FinwayPay is a fast-growing fintech bridging European SEPA rails, Open Banking APIs, and payout automation for platforms needing fast, compliant, and multi-beneficiary settlements. Headquartered in Warsaw and expanding across the Baltics and DACH region, FinwayPay is becoming a go-to partner for affiliate platforms, payroll aggregators, and gig marketplaces.
We sat down with Katarzyna Wójcik, COO of FinwayPay, to discuss their growth, risk strategy, and their role in embedded payouts and B2B2C fintech.
Who is Katarzyna Wójcik?
Katarzyna is a payments and compliance strategist with 12+ years of experience across Polish PSPs, payroll processors, and B2B marketplaces. She joined FinwayPay in 2022 to scale operations, compliance automation, and cross-border onboarding. Her team today supports 1,200+ SME and platform clients across the EEA.
Interview
What is FinwayPay in one sentence?
A SEPA-native fintech powering B2B2C payouts, IBANs, and Open Banking flows for digital businesses in Europe.
What do you offer exactly?
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EUR IBANs for platforms and end users
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Mass payouts to SEPA beneficiaries
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Embedded payout APIs (batch or single)
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Real-time reconciliation
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Beneficiary verification tools
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Open Banking-based confirmation of payee (CoP)
What’s your main use case?
Automated payments from platforms to hundreds or thousands of end users — like affiliate commissions, gig payouts, or merchant settlements.
Do you issue virtual or personalized IBANs?
Both. Most clients start with pooled virtual IBANs and scale to named IBANs for branding or flow separation.
Are you a licensed EMI?
No — we operate under agent status in the EU and partner with a licensed EMI in Lithuania for safeguarding and flow management.
Who are your typical clients?
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Affiliate networks
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Freelance marketplaces
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Payment facilitators
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Payroll platforms
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Micro-lenders
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Web3-to-fiat bridges
What regions do you serve?
All EEA countries. We are onboarding more clients in Germany, the Netherlands, France, and Poland.
What are your compliance standards?
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EU AMLD-6 aligned
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Transaction monitoring and blacklist screening
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UBO and business activity verification
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Sanctions and adverse media monitoring
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KYB API integrations for platforms
Do you support SEPA Instant?
Yes — 70%+ of outgoing SEPA flows are delivered in seconds via SEPA Instant.
What onboarding time should clients expect?
Typically 3–7 days for platforms. End users (beneficiaries) can be onboarded via API in seconds if pre-approved.
Do you support payout APIs?
Yes — RESTful APIs for batch uploads, webhook triggers, and status updates. We’re building a no-code dashboard for smaller clients.
Do you integrate with Open Banking?
Yes — we use Open Banking for:
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Confirming beneficiary identity
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Validating linked accounts
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Future PIS-based payouts
What about card payouts or top-ups?
Not today. Our focus is SEPA-native bank payouts and reconciliation, not card rails.
What’s your risk appetite?
We’re moderate-risk friendly: affiliate, influencer, and digital content platforms are welcome. We don’t support adult, unlicensed gambling, or crypto-exchange flows.
How is pricing structured?
Fixed monthly plans + per-payout fees. APIs, reconciliation, and IBANs included depending on the plan.
What differentiates you from others?
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Very fast onboarding
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Flexible APIs
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Automated reconciliation
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White-label branding options
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Strong Polish-German customer support
What’s coming next?
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GBP payouts
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German IBAN issuing
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FX conversion tools
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Affiliate commission engine
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Embedded PIS + wallet integration
Related Searches
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FinwayPay payouts
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SEPA mass payout API
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Fintech Poland EMI
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Affiliate payment platform
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Open Banking for platforms
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IBAN for gig workers
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Embedded finance Warsaw
FAQ
Is FinwayPay licensed?
It operates as an agent of a licensed EMI in Lithuania, fully regulated under EU PSD2.
Can I onboard multiple end users?
Yes — via dashboard or API, with automated KYB/KYC options.
Do you offer IBANs?
Yes — pooled or named EUR IBANs for platforms and their clients.
Is SEPA Instant supported?
Yes — when the receiving bank supports it.
Can I embed FinwayPay into my platform?
Yes — we offer white-label payout modules and APIs.
Company Services
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Mass payouts (SEPA)
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Pooled and named IBANs
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SEPA Instant
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Beneficiary verification
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Open Banking APIs
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Reconciliation automation
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Platform integration
Competitors
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Paysera
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Lemonway
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MANGOPAY
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Intergiro
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Bankable
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Modulr
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Treezor
Product Positioning
FinwayPay is:
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SEPA-native
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API-first
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Designed for platforms
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Fast onboarding
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Moderate-risk friendly
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B2B2C payout enabler
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Focused on the affiliate and gig economy
