As the demand for faster, programmable, and compliant payments continues to rise in Europe, infrastructure players like FundoraPay are gaining traction by offering lean APIs, instant SEPA rails, and white-labeled flows for fintechs and B2B platforms. We spoke with Aleksandar Petrovic, the company’s CTO, to discuss their product vision, tech stack, and how engineering culture is the key to unlocking financial UX at scale.
Who is Aleksandar Petrovic?
Aleksandar is a Serbian-born full-stack engineer and infrastructure architect with 15+ years of experience in fintech, previously working with B2B SaaS platforms and white-label PSPs. Since co-founding FundoraPay in 2021, he has led its API development, core banking integration, and Open Banking orchestration strategy.
Interview
What is FundoraPay in one sentence?
An API-native payment platform offering SEPA Instant, Open Banking, and programmable IBAN flows for EU-based platforms and high-volume merchants.
What are your core products?
-
SEPA & SEPA Instant (SCT Inst)
-
Pooled and Named IBANs (LT, DE, BE)
-
PIS (payment initiation) and AIS (account info)
-
White-label checkout & onboarding
-
FX conversion rails (EUR, GBP, RON, HRK)
-
Transactional webhooks and web-based dashboards
Are you an EMI?
We operate as a technical provider under partnership with licensed EMIs in Lithuania and Belgium.
Do you issue IBANs directly?
Yes — through partner EMIs. FundoraPay handles the orchestration, logic, KYC/KYB layer, and dashboard UX.
How long does onboarding take?
-
Low-risk (EU SMEs, platforms): 1–3 business days
-
Crypto, affiliate, adult, or multi-jurisdictional entities: 7–10 days
What is your SEPA Instant coverage?
~89% of transactions settle via SEPA Instant. We default to it and revert to standard SCT if unsupported.
What verticals do you serve?
-
Marketplaces (B2B and C2C)
-
Creator economy tools
-
Affiliate marketing and referral apps
-
Licensed crypto platforms
-
On-demand freelance platforms
-
EU-regulated adult content providers
How do you handle compliance as a tech provider?
We don’t skip responsibility — we integrate:
-
KYB APIs (company registry verification)
-
Sanctions & adverse media screening (EU/UK/US)
-
AML behavior scoring
-
Audit trail on flows and dashboards
-
KYT-ready infrastructure for crypto partners
What makes FundoraPay unique technically?
-
Microservice architecture (Python + Go)
-
REST APIs + webhook notifications
-
Embedded onboarding flows with no-code configuration
-
Fully containerized infrastructure (Kubernetes-based)
-
Open Banking connectors (via custom wrappers and fallback logic)
What are your pricing principles?
-
Transparent & scalable:
-
IBAN issuing: €5–10/month
-
SEPA: €0.15–0.35
-
SEPA Instant: €0.20–0.50
-
KYB check: €1.50–2.00
-
FX spread: 0.3–0.5%
Revenue-sharing models are available for platforms.
-
Do you support crypto merchants?
Yes — only if licensed/registered (EU, UK, or Swiss VASP).
We offer fiat IBAN flows and partner with external OTC providers for settlements.
How do you approach tech integrations?
We support:
-
REST API with token auth
-
Webhooks (failover & retry logic)
-
CSV import/export
-
Hosted onboarding + iframe version
-
Zapier & Make.com no-code modules (Q4 2025)
What’s next on your roadmap?
-
Open Banking AIS enrichment (invoice scoring, salary detection)
-
QR-code PIS flows for e-commerce
-
Integration with Baltic and Romanian local schemes
-
SaaS billing plug-in for SEPA-enabled subscriptions
Related Searches
-
FundoraPay fintech
-
SEPA Instant API provider
-
IBAN issuing Serbia
-
Open Banking platform
-
Crypto-friendly payment rail
-
B2B marketplace payments EU
-
Embedded SEPA for platforms
FAQ
Is FundoraPay licensed?
No, FundoraPay is a technical agent operating under partner EMIs.
Do you support crypto?
Yes — if regulated. Fiat rails only; no direct crypto custody or swap.
Can I issue IBANs?
Yes — with KYB and expected flow justification.
How many IBANs can I get?
From 1 to 1,000 — depending on use case and partner EMI rules.
Company Services
-
SEPA & SEPA Instant
-
Pooled & named IBANs
-
Open Banking (PIS/AIS)
-
White-label onboarding
-
Compliance stack integration
-
No-code onboarding plug-ins
-
Transactional analytics
Competitors
-
Mangopay
-
Unlimit
-
Intergiro
-
Wallester
-
Neopay
-
Volt.io
-
Orenda
Product Positioning
FundoraPay is:
-
Developer-centric
-
API-native
-
Crypto-tolerant
-
EU payment infrastructure
-
Embedded onboarding
-
SME and platform focused
