PanPay

Built for BusinessWithout Borders.

Collect GBP through UK payment rails, receive funds internationally through SWIFT, pay approved beneficiaries globally, and use FX for supported cross-currency payment flows for B2B-Trade and E-Commerce businesses.

Talk to our team Explore business accounts
FPSUK localCHAPShigh valueSWIFTglobal20+currencies100+marketsBUSINESS + PERSONALbeneficiariesFX-ENABLEDpayments

Two account structures.
One global operating model.

Choose a focused GBP account for UK payment rails or a multi-currency structure for B2B-Trade and E-Commerce businesses with broader international collection needs.

LOCAL + GLOBAL
B2B-TradeE-Commerce

GBP Business Account

Receive GBP locally through FPS and CHAPS, and collect international funds through the SWIFT network.

  • UK local GBP collection
  • High-value GBP settlement
  • Global SWIFT receipts
GLOBAL
B2B-TradeE-Commerce

Multi-currency Business Account

Use one account structure to receive EUR, NOK, CHF, DKK, SEK, CZK, PLN, USD and CAD through SWIFT.

  • One global collection structure
  • Multiple settlement currencies
  • Designed for international B2B-Trade

Payments that fit how
global businesses work.

See all payment capabilities →

Pay across 100+ marketsSettle in 20+ currencies

Support supplier payments, E-Commerce settlement flows and other approved beneficiary payouts through one connected business payment model.

Supplier settlementGBP → EUR
Service provider payoutUSD → CAD
Trade invoice fundingEUR → PLN

Fewer intermediaries

Use direct UK payment rails for eligible GBP flows and reduce avoidable routing complexity.

20+ currency FX

Use FX within eligible cross-currency payments when the debit and payout currencies differ.

Business & personal beneficiaries

Support a broader range of legitimate payout scenarios from one payment workflow.

Global SWIFT collection

Receive international funds through established global banking infrastructure.

Local speed. Global reach. Compliance-led delivery.

PanPay is designed for B2B-Trade and E-Commerce businesses with recurring local and international collection, payment and FX needs.

Why PanPay
Regulated payment infrastructurefor B2B-Trade and E-Commercebusinesses across global markets.
20+supported payment and FX currencies
100+countries and regions for payouts
3core networks: FPS, CHAPS and SWIFT
UK EMIauthorised regulatory framework

From onboarding to operating.

Complete onboarding, pass compliance review and start using your account for collections, payments and FX.

  1. 01

    Create access

    Sign up or sign in to begin onboarding for your business account.

  2. 02

    Complete KYC review

    Submit your company profile, KYC questionnaire and account application for review.

  3. 03

    Account activation

    Once approved, your account is opened and ready for collections, payments and FX.

Compliance is built into every step.

PanPay UK operates as an FCA-authorised Electronic Money Institution with onboarding, payment validation and fraud-control processes designed for business payment activity.

Regulated entity

Authorised and regulated by the Financial Conduct Authority under FRN 1015835.

AML Check

Customer and transaction screening supports due diligence, sanctions review and ongoing anti-money laundering control.

Confirmation of Payee

CoP checks help validate relevant account-name details before eligible outbound payments are completed.

Fraud controls

APP Fraud and unauthorised fraud checks are applied through layered validation, monitoring and review processes.

Build a clearer route for your business payments.

Tell us where you collect, which currencies you pay, and how your B2B-Trade and E-Commerce payment flows work.

Contact PanPay