Unlock new possibilities in finance with a reliable partner by your side.
We work with 100’s of global regulated financial service providers, giving them access to major payment service rails in GBP, EUR and more.
Fintechs
Payment infrastructure for modern fintechs
Accounts, payments and virtual account structures for regulated fintechs that need reliable, scalable fiat infrastructure.
Open GBP and EUR accounts for corporate and client funds
Access UK and EU payment schemes through a single partner
Scale with virtual accounts, vIBANs and API-led operations
Payment schemes
Faster Payments
CHAPS
SEPA
SEPA Instant
Bacs
SWIFT / T2
Single integration. One regulated partner.
Why fintechs struggle with banking and payments
Fintech products move fast. Underlying banking infrastructure often does not.
Hard-to-secure banking relationships
Regulated fintechs still face long onboarding times, shifting risk appetites and sudden de-banking, even when the model and controls are sound.
Fragmented accounts and rails
Multiple banks and providers for different currencies, schemes and regions lead to scattered balances, complex operations and gaps in coverage.
Operational and compliance friction
High transaction volumes, multiple use cases and growing regulatory expectations around AML, KYC and safeguarding put pressure on lean teams and legacy tooling.
Compliance-first infrastructure for fintech growth
Clear Junction provides account and payment infrastructure that lets regulated fintechs launch, run and scale without rebuilding their banking stack every year.
Accounts that match your use case
Open corporate and client-money accounts in GBP and EUR, with the option to structure virtual accounts and vIBANs around customers, merchants or partners.
Fast, predictable payments
Connect to Faster Payments, CHAPS, SEPA and SEPA Instant from a single partner, with instant internal transfers between Clear Junction counterparties.
Infrastructure designed for volume and control
Use our API or web portal to manage accounts, initiate payments and access data for reconciliation, treasury and reporting.
From first conversation to live flows
How it works
We provide a clear path from first conversation to live payment flows.
STEP 01
Understand your model
We review your licences, products, customer profiles and fund flows to confirm they align with our risk appetite and regulatory obligations.
STEP 02
Design your account structure
Based on your use cases, we configure corporate and client-fund accounts, with single IBANs or virtual account and vIBAN structures to support your operational model.
STEP 03
Connect via API or portal
Your team integrates to our API or starts via the web portal to create accounts, manage balances and trigger pay-ins and pay-outs.
STEP 04
Run, optimise and scale
As volumes grow, we help refine account structures, routing and reporting so you can support new products, markets and currencies without changing core providers.
Built for regulated, product-led fintechs
We work with regulated financial institutions and fintechs that need robust fiat infrastructure, including:
Strong fit
Regulated, well managed and operating with clear, documented AML, KYC and fraud controls.
EMI and API licence holders
Digital banks and BaaS platforms
PSPs, acquirers and payment facilitators
Remittance, FX and cross-border providers
Wallets, marketplaces and financial apps
What you get with Clear Junction
Account and payment infrastructure tailored to fintech models.
Account infrastructure
Corporate accounts in your business name for operational and treasury flows
Client-fund and collection accounts to support payment, wallet or marketplace activity
Virtual accounts and vIBAN issuing structures mapped to customers, merchants, partners or use cases
Clear separation of funds and straightforward reconciliation across high transaction volumes
Payments and currencies
GBP and EUR Pay-ins and Pay-outs via Faster Payments, CHAPS, SEPA and SEPA Instant
International payment capabilities for treasury and wholesale requirements
Instant internal transfers between counterparties that hold Clear Junction accounts
Operations and control
API and portal access for payments, balance views and reporting
Automated notifications and exception handling for smoother operations
Audit-ready statements and data to support finance, compliance and risk teams
Optional onChain connectivity
Access to compliant onChain payment and settlement options for eligible clients
Fiat-first flows, with onChain used to complement, not replace, regulated fiat infrastructure
Why fintechs choose Clear Junction
A partner focused on infrastructure
Clear Junction Limited is an FCA-authorised Electronic Money Institution that focuses on providing accounts and payment infrastructure for financial institutions and fintechs.
We do not compete with you for end customers. Our role is to provide the rails, structures and controls you need so you can focus on building products, serving users and entering new markets with confidence.
Build on a stronger banking foundation
If you are a regulated fintech looking to strengthen your fiat accounts and payments layer, Clear Junction can help you design and operate infrastructure that supports your next phase of growth.