Accounts
A dedicated home for your business money. Electronic money accounts with dedicated IBANs and control built in.
Explore accounts
Dutch foundations. European ambition.Business payments
Business payments
and electronic money,
built for Europe.
Applying for a Dutch EMI licence with De Nederlandsche Bank. Services and customer funds only after authorisation.
Services launch only after DNB authorisation. No funds accepted before approval.
Dutch EMI application in progress
Built for European business
Safeguarding by design
Clear. Secure. Accountable.
YOUR BUSINESS. CONNECTED.
One foundation.
Everyday business payments.
Purpose-built accounts, transfers, collections and cards.
Designed to work together, so your business can move forward.
Transfers
Move money across Europe with confidence. Straightforward SEPA credit transfers for your everyday operations.
Explore transfersCollections
Bring incoming payments together. Card and online acquiring through our partner acquirer model.
Explore collectionsCards
Reloadable prepaid and debit cards. Main card linked to the account balance. Sub-cards with individual limits and MCC controls.
Explore cardsPlanned services, subject to DNB authorisation. KTPay does not offer credit cards.
DUTCH FOUNDATIONS. EUROPEAN REACH.
Building on trust.
Preparing for tomorrow.
KTPay is applying for an Electronic Money Institution licence with De Nederlandsche Bank (DNB). We are building a clear, dependable foundation for European business payments.
Our journey to authorisationAuthorisation comes first.
Services will only be offered after DNB authorisation. No customer funds are accepted before licence approval.
Planned scope: electronic money issuance, payment accounts, dedicated IBANs, SEPA transfers and prepaid/debit cards.
EMI application in progressA CLEAR PATH FORWARD
From your business to your next chapter.
01
Apply
Tell us about your business and what you need.
02
KYB verification
A thorough check of your company and its ownership.
03
Account & IBAN
(available after DNB authorisation)Your dedicated electronic money account and IBAN.
04
Cards and payments
(available after DNB authorisation)Team spending controls and business payments.
Full functionality becomes available only after DNB authorisation.
SECURITY & COMPLIANCE
Trust is not an extra.
It is the foundation.
A considered approach to protecting funds,
people and every payment.
Safeguarding by design
Customer funds will be safeguarded separately from company funds once authorised.
Financial crime prevention
AML/CFT controls will include business verification and ongoing monitoring once authorised.
Operational resilience
DORA readiness is a core requirement of our operational resilience framework, with robust systems and oversight.
Accountable governance
Fit & proper governance, clear responsibilities and risk controls underpin our authorisation preparations.
BUILT AROUND YOUR BUSINESS
European business.
Personal understanding.
For small businesses, growing companies and larger groups across Europe.
Full English service with clear Turkish-language operational support.
Small businesses
A simpler foundation for everyday payments, collections and business spending.
Growing companies
For teams of 10–50 employees: shared access, spending controls and clear approvals.
Larger business groups
Multi-IBAN structures and role-based controls for more complex operations.
LET’S BUILD WHAT’S NEXT
Your next chapter starts here.
Request early access to KTPay’s planned services, subject to DNB authorisation.