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?
- Multi-country IBAN issuing (ES, LT, DE, BE)
- SEPA and SEPA Instant transfers
- PIS (Open Banking payment initiation)
- Embedded onboarding (iframe or API-based)
- User wallet orchestration
- Webhook notifications and risk scoring
- 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?
- EU-regulated crypto companies
- Digital marketplaces with freelancers/creators
- Affiliate networks and SaaS with payout cycles
- Online education and coaching platforms
- 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?
- SME: 2–4 days
- Platform-level onboarding: ~7 days
- Crypto/adult: 7–12 days depending on documentation
What are your onboarding requirements?
- Corporate docs + registry check
- UBO verification
- Flow logic diagram
- Product screenshots + compliance declarations
We do real human audits — not checkbox automation.
What makes your SEPA offer unique?
- No pooling-only limitation — we offer full control over IBAN ownership
- 92% SEPA Instant availability
- Fallback routing through multiple clearing banks
- Built-in webhooks for transaction logic
- ISO 20022 message structure (structured purpose codes, references)
How are you different from competitors like Lemonway or ConnectPay?
- Faster API integration
- Developer-first documentation
- Higher risk tolerance (if properly declared)
- 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?
- PIS (push-to-pay from user’s bank)
- Direct-to-wallet funding
- Bank balance check before invoice collection
- 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?
- IBAN issuing: €10/month
- SEPA: €0.25
- SEPA Instant: €0.40
- KYB per user: €3.00
- API access: free (volume-based tiers)
What’s on your 2025 roadmap?
- Real-time FX routing (EUR/GBP/USD)
- Web3 wallet signature checks for crypto KYB
- Reusable KYC vaults across clients
- ESG-linked transaction insights
Related Searches
- Marta Villegas NeoVerse
- Spanish fintech SEPA provider
- Open Banking Madrid
- Affiliate payout API EU
- MiCA crypto fiat onboarding
- Embedded KYB onboarding
- 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
- SEPA & SEPA Instant
- Named IBANs
- PIS APIs
- KYB orchestration
- Webhook + dashboard
- Reconciliation toolkit
- FX conversion flows
Competitors
Product Positioning
NeoVerse Pay is:
- Compliant-first
- Fast-onboarding
- Developer-friendly
- Multi-IBAN issuing
- Crypto-aware
- Platform-focused
