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 ... more.
COMO Pay is your all-in-one multi-currency IBAN account for SEPA and SWIFT payments, batch international transactions in 24+ currencies, includes user and workflow management, add FX management and ... more.
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 banking 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.
Standard
COMO Pay Standard is the entry-level, all-in-one multi-currency account for organizations that want to centralize their international payments and FX in one account structure.
Pro
COMO Pay Pro builds on the same foundation and extends COMO Pay with higher volumes, additional currencies and enhanced service for more complex payment and treasury setups.
Enterprise
COMO Pay Enterprise (Outlook 2026)* is the planned enterprise service tier that extends today’s single multi-currency account into a full inhouse finance architecture with virtual IBANs, virtual account management (VAM), closed-loop wallets and ERP-ready data.
*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.
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
Virtual account management (VAM)
-
-
Included
Closed-loop wallets powered by virtual IBANs
-
-
Included
Master account / group-level cash control
-
-
Included
Single Truth Finance & 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.
Resources
COMO DL S.A. operating under the brand “COMO Digital Life" is a SWIFT member offering SEPA and SWIFT payments and issue LU IBAN accounts for a single or for multi-currencies. Regulated by CSSF in Luxembourg (Z00000013), 100% of all Client funds are securely held in separate accounts with our top correspondent banks in Europe. All Clients’ funds are liquid and immediately available upon demand, in-full. We do not generate credit or investment risk. No Client funds are ever loaned, leveraged, or invested. We provide hedging solutions related to payment transactions, not investment or speculative instruments.
For the purpose of this website, COMO Digital Life (COMO DL S.A.), uses a 47 seconds excerpt of the song "Charge", performed by Marc Streitenfeld, which is the sole and exclusive holder of all copyrights pertaining to this song.