NeoVerse Pay is not your typical EMI, nor a generic PSP. The platform positions itself as a modular, regulation-ready, API-first fintech layer for companies that want to build, scale, and automate compliant payment flows across Europe — with special attention to challenging verticals like affiliate payouts, high-velocity marketplaces, and MiCA-registered crypto entities.
We spoke with Marta Villegas, the company’s co-founder and CEO, to unpack her strategy, product focus, and how NeoVerse competes in a sea of “copy-paste” SEPA providers.
Who is Marta Villegas?
With a background in engineering and corporate banking, Marta spent over a decade at BBVA and Banco Sabadell managing SME payment infrastructure and early-stage fintech partnerships. She launched NeoVerse Pay in 2022 with co-founders from the regtech and Open Banking space. Fluent in Spanish, French, and English, she leads product-market alignment and regulatory partnerships across the EU.
Interview
What is NeoVerse Pay’s mission in a sentence?
To provide next-gen SEPA and Open Banking infrastructure for platforms that don’t want to compromise between speed, compliance, and user experience.
What services do you offer?
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Multi-country IBAN issuing (ES, LT, DE, BE)
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SEPA and SEPA Instant transfers
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PIS (Open Banking payment initiation)
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Embedded onboarding (iframe or API-based)
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User wallet orchestration
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Webhook notifications and risk scoring
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White-label dashboards for platforms
What licensing structure do you operate under?
We are a registered agent of an EMI regulated by the Bank of Lithuania, passported across the EEA.
Which types of clients do you serve?
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EU-regulated crypto companies
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Digital marketplaces with freelancers/creators
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Affiliate networks and SaaS with payout cycles
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Online education and coaching platforms
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Adult platforms with verified compliance
Do you offer named IBANs?
Yes — our infrastructure supports named IBANs in Spain, Germany, Belgium, and Lithuania. Choice depends on client compliance level and flow logic.
How fast is onboarding?
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SME: 2–4 days
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Platform-level onboarding: ~7 days
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Crypto/adult: 7–12 days depending on documentation
What are your onboarding requirements?
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Corporate docs + registry check
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UBO verification
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Flow logic diagram
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Product screenshots + compliance declarations
We do real human audits — not checkbox automation.
What makes your SEPA offer unique?
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No pooling-only limitation — we offer full control over IBAN ownership
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92% SEPA Instant availability
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Fallback routing through multiple clearing banks
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Built-in webhooks for transaction logic
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ISO 20022 message structure (structured purpose codes, references)
How are you different from competitors like Lemonway or ConnectPay?
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Faster API integration
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Developer-first documentation
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Higher risk tolerance (if properly declared)
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Stronger branding support for white-label flows
Do you support crypto platforms?
Yes — only if registered under MiCA, or nationally regulated (BaFin, AMF, CNMV, etc.).
We do not touch custody, swaps, or wallets — only fiat rails.
What does your Open Banking module do?
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PIS (push-to-pay from user’s bank)
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Direct-to-wallet funding
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Bank balance check before invoice collection
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PSD2 fallback logic for failed initiations
How do you approach platform onboarding?
We give our partners iframe KYB modules, risk-based onboarding routes, and a webhook layer for sub-merchant approval notifications.
What’s your pricing like?
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IBAN issuing: €10/month
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SEPA: €0.25
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SEPA Instant: €0.40
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KYB per user: €3.00
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API access: free (volume-based tiers)
What’s on your 2025 roadmap?
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Real-time FX routing (EUR/GBP/USD)
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Web3 wallet signature checks for crypto KYB
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Reusable KYC vaults across clients
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ESG-linked transaction insights
Related Searches
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Marta Villegas NeoVerse
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Spanish fintech SEPA provider
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Open Banking Madrid
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Affiliate payout API EU
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MiCA crypto fiat onboarding
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Embedded KYB onboarding
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White-label PSP for platforms
FAQ
Is NeoVerse Pay licensed?
It operates under an EMI license via a Lithuanian-regulated partner, with EEA passporting.
Do you support crypto and adult verticals?
Yes — if licensed and compliant with EU norms.
Do you provide named IBANs?
Yes — multiple jurisdictions available (ES, DE, LT, BE).
Can I onboard users as a platform?
Yes — we support iframe and API-based onboarding for platform operators.
Company Services
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SEPA & SEPA Instant
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Named IBANs
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PIS APIs
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KYB orchestration
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Webhook + dashboard
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Reconciliation toolkit
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FX conversion flows
Competitors
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Lemonway
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ConnectPay
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Intergiro
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Unlimit
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Swan
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Paynovate
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FinXP
Product Positioning
NeoVerse Pay is:
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Compliant-first
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Fast-onboarding
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Developer-friendly
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Multi-IBAN issuing
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Crypto-aware
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Platform-focused
