Bespoke internet and mobile bank interfaces allow you to control every aspect of your business, from your own management tools to the customer journey along the payment route.

*Open your merchant account and start getting paid online.
*Fees starting from 1.99%* + 0,10EUR
*Easy integration to start receiving payments from your customers

To apply for merchant account – GET IN TOUCH

*The transaction fee may vary depending on your business risk profile, activity, geographical location, card type and other factors.

• Business expenses (recurring payments and transfers);
• Salary projects using card issuing schemes (coming soon);
• Marketplace base trade platforms;
• Freelance service platforms;
• Affiliate programs as well as Rewards and Bonus programs;
• Travel, Airline and other booking companies;
• Payout solutions.

EMERALD is regulated by the Financial Conduct Authority (FRN 900908),
https://register.fca.org.uk/ShPo_FirmDetailsPage?id=0010X00004H7BEdQAN

and meets or exceeds national and international requirements including the Wolfsberg Standards guidance for international payments and electronic transmission of funds. All customers and transactions are vetted through multiple, internationally recognized procedures, including
• Know Your Customer (KYC)
• Anti-Money Laundering (AML)
• Counter Terrorist Funding (CTF)
• Politically Exposed Persons Lists (PEPs)

Emerald adheres strictly to current UK and EU legislation and safety precautions regarding Anti-Money Laundering and Terrorist Financing, as implemented under the United Kingdom and EU law.

EMERALD ecosystem is globally compliant at every level of integration, delivering efficient and secure payment routing. Our continuous compliance reviews and governance updates create better value for clients by satisfying internal security requirements.

EMERALD employs industry-leading risk management procedures that underpin the operation. Each transaction is monitored from the originator to the ultimate beneficiary to guarantee the integrity of every payment. EMERALD can use both innovative ‘big data’ tools, as well as third party systems such as ComplyAdvantage for transaction screening and suspicious activity reporting. Detailed profiling and background checks of every user are combined with specialist reporting systems and activity monitoring in real time to create a secure and comprehensive approach to risk management.

EMERALD has established adequate and sufficient measures in order to be able to detect fraud. Transactions are analysed in real-time based on a big-data approach, where every dimension of a transfer – including true originator and ultimate beneficiary – are mapped against known fraud patterns. Such pattern recognition methods supported by a robust technology infrastructure offer a comprehensive approach to fraud detection and supporting compliance.

All our systems, transfers, transactions and infrastructure are protected via full-stack firewalls, antivirus programs, two-factor authentication and ongoing penetration testing. In addition, we conduct passive as well as active monitoring of traffic, stringent password policies and training of employees, etc., to avoid unauthorised access.

The security processes are applied real-time, near-real-time or through batch analysis of activities by users and customers. EMERALD uses background server-based processes that examine users’ and other defined entities’ access and behaviour patterns on a perpetual basis.