Ice-Pay is a specialised fintech and merchant services consultancy supporting fintechs, EMIs, PSPs, neobanks, crypto platforms and online merchants in building efficient, compliant, and scalable payment infrastructures.

Banking & Payment Accounts
Ice-Pay  assists clients in setting up and optimising their banking and payment account structures. This includes support for personal and business accounts, multi-IBAN environments, and access to SEPA and SWIFT rails. The focus is on securing stable relationships, optimising settlement flows and ensuring that accounts are aligned with the client’s risk profile, volumes and geographic footprint.

Card Acquiring & Merchant Services
For e-commerce and higher-risk verticals such as adult, dating, crypto, gaming and gambling, Ice-Pay helps merchants and platforms secure suitable card acquiring solutions. Services include identifying appropriate acquirers, supporting onboarding, negotiating commercial terms and designing settlement models in multiple currencies. The objective is to maximise approval rates and conversion while maintaining robust risk controls and predictable settlement.

Payment Architecture & IT Advisory
Ice-Pay supports clients in designing modern, API-driven payment architectures. This covers SEPA and SEPA Instant routing, multi-IBAN setups, card processing flows, alternative payment methods and embedded finance scenarios. Advisory also extends to technical integration, operational workflows, security, fraud prevention and automated reconciliation, ensuring that the payment stack is ready for 24/7 real-time operations.

Regulatory, Compliance & Licensing Support
The team guides clients through European regulatory frameworks such as PSD2 and instant payment requirements, as well as local rules affecting EMIs, PIs and crypto-related businesses. Ice-Pay helps structure compliant models, prepare documentation for partners or regulators, and align internal policies with AML, KYC/KYB and transaction monitoring expectations.

Across all these service lines, Ice-Pay positions itself as a strategic partner for organisations that need to improve their payment capabilities, expand to new markets or upgrade legacy infrastructures. By combining industry knowledge, partner access and hands-on project support, Ice-Pay helps clients turn complex payment challenges into long-term competitive advantages.