# 2PayApp

> Receive, hold, exchange and send EUR, GBP and USD with 2PayApp. Access SEPA, Faster Payments, SWIFT, ACH, GB IBANs and merchant settlement capabilities.

2PAYAPP LIMITED is incorporated in British Columbia, Canada and registered with FINTRAC as a Money Services Business under registration number M23468538. FINTRAC registration is a legal registration requirement; it is not a banking licence and does not constitute an endorsement by FINTRAC. 2PayApp is not a bank.

Accounts, currencies, payment rails, account details, virtual IBANs, transaction limits and acquiring settlement capabilities are subject to onboarding, compliance approval, provider availability and the customer's approved account configuration.

The site is published in 13 languages under a locale prefix (`/en/…`, `/de/…`). The English copy below is the source; the others are translations of it.

## Product and reference pages

- [Business Payment Account](https://2payapp.com/en/business-payment-account): Multi-currency business payment account — EUR, GBP, USD
- [Merchant Settlement Account](https://2payapp.com/en/merchant-settlement-account): Receiving acquiring settlement payouts from PSPs and acquirers
- [Virtual IBANs](https://2payapp.com/en/virtual-ibans): Dedicated GB IBAN and virtual IBANs, and what each one is
- [Payment Rails](https://2payapp.com/en/payment-rails): SEPA, SEPA Instant, Faster Payments, SWIFT and ACH — coverage and timing
- [Pricing](https://2payapp.com/en/pricing): Published fees and limits
- [Eligibility](https://2payapp.com/en/eligibility): Which businesses and jurisdictions can apply
- [Account Opening](https://2payapp.com/en/account-opening): Onboarding process and the documents required
- [Compliance and Fund Protection](https://2payapp.com/en/compliance-and-safeguarding): KYC, AML and how customer funds are handled
- [Company and Regulatory Information](https://2payapp.com/en/company-and-regulatory-information): Legal entity, registered address and FINTRAC registration details
- [Business Payments Glossary](https://2payapp.com/en/glossary): Definitions of the payment terms used across the site
- [Blog](https://2payapp.com/en/blog): Index of the guides listed below, with the current set

## Guides

Every guide is also available as plain markdown at the same address with `.md` appended.

- [Receiving USD from abroad: ACH, wires and what non-residents run into](https://2payapp.com/en/blog/us-business-payments-from-abroad.md): How ACH and USD wires differ, what non-resident companies find hardest about receiving dollars, and how to reduce returns and reconciliation work.
- [What is an IBAN, and what does it actually identify?](https://2payapp.com/en/blog/what-is-an-iban.md): What an IBAN is, how it differs from a SWIFT/BIC code, when an IBAN alone is enough, and how businesses use IBANs to cut rejected payments.
- [Why business accounts get frozen, and what prevents it](https://2payapp.com/en/blog/avoid-frozen-business-accounts.md): Accounts are rarely frozen at random. Learn the patterns that trigger a compliance review, and the evidence that resolves one quickly.
- [“High risk” explained: what the label means and what to do about it](https://2payapp.com/en/blog/high-risk-merchant-settlement.md): Why a sector gets classified high risk, what it changes in pricing, reserves and onboarding, and how to present a business that carries the label.
- [Gateway, acquirer, PSP, settlement account: who does what](https://2payapp.com/en/blog/payment-provider-vs-payment-gateway.md): Four roles get called the same thing and priced separately. Learn what a gateway, an acquirer, a PSP and a settlement account each actually do.
- [SEPA for business: the schemes, the timing, the edge cases](https://2payapp.com/en/blog/sepa-payments-for-business.md): SCT, SCT Inst and SEPA Direct Debit explained for finance teams: what settles when, what the charge model guarantees, and where SEPA stops.
- [SEPA or SWIFT: choosing the right rail for a business payment](https://2payapp.com/en/blog/sepa-vs-swift-for-business-payments.md): SEPA and SWIFT solve different problems. Compare settlement speed, currency coverage, cost structure and intermediary risk before you pick a rail.
- [The regulatory questions behind every cross-border payment](https://2payapp.com/en/blog/cross-border-payment-regulations.md): Who is authorised, how funds are held, what travels with a payment and what gets screened — the four questions that decide whether money moves.
- [What a cross-border payment actually costs you](https://2payapp.com/en/blog/cross-border-transaction-costs.md): The headline transfer fee is rarely the largest cost. Break down FX spread, intermediary deductions, lifting fees and reconciliation overhead.
- [Ecommerce settlement: from checkout to money you can use](https://2payapp.com/en/blog/ecommerce-payment-settlement.md): Why online sales and settled funds never match, how payout timing shapes working capital, and what to fix so settlements reconcile to orders.
- [When a multi-currency account is worth it, and when it isn't](https://2payapp.com/en/blog/multi-currency-business-account.md): Holding EUR, GBP and USD removes the double conversion — but only if you actually transact in them. A decision framework, with the maths.
- [Opening a European business payment account: what onboarding asks for](https://2payapp.com/en/blog/open-eu-business-payment-account.md): What providers verify when a company applies for euro payment capability, why applications are declined, and how to prepare so yours is not.

## Optional

- [Privacy Policy](https://2payapp.com/en/privacy-policy): Privacy Policy
- [Terms & Conditions for Individuals](https://2payapp.com/en/terms-and-conditions-individuals): Terms & Conditions for individuals
- [Terms & Conditions for Business](https://2payapp.com/en/terms-and-conditions-business): Terms & Conditions for businesses
- [Cookie Policy](https://2payapp.com/en/cookie-policy): Cookie Policy