Peratera is an all-in-one modern banking solution for global businesses that strive for a truly borderless experience. We help businesses tap into 190+ markets across the globe using the world’s largest payment networks. With a Peratera account, you get access to business accounts, local EU, UK, and US accounts, wholesale FX rates, and multiple prepaid business cards. Peratera’s business account gives you instant access to more than 50 currencies you can send, manage, and hold.

Opting for Peratera’s business accounts is helping businesses: • Maximise profit margins with our cost-effective global business accounts. • Monetise their FX services with Peratera's super-competitive wholesale FX rates. • Accept payments with the help of 300+ global and local payment methods, such as Alipay in China, OXXO in Mexico, iDeal in the Netherlands, Mpesa in Africa, or Paytm in India. • Make SEPA payments, Faster Payments, Bacs Payments, CHAPS, ACH, Direct Debit, and more like a local. • Issue prepaid Visa and Mastercard cards in 38 countries that support 24 currencies. • Reduce fraud risk and manage budgets with Peratera’s fully-customisable virtual cards.

Peratera’s payment infrastructure combines the best of traditional banking and fintech innovation. Our payment infrastructure is carefully tailored to serve digital businesses, e-commerce, marketplaces and platforms, fintech, freelance, affiliate networks, travel & tourism and import/export industries. We’ve run digital businesses ourselves, and we know that digital banking and payment processing is vital for their success. That’s why we’re committed to making cross-border payments more secure, accessible, and affordable. Peratera currently supports more than 50 currencies in 190+ territories, and it’s always growing.

If you operate across borders or are planning to, you know how complicated, slow, and expensive international payments can get. Peratera partners with top-tier banks and payment service providers to give your business the only payment infrastructure it needs. With Peratera’s help, you can get access to • Business account • 190+ markets in Europe, Asia Pacific, Latin America, North America, Africa, the Middle East, and more • Wholesale FX conversion platform with competitive rates and features • Local US, UK, and EU accounts in a single place • 300+ payments methods so your international customers can pay in their preferred way from anywhere in the world • Fully-customisable virtual and physical prepaid cards Our payment solutions will minimise your payment processing costs and help boost your business growth.

Peratera gives businesses more payment options and products than a standard bank. Our platform allows you to do everything payments-related in one place. With your Peratera account, you can accept payments, hold money, convert currencies, and manage your finances faster and cheaper than with traditional bank accounts.

Your funds are held with our partner payment service providers, including top-tier banks and authorised electronic money institutions. All customer funds are safeguarded in dedicated bank accounts separate from our corporate accounts. Exact financial institution depends on the region you're based, the country where the services are provided and the currency you've chosen.

We operate in most countries around the world, and we’re actively trying to expand to new regions. However, we don't serve customers in sanctioned or high risk jurisdictions, including Burundi, Central African Republic, Congo (Democratic Republic of), Crimea, Cuba, Belarus, Eritrea, Ethiopia, Guinea-Bissau, Haiti, Iran, Jamaica, Lebanon, Libya, Mali, Myanmar, Nicaragua, North Korea, Palestine, Panama, Russia, Senegal, Somalia, South Sudan, Sudan, Syria, Trinidad and Tobago, Uganda, Venezuela, Western Sahara, Yemen, and Zimbabwe. We also can’t offer our services in jurisdictions in which they are legally restricted, and this includes the United States. You use this website and the services it provides at your own discretion. It’s your responsibility to comply with your state’s applicable laws.

Peratera was incorporated in January 2022.

Peratera has an office in New Zealand at the following address: 48-52 Wyndham Street, Cathedral House, Auckland Central, 1010, New Zealand. Please note that our office is not open to the public.

On our API docs page, you’ll be able to access our API documentation and Sandbox as well as comprehensive support information. Our API is expert-designed to help you build seamless integrations in no time.

Yes, Peratera is a legitimate business. All regulated products and services are offered through our authorised and regulated partners.

Peratera is a cloud-based service, which is one reason why our services are delivered securely and efficiently.

Peratera is secure and safe. Our products are monitored regularly using activity observation and regular penetration testing. Peratera’s team makes sure your personal and financial data are handled and managed following the industry’s best security practices.

