Business accounts • European EUR collections

European business IBAN for non-EU companies

Give European customers familiar EUR payment instructions without setting up a company in the EU. Eligible businesses can receive SEPA transfers through European payment details and settle approved revenue to USDC or USDT.

Open a business account

Payment flow

€

Client pays EUR

via SEPA transfer

✓

EurusPay handles the flow

subject to verification and compliance

₮

You receive stablecoins

to the supported wallet you provide

The challenge

Why receiving EUR is harder for companies outside Europe

A client may be ready to pay your invoice, yet the payment instructions can slow everything down. International wires often mean unfamiliar bank details, correspondent fees, longer processing chains and extra questions from the client's finance team.

The friction is especially visible during vendor onboarding. Accounts-payable teams in Europe are accustomed to EUR invoices and SEPA transfers. When a supplier can only provide non-European bank details or a crypto wallet, the client may need a special approval process—or may not be able to pay at all.

After the funds arrive, the receiving company still has to reconcile the payment, convert EUR separately and move the proceeds to the wallet used for international operations. Each additional provider creates another fee, record and potential delay.

The EurusPay approach

Receive European client payments through a business account

EurusPay gives eligible non-EU companies European EUR payment details connected to an approved business profile. Your company can place those details on an invoice, and the European client can pay in EUR through its normal SEPA workflow.

Once an incoming payment has been identified and passed the required checks, the amount can be converted and sent as USDC or USDT to the company's approved compatible wallet. The payer does not need a crypto wallet or a new payment process.

The account is opened for the legal entity—not for an employee or director personally. Company verification, ownership information and the commercial purpose of incoming payments are therefore part of onboarding.

Example

Example: a UAE agency billing a Dutch client

A digital agency incorporated in the United Arab Emirates invoices a customer in the Netherlands for €12,000. Instead of asking the customer to arrange an international wire, the agency adds its approved European EUR payment details and the correct payment reference to the invoice.

The Dutch customer pays by SEPA from its regular business bank account. EurusPay matches the transfer to the agency, completes the applicable checks and processes the selected USDC or USDT settlement to the agency's approved wallet.

The customer keeps a familiar EUR accounts-payable process. The agency receives the form of settlement it uses for international operations and retains the invoice, transfer and payout records for reconciliation.

Create the payment request

Share EUR payment instructions

Receive the supported stablecoin payout

Why it helps

Why non-EU companies use a European business IBAN

Familiar instructions for European buyers: Clients can pay a EUR invoice through their normal SEPA process.
Less vendor-onboarding friction: European payment details are easier for many finance teams to review than an overseas wire or wallet-only request.
No EU company solely for collections: An eligible foreign company may apply without creating a local entity only to receive client payments.
Business-level ownership: The account, incoming-payment review and records relate to the verified legal entity.
USDC or USDT settlement: Approved EUR revenue can be converted to the supported stablecoin selected for the payout.
Cleaner reconciliation: Connect the client, invoice, payment reference and resulting wallet transaction in one documented flow.
Separation from personal finances: Keep company revenue attached to the company rather than a founder's personal account.
Built for cross-border services: Useful for agencies, software companies, consultancies and other businesses selling to European customers.

How it works

How to get European payment details for your company

Start a business application. Choose the company-account route rather than a personal account.
Describe the legal entity. Provide incorporation, operating-country and business-activity information.
Identify the people behind the company. Submit the required details for directors, authorized representatives and ultimate beneficial owners.
Complete KYB and compliance review. Upload the requested company and identity documents and explain the expected payment activity.
Receive approved EUR payment details. Availability and the precise account setup depend on eligibility and review.
Invoice the European customer. State the beneficiary information and payment reference exactly as shown.
Let the customer pay by SEPA. The payer sends EUR from its ordinary business bank account.
Settle to the company wallet. After matching, checks and conversion, EurusPay processes USDC or USDT to the approved supported address.

Before you start

Business-account requirements and important checks

Company eligibility: Supported jurisdictions, industries and business models can change. Approval is not automatic and follows company and compliance review.

Corporate documents: Be prepared to provide incorporation records, registered address information, ownership details and evidence that the applicant may act for the company.

Commercial evidence: Incoming transfers should reflect genuine company activity. Contracts, invoices, customer details or an explanation of the service may be requested.

Company-controlled wallet: Use the exact stablecoin and blockchain network supported in the product. Confirm the destination address carefully; blockchain transfers generally cannot be reversed.

Fees, conversion and accounting: Review the quoted rate, fees and expected processing information before using the service. Keep records for bookkeeping, tax and regulatory obligations in the company's jurisdiction.

For a dedicated billing workflow, see USDC invoicing. Are you working as an individual? See European IBAN for non-EU freelancers. If settlement currency is your main question, compare EUR to USDC and EUR to USDT. To understand the next step after settlement, read how to pay business expenses with USDC or USDT.

Questions

European business IBAN FAQ

Can a non-EU company get European EUR payment details?

Eligible non-EU companies can apply for a EurusPay business account with European EUR payment details. Availability depends on the company's country, activity, ownership structure and successful KYB and compliance review.

Does the company need to form an entity in the EU?

Not necessarily. An eligible company incorporated outside the EU may apply in its own legal name. This can remove the need to create an EU entity solely to collect customer payments, but it does not replace legal or tax advice about where your company should operate.

Is this the same as a full European bank account?

It is a EurusPay business account designed to receive eligible EUR client payments and settle them through the supported flow. Do not assume it includes every feature of a traditional business bank account, such as cards, credit or unrestricted outbound banking.

Can clients pay EUR while the company receives USDC or USDT?

Yes, for approved payments and supported settlement options. The client pays EUR by SEPA; after matching, required checks and conversion, EurusPay processes the resulting USDC or USDT payout to the company's approved compatible wallet.

Make it easier for European clients to pay your company

Apply for a EurusPay business account, complete company verification and receive EUR through payment details built for cross-border client collections.