
EU IBAN, in your name
Give EU clients a euro IBAN instead of your local account
A European account in your own name. Payments from EU clients arrive as domestic transfers

Open it online and share the IBAN with your clients. They pay you the way they pay any European supplier — with a standard SEPA transfer

A euro account for getting paid by clients in the EU

Give EU clients a euro IBAN instead of your local account

Regular SEPA: next business day. SEPA Instant: up to 10 seconds, 24/7

Quote your price in EUR, get paid in a EUR account

No forced conversion on arrival — you decide when to move them
Four steps to receiving payments from EU clients

Fill in a short application in the Blackcat app, with no office visits
Confirm your identity with an ID document so we can activate your account
Send your client the IBAN in your name, just like any other European account details
Your client pays by SEPA / SEPA Instant, and the euros arrive in your account

Open as many as you need to separate client income, tax reserve and personal spending

Earn a reward on your euro balance without locking it away

Issued by Papaya Ltd., an Electronic Money Institution, licence No. C55146.
Your funds are held in segregated accounts, separate from Papaya Ltd.’s own money.
We will be happy to clear all of your concerns
We open accounts for residents of non-sanctioned jurisdictions only. The decision comes after verification
Yes. They enter your IBAN and send a standard SEPA transfer
Next business day on a standard transfer, about ten seconds by SEPA Instant
No. We don't convert euros into pesos, reais or any other local currency, and we don't pay out to local accounts
No. Invoicing, tax registration and export-of-services paperwork stay with you and your accountant
