As one of the few female COOs in the European fintech space focused on infrastructure-level solutions, Saskia Verhoeven has helped EURampay scale from a boutique SEPA enabler into a fully-fledged multi-rail payout hub serving digital merchants, agencies, and alternative platforms across 12+ EU markets.
We spoke with Saskia to understand how EURampay differentiates itself from EMI giants and how operational simplicity, partner alignment, and embedded trust are the keys to merchant satisfaction in 2025.
Who is Saskia Verhoeven?
Born in Rotterdam and educated in Belgium, Saskia spent over 12 years in operations and compliance roles at various PSPs and EMIs across Benelux and Germany. She joined EURampay in 2022 to streamline their growing operations, optimize settlement pipelines, and standardize risk frameworks for platform-based merchants.
Interview
What is EURampay in one sentence?
We provide seamless SEPA and Open Banking payout rails to regulated and semi-regulated merchants in Europe — with clean onboarding and human support.
What services does EURampay provide?
- SEPA Credit Transfer (SCT) payouts
- SEPA Instant payouts
- Pooled and Named IBAN issuing
- Open Banking API (PIS)
- Embedded onboarding (KYB modules)
- Risk monitoring and webhook reconciliation
Are you an EMI?
No — we act as an agent of a regulated EMI in Lithuania, under full PSD2 compliance.
What are your strongest merchant verticals?
- Influencer payouts & creator platforms
- B2B digital marketplaces
- Licensed crypto exchanges
- Adult content platforms (regulated, compliant)
- Affiliate & performance marketing agencies
- Pay-per-call and sales automation providers
Do you onboard merchants directly?
Yes — using our embedded KYB stack. Merchants or platforms can onboard their own sub-clients via API or hosted flow.
What makes EURampay unique operationally?
- Fast onboarding (<5 business days)
- Transparent compliance requirements
- Stable settlement schedule
- Daily client reconciliation
- Clear support for high-volume / mid-risk flows
What is your SEPA Instant coverage?
~87% of all outbound payments go via Instant. We encourage merchants to use IBANs compatible with Instant-receiving banks.
How does your Open Banking module work?
- We initiate payment via PIS (no card fees)
- Immediate confirmation or fallback suggestion
- Status updates via webhooks
- Full log access for audits
Do you support payouts to freelancers or creators?
Yes — we offer virtual IBANs + KYB-lite modules for registered freelancers in the EU, UK, or EEA.
How are you different from Swan or Lemonway?
We’re leaner, faster, and risk-aligned.
- We don’t block on verticals like crypto, adult, or affiliates.
- We adapt to the operational speed of our clients.
- We prioritize SEPA and Open Banking over cards or APMs.
What payout options do you offer beyond SEPA?
- SWIFT for non-EU clients
- Crypto on/off ramps (partnered)
- Local payouts in PLN, CZK, HUF for verified clients
Do you provide real-time monitoring?
Yes — clients can access alerts for failed payments, delayed batches, or irregular flows. Plus, manual override tools.
What’s your roadmap for 2025–2026?
- Debit card issuing (BIN under review)
- GBP and CHF payout corridors
- AI-based KYB scoring
- API-native chargeback reputation scoring
Related Searches
- SEPA payout platform
- EURampay fintech
- Open Banking payouts EU
- High-risk friendly PSP
- Embedded KYB APIs
- Affiliate payment provider Europe
FAQ
Can I open a SEPA IBAN with EURampay?
Yes — we offer pooled and named IBANs for approved use cases.
Do you support SEPA Instant?
Yes — our default rail is SEPA Instant when the receiving bank supports it.
Is EURampay crypto-friendly?
Yes — for regulated, transparent flows. MiCA-ready exchanges preferred.
What licenses do you operate under?
We operate under agent contracts with EMIs licensed in Lithuania and passported across the EU.
Company Services
- SEPA (SCT + Instant) payouts
- Virtual IBANs
- Embedded KYB
- Webhook & API reconciliation
- Open Banking payment initiation
- Risk scoring and monitoring
- Platform client onboarding tools
Competitors
Product Positioning
EURampay is:
- SEPA-native
- Crypto-tolerant
- API-first
- Platform-compatible
- High-risk aligned
- Open Banking ready
