Clear Junction has developed a range of solutions that enable open banking vendors to overcome many of the challenges they face. By utilising Clear Junction’s solutions, open banking vendors can offer merchant services that truly compete with card acquiring.

Payment Initiation Service (PIS) licences are typically very restrictive and do not allow open banking providers to hold merchant funds. However, by partnering with Clear Junction, open banking vendors can complement their own solutions, making their products and services more enriched and holistic.

Our e-money solution means open banking providers can approach merchants and simultaneously offer them open banking technology and settlement and collection accounts. In this model, Clear Junction remains behind the scenes and doesn’t face the merchants directly leaving that to the open banking vendors.

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Partnering and integrating with Clear Junction enables open banking vendors to provide merchants with a complete solution that incorporates technology and accounts. This significantly minimises the onboarding and integration efforts required, thereby benefiting open banking businesses and the merchants they want to work with.

  • Access a master e-money account
  • Generate sub e-money accounts for each of your merchants
  • Facilitate the sending and receiving of bank transfers in and out of these e-money accounts
  • Connect to Faster Payments and SEPA Instant
  • Instantly collect and reconcile GBP and EUR payments
  • Use APIs for initiation of refunds
  • Significantly enhance your customer offering to merchants by streamlining and accelerating the onboarding process


Clear Junction’s new and improved e-money solution enables open banking vendors to overcome the challenges and barriers they face when going to market. By partnering and integrating with our proprietary technology, open banking providers gain access to a one-stop-shop solution that they can offer to merchants across the UK and Europe. By facilitating instant collection and reconciliation of GBP and EUR payments, the customer offering becomes so much more competitive and attractive.

Access solutions you need

Finding access to banking and payments solutions is often the first major hurdle that banks and financial institutions need to overcome. We can help you do just that.

Reach wider audiences

Connecting to the Clear Junction network and associated payment rails immediately opens up new channels for your business through which you can reach new, wider audiences.

Safe and compliant services

We take compliance and security as seriously as you would expect from a responsible fintech. We are licensed by the FCA as an EMI and have protective processes in place.

Automate and integrate

Our API enables seamless integration to automate many of the services you will be offering to customers. You can also manage your account through our online banking platform.

Boost efficiencies and processes

Partnering with Clear Junction gives you access to payment networks across the UK, EU and non-EU countries. We facilitate fast settlement of funds to boost efficiencies.

Manage and track everything

Our online platform provides an overview of all of your payments, transactions and activities, enabling your team to manage and track everything quickly and easily.

Compliance & Security

We take compliance and security extremely seriously and have the knowledge, experience and processes in place to ensure client funds are held securely at all times. We have rigorous onboarding procedures in place and conduct in-depth due diligence, AML and KYC as standard.

Global Coverage

We are licensed as an electronic money institution by the Financial Conduct Authority and have access to payment rails that extend across the UK, Europe, non-EU countries and other jurisdictions.


We adopt a proactive approach to emerging risks and evolving regulations. Our view is that a proactive response is better than merely reacting to changes as and when they arise.

PCI Certification

We selected PCI DSS certification as the standard to use throughout our organisation. It is the de-facto industry standard, has an excellent reputation and helps build trust with our customers.


Data protection and financial operation security are the most important criteria that Clear Junction relies on. We use advanced solutions to protect our partners and their data.


We use multi-factor authentication mechanisms to ensure that all people having dealings with Clear Junction are who they say they are – security and peace of mind is of paramount importance.


Our bespoke technology is used in all of our service provision processes. This proprietary technology undergoes regular third-party audits to ensure it meets our high standards at all times.

Our solutions

Clear Junction has developed a global digital payment processing platform that enables clients to receive, hold, transfer and pay out in multiple currencies through a single touchpoint. Above all, we pride ourselves on powering financial institutions by providing simple solutions to complex issues.

Our solutions are designed to help you gain control and clarity, increase efficiencies, secure peace of mind and enter new markets. Partner with Clear Junction, power the delivery of exceptional services to your customers and realise your growth ambitions.

Correspondent Account

The correspondent account that Clear Junction provides is the cornerstone of our customer offering. Put simply, it is a payment account that enables financial institutions to hold and maintain a monetary balance in their own name. From here, you can make, receive and convert payments on behalf or in favour of your customers in multiple currencies across multiple jurisdictions. The correspondent account also serves as a portal through which our clients can access all other Clear Junction solutions.

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Virtual IBANs

Virtual IBANs can be used to send and receive payments around the world, enabling them to widen their customer base, provide settlement solutions and expand into new markets. 

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Access a range of payment networks to expand your reach. Our platform enables you to connect to a digital infrastructure that facilitates payments in the UK, across Europe and non-EU countries.

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Our FX solution enables FIs to convert multiple currencies quickly and easily. Through a simple connection to our online platform, businesses can make payments in their customers' preferred currency.

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