Your money, your way

SEPA, SWIFT, Instant — Plus Pay by Link, QR & Scheduled Payments

Send and receive with SEPA, SWIFT, and instant transfers. Pay by link or QR, request money, and schedule recurring payments — secure and EU-compliant.

SEPA & SEPA Instant SEPA & SEPA Instant

SEPA usually settles next business day; SEPA Instant (where supported) is typically seconds, 24/7/365.

SWIFT international SWIFT international

Send SWIFT (MT103) with status tracking. Delivery times and fees depend on routes and intermediaries.

Pay by link & QR Pay by link & QR

Generate a secure payment link or QR code for someone to pay you. Amount, currency, and expiry can be configured.

Payments and security overview

Security & compliance

Manage SEPA, SWIFT, and instant transfers. Pay by link or QR, request money, and set recurring or scheduled payments. Limits vary by verification level; payments are screened for AML and sanctions compliance.

Real-time notifications & tracking

See every payment status in real time. Get notified when money is sent, received, or completed.

Role-based approvals & limits

Set limits and approval rules. Payments are screened for AML and sanctions compliance.

Payment features

SEPA and SEPA Instant, SWIFT international transfers (MT103), pay by link and QR payment requests, scheduled and recurring payments, and real-time notifications.

Ways to pay and get paid

SEPA, SWIFT, instant, pay by link, request money, and scheduled or recurring payments — all from your BinaxPay account.

How fast are SEPA and SEPA Instant payments? SEPA usually settles next business day; SEPA Instant (where supported) is typically seconds, 24/7/365.

  • EU/EEA coverage
  • Next day or instant
  • 24/7/365 (Instant)
  • Real-time status
Open an Account

Do you support SWIFT international transfers? Yes. You can send SWIFT (MT103) with status tracking; delivery times and fees depend on routes and intermediaries.

  • Global reach
  • MT103
  • Status tracking
  • Transparent fees
Contact

What is Pay by Link or QR? Generate a secure payment link or QR code for someone to pay you. Amount, currency, and expiry can be configured.

  • Payment requests
  • QR codes
  • Set amount & currency
  • Expiry options
Open an Account

Can I schedule or make recurring payments? Yes. Set future-dated transfers and recurring frequencies (e.g., weekly or monthly) with automated approvals.

  • Future-dated transfers
  • Weekly or monthly
  • Automated approvals
  • Full control
Open an Account
Instant payments — SEPA, SWIFT, and real-time transfers

Payment services

SEPA, SWIFT, instant, pay by link, QR, requests, and scheduled or recurring — secure and EU-compliant.

Chat with us — WhatsApp and Signal support for payments

Chat with us

Questions about payments? Contact us on WhatsApp or Signal for support.

WhatsApp Signal
Open your personal bank account — SEPA, SWIFT, multi-currency

Open your personal account

Open your personal account and start using it today. Send and receive with SEPA, SWIFT, instant, pay by link, and more.

Open an Account

Related

Accounts, cards, savings — all part of your BinaxPay Private experience.