Take the payment. We handle everything after the beep.
FinBanq gives restaurants, shops and growing businesses one account for taking payments, holding money and paying it out. Card sales settle the next morning, in full view, with nothing left to chase.
Powered by Andaria Financial Services UK Limited, authorised by the Financial Conduct Authority as an Electronic Money Institution
FCA · FRN 933187Every way to get paid, on one platform.
Payments are the core of FinBanq, not a bolt-on. Terminals, online checkout, links and phone orders all feed the same account, the same reporting, and the same next-morning settlement.
Card terminals
Countertop and portable machines built for real trade: fast contactless, chip and PIN, tipping, bill splitting and end-of-day totals that match your till.
In store · at the tableTap to Pay on phone
Turn a standard Android phone into a card machine. No extra hardware, no waiting for a delivery, perfect for markets, deliveries and queue busting.
No hardware neededOnline checkout
A hosted payment gateway for your website with 3-D Secure built in. Plug into your existing store or let us set the checkout up with you.
Ecommerce readyPay by link
Send a secure payment link by text, email or WhatsApp and get paid in seconds. Ideal for deposits, invoices and orders taken over the phone.
No website requiredVirtual terminal
Key in card details securely from any browser for mail and telephone orders, with the same fraud screening as every other FinBanq payment.
Phone & mail orderEPOS integration
Connect your till system so totals push straight to the terminal. No double keying, no mismatched amounts, no awkward end-of-night reconciling.
Works with your till
One payments provider. One settlement. One number to call.
Most businesses end up with a terminal from one company, a gateway from another and a bank that talks to neither. FinBanq runs the whole journey, so every channel lands in the same account by nine the next morning.
- Every channel reported in one dashboard, one statement
- Refunds and chargebacks handled without a second provider
- Your account manager covers payments and banking together
Made for businesses that get paid at the counter, at the table, and online.
FinBanq started with the businesses banks tend to overlook: the restaurant taking two hundred card payments on a Saturday, the shop juggling tills and web orders, the trader who cannot wait a week for settlement.
One account. Every way your business moves money.
Payments in, payments out, and everything in between, built to work together instead of living in separate tabs.
Payments
Accept cards, transfers and digital wallets in person and online, with a single view of every transaction as it clears.
Accounts
Dedicated IBANs and local details, open in minutes.
Corporate cards
Issue and control team spend from one dashboard.
Cash-flow insights
Raw transaction data, turned into decisions.
Pay by link
Get paid without a website or a terminal.
The life of a payment, from tap to bank.
Most providers make settlement a mystery. We put the whole journey on one timeline, so you always know where a pound is and when it lands.
Where FinBanq businesses get paid
Share of transaction volume across the platform, last quarter
Time to cleared funds
Typical wait from sale to spendable money
Illustrative comparison based on standard published settlement terms for UK card acquiring, August 2026.
Hold, send and receive in the currencies your business actually trades in.
Skip the conversion fees and the waiting. FinBanq accounts settle in over 35 currencies, with local account details so you can get paid like a local business wherever you trade.
- Dedicated account numbers in GBP, EUR and USD
- Live exchange rates with no hidden markup
- Next-day settlement to your linked account
Security is not a feature here. It is the foundation.
Every account, card and payment runs through the same rigorous safeguards, quietly and in the background, so you never have to think about it.
Regulated foundations
FinBanq services are powered by Andaria Financial Services UK Limited, authorised by the Financial Conduct Authority as an Electronic Money Institution under the Electronic Money Regulations 2011 (FRN 933187). Customer funds are safeguarded separately from operating capital, in line with e-money safeguarding rules.
End-to-end encryption
Every payment, login and data transfer is encrypted in transit and at rest, so sensitive information stays sensitive.
Real-time fraud monitoring
Every transaction is screened the moment it happens, with anomalies flagged before they become a problem.
Multi-factor authentication
Access to your account and every high-value action is protected by more than a password.
From application to your first payment, in days.
A straightforward onboarding sequence, designed so you spend less time on paperwork and more time trading.
Apply online
Tell us about your business. It takes about ten minutes, with no branch visit required.
Verify your business
We confirm your details digitally, so most applications are reviewed within a working day.
Fund your account
Move existing balances over or start receiving payments straight into your new account.
Start moving money
Issue cards, connect your payment gateway, and watch your cash flow in real time.
Today's activity
30-day cash flow
Know exactly how the day is going, from anywhere.
Every sale, settlement and card swipe lands in one dashboard. Watch takings update in real time, pull reports for the books, and check in from your phone whenever you need to.
- Live balances across every currency you hold
- Downloadable settlement reports for bookkeeping
- Full transaction search, refunds included
What businesses on FinBanq are saying.
Switching our accounts over took an afternoon, not a month. Payments settle the next morning without fail, and I finally have one place to check instead of three.
The multi-currency accounts alone paid for the switch. We stopped losing margin to conversion fees on every EU order we shipped.
Issuing cards to the team used to mean a spreadsheet and a lot of trust. Now I set the limit and I can see the spend the moment it happens.
Questions we hear most often.
Still not sure?
Our team can walk you through pricing and setup before you commit to anything. No scripts, no hold music.
Talk to a specialistNext-day settlement is standard on FinBanq. You can track the previous day's activity in your dashboard and download settlement reports for your records at any time.
Most applications are reviewed within a working day. Once approved, your account, cards and payment tools are ready to use immediately, with no separate waiting period.
FinBanq supports over 35 currencies, including GBP, EUR and USD accounts with local account details, plus wider send and receive coverage for international payments.
Yes. FinBanq services are powered by Andaria Financial Services UK Limited, an Electronic Money Institution authorised by the Financial Conduct Authority (FRN 933187). Customer funds are safeguarded separately from operating funds, in line with e-money safeguarding requirements.
Yes. Issue physical or virtual corporate cards to anyone on your team, set individual spend limits, and freeze or adjust them instantly from your dashboard.
Support is available around the clock, with account specialists who can see your account history the moment you get in touch. You never start over with every call.
Your money should not move slower than your business.
Open a FinBanq account in about ten minutes. Take your first payment the day you are approved.
Open an accountLet's set up your account.
Prefer to talk it through?
Our team can walk you through account setup, pricing and what fits your business before you commit to anything.