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.

Modern building with glass facade featuring an abstract map of Europe and digital wave patterns.
Security

Built for complex payment flows

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

Shopping

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

Heart

Instant payments

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

Security

Reliable at scale

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

A woman in a teal blouse works on a laptop, focused, with plants and a coffee cup nearby.

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.

Businesswoman reviewing documents at a desk with a laptop and coffee cup in a modern office.

The complete payment lifecycle

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

Silhouette of a person in a suit holding a tablet, viewed through frosted glass.

Safeguarding accounts

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

A person examining transparent cards displaying financial information on a desk.

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.

Two individuals collaborating at a desk, reviewing code on computer screens.

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.

Two professionals discuss a compliance workflow diagram on a glass wall in an office setting.

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.

Frequently asked questions

Power-up your payment operations with Multitude Bank.

Tell us more about your business and payment infrastructure needs.