Skip to content
Speak to an expert

ACCOUNTS & PAYMENTS

E-money accounts with broad payment functionality

Access fully regulated e-money business accounts with the ability to seamlessly send and receive money.


Get in touch

Rectangle 1320-1
accounts-icon-1
pexels-vlada-karpovich-8368031

Freedom and flexibility with compliant e-money accounts

Transaction

Embedded payments

Integrate payment experiences directly within your platform to boost user engagement and generate new revenue streams. 

Learn more

account-icon

E-money business accounts 

Issue unique e-money business accounts that support innovative financial management features to help streamline tax, reconciliation, and admin tasks. 

Learn more

CashCurrency

Funds management 

Access and leverage dedicated e-money accounts to manage funds and disbursements enabling features such as wage advance for your clients.  

Learn more

Countingup
Edenred Payment Solutions played a crucial role in us rapidly bringing the Countingup product to market, and they have continued to be a key partner supporting our mission to help the self-employed stay on top of their business finances.  

Mike Moate

CTO, Countingup

Power payment experiences with our configurable building blocks

account-icon

Powerful UK e-money accounts

Issue account numbers and sort codes, with a solution that enables easy access to account payment channels like BACS, CHAPS, and the UK’s real-time payment system, Faster Payments. 

Security-1

Local EU e-money accounts 

Support business spending and efficiently manage funds across the European Economic Area with local EU IBANs — fully secure and integrated with SEPA.   

Global-1

Multi-currency accounts 

Open separate accounts in different currencies for local funds management, with GBP and EUR currencies available. 

Compliant

Confirmation of Payee & Verification of Payee 

Secure financial operations with Confirmation of Payee (CoP) and Verification of Payee (VoP) checks, along with advanced transaction screening and monitoring for e-money account and payment services, reducing fraud risk. 

Time 1

Real-time transaction notifications 

Get visibility and control over transaction flows with tools that minimise risk and help manage spend with custom authorisation rules.   

E-money accounts that adapt to your industry 

Frame 14-2

Our versatile e-money accounts and payments are simple to set up and integrate within your app or web portal through a range of robust APIs. 

  • Accounting: Empower small and medium size businesses and accountants with embedded accounts and payments that drive efficiencies through your software.  
  • Fintech: Drive financial innovation with e-money accounts and payments that underpin your product offering, while we manage the safeguarding of funds and compliance obligations.  
  • HR & payroll: Support businesses to provide flexible payroll services such as earned wage access to drive employee loyalty and financial wellbeing.

    Select the model that's right for you

    We offer a modular service that provides choice and flexibility to suit your business needs. As you scale, we adapt our services to meet your requirements at each stage, from a fully comprehensive payments solution with licences to processing only support.

    E-money accounts

    Manage corporate funds with an e-money account connected to BACS, CHAPS, Faster Payments and SEPA, and seamlessly send and receive money.  

    E-money accounts + cards issuing

    Offer physical or virtual cards, connected to e-money accounts, to enable users to transact against balances across physical and online channels. 

    Learn more

    Payment processing

    Minimise the complexity of transaction processing with our all-in-one in-house payment platform designed to handle the end-to-end card transaction lifecycle and banking flows. 

    Learn more

    Build in partnership with an industry leader

    £35bn+

    transaction value processed in 2022

    500+

    in-house payment experts

    20+

    years of industry experience

    Discover the perfect solution for you

    Get answers to your account-based questions and learn more about how our e-money accounts and payment solutions can help your business succeed and scale. Contact our team today. 

    Contact us

    woman-in-car-large

    Frequently asked questions

    What are e-money accounts?
    E-money accounts are fully regulated accounts that you can provide to users without obtaining your own banking or e-money licence.
     
    With Edenred Payment Solutions, you benefit from FCA-authorised services backed by over 20 years of payment industry expertise, allowing you to focus on your core business whilst we support with regulatory compliance and funds safeguarding.
    How can embedded payments generate new revenue streams for my platform?
    Embedded payments integrate payment processing directly into your platform, unlocking multiple monetisation opportunities:
     
    Earn transaction fees on every payment processed through your platform, add subscription tiers for premium payment features, and offer value-added services like automated reconciliation or multi-currency functionality.
     
    Edenred Payment Solutions provides complete infrastructure including e-money accounts with UK sort codes and IBANs, plus real-time payment processing through BACS, CHAPS, and Faster Payments. This integrated approach improves customer retention by increasing platform stickiness and captures payment volumes that would otherwise flow through third-party processors.
    What UK payment schemes do Edenred Payment Solutions' e-money accounts support?
    Our e-money accounts provide access to all major UK and European payment rails:
     
    UK payment schemes:
    - BACS: High-volume, cost-effective payments like payroll with three-day processing
    - CHAPS: Same-day settlement for urgent, high-value transactions with no upper limit
    - Faster Payments: Real-time transfers up to £1 million, available 24/7
     
    European payments:
    - SEPA: Euro-denominated payments across the European Economic Area
     
    This multi-rail capability is managed through robust APIs with real-time notifications and custom authorisation controls.
    What should I look for in an e-money account partner?
    Essential considerations when selecting a partner:
     
    - Proven regulatory credentials with FCA or equivalent authorisation
    - Comprehensive payment infrastructure supporting multiple rails and currencies
    - Robust API documentation with dedicated technical support
    - Transparent pricing structures
     
    Edenred Payment Solutions offers over 20 years of payment industry experience. We offer modular services that scale with your business, from standalone e-money accounts to full payment processing solutions. 
     
    Our partnerships with established platforms like Countingup, Tide, and Hnry demonstrate our ability to support rapid market entry whilst managing regulatory compliance, transaction monitoring, and funds safeguarding on your behalf.
     
    What industries benefit most from Edenred Payment Solutions' e-money accounts and payment services?
    Our e-money accounts serve diverse industries where embedded financial services drive competitive advantage:
    Key industries we support:
     
    - Accounting software: Integrated bookkeeping with embedded payments for SMBs
    - Fintech platforms: FCA-authorised infrastructure for innovative products while we manage compliance
    - HR and payroll: Earned wage access and flexible disbursement solutions
    - SaaS platforms: Embedded payment experiences that boost engagement and create revenue streams
     
    With multi-currency support, Confirmation of Payee, fraud prevention, and advanced transaction monitoring, Edenred Payment Solutions provides a secure, scalable platform that adapts to your industry's specific needs.