Virtual IBAN infrastructure

Every payer gets an account number. Every payment reconciles itself.

Issue dedicated EUR and GBP virtual IBANs to your merchants, sellers and customers in one API call. Incoming funds are matched, screened and confirmed by webhook. No references to chase, no suspense account.

Request API access Read the docs

Business clients only. Live accounts follow KYB review. Sandbox access is immediate.

Collection accountActive
Live creditsSample data
    Built on regulated rails
    • SEPA
    • SEPA Instant
    • UK Faster Payments
    • BLINC instant settlement
    • Funds safeguarded with a regulated EMI
    • Business-only, KYB-verified clients
    The suite

    One ledger of virtual accounts. Six products on top of it.

    Start with collections, then switch on checkout, marketplace payouts, treasury and screening as you grow. Every product reads and writes the same sub-ledger.

    Collect Core

    Dedicated IBANs for every customer.

    Explore Collect →

    Checkout

    Pay by bank with a one-time IBAN per order.

    Explore Checkout →

    Marketplace

    Seller wallets, splits and payouts.

    Explore Marketplace →

    Treasury

    Sweeps, conversion and instant settlement.

    Explore Treasury →

    Shield Included

    Screening and first-party funds protection.

    Explore Shield →

    Reconcile API

    REST, webhooks and statements.

    Explore Reconcile API →
    How a payment moves

    From bank transfer to confirmed balance, without a human in the loop.

    Issue

    Call POST /collection-accounts with your customer's KYB ID. A virtual IBAN is created and mapped to that customer.

    Receive

    The payer sends a SEPA or Faster Payments transfer. Funds land in the pooled, segregated account.

    Match & screen

    The sub-ledger attributes the credit by IBAN. Shield checks the payer name, screens it and applies your rules.

    Confirm

    The balance is credited and a signed credit.settled webhook reaches your system.

    See the full flow →

    Who it's for

    Businesses that collect from other businesses.

    Payment service providers

    Give every merchant a named account number and settle net, daily.

    B2B marketplaces

    Split buyer payments, hold until delivery, pay sellers in bulk.

    Invoicing & ERP platforms

    Put one IBAN on every invoice and close it the moment funds arrive.

    Digital-asset businesses

    Accept only first-party fiat deposits and settle 24/7 over BLINC.

    Licensed gaming operators

    Personal deposit IBANs with name matching, for licensed operators only.
    Compliance by design

    Clean inbound flows keep banking partners comfortable.

    Most recalls start with money that should never have been accepted. Collect is built to refuse it at the door.

    • First-party funds only
    • KYB before any IBAN is issued
    • Recall cases handled end to end
    • A reporting pack your bank will read
    Our compliance programme

    Shield decision

    Sample data
    Developers

    One call to issue. One event to trust.

    Create an account, receive a signed webhook when money arrives. Everything else is a resource you can list, fetch and reconcile.

    • collection_account.createdAccount live
    • credit.receivedDecision pending
    • credit.settledFunds available
    • credit.returnedSent back, with reason
    • payout.paidOutbound confirmed

    Quickstart: issue your first IBAN →

    POST /v1/collection-accounts 
    curl https://api.neofin.tech/v1/collection-accounts \
  -H "Authorization: Bearer $NEO_API_KEY" \
  -H "Idempotency-Key: 7f1c2e4a-9b0d-4c55-a1e3-2d6f0b9c8e11" \
  -H "Content-Type: application/json" \
  -d '{
    "currency": "EUR",
    "holder": {
      "type": "business",
      "legal_name": "Helios Merchants B.V.",
      "kyb_id": "kyb_31QZ"
    },
    "external_ref": "mch_8F2K91",
    "rules": {
      "first_party_only": true,
      "max_credit_amount": 5000000
    },
    "labels": { "region": "NL" }
  }'
    201 Created 
    {
  "id": "ca_9Hc2LmQ",
  "object": "collection_account",
  "status": "active",
  "currency": "EUR",
  "iban": "FR7630004012773091526107",
  "bic": "NEOFFRP1",
  "holder": {
    "type": "business",
    "legal_name": "Helios Merchants B.V.",
    "kyb_id": "kyb_31QZ"
  },
  "external_ref": "mch_8F2K91",
  "rules": { "first_party_only": true, "max_credit_amount": 5000000 },
  "labels": { "region": "NL" },
  "created_at": "2026-11-05T14:02:11Z"
}
    Pricing

    Priced per account and per credit. No setup fee.

    Launch

    For platforms issuing their first accounts.

    €249/month
    Get started
    Most chosen

    Scale

    For platforms with checkout, marketplace flows and payouts.

    €990/month
    Talk to sales

    Institutional

    For regulated institutions and high-volume programmes.

    Custom
    Contact us

    Compare plans in detail →

    Issue your first virtual IBAN this week.

    Sandbox access is immediate. Live accounts follow KYB review of your business.

    Request API access Book a call