COMING SOONThe early access waitlist is open

Collect, hold and pay out in every currency you trade in.

Multicurrency IBANs, mass payments, merchant services and a payment gateway, managed from one NivoPay business account.

An international account that travels with you.

Your own IBAN, balances in several currencies, and the exact rate shown before every transfer.

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Talk to sales →See pricing →
EUR ACCOUNT
€184,220.40
IBANDE89 3704 •••• 4410
BICNIVODEFF
MASS PAYOUT72%
248 contractors · EUR 312,480
179 paid · 69 processing
Card payment received · USD 1,240.00
MIRA OKAFOR · TOTAL IN CAD
$4,210.30
EUR
1,860.00
GBP
320.45
USD
740.10
INCOMING · TODAY 09:42
+1,200.00 EUR
From Studio Arda · SEPA
PRODUCT SUITE

Everything your business needs to move money.

Use one product or all four. Balances, reporting and support are shared across them.

One account for your money across borders.

Receive, hold, convert and send, from one personal account.

Open an account
USDUS Dollar
EUREuro
GBPBritish Pound

Multicurrency IBANs

Dedicated IBANs and local account details to hold and receive funds in multiple currencies.

Batch · 248 payees
LFLena F.Paid
TRTomás R.Paid
PNPriya N.Processing

Mass Payments

Pay suppliers, contractors and payroll in one batch file or via API, with a status for every line.

TODAY'S SALES
CAD 18,642.90
Tap · CAD 12.50

Merchant Services

Accept cards and local payment methods in store and online, settled to your NivoPay balance.

ORDER TOTAL
CAD 129.00
4242 •••• 4242
Pay now

Payment Gateway

One integration for checkout, recurring billing and payouts, with hosted or embedded flows.

CADCanadian Dollar
EUREuro
GBPBritish Pound

Multicurrency IBAN

Your own IBAN in your name to receive salary, freelance income or money from family.

You sendCAD 1,000.00
Ravi receivesINR 60,940.00
Fee shown before you send

Send money abroad

Transfer to bank accounts in other countries, with the fee and amount received shown upfront.

CONVERT
500.00335.75
1 CAD = 0.6715 EUR

Currency exchange

Hold several currencies and convert between them when it suits you.

ONE PLATFORM

Your company's money, on one platform.

Everything your money does, in one app.

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Learn more →
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FX CONVERTER

Know the amount before it lands.

Convert between balances or send in another currency. You confirm the rate and the amount received before any money moves.

You send
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They receive
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Start a transfer Indicative rate. Final rate shown before you confirm.
WHY NIVOPAY

Built for how money moves across borders.

TOTAL BALANCE · CAD EQ.+8.4% this month
CAD 468,204.12
EUREuro184,220.40
USDUS Dollar92,015.00
GBPBritish Pound40,300.12
VISIBILITY

See every balance in one dashboard.

Track balances, incoming funds and outgoing payments across currencies and entities, in real time.

Explore accounts
CONTROL

Pay out at scale, with approvals built in.

Prepare a payment run once, route it through the right approvers, and release it in one click.

Explore mass payments
BATCH #0412April payroll · 96 payees
AK
Ana K.Prepared the batch
Done
MB
Marc B.Finance approver
Approved
SL
Sara L.Final approver
Waiting
Release CAD 96,120.00
Incoming
Studio ArdaSEPA · to your EUR IBAN
+1,200.00 EUR
Kite Labs Ltd.Faster Payments
+640.00 GBP
Northwind LLCACH
+950.00 USD
GET PAID

Get paid from abroad like a local.

Share your IBAN with clients and family. Money arrives in its own currency, ready to hold or convert.

About your IBAN
NO SURPRISES

Know exactly what you will pay.

Every transfer shows the fee, the rate and the amount received before you confirm.

See pricing
CAD 1,000.00
Transfer fee– CAD 3.50
Amount convertedCAD 996.50
Rate1 CAD = 60.94 INR
Ravi receivesINR 60,727.71
Shown before you confirm. Sample figures.
Looking for a personal account?Your own IBAN, multiple currencies and transfers abroad.
Running a business?Mass payments, merchant services and a payment gateway.