Start with the right account conversation
Speak to the team first: tell us how your business moves money and you get a straight answer on fit and a clear onboarding route before you apply.
Start your application
Tell us about your business and what you need, even if you have been declined or delayed elsewhere. FinXP reviews every application for fit before onboarding begins.
From application to live account
FinXP reviews each application to understand product fit, risk profile and operating requirements. Here is what that looks like in practice.
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01
Tell us about your business
Share your company details and jurisdiction, business model and sector, the products you need, expected monthly volumes and currencies, and your key counterparties.
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02
We review for fit
The team reviews your application to understand product fit, risk profile and operating requirements. Proper assessment is how compliance builds trust rather than friction.
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03
Get a straight answer
We tell you early whether FinXP is the right provider, which products match your flows, and what onboarding will involve.
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04
Onboard and go live
Structured onboarding with a named contact, then live access to Euro accounts, payments and payouts on European rails.
One application, three ways to build
Most clients start with a dedicated Euro account, then add cards or collections as their flows grow. Tell us what you need and the application covers it in one pass.
Complex model? Have the conversation first
The application is designed to qualify your business without exhausting it. If your structure is straightforward, gather the essentials below and it should take one sitting.
If your business model is complex, unusual, or has been declined elsewhere, speak to the team before you submit anything formal. A pre-application conversation establishes early whether FinXP is the right provider and what the onboarding route would look like, saving time on both sides.
- Company details and jurisdiction
- Business model and sector
- Products required
- Expected monthly volume and currencies
- Key counterparties and use case
- Contact details and preferred next step
Proof before you apply
The numbers behind the accounts, so you know what you are joining before you fill anything in.
European businesses onboarded across fintech, ecommerce, digital assets and cross-border commerce.
Cross-border payouts from your FinXP account, routed through direct European infrastructure.
Receive, hold and pay out in the currencies your business actually trades in.
Why Were We Declined? Understanding Payments Onboarding
Most onboarding systems score applicants against a fixed checklist, and anything that doesn't match an expected pattern gets declined automatically; often without a real explanation, regardless of how legitimate the business is.
It means a real person who understands your sector assesses your business model, controls, and history, rather than a system matching you to a generic template.
Different providers have different risk appetites, policies, and underwriting criteria. A business one provider declines may still be acceptable to another based on the same facts. In some cases, an initial decline may also come from an automated assessment, while a manual review leads to a different outcome.
Beyond standard KYC and AML paperwork, have a clear description of your business model and revenue sources, ownership structure, existing compliance controls, and any relevant licences or regulatory registrations ready.
It depends on complexity. A straightforward application with complete documentation can move quickly; a more complex business should expect a genuine review measured in weeks, not days; with clear communication throughout.
No; a considered review of a complex business often takes longer than an automated pass, and that's usually a sign of genuine assessment. What to watch for is silence, not duration.
Automated review matches your application against fixed rules and, by default, declines anything that falls outside them. Manual review applies judgement to your actual operating model, which matters most for businesses that don't fit a standard mould.
Because generic automated criteria weren't built to evaluate sectors like iGaming, FX, brokerage or digital assets properly, a considered manual review can distinguish a well-controlled complex business from a genuinely higher-risk one, which an automated check usually can't.
Apply somewhere that offers a genuine human review route, and be ready to explain the context an automated system wouldn't have seen; your revenue model, controls, and licensing status.
That a considered review of a complex business genuinely takes weeks rather than days, and that visibility into where the application stands matters more than the headline timeline; ask your provider for a status update rather than assuming a problem.