Modern payment infrastructure for regulated institutions

One regulated platform for complex, high-volume payment operations - send and receive funds in real time across Sweden, the Czech Republic and the Eurozone, all through a single integration.

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Built for complex payment flows

Benefit from payment infrastructure designed for institutions operating in regulated environments, where complex flows are the norm

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Accounts tailored to your needs

Virtual accounts for your clients, safeguarding accounts and operational accounts for your own liquidity - we support the structure that fits your needs in SEK, CZK and EUR

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Instant payments

Send & receive real-time payments through instant payment schemes: RIX-INST (SEK), CERTIS Instant (CZK), SEPA Instant (EUR)

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Reliable at scale

Resilient payments' processing that holds steady as your volumes climb. Engineered for operations that can't afford downtime

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Local rails, not just SEPA

Clear payments through our direct participation in RIX and Bankgirot (Sweden), CERTIS (Czech Republic), plus SEPA reach across the Eurozone - without intermediaries or settlement delays.

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The complete payment lifecycle

Send & receive instant and regular payments in SEK, CZK and EUR currencies, managed end to end on one platform.

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Safeguarding accounts

Separate customer funds from operational balances through safeguarding account setup designed for regulated institutions.

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Virtual accounts

Issue every client their own virtual account, whether it's a business or an individual, and automate reconciliation within virtual & master account setup.

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Integrate your way

Operate through a single API integration, or hands-on control via the Online Banking portal - we adapt to your preferred operational method.

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Regulatory compliance

We deliver the strength and security of a fully licensed credit institution, paired with payment infrastructure built for the complex flows fintechs & regulated institutions run today.

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Frequently asked questions

Power-up your payment operations with Multitude Bank.

Tell us more about your business and payment infrastructure needs.

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