How long does the registration process take?

The registration of both companies and individuals is subject to regulatory checks. For companies, the KYC and ALM verification process typically takes no more than a week. If the company's structure and operations are complex, it may take slightly longer. For individuals, it can take anywhere from a matter of minutes to a few hours.

Are there any extra or hidden costs?

Unlike banks or intermediaries, at KEPAY we don't charge hidden fees and we offer competitive exchange rates

How can I track my payments?

In most currencies, payments are processed the same day. Each customer has access through Kepay to track the status of their payment and will receive a payment confirmation email.

Is the service regulated and supervised?

The liquidity provider that KEPAY works with, Currencycloud of the VISA inc group, is regulated and supervised for its operations in Europe by the DNB of the Netherlands, in the United Kingdom by the Financial Conduct Authority (FCA) and for the USA by the New York State Department of Financial Services.

Solutions to pay, collect and convert currencies

Your international business on a single platform

Open Account

What makes us different?

There are many currency providers, but we are proud to be the #1 choice for European business

Our commitment to our customers

We believe in fair and transparent spread setting, which is why we will be clear and honest about the cost of our services.

You will be able to see the spread of each currency in all your transactions.

The foreign - exchange market is known for its opaque pricing, where brokers often apply spread markups over time.

Let's start

Your own manager

We value long term relationships built on trust and aim to cultivate lasting clients. From day one, we strive to earn that trust through our commitment to transparency, our unique business approach, and the firm belief that our client's interests always come first.

Although we are an online platform, our clients are assigned a dedicated FX trust manager, whom they can call for any question or issues.

Let's start

About security - Currencycloud

Security is a core element of our value proposition. We are supported by the technological and regulatory backing of Currencycloud, a company owned by Visa Inc., ensuring a robust infrastructure, international standards, and audited processes to protect every transaction.

Currencycloud is a top-tier liquidity provider, regulated and supervised by the FCA, the New York State Department of Financial Services, and De Nederlandsche Bank. This guarantees security, regulatory compliance, fund protection, and competitive execution for our clients.

Let's start

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Open
Account

Funding

CONVERSIoN

pay your beneficiary

Easy online onboarding, 100% digital and free

Transfer your money to your IBAN account

Buy or sell your currencies online at a competitive price

Send money to your beneficiaries in up to 180 countries or collect payments from your clients

About security

Our strength lies in our partnership with Currencycloud, part of the VISA Inc. group, a tier-one liquidity provider regulated and supervised by the Financial Conduct Authority (FCA), the New York State Department of Financial Services, and De Nederlandsche Bank. This ensures security, regulatory compliance, safeguarding of funds, and competitive execution for our clients.

In accordance with regulatory requirements, our partner Currencycloud safeguards client funds. This means that funds deposited with Currencycloud through the KEPAY platform are safeguarded by FCA-regulated e-money partners at a credit institution.

Regulated by:

Our Solutions

1

Payments & Collects

Instant payments
No payment fees (where applicable)
Competitive spread to traditional banks
Payments to 180 countries
Transaction tracking
Powered by VISA Inc. security

2

Account in +35 currencies

Dedicated IBAN in the client’s own name for each currency.
Supports more than 35 currencies

3

Conversion
Spot & Forward

Transparent exchange rate
35 currency pairs
No hidden fees
5% upfront deposit for forwards transactions
Forward transactions up to 12 months

4

Financing (*)

Reverse factoring up to 150 days
Factoring
Long term loans

(*) Provided by our financing partners exclusively for clients in Spain

Our Customers

BUSINESS

Importers

Exporters

International employers

PRIVATE

Investors

Expats

Students

Pilots

...

Capabilities

180

Countries to pay

41

Countries where our clients are based

35

Currencies to convert

0€

No payment fees (where applicable)

Currencies to convert

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Technology

A robust platform powered by Currencycloud capabilities from the VISA Inc. Group.

Convert currencies and execute international payments online
View real-time balances and transactions history
Monitor payments and confirmations with full transparency
Transaction monitoring tracker
Protect your account with two-step verification
API integration with your ERP
Enjoy secure access to the platform 24/7

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Human Support

More than a online platform

A personal account manager assigned to your company
Operate conveniently via email / phone /Whatsapp
Full assistance during onboarding and throughout your transactions
Real-time support for any questions or issues

Preguntas frecuentes

General

Of course. The funds are protected by our partners, payment institutions regulated and supervised by regulators, such as Currencycloud, acquired by VISA Inc., regulated by the Financial Conduct Authority (FCA) in the UK, the DNB in Europe, and the New York State Department of Financial Services in the US. Funds deposited with Currencycloud through the KEPAY platform are held in a segregated account at Barclays Bank.

Yes, that's correct. When converting currencies, you can choose the conversion date, which can be spot or future. If it's a future date, you can choose a date up to one year in advance. Since this transaction is not a MiFID II product, it cannot be a non-discounted transaction (NDF). Instead, the currencies bought or sold must be delivered on the agreed-upon date. This prevents potentially speculative transactions.

Contact us for more information