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Top 10 e-Money Institutions for High-Risk Business in 2022

The Finscanner Rankings compare traditional and crypto financial companies of all kinds in terms of key performance indicators, helping to understand the financial and business well-being of a company compared to its peers.

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How we rate?

#NameClient typeServicesTotal Score
Sponsor

Personal & Business

Dedicated IBAN
Multi-currency Account
Savings Account
Segregated Accounts
•••
4.2
1

Gurupay

Payment systems

Personal & Business

API integration
Debit cards
Dedicated IBAN
SEPA Transactions
•••
4.4
2

UAB SatchelPay

Payment systems

Personal & Business

Agreggated Account
Multi-currency Account
SEPA Transactions
SWIFT Transactions
•••
4
3

Personal & Business

Card Programs
Card providers
Crypto Banks
Crypto Payouts
•••
4.2
4

DynaPay Ltd

Payment systems

Personal & Business

API integration
B2B Accounts
Dedicated IBAN
Multi-currency Account
•••
4
5

Personal & Business

Agreggated Account
B2B Accounts
B2C Accounts
C2B Accounts
•••
4
6

Clear Junction Ltd

Payment systems

Personal & Business

Agreggated Account
B2B Accounts
C2B Accounts
Safeguarding/Custiodian Accounts
•••
3.8
7

Valyuz UAB

Payment systems

Personal & Business

Agreggated Account
B2B Accounts
Multi-currency Account
SEPA Transactions
•••
4
8

Personal & Business

Agreggated Account
API integration
B2B Accounts
Card Programs
•••
3.8
9

UAB IBS Lithuania

Payment systems

Personal & Business

Agreggated Account
B2B Accounts
Dedicated IBAN
Multi-currency Account
•••
3.6
10

UAB "NexPay"

Payment systems

Personal & Business

API integration
B2B Accounts
Crypto-friendly Account
Dedicated IBAN
•••
3

Compare this products

Navigate through a range of e-money solutions on the market and compare these options under the specified criteria. We provide a combination of many different factors like fees, services, and convenience to help find the most suitable one. Note that when considering high-risk businesses, first of all, we recognize such areas as gambling, forex, adult, and crypto. The same type of activity can be placed under different risk groups when classified in different EMIs.

Active since20152019201820172017201720162017201920172015
Client TypePersonal/BusinessPersonal/BusinessPersonal/BusinessPersonal/BusinessBusinessPersonal/BusinessBusinessPersonal/BusinessBusinessPersonal/BusinessPersonal/Business
CountryUnited Kingdom United KingdomLithuania LithuaniaLithuania LithuaniaLithuania LithuaniaUnited Kingdom United KingdomLithuania LithuaniaUnited Kingdom United KingdomLithuania LithuaniaCzech Republic Czech RepublicLithuania LithuaniaLithuania Lithuania
HighRisk×+++++++++
C2B Accounts××+×××++××+
Crypto-friendly Account××++×××××××
SEPA Transactions+++++++++++
SWIFT Transactions+++×+++++++
Faster payments×××××××××××
CHAPS×××××××××××
ACH×××××××××××
Total score
★★★★★
(4.2) • Excellent
★★★★★
(4.4) • Excellent
★★★★★
(4) • Great
★★★★★
(4.2) • Excellent
★★★★★
(4) • Great
★★★★★
(4) • Great
★★★★★
(3.8) • Great
★★★★★
(4) • Great
★★★★★
(3.8) • Great
★★★★★
(3.6) • Great
★★★★★
(3) • Average

e-Money Institutions for High-Risk Business

A balance transfer fee provides some compensation to a lender—in this case, the credit card issuer—for taking on the risk of issuing what amounts to a temporary interest-free loan. The typical fee is 3 percent or 5 percent of the balance being transferred. The fee might also have a minimum cash alternative, as in 3 percent or $5, whichever is greater. In most cases, you'll have to pay the balance transfer fee upfront.

A balance transfer fee provides some compensation to a lender—in this case, the credit card issuer—for taking on the risk of issuing what amounts to a temporary interest-free loan. The typical fee is 3 percent or 5 percent of the balance being transferred. The fee might also have a minimum cash alternative, as in 3 percent or $5, whichever is greater. In most cases, you'll have to pay the balance transfer fee upfront.

A balance transfer fee provides some compensation to a lender—in this case, the credit card issuer—for taking on the risk of issuing what amounts to a temporary interest-free loan. The typical fee is 3 percent or 5 percent of the balance being transferred. The fee might also have a minimum cash alternative, as in 3 percent or $5, whichever is greater. In most cases, you'll have to pay the balance transfer fee upfront.

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Is EMI a Good Option for Your Business?

Unlike traditional bank accounts, Electronic Money Institution (EMI) is a technological breakthrough or a symbol of the evolution of financial services. So, if you are looking for a more agile and technology-savvy solution for your business you might want to consider this option. Here are some of the advantages of working with an EMI you may find:

Safety first. EMIs can assure their customers that their money is safely encrypted and secured within the central accounting system or an electronic carrier operated by the company.

Zero credit risk. When a customer places their money into a traditional bank, they take up credit risk. This is because banks are authorized to use customers’ money and lend it to someone else. EMIs are not.

Keeping up with time. EMIs hold to the tempo of progress and offer possibilities that are required right now, in the most comfortable way.

New solutions on the mind. EMIs have dozens of payment options, that may be better for their clients.

Swiftness. EMI money transfers between virtual accounts are fast, secure, and confidential. Unlike bank transfers, which can take several days, EMI transactions take several minutes.

Additional services & 24/7 support. Some EMIs give access to cryptocurrencies, such as Bitcoin, thereby, providing borderless execution of payment transactions.

Find more crypto services at the our marketplace!

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