SaPay helps international founders, non-resident companies and cross-border businesses access banking and payment solutions — including the profiles mainstream banks turn away.
The business is real and the numbers add up — yet the application stalls. Usually one of these is why.
The company sits in one country, you live in another — and the application stalls on that alone.
Clients, suppliers and revenue spread across several countries — exactly the profile standard onboarding was never built for.
The sector gets tagged ‘high-risk’ before anyone has looked at the actual business behind it.
An account you've relied on for years is closed after a review — with little explanation and less notice.
SaPay Global is part of SaPay — SAPAY LTD, London — an independent consultancy and introducer. Since 2021 we've helped international businesses reach the banks and payment institutions that actually work with their kind of case.
We don't send applications into the void. We start from where your profile realistically fits, prepare the banking file institutions expect to see, and introduce your case to the right desk — then stay with it through onboarding.
SaPay is not a bank, EMI or law firm. We don't sell accounts — we build a credible path to them. The final decision always rests with the institution.
A short overview — the full detail lives on the main website.
Targeted introductions to banks and payment institutions across EU, UK, US and GCC, matched to your case.
Multi-currency accounts, SEPA, SWIFT and safeguarding through suitable payment institutions.
Card acquiring for e-commerce and digital businesses with cross-border profiles.
Trading, holding and operating structures designed around how institutions assess a case.
Diagnosis and account reviews for businesses that have outgrown or lost their banking.
Jurisdiction and entity choices driven by where you actually operate and bank.
Founded in one country, operating in several, or simply labelled ‘complicated’ — these are the profiles we work with.
One point of contact, full confidentiality — and a straight answer before anything begins.
A short, confidential conversation: the business, where it operates, where the money flows, and what you need.
We assess the case privately and tell you plainly whether a realistic path exists. If we don't see one, we say so.
We build the banking file and shortlist the institutions that genuinely work with profiles like yours.
Introductions made, documentation handled, institution queries and interviews managed end to end.
Access goes live. The decision always rests with the institution — our job is to give your case its credible path, and to see it through.
We only take a case where we see a realistic fit — your time isn't spent on dead ends.
We start from the banking outcome and work backwards to the structure — not the other way around.
Non-resident and multi-jurisdiction cases handled in practice, across EU, UK, US and GCC.
Institutions receive a prepared case, not a cold application — the difference that earns a serious look.
The file isn't sent off and forgotten — the engagement runs until the account opens.
Nobody can guarantee a bank's decision — and anyone who does should worry you. We deal in credible paths.
No call centres and no layers in between — your case is handled directly by the people who run it.
In cross-border banking since 2013. Positions each case with banks and payment institutions across EU and US.
Over ten years on international banking cases. Runs the documentation, the banking file and day-to-day work with institutions across GCC, Asia and the UK.
Banking access is earned, not applied for. We know which institutions fit your profile — and prepare your case to match.
No. SaPay is an independent consultancy and introducer. We prepare your case and introduce it to banks and payment institutions — the account itself is always opened by the institution.
No — and nobody honestly can. We only take a case where we see a realistic fit, and we tell you straight when we don't.
You get a feasibility answer first, so you know where you stand before anything moves. Timelines after that depend on the institution and the case.
We work with institutions across EU, UK, US and GCC, and with owners from most jurisdictions — coverage is confirmed case by case.
Terms are agreed individually after the feasibility review — you'll know the full picture before you commit to anything.
Yes. Your situation is shared only with your go-ahead, and only with the institutions that need to see it.
Tell us about your business and your banking situation. Every enquiry is reviewed confidentially — you'll hear back within one business day.
This page is a short introduction — services, cases and the team live on our main website.