top of page

Partner Sign Up

Client Sign Up

Partner Log In

Client Log In

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 23+ currencies, manage users and approval workflows, and run FX from a single account.

  • Enable Local Currency Payments

    Receive and pay in local currencies via SWIFT rails, avoiding a conversion step where you hold the currency 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.

    Maintain Regulatory Compliance

    COMO Pay is provided by COMO DL S.A., a Payment Institution authorized by the CSSF under license No. Z00000013. The COMO Platform it runs on is built and operated by COMO Digital Life S.à r.l. Client funds are held in segregated and safeguarded accounts at European banks. Automated sanctions screening for all beneficiaries against EU, UN and other applicable sanctions measures.

    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
    Account

    Simplify and centralize all your business transactions with one COMO Pay account for your payments and FX.

    Multi-Currency Payment Account

    Execute and receive SEPA and SWIFT payments globally across 23+ currencies from one account. Get real-time balances and consolidated visibility across all currencies in a single COMO Pay account structure.

    Foreign
    Exchange

    Enable 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 in a single 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.

    Role-Based Authorization & Multi-Level Payment Approvals

    Authorization and User Management

    Configure roles, approval limits, currency restrictions and access levels for your authorized users, supporting maker-checker workflows and segregation of duties for audit compliance.

    Payment Approval 
Workflow

    Configure multi-level approval workflows that apply your own internal controls to every payment.

    API Integration 

    Move payment instructions and reporting data between COMO Pay and your ERP or treasury system.

  • Start

    Basic

    Your EUR IBAN. 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.

    Built for small operators and starter clients, sized exactly for them.

    Grow

    Standard

    Everything in Basic, extendable to 23+ currencies.

    Our default solution, and for good reason. COMO Pay Standard opens your account to the world: one multi-currency IBAN to send, receive, and manage funds in 23+ currencies, from EUR, USD, GBP and CHF onward. … 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

    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 add-ons on demand: transaction bundles, additional accounts, additional currencies. You define who does what. The platform enforces it. Finance scales, and control scales with it.

    Built for businesses that run global finance as a discipline.

    expand

    Enterprise

    Everything in Pro, expanded and agreed to your scale.

    When your operation asks for more, every line of the plan moves up. COMO Pay Enterprise gives you a second multi-currency IBAN account, eight currencies beyond EUR, and unlimited users. Monthly SEPA and SWIFT volumes are agreed with you, as is the price. The plan is configured to what your business actually requires, and set again as those requirements grow.

    Built for businesses that set their own scale.

    Start small. Scale without switching.

    Every upgrade keeps your account, your data, and your integrations intact.

  • Four plans, from a single EUR account to a setup agreed with you.

    See what each one includes and what it takes to run finance globally.

    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 Bundles

    Not 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

  • Experience COMO Pay in action.

    como-pay-mockup.png

Integral. Indispensable. Inevitable.

bottom of page