If you’re a business in a supported industry, you can open a Peratera account easily. Our application process is 100% online and requires no in-person meetings. Get your Peratera account here. Individuals, however, can’t open Peratera accounts yet, as we serve business clients only.

Peratera serves a variety of industries from fintech to e-commerce and import/export businesses. However, we comply with anti-money laundering and anti-terrorism financing regulations as well as government rules, which means we can’t provide our services to certain businesses. You can find the full list of unsupported businesses and industries here.

Currently, Peratera doesn’t offer personal accounts. Our products are specifically tailored to meet the needs of businesses and facilitate their business-to-business or business-to-customer transactions.

Our business account application is 100% online and takes no more than 10 minutes to complete. Here is the application process to open a Peratera business account: Step 1: Fill out the online application form and submit it Step 2: We review your application and verify your documents 10x faster than banks Step 3: We might contact you if your application is lacking documents or further clarification is needed Step 4: We approve your account, and you can get to business right away! Opening your Peratera account should be super easy and quick. If you face any troubles, please contact our support.

Peratera’s verification process guarantees the safety of its customers first and itself second. This process adheres to the anti-money laundering and anti-terrorism financing laws of the several countries where Peratera operates. Everyone interested in opening a Peratera account must provide the required documents. These can differ depending on the type of your business, but they usually include • Personal information of the director, founder, shareholders, and/or beneficial owners, and • Business information, such as the registration number, address, name, etc. While this might sound time-consuming, our verification process is 10x faster than traditional banks and a lot less complicated.

You can start funding, sending, and receiving in your Peratera account as soon as it is approved. Account approval usually takes anywhere from 1 to 3 days. During this period, we will be carefully verifying your application and business information to make sure you meet our regulatory requirements. If you have trouble getting started, our support team is here to help.

Opening a Peratera account is free, and we don't charge any maintenance fees.

Of course! And we don’t charge closing fees.

If you forget your account password, you can easily reset it from the login page. Here are the steps to reset your password: • Find and click the “Reset” button on the login page • Enter the email address or mobile number you registered with • Click “Next” • Follow the instructions sent to your email You should be able to reset your password within a few minutes. If you encounter any issues, our support team is here to help.

If you’d like to change or update your account information, such as your email address, reach out to our support team by email at [email protected]. You can also chat live with our support agents via LiveChat on our support page

Yes, you can give your team members different access levels and create different roles for each one of them. You'll be able to oversee their activity and edit their access.

The Peratera business account works just like a traditional business account but faster, cheaper, and more reliable for your business transactions. Usually, business bank accounts require at least one in-person meeting, and the opening process can take anywhere from a couple of weeks to months. Conversely, Peratera accounts are opened through a 100% online application in less than three days. Moreover, your Peratera account allows you to send funds across 190+ countries. We help our customers to accept 300+ international and local payment methods for their cross-border business needs. Traditional banks offer fewer options and less coverage than Peratera business accounts.

Your account details are Account name: your business name IBAN: a unique code of up to 34 characters and starts with a country code (e.g. GB12ABCD34567812345678) SWIFT: The SWIFT code of our UK/EU partner banks. It consists of 8-11 characters (e.g ABCDGB12) You can find your account details in the deposit section.

Payment clearance time varies depending on the payment method used by the sender. For example, SEPA payments are credited to your account the same day they are sent, while SWIFT payments, international transactions, can take 2-3 days to clear. Different factors can affect the clearance time, from the sending bank, corresponding banks, and the payment currency. As soon as our partner banks receive the payment, it will be credited to your Peratera account immediately. To guarantee the fastest clearance of your payments, make sure the transaction is made on working days from 9 am to 5 pm UK time, excluding public holidays.

To make an international payment, you’ll generally need to provide your beneficiary's name, bank account number, SWIFT and/or BIC number, and bank name and address. Other details might be required, and these may vary from one country to the other, such as: • CNAPS, name of your beneficiary in Chinese characters, and purpose of payment in China • BSB number in Australia • Routing number and intermediary bank code (sometimes) in the US • IBAN in Europe, the Caribbean, the Middle East, and North Africa • Sort code in the UK