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.
EMBEDDED FINANCE | PARTNER PROGRAM
Turn your network into recurring revenue with embedded finance.
The future of finance is collaborative. With COMO’s Partner Program, you offer regulated financial services directly to your clients – and earn performance-based incentives as your portfolio grows. No licenses. No infrastructure. No compliance burden.
Generate Recurring Revenue – With the Freedom to Turn It into Client Incentives
As a COMO Partner – whether Classic, Premium, or Signature – you earn performance-based incentives starting at EUR 300 for every client activation, with tiered bonuses as your portfolio grows.
You can keep these incentives as partner revenue or use some or all of them as incentives for your clients – for example, as discounts, cashback, or loyalty rewards that drive adoption, retention, and comfort.Expand Without Infrastructure Investment
Offer regulated financial services without dealing with licenses, compliance systems, or regulatory relationships. COMO provides a regulated foundation so you can focus on your client relationships and the revenue they generate.
Build Loyalty Through Integration
Financial infrastructure embedded in your platform creates operational dependencies that increase customer retention. Clients using embedded finance typically maintain significantly longer relationships than with software-only solutions.
Scale Through Network Effects
Earn additional commissions by introducing new partners to COMO. Second-level referrals generate compounding revenue as your network grows, creating additional value over time – without pressure or hidden conditions.
Access Complete Support Infrastructure
Comprehensive implementation guidance, co-branded marketing materials, technical documentation, and dedicated partner management support your success. Partners receive premium API support and customization assistance throughout the integration.
COMO offers three partnership models on the same regulated infrastructure, allowing your clients to open accounts directly on your company’s website through a customized form and enjoy a seamless, secure digital onboarding experience – with integration depth and user experience fully aligned to your brand.*
Classic Partner
Classic Partner is the basic entry point to COMO’s regulated infrastructure.
After the partner account is opened, COMO offers and manages the financial relationship, including KYB onboarding and review, payment execution, AML transaction monitoring and ongoing account servicing to all your clients.
This model is suitable for businesses that want to offer embedded financial services to their clients while relying on COMO to operate all financial operations as the visible regulated provider under the COMO brand.Premium Partner
Premium Partner is designed for businesses that want their clients to experience COMO’s financial services within their own branded environment.
After the partner account is opened, your clients can use these financial services embedded in your platform, with your brand front and center , while COMO handles client-facing financial operations, such as KYB onboarding and review, payment execution, AML transaction monitoring, and ongoing account servicing in the background.
This model suits businesses that want these services to be visibly integrated into their own user experience without building or operating their own regulated financial infrastructure.*Signature Partner
Signature Partner builds on the same embedded approach and extends it into a more customized setup within your own branded environment.*
Based on the same underlying account structure, COMO provides a tailor-made version of its embedded finance solution aligned with your specific business requirements, while still operating in a regulated financial environment and providing services.
All Premium and Signature implementations are delivered with your brand leading the experience while COMO Digital Life operates the regulated payment accounts and services behind the scenes.*
This model is intended for businesses that need a more individualized configuration of their embedded financial services.
Partnership Model
Classic Partner
Signature Partner
Premium Partner
Model Type
Refer customers to COMO’s services via a dedicated partner sign-up link.
Offer COMO services on your website.
Offer COMO services in your ecosystem or on your website.
Best For
Businesses that want the fastest, no-integration way to extend financial services.
Businesses that want to offer financial experience under their own brand.
Organizations that need a bespoke embedded finance solution.
Branding
COMO-branded experience.
Embedded* in your brand identity.
Embedded* in your brand identity.
Revenue & Client Relationship
COMO manages onboarding and servicing; you benefit from client engagement.
You generate recurring revenue while COMO powers and manages the regulatory and operational framework.
You define your customer experience while COMO powers and manages the regulatory and operational framework.
Partner Conditions
Requires at least one COMO Pay plan.
Requires at least one COMO Pay plan.
Requires at least one COMO Pay plan.
*The embedded services are presented in the partner’s branded interface, while the underlying payment account and payment services are provided by COMO DL S.A., a payment institution incorporated and registered in Luxembourg (company registration no. B208 603, registered office: 1 rue de l’Innovation, L-1896 Kockelscheuer, Luxembourg), authorized and supervised by the CSSF (Commission de Surveillance du Secteur Financier) under license no. Z00000013, and are visibly attributed as “powered by COMO Digital Life.” Certain additional services (such as FX, if applicable) may be provided by third-party institutions under their own terms and regulatory oversight and will be presented accordingly.
#1 Pick Your Partner Pack
Choose Classic or Premium or Signature to match your strategy as you sign up.
#2 Open COMO Partner Account
Sign up for one of COMO’s Services (COMO Pay Standard or COMO Pay Pro) to unlock your partnership benefits.
#3 Onboard Clients in as little as 72 hours – managed KYB, compliance and account setup.
We manage onboarding steps end-to-end – from data collection and checks to account activation – so you can focus on what really matters: strengthening client relationships and growing your business.
#4 Earn Recurring Revenue & Loyalty
Enjoy predictable incentives while your clients save time, fees, and friction. You’re free to keep these incentives as partner revenue, or to use part or all of them as incentives for your clients – for example, as discounts, cashback, or loyalty rewards that drive adoption, retention or comfort.
Offer Your Network a Central Financial Infrastructure
COMO empowers you to become the financial infrastructure your clients rely on—with full regulatory capability from day one.
Your platform. Your brand. Your financial ecosystem.
We deliver and manage the complete licensed infrastructure—from Classic to fully customized Signature setups—so you stay focused on your clients.
One integration. Live in weeks. Full regulatory strength from the start.
Your clients will make your ecosystem the home of their financial lives.