Payment Solutions
Based in Malta, we offer cutting-edge payment services tailored to businesses of all sizes and handle any transaction volume.

Our offer
SWIFT (July 2025)
Send and receive global payments securely with Kartiera’s SWIFT services. Ideal for international business transactions, our SWIFT capabilities connect you to banks worldwide, ensuring safe, fast, and reliable cross-border transfers.
SEPA (May 2025)
Efficiently manage Euro transactions across the EU. Perfect for businesses operating within Europe, SEPA offers a unified payment system that simplifies Euro transfers, making them as easy and cost-effective as domestic transactions.
SEPA Instant (May 2025)
Experience real-time payments across the EU with SEPA Instant, enable quick and secure Euro transfers, 24/7, 365 days a year, allowing you to access funds and make payments immediately within the Single Euro Payments Area.
IBAN Accounts
Kartiera’s IBAN Accounts are ideal for businesses managing high volumes of payments, including e-commerce platforms, marketplaces, and financial service providers, enabling them to operate more efficiently and effectively on a global scale.
Payout Services
Our payout services are designed to make global disbursements fast, reliable, and cost-effective. Whether you’re managing vendor payments, employee salaries, or client refunds, our solution ensures smooth transactions.
Recurring Payments
Automate recurring transactions with Kartiera’s advanced payment solutions, ideal for subscription-based businesses of any size. Simplify billing cycles, reduce manual tasks, and ensure timely payments for memberships or recurring orders.
Why to choose Kartiera

Simplified Banking
Manage all your transactions from a single platform, eliminating the need for multiple bank accounts.
Cost-Effective
Reduce banking fees and transaction costs associated with traditional payments. Probably the most competitive rates on the market.
Security
Fully compliant with PCI DSS and other regulatory standards.
Scalable Solutions
Whether you are a small business or a large enterprise, our Virtual IBANs can scale with your growth.
FAQ
What is an IBAN?
An IBAN (International Bank Account Number) account simplifies global payments, allowing your business to send and receive money seamlessly across borders. It ensures accurate and efficient transactions in compliance with international banking standards.
How does SEPA differ from SEPA Instant?
SEPA (Single Euro Payments Area) processes euro transactions within 1-2 business days, while SEPA Instant enables real-time euro transfers, available 24/7, ensuring funds are received in seconds.
How do recurring payments work?
Recurring payments automate the process of charging customers at regular intervals, making it ideal for subscription-based businesses. Our solutions ensure secure, hassle-free management of recurring transactions.
What industries do your payment solutions cater to?
Our payment solutions cater to various industries, including e-commerce, technology, finance, healthcare, and manufacturing, providing tailored options to meet unique business needs.
How do I get started with Kartiera’s payment solutions?
Simply contact our team or sign up on our platform to explore our suite of payment solutions. We’ll guide you through the onboarding process to ensure a smooth start.
Get started now
Experience the future of international banking with Kartiera payment services. Why to wait? Join the many businesses that have improved their international reach.