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Everything
you need.

International transfers, multi-currency accounts, prepaid cards, mass payouts, and API integrations โ€” in a single, compliant platform. Pricing is transparent: you see the fee and exchange rate before confirming any transaction.

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Countries supported
0+
Currencies held
0%
Platform uptime SLA
1โ€“2
Day typical transfer
Four pillars

Four pillars that
keep money moving.

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Global Reach, Local Experience

Send and receive money to 100+ countries. Where available, payments settle via local rails โ€” reducing costs and transit times compared to standard SWIFT wire transfers.

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Instant & Cost-Effective

Real-time payments on supported corridors. Competitive fixed fees and a disclosed FX margin โ€” shown before you confirm. No charges that appear after the fact.

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Built for Business, Works for Everyone

Mass payouts, currency wallets, and card issuance for enterprises. Clean personal accounts for individuals and freelancers. One platform, scalable to your needs.

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Security & Compliance First

Bank-grade TLS/AES-256 encryption. Fraud detection. Full KYC and AML programme. Regulatory compliance under UK PSRs 2017.

Feature 01

International
Transfers.

Send money to individuals and businesses in over 100 countries. We route via the most cost-effective rail available for each corridor.

  • Send to 100+ countries in 30+ currencies
  • Full fee and exchange rate disclosure before confirmation
  • Same-day settlement on GBP and EUR major corridors
  • Real-time transfer status via dashboard or webhook
  • Downloadable transfer receipts
Revenue model: Fixed transaction fee per transfer + disclosed FX conversion margin. Both shown before confirmation.
Supported payment rails
RailRegionSpeedCCY
Faster PaymentsUK DomesticSame dayGBP
SEPA Credit TransferEurozone1 dayEUR
SWIFTGlobal1โ€“3 daysMulti
Local ACHSelect corridors0โ€“2 daysLocal
Feature 02

Multi-Currency
Wallets.

Hold balances in GBP, EUR, USD and 30+ currencies within a single Nova Pay account.

  • UK sort code + account number
  • Dedicated EUR IBAN
  • Convert at disclosed rates
  • PDF/CSV statements
Feature 03

Prepaid
Cards.

Virtual or physical. Issued instantly via the dashboard or API.

  • Set per-card spending limits
  • Restrict by merchant category
  • Freeze, unfreeze, cancel
  • Real-time notifications
Feature 04

Mass payouts
at any scale.

Disburse funds to ten contractors or ten thousand marketplace sellers. Managed via dashboard upload or REST API.

Payroll

Weekly or monthly salary disbursement to employees across multiple countries.

Gig platforms

Daily or weekly earnings payouts to drivers, couriers, or freelancers.

Marketplaces

Automated seller disbursements after order completion.

Affiliate networks

Commission payouts to publishers and referral partners.

Insurance

Claims settlement to policyholders by bank transfer.

Crowdfunding

Campaign payouts to project owners on successful close.

Scheduled & Recurring

Set up standing orders, recurring payouts or scheduled transfers. Full fee transparency at setup and execution.

  • Daily, weekly, monthly, custom
  • Pause or cancel anytime
  • API-configurable
  • Failure alerts with reason codes

Dashboard & Management

Wallets, cards, transfers, payouts and settings โ€” all in one place. Approval workflows and team roles built in.

  • 2FA enforced on all accounts
  • Role-based permissions
  • Full activity log + IP
  • Sub-accounts per cost centre

API & Developer

Embed Nova Pay's payment infrastructure into your platform. REST API with sandbox, webhooks, and KYC endpoints.

  • REST + JSON, scoped API keys
  • Webhooks for real-time events
  • 99.9% uptime SLA
  • Versioned, backwards-safe
Feature 08 ยท The serious bit

Security &
Compliance.

Security Infrastructure

  • TLS 1.3 for all data in transit
  • AES-256 for all data at rest
  • 2FA mandatory on all accounts
  • Continuous fraud detection
  • IP allowlisting for API connections
  • Penetration testing by independent third parties

Regulatory Compliance

  • Operating under UK PSRs 2017
  • Full KYC and AML programme
  • Sanctions screening (UK/EU/UN/OFAC)
  • SARs filed with NCA where required
  • 5-year record retention (MLRs 2017)
  • ICO-registered & UK GDPR compliant
Important note

Nova Pay accounts are not covered by the Financial Services Compensation Scheme (FSCS). Safeguarding under PSRs 2017 provides protection, but it is a different mechanism from FSCS deposit protection.

Start using
Nova Pay today.

Open an account in under ten minutes. Identity verification is completed digitally. No branch visits, no paper forms.

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