Merchant services
Convenient instant payouts for merchants in Genome*
Accept payments from clients’ bank accounts anytime and within seconds, thanks to instant payouts. Learn how instant payouts can improve your merchant operations and accept payments 24/7.
*Merchant features, including instant payouts, are available in exclusive beta from September 16, 2025.
Instant payouts
What are instant payouts?
Instant payouts are a service that lets merchants receive funds from clients immediately. Meaning they don't need to wait for standard settlement times. Using Open Banking and SEPA Instant Transfers, merchants receive payments (instant payouts) from clients' bank accounts in real time. The service works even on weekends and holidays. The funds are deposited into your business account within seconds after the client completes the transaction. Real-time payouts eliminate traditional banking delays, giving businesses faster access to their earnings and improving overall cash flow. Merchants can cover expenses, pay suppliers, or reinvest in growth without disruption. It is especially important in fast-moving industries like e-commerce, digital services, and gig platforms. The real-time payouts we offer combine speed, payment security, and reliability, ensuring a frictionless experience both for merchants and their customers.
Instant payouts
What are the benefits of using instant payouts and other services?
Easy API integration
Benefit from online onboarding and API integration of hosted payment pages on your website. Customizable checkout pages and flexible settings - all available in Genome. Learn the true value of advanced API integrations.
Direct processing
Send funds you receive from clients via instant payouts directly to your dedicated business IBAN. No third-party institutions involved or issues associated with standard payouts. Access your funds immediately.
SEPA Instant payments
With SEPA Instant Transfers, you receive your instant payouts in real time, even during weekends and holidays, allowing you better control of your financial flow and operations. Far more convenient than standard payouts.
Multi-currency accounts
With our multi-currency accounts, you can store funds in EUR, USD, GBP, PLN, CHF, JPY, CAD, CZK, HUF, SEK, AUD, and DKK. Exchange currencies with ease after accepting payments via instant payouts.
Real-time merchant dashboard
Stay on top of every transaction and instant payout with Genome’s portal and merchant analytics. The dashboard provides immediate access to information on the maximum instant payout amount, balances, and financial activity.
Transparency and minimal delays
Funds from instant payouts are delivered instantly and offer full transparency. Because SEPA Instant Transfers are available 24/7, instant payouts continue arriving from clients’ associated bank accounts daily.
Instant payouts
Where is the instant payouts service available?
You can oversee your instant payouts from the merchant portal in real-time. It displays transactions for you to plan your other business transactions. When it comes to instant payouts, thanks to Open Banking, you get access to the network of 2000 banks. It allows you to accept payments from bank accounts across Europe. Benefit from the multi-currency feature. Use it to transfer funds between your business accounts in EUR, USD, GBP, PLN, CHF, JPY, CAD, CZK, HUF, SEK, AUD, and DKK, after you receive business payouts.
Start a merchant account to accept payments and get instant payouts
We offer merchant accounts with seamless payment processing, hosted payment pages, instant payouts, and other merchant services. After opening a business account within Genome, simply apply for a merchant account completely online. There’s no need to visit banks, as Genome is a licensed Electronic Money Institution, offering instant payouts, business services, and more.
Instant payouts
Open a merchant account online in 3 steps
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Complete your instant payouts with other services
Multi-currency feature
Genome’s multi-currency accounts support EUR, USD, GBP, and 9 more currencies, letting businesses hold funds in the currency they need. It allows transparent conversions without hidden fees. With up-to-date rates and easy management from one wallet, you can expand internationally while keeping finances simple and cost-efficient.
International transfers
Send and receive funds globally with our international transfers. Using SWIFT and other transfer methods, you can move funds quickly and securely in 12 currencies. Businesses benefit from transparent fees, predictable transfer times, and detailed tracking. Genome ensures speed, compliance, and accessibility for global transactions.
Dedicated IBANs
Each Genome account is immediately eligible for a dedicated EUR IBAN, tailored for business needs, allowing you financial freedom across Europe. They support SEPA Instant and Credit transfers, helping merchants, freelancers, and companies handle local and international payments without confusion or unnecessary delays. Forget the bureaucracy of traditional bank accounts.
Batch transfers
With batch transfers, Genome helps businesses handle multiple payments at once. Instead of sending transactions individually, you can upload a file or use API integration to process salaries, vendor payments, and other transfers in bulk. This reduces errors, saves time, and boosts efficiency - ideal for companies with frequent, large-scale financial operations.
Visa debit cards
Genome Visa debit cards let you shop, withdraw funds, and pay online or in-store worldwide. Available in both virtual and physical formats, they support Apple Pay, Google Pay, and Garmin Pay. Secure, convenient, and multi-purpose, these debit cards simplify business expenses, subscriptions, and personal purchases with full control in your app.
Shared business account
We offer a shared business account that allows multiple team members to access and manage finances securely. With adjustable user roles and permissions, businesses can streamline payroll, invoicing, and expense management. Shared accounts enhance collaboration, improve oversight, and reduce bottlenecks.
Merchant services
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