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● PSD2 • PCI DSS L1 • SEPA Instant
Payments that move at startup speed.
HVB Pay on hvb-pay.com — business IBAN in hours, checkout converting at 94%, payouts worldwide. Accept cards, Apple Pay, Google Pay, SEPA, SWIFT and local methods with one API.
0countries, EUR IBANs
€4.8B+processed yearly
0.99% uptime SLA
0.9%from per transaction
Today's revenue+18.4% ▲ Live
€128,430.22
Cards
SEPA Instant
Wallets
● 1,284 payouts approved • antifraud 0.02%Live demo →
SEPA INSTANT • VISA • MASTERCARD • APPLE PAY • GOOGLE PAY • SWIFT • VIRTUAL IBAN • POS • API • 3D SECURE 2 • SEPA INSTANT • VISA • MASTERCARD • APPLE PAY • GOOGLE PAY • SWIFT • VIRTUAL IBAN • POS • API • 3D SECURE 2 •
Platform
Everything to get paid.
Everything to get paid.
Nothing to slow you down.
One dashboard for online, in-store and B2B. Built for conversion, finance automation and global scale.
⚡
Smart Checkout 94%
One-click, Apple Pay & Google Pay first, adaptive 3DS, 28 languages, 135 currencies. A/B tested to lift conversion by 23%.
🏦
Business IBAN in hours
EUR virtual IBANs with your company name, multi-IBAN for marketplaces, SEPA Instant in 10 seconds, SWIFT same-day.
🧲
API & No-code
REST API, webhooks, SDKs for PHP, JS, Python. Plugins for Shopify, WooCommerce, Magento, Wix. Go live in one sprint.
💳
Corporate cards
Physical & virtual Visa with limits, categories, Apple Pay, 1.5% cashback, instant freeze and accounting sync.
🛡️
AI Antifraud
Machine-learning scoring, velocity checks, device fingerprint, allowlists. Chargeback rate below 0.08% on average.
🌍
Global payouts
Mass payouts to 48 countries, payroll, supplier payments, FX at interbank +0.4%, automatic reconciliation.
About HVB Pay
Bank-grade rails.
Bank-grade rails.
Fintech soul.
HVB Pay was born as hvb-pay.com — a payment institution for digital business. We combine Hypo-style reliability with a product team shipping every week. Today 14,000+ companies run checkout, IBANs and payouts on us: SaaS, e-commerce, marketplaces, creators, logistics and B2B services.
- ✅ Licensed & segregated: client funds held in safeguarded accounts, audited quarterly, PSD2 compliant.
- ✅ Built for finance teams: roles, approvals, Xero / Datev / QuickBooks export, real-time ledger.
- ✅ Human support 24/7: median first reply 3 min, dedicated manager from Growth plan, Slack connect.
- ✅ Transparent pricing: no setup, no hidden FX, interchange++ available for volume.
2019
Launch hvb-pay.com, first 500 merchants
Launch hvb-pay.com, first 500 merchants
2022
€1B processed, SEPA Instant live
€1B processed, SEPA Instant live
2024
14k businesses, POS & Tap to Pay
14k businesses, POS & Tap to Pay
2026
AI risk engine, 48 payout countries
AI risk engine, 48 payout countries
Products
One account. Five superpowers.
1. Online checkout + Payment Links
Hosted page, embed, or payment links via WhatsApp / email. Subscriptions, installments, pay-by-bank with 40% lower fees.
2. In-store POS & Tap to Pay
Android POS from €29, Tap to Pay on iPhone, offline mode, tips, refunds in one tap. Syncs with online inventory.
3. Virtual IBANs API
Create unlimited IBANs per client for automatic reconciliation. Perfect for marketplaces and lenders.
4. Subscriptions & Invoicing
Recurring SEPA & cards, smart retries, dunning, e-invoices with QR, reminders that get you paid 2x faster.
5. Treasury & FX
Hold 12 currencies, auto-convert, schedule payouts, earn up to 3.1% on EUR balances.
How it works
Live in 3 steps. Today.
Register & verify
Sign up with company ID, verify director in 12 min via video-KYC. Get EUR IBAN instantly in sandbox.
→ Free, no paperwork by post
Connect sales
Add plugin or 7 lines of code. Test cards, Apple Pay, SEPA Direct Debit. Migrate history with 1-click import.
