Verify your business
You get a clear document list. We verify your business and run ongoing reviews as required.
STEP 03
Start operating
Receive payments, pay out and use your corporate card. Your fee is confirmed in writing before activation.
Timeframes depend on your business profile. See how onboarding works →

Who ArtPay is for

✓Partner networks and performance agencies paying partners across borders
✓Agencies, SaaS and IT service companies with clients and contractors abroad
✓E-commerce sellers collecting marketplace and platform revenue

Not a fit

Individuals without a registered company
Businesses that need card acquiring on their website
GUIDES FOR FINANCE TEAMS
CROSS-BORDER SETTLEMENTS
Intermediary bank fees: why an international wire arrives short of what you sent
CROSS-BORDER SETTLEMENTS
OUR, SHA and BEN: who pays the charges on an international wire
COMPLIANCE AND ONBOARDING
Source of funds and purpose of payment: the documents a bank asks for on an incoming international payment
COMPLIANCE AND ONBOARDING
A bank closed your business account: what breaks first and how a company restores payment continuity
CROSS-BORDER SETTLEMENTS
You invoiced in USD and the client paid in USDT: how a company settles that revenue
COMPLIANCE AND ONBOARDING
Revenue received in USDT or USDC: the records a finance team and a bank may ask for
FINANCE TEAM GUIDES
How cross-border e-commerce settlement works
PARTNER PAYOUTS
Paying creators, publishers and contractors in other countries
AGENCIES & SAAS
International payments for a marketing agency: client budgets, ad spend and creator payouts
FINANCE TEAM GUIDES
Outbound payments, accounts payable and settlement: a vocabulary for an international finance team
CROSS-BORDER SETTLEMENTS
Marketplace payouts: how a seller settles platform revenue to a business account
FINANCE TEAM GUIDES
Opening a business account for an international company: what the review asks for
CROSS-BORDER SETTLEMENTS
Cross-border settlements for international companies: ACH, Wire, SWIFT and SEPA explained
PARTNER PAYOUTS
Paying partners and contractors in several countries: how finance teams run payout day
AGENCIES & SAAS
Receiving international client payments: what agencies and SaaS companies should set up
FINANCE TEAM GUIDES
Choosing a payments provider for an international company: a CFO's checklist

Questions

Is ArtPay a bank?

No. ArtPay provides international payment infrastructure for business: business accounts, corporate cards, cross-border settlements and currency conversion, and it does not hold a banking licence. Funds settle to company bank accounts through partner banks: SSB Bank and Portage Bank for USD, ClearBank for EUR.

Who can open an account with ArtPay, and who is turned down?

Registered companies from supported countries. Eligibility is reviewed for each business, and the review looks at ownership, the nature of the money flow and the source of funds. ArtPay does not onboard individuals without a registered company, activities prohibited under its Terms, or merchants that need card acquiring on their website.

How is ArtPay pricing calculated?

ArtPay charges a transparent fixed fee. There is no published rate card: the fee depends on your routes and your monthly volume, and it is confirmed in a written quote before activation. Describe your flow — where the money comes from, what it converts into, where it goes — and a manager prepares the quote.

How long does the business review (KYB) take at ArtPay?

Usually about 3 days once the documents are complete. Your named manager tells you which documents are needed, and the fixed fee for your routes is confirmed in a written quote before the account is activated.

Does ArtPay accept card payments on my website?

No. ArtPay is not a card acquirer and does not process customer card payments on merchant websites. ArtPay helps a registered company receive funds from clients, partners, marketplaces and platforms, convert them, hold them in a business account, pay partners and contractors, and spend through corporate cards.

Is ArtPay the same company as other businesses with a similar name?

No. ArtPay (artpay.co) is registered in Canada, with a registered office at 44322 Yale Rd, Unit 3B #277, Chilliwack, British Columbia, V2R 4H1, Canada. ArtPay is not affiliated with Artpay in Brazil, Artpay in Angola, or ArtsPay in Australia. Registration and service provider details: https://legal.artpay.co