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 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
AccountSimplify 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
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 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 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
