Quality Payments Across You

Payments infrastructure
for corporate treasury.

Centralize payments, automate approvals, and keep liquidity under control. QPay provides finance teams with a secure multi-currency payment account, designed to scale seamlessly into full In-House Banking.
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Luxembourg IBAN · SEPA & SWIFT · Approval workflows · Virtual accounts

Services designed for corporate treasury

QPay delivers a complete payments and treasury infrastructure for corporates and international groups seeking control, transparency and operational efficiency. Each service integrates seamlessly into existing finance processes and scales naturally as organizational complexity grows.

Core

Multi-currency account & global rails

Operate with a regulated multi-currency payment account designed for international corporate flows. Execute day-to-day payments and treasury movements with governance, visibility and operational discipline.

Including access to a Luxembourg IBAN, plus SEPA & SWIFT
Control

Approvals, roles & auditability

Define who can initiate, approve and release payments. Implement multi-level controls, four-eyes principle, and clear separation of duties—built for treasury governance and audit readiness.

Role-based access, approval chains and payment traceability
Structure

Virtual Account Management

Segment flows by entity, client or project using virtual accounts while keeping liquidity centralized. Improve reconciliation, reporting and operational clarity without multiplying bank relationships.

Virtual accounts & vIBANs for clean allocation and reporting
Treasury

In-House Banking & group flows

Support advanced group treasury models to streamline banking, optimize liquidity, and simplify intercompany settlement across subsidiaries—while maintaining strong central oversight.

POBO / COBO, intercompany settlements and escrow-style setups
Integration

API connectivity & automation

Connect QPay to ERP, accounting and treasury systems to reduce manual work. Enable straight-through processing, automated reconciliation and real-time visibility where it matters.

API-ready for treasury reporting and operational efficiency
Assurance

Security, compliance & expert support

Operate within a regulated framework with security and compliance embedded into daily operations. Dedicated support helps finance teams move quickly—from onboarding through ongoing treasury workflows.

Regulated infrastructure with responsive client support

Built for finance teams that need control

QPay is designed for corporates and international groups that want bank-grade governance over payments: clear roles, approvals, auditability, and scalable treasury workflows.

Corporate & groups
Centralize outgoing & incoming payments across entities.
Treasury & CFO
Visibility, controls, and predictable pricing.
Operations
Bulk processing, workflows and integrations.

Two ways to deploy QPay

Start with a corporate payment account and scale seamlessly into In-House Banking when treasury complexity increases.

QPay — Payment Account

A regulated multi-currency payment account for receiving and sending funds, managing FX and executing day-to-day corporate payments.

  • Multi-currency IBAN
  • SEPA & SWIFT payments
  • Approval workflows (4-eye principle)
  • Bulk & batch processing
  • Expert client support

QPay — In-House Banking

Advanced treasury setup including Virtual Account Management to centralize liquidity while preserving operational autonomy across entities.

  • Virtual accounts & externally addressable vIBANs
  • Central treasury visibility
  • POBO / COBO workflows
  • Intercompany transactions & escrow
Corporate actions

Blocking certificate support

QPay assists corporates and international groups in obtaining a recognised blocking certificate in connection with share capital deposits and capital increases.

Share capital deposit

Clear process guidance for treasury teams, including required documentation and practical steps to complete the deposit and prepare the notary package.

Capital increase

Once funds are deposited, QPay supports the issuance of a blocking certificate through a recognised notary process, aligned with corporate workflows and audit needs.

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Pricing

Pricing

Transparent, predictable pricing designed for corporates and international groups. All prices in EUR, VAT excluded.

QPay — Standard

Monthly fee€235 (annual) / €295 (quarterly)
CurrenciesEUR + 3
SEPA transactions25 / month
SWIFT transactions5 / month
Users3

QPay — Pro

Monthly fee€400 (annual) / €500 (quarterly)
CurrenciesEUR + 5
SEPA transactions80 / month
SWIFT transactions15 / month
Users10

Optional transaction bundles (Pro)

Bundles apply to transactions (in or out), per month.

20 transactionsSEPA €7 / SWIFT €180
100 transactionsSEPA €32 / SWIFT €880
400 transactionsSEPA €125 / SWIFT €3,300

Foreign Exchange (FX) fee

Tiered FX fee based on transaction value.

Up to €1M0.50%
Up to €10M0.40%
Up to €50M0.35%
Up to €100M0.30%
Up to €250M0.25%
Above €250M0.20%

Compliance & other items

KYB onboarding (standard fee)€500
KYB annual review (standard fee)€250
Administrative services (incl. EDD, auditors’ requests, etc.)€250 / hour
Returned payments (by correspondent bank)€100
Manual processing of incoming payments with incorrect details€100
Blocking certificate€600
Complex transactionsHigher of: 0.1% of transaction value, or time-based fees
Enhanced due diligence and/or additional checks may apply for high-risk clients or complex verification processes.

Ready to get started?

Deploy QPay quickly with remote onboarding and scale your treasury infrastructure as your organization grows.

Start onboarding