FINPAY is a regulated Electronic Money Institution (EMI), licensed by the Banco de España and specialised in B2B travel payments. We help travel buyers and sellers move money, manage collections and access financing — all from a single platform.

FINPAY is licensed across the European Economic Area (EEA) and supports payments to and from beneficiaries worldwide, in multiple currencies.

FINPAY is not a generic payments tool — we are a regulated EMI built specifically for the travel industry. We combine payments, collections, reconciliation and financing in one platform, with deep understanding of how distributors and suppliers actually transact.

FINPAY is led by an experienced team and board from the travel and finance sectors. Meet the people behind FINPAY on our About Us page.

Choose the onboarding that fits you. Our Lite option gets you set up in around 10 minutes, while full onboarding is completed within 48–72 hours.

For full KYB onboarding we ask for:
— VAT number registration accreditation (or equivalent).
— Articles of association and deed/memorandum of incorporation.
— Power of attorney for the person representing the company (authorising them to open accounts on the company's behalf).
— Updated Statement / Certificate of Beneficial Ownership identifying any individual or entity owning or controlling more than 25% of the company.
— Copy of the legal representative's ID card, NIE or passport.
— Company bank ownership certificate (no older than 6 months).

You can register as many authorised representatives as needed, each with their own platform permissions.

FINPAY supports e-Wallet, Virtual Credit Cards (VCC), SWIFT and Wire Transfer — all from one platform. As an affiliate member of Mastercard, FINPAY issues its VCCs directly.

Yes. FINPAY Financing is an active product that lets buyers extend payment days and sellers collect invoices ahead of schedule — off balance sheet and with no impact on your financial covenants.

Client funds are held in safeguarding accounts in line with EMI regulation, fully segregated from FINPAY's own funds. All users are strongly authenticated using SCA/2FA, and every transaction takes place within a closed, regulated banking environment.