→ 120+ integrations
Get paid & scale
Receive T+0 to T+1, split payouts, issue cards, automate bookkeeping. Scale limits automatically.
→ 99.99% uptime
Developer first
Copy. Paste. Paid.
Checkout.js with 3D Secure built-in, webhooks for every event, test mode with IBAN simulator. Postman collection included.
fetch('/v1/payments',{method:'POST',
headers:{Authorization:'Bearer hvb_live_...'},
body:JSON.stringify({amount:4900,currency:'EUR'})})
Get API keysheaders:{Authorization:'Bearer hvb_live_...'},
body:JSON.stringify({amount:4900,currency:'EUR'})})
Pricing
Simple pricing that scales with you.
No setup. No monthly minimums on Start. Cancel anytime. Volume discounts from €100k/mo.
Start
For freelancers & new stores
€0/mo
- ✔ 1.9% + €0.25 online
- ✔ 1 free IBAN, SEPA €0.35
- ✔ Payment links & QR
- ✔ Email support
Growth ★ Popular
For scaling e-commerce & SaaS
€29/mo
- ✔ 0.9% + €0.19 online
- ✔ 5 IBANs, Instant free 100x
- ✔ Subscriptions + antifraud AI
- ✔ Priority 24/7 + manager
Scale / Enterprise
Marketplaces & B2B volume
Custom
- ✔ Interchange++ from 0.4%
- ✔ Unlimited IBANs API
- ✔ Dedicated IBAN, SLA 99.99%
- ✔ Onboarding & migration team
Security & compliance
Your money guarded like a vault.
PCI DSS Level 1, PSD2 SCA, 3D Secure 2, tokenization, biometric logins, segregated safeguarded accounts. Every euro traceable in real-time ledger.
🔒 3D Secure 2 + SCA
Frictionless auth, liability shift, 18% fewer declines.
🤖 AI risk score
0.02% fraud, auto-block, manual review queue.
🏛️ Safeguarded funds
Funds segregated, daily reconciliation, audits.
📱 Roles & approvals
4-eyes payouts, SSO, audit log export.
Loved by business
14,000+ companies get paid with HVB Pay
“Checkout conversion jumped from 71% to 93% in 2 weeks. SEPA Instant + Apple Pay did the magic.”— Lena K., DTC fashion, Berlin ★★★★★
“We replaced 3 providers with HVB Pay. One API, one ledger, finance closes month in 1 day.”— Marco D., SaaS CFO ★★★★★
“Marketplace split payouts to 2,300 sellers automatically. Support replies in minutes, even Sunday.”— Sofia R., Marketplace COO ★★★★★
Newsroom
Payments intel, product drops & guides
Fresh from hvb-pay.com — stay ahead on fees, regulation and conversion.
FAQ
Questions? Answered.
How fast can I start accepting payments?
Most EU companies go live same day: 12-min KYC, sandbox immediately, production IBAN after verification. Plugins take 10 minutes, custom API 1-2 days.
What does HVB Pay cost really?
Start €0/mo, Growth €29/mo, Enterprise custom. Online from 0.9% + €0.19, SEPA Instant €0.35, POS 0.8%. No setup, no hidden FX — FX at interbank +0.4%.
Do you support subscriptions and marketplaces?
Yes. Recurring cards + SEPA DD with smart retries, split payouts, per-seller IBANs, KYC/KYB automation and 1099/DAC7 reporting exports.
Is my money safe with HVB Pay?
Yes. Segregated safeguarded accounts, PCI DSS L1, PSD2, 3DS2, AI antifraud, daily reconciliation and quarterly audits.
Can I migrate from Stripe / Adyen / PayPal?
Absolutely. We import customers, tokens, subscriptions and history free. Most migrations finish in under 7 days with zero downtime.
Get your IBAN today. Get paid tomorrow.
Join 14,000+ businesses on hvb-pay.com. Free sandbox, no card required, cancel anytime.
Contact
Talk to a human in 3 minutes.
Sales, onboarding, support — one inbox, 24/7. Offices in Berlin • Amsterdam • Warsaw.
📧 [email protected] — 24/7
💬 Live chat in dashboard — median 3 min
📞 +49 30 901 820 400 — Mon–Sat 8–22 CET
Request callback
Leave email — we reply within 1 business hour.