B2BINPAY review

The only card here you can price alone#

Incoming rates tiered by volume and asset class, outgoing crypto at no charge, SEPA withdrawal at 0.50% plus five euro, SWIFT at 0.60% plus thirty-five. Every component a finance function asks about has a number attached, and almost nothing else in this index does that.

That is worth stating as a feature because it is so unusual. Across the providers indexed here, most publish a headline and stop, and the components they omit are typically larger than the one they show.

Read the tier you are actually in#

The 0.25% headline belongs to the top tier, above five million a month. A merchant arriving at the entry tier pays 0.40% on coins and 0.50% on stablecoins and tokens, which is roughly double and still competitive here.

The stablecoin line is the one to plan against, because that is where most merchant volume lands in practice. Model 0.50% and treat anything better as upside rather than the reverse.

The bank minimum that excludes most merchants#

Five thousand on deposits and withdrawals rules the fiat rails out entirely for a business withdrawing two thousand a month, regardless of how good the percentages look. It is a harder constraint than the tier structure and it is easy to miss.

Establish whether it applies per transaction or per period before assuming it excludes you. For a merchant it does exclude, the crypto side of this card still works and the settlement side simply is not available.

Settlement timing is published, which is rare#

Crypto settlement immediate, fiat T+1, both stated rather than described. Most of this category treats settlement timing as a matter for a sales conversation, so a card that commits to it in public is doing something different.

For a treasury function that plans around cash arrival dates, that single line may matter more than the rate. Confirm it applies to your currency and rail before relying on it.

What it does not publish#

An asset count, a conversion spread, white label, recurring billing and point of sale. Five fields recorded as not disclosed, which for the most numerically forthcoming card in the index is a strange asymmetry: the money is fully priced and the product surface is not.

Four named networks — Bitcoin, Ethereum, Tron and BNB Chain — is a floor rather than a list. A merchant needing a particular token on a particular chain has to ask, and that question is worth sending before anything else.

Who this card is built for#

Brokerages, exchanges and forex businesses moving substantial crypto volume with real banking requirements. The verticals named are ecommerce, forex and igaming, and the bank minimum tells you which end of each it expects.

It is also the right card for anyone who has to justify a payments vendor with a total cost figure. That case is decided by what is published rather than by what is cheapest, and here they happen to point the same way.

Who should look elsewhere#

A small merchant, particularly one withdrawing to a bank. The five thousand minimum is decisive and no amount of tier structure changes it. The small-business list covers providers with rates that apply from the first transaction and no floor.

A business needing white label or point of sale, since neither is documented here and several competitors publish both.

How this card scores where it does#

Cost scores strongly on completeness rather than on the headline, which is deliberate in the method: a published component beats an unpublished one because a reader can check it. Onboarding scores lowest and drags the total, on the volume and banking constraints.

At 74% disclosure this sits near the top of the index. The number is a measurement of the provider rather than of our research, and it is the most useful single figure on the card for anyone deciding how much of the evaluation happens over email.

One thing to check for your own case#

Whether the five thousand bank minimum applies to you at your typical withdrawal size. It is the single line most likely to make an otherwise excellent card unusable, and it is answered in one email.

If it does not apply, this is the most completely priced relationship available in this category, and the evaluation is largely finished. If it does, the crypto side still works and the settlement side needs another provider.