COMO Pay
Execute secure payments and FX transactions from one single multi-currency account.
COMO World
Extend COMO Pay with on-demand financial services, switched on through a single ecosystem.
COMO Pay PRO
Coming soon!
Execute secure payments and FX transactions from one single multi-currency account.
COMO PAY
Execute secure payments and FX transactions from one multi-currency account.
COMO Pay is your all-in-one multi-currency IBAN account for SEPA and SWIFT payments. Batch international transactions across 24+ currencies, manage users and approval workflows, and run FX management from a single account.
Enable Local Currency Payments
Receive and pay in local currencies via SWIFT rails, eliminating FX conversion costs and improving payment timing.
Scale Payment Operations
Activate additional currencies within your existing COMO Pay account without opening new accounts or additional provider relationships. Scale from dozens to thousands of monthly payments using the same account structure, API integration to your ERP, user access and approval workflows management.
Lower Cross-Border Payment Costs
Tiered FX spreads over interbank rates, and transparent SEPA and SWIFT fees typically reduce cross-border payment costs compared with traditional multi-account or bank arrangements that carry higher FX and SWIFT charges.
Maintain Regulatory Compliance
CSSF-regulated payment institution with client funds held in segregated and safeguarded accounts at Tier 1 European banks. Automated sanctions screening against EU, OFAC and UN watchlists for all beneficiaries, combined with transaction monitoring and suspicious activity reporting to Luxembourg financial authorities.
Reduce Treasury Administration Time
A single IBAN account for all SEPA and SWIFT payments eliminates reconciliation across multiple accounts, bank relationships and portals, significantly reducing treasury administration time. Bulk payment uploads and automated FX execution replace manual entry and phone-based currency trades.
All-in-one multi-currency IBAN Account
Corporate
AccountSimplify and centralize all your business transactions with one COMO Pay account covering all your payment and FX needs.
Multi-Currency Payment Account
Execute and receive SEPA and SWIFT payments globally across 24+ currencies from one account. Get real-time balances and consolidated visibility across all currencies in a single COMO Pay account structure.
Foreign
ExchangeEnable FX transactions for international operations, automated at scale – without manual trades or multiple portals.
Payment Efficiency & Scale
High-volume SEPA and SWIFT payment execution with scheduling control
Bulk Payments
Upload and execute hundreds of SEPA or SWIFT payments simultaneously via CSV file.
Batch Payments
Schedule SEPA and SWIFT payment batches for future execution dates, with value dating control for supplier payment runs and payroll processing.
Beneficiary Management
Store and manage payment beneficiaries with IBAN validation, SWIFT BIC verification, and automated sanctions screening against EU and international watchlists.
Role-Based Authorization & Multi-Level Payment Approvals
Authorization and User Management
Configure user roles with payment approval limits, currency restrictions, and account access levels—supporting maker-checker workflows and segregation of duties for audit compliance.
Payment Approval Workflow
Configure multi-level approval workflows for payments, ensuring operational security and compliance with internal controls.
Start
COMO Pay Basic
Your EUR IBAN, live in 72 hours. Send, receive, manage.
Every payment operation starts somewhere. COMO Pay Basic is that starting point: a dedicated EUR IBAN with full SEPA coverage, a clear scope, and predictable costs — all managed from one platform. No complexity you don't need. No features you won't use. A payment account that simply works.
Built for small operators and starter clients — nothing more, nothing less.
Grow
COMO Pay Standard
Everything in Basic — extendable to 24+ currencies.
Our default solution, and for good reason. COMO Pay Standard opens your account to the world: one multi-currency IBAN, live within 72 hours, to send, receive, and manage funds in 24+ currencies — EUR, USD, GBP, CHF, and beyond. SWIFT joins SEPA. Multiple users work from one account. Selected add-ons unlock on demand — additional currencies and accounts, exactly when your business asks for them.
Built for businesses trading internationally that want one account, one platform, one overview.
Scale
COMO Pay Pro
Everything in Standard — with complete control of international financial operations.
When finance becomes an operation in its own right, your account has to keep up. COMO Pay Pro adds the depth growing teams need: workflow and access management, expanded currency reach, higher volumes, and the full range of add-ons — transaction bundles, additional accounts, additional currencies. You define who does what. The platform enforces it. Finance scales without losing control.
Built for businesses that run global finance as a discipline, not an afterthought.
Start small. Scale without switching.
Every upgrade keeps your account, your data, and your integrations intact.
Explore our flexible pricing options tailored to your different business needs.
Feature/ Benefit
COMO Pay
Standard
COMO Pay
Pro
COMO Pay
Enterprise*
Currencies Included
(in addition to EUR)3
Coming 2026
5
Additional Currencies
Not available
EUR 100/month
per currency
Coming 2026
SEPA Transactions per Month (in or out)
25
Coming 2026
80
SWIFT Transactions per Month (in or out)
5
Coming 2026
15
Additional
Transaction BundlesNot available
SEPA & SWIFT
bundles available
Coming 2026
Users Included
3
10
Coming 2026
Virtual IBANs
-
-
Included
vAccount Management
-
-
Included
Closed-loop wallets powered by virtual IBANs
-
-
Included
Master account / group-level cash control
-
-
Included
One ledger and ERP-ready data
-
-
Included
*Roadmap notice: COMO Pay Enterprise is a future service tier (planned from 2026). The capabilities described here are roadmap elements and remain subject to regulatory clearance, technical implementation and final service design.
