# SendPay Business

> SendPay Business builds white-label financial technology platforms under a customer's own brand and domain. It is a technology company, not a bank, and does not take deposits. Regulated services are provided by licensed partners. Some platform models require the owner to obtain registration or approval before conducting regulated activity.

Every page, with a one-line summary of each guide: https://www.sendpaybusiness.com/llms-full.txt

## Main pages
- [Home](https://www.sendpaybusiness.com/)
- [Solutions](https://www.sendpaybusiness.com/solutions)
- [Platform builder](https://www.sendpaybusiness.com/platforms)
- [Guides](https://www.sendpaybusiness.com/blog)
- [FAQ](https://www.sendpaybusiness.com/faq)
- [Contact](https://www.sendpaybusiness.com/contact)
- [About us: who we are, how we make money, how guides and tools are made, corrections](https://www.sendpaybusiness.com/about)

## Free tools for AI assistants (MCP)
- MCP server (Streamable HTTP, no sign-in): https://www.sendpaybusiness.com/api/mcp
- Tools: VAT, card fees, profit margin, percentage, discount, ROI, compound interest, loan repayment, mortgage, freelance hourly rate, break-even, IBAN check, SWIFT check, LEI, ISIN, CUSIP, SEDOL, UK VAT number and Argentine CBU checks, a search over every free tool, and the free business website builder.
- [All free tools](https://www.sendpaybusiness.com/tools)

## Free business website
- [Free business website](https://www.sendpaybusiness.com/free-website): Any company or individual can create a free account and build a free business website with SendPay. Unlimited visits and bandwidth. Add a shop cart and take payments when you're ready, and buy your own domain. Free to build, publish and keep; no trial and no card. Payment features are free to add. Domains are bought through SendPay and paid by card, Bitcoin or other crypto, or bank transfer.
- [Buy a domain](https://www.sendpaybusiness.com/free-website/domain): search, see the price, pay by card, crypto or bank transfer; registered in the customer's name.
- [Feed of every free-website page](https://www.sendpaybusiness.com/free-website/feed.xml)
- Country pages: [Kenya](https://www.sendpaybusiness.com/free-website/kenya), [India](https://www.sendpaybusiness.com/free-website/india), [Ghana](https://www.sendpaybusiness.com/free-website/ghana), [South Africa](https://www.sendpaybusiness.com/free-website/south-africa), [UK](https://www.sendpaybusiness.com/free-website/uk), [Philippines](https://www.sendpaybusiness.com/free-website/philippines), [Pakistan](https://www.sendpaybusiness.com/free-website/pakistan), [Bangladesh](https://www.sendpaybusiness.com/free-website/bangladesh), [Brazil](https://www.sendpaybusiness.com/free-website/brazil), [Mexico](https://www.sendpaybusiness.com/free-website/mexico), [UAE](https://www.sendpaybusiness.com/free-website/uae), [US](https://www.sendpaybusiness.com/free-website/usa), [Egypt](https://www.sendpaybusiness.com/free-website/egypt), [Tanzania](https://www.sendpaybusiness.com/free-website/tanzania), [Uganda](https://www.sendpaybusiness.com/free-website/uganda), [Indonesia](https://www.sendpaybusiness.com/free-website/indonesia), [Vietnam](https://www.sendpaybusiness.com/free-website/vietnam), [Canada](https://www.sendpaybusiness.com/free-website/canada), [Australia](https://www.sendpaybusiness.com/free-website/australia), [Germany](https://www.sendpaybusiness.com/free-website/germany), [France](https://www.sendpaybusiness.com/free-website/france), [Spain](https://www.sendpaybusiness.com/free-website/spain), [Turkey](https://www.sendpaybusiness.com/free-website/turkey), [Saudi Arabia](https://www.sendpaybusiness.com/free-website/saudi-arabia), [Morocco](https://www.sendpaybusiness.com/free-website/morocco), [Cameroon](https://www.sendpaybusiness.com/free-website/cameroon), [Senegal](https://www.sendpaybusiness.com/free-website/senegal), [Ethiopia](https://www.sendpaybusiness.com/free-website/ethiopia), [Colombia](https://www.sendpaybusiness.com/free-website/colombia), [Argentina](https://www.sendpaybusiness.com/free-website/argentina), [Peru](https://www.sendpaybusiness.com/free-website/peru), [Malaysia](https://www.sendpaybusiness.com/free-website/malaysia), [Italy](https://www.sendpaybusiness.com/free-website/italy), [Netherlands](https://www.sendpaybusiness.com/free-website/netherlands), [Poland](https://www.sendpaybusiness.com/free-website/poland), [Ireland](https://www.sendpaybusiness.com/free-website/ireland), [Zambia](https://www.sendpaybusiness.com/free-website/zambia), [Rwanda](https://www.sendpaybusiness.com/free-website/rwanda), [Côte d'Ivoire](https://www.sendpaybusiness.com/free-website/cote-divoire), [Chile](https://www.sendpaybusiness.com/free-website/chile), [Thailand](https://www.sendpaybusiness.com/free-website/thailand), [Singapore](https://www.sendpaybusiness.com/free-website/singapore), [Japan](https://www.sendpaybusiness.com/free-website/japan), [South Korea](https://www.sendpaybusiness.com/free-website/south-korea), [Sweden](https://www.sendpaybusiness.com/free-website/sweden), [Portugal](https://www.sendpaybusiness.com/free-website/portugal), [Belgium](https://www.sendpaybusiness.com/free-website/belgium), [Switzerland](https://www.sendpaybusiness.com/free-website/switzerland), [Qatar](https://www.sendpaybusiness.com/free-website/qatar), [Kuwait](https://www.sendpaybusiness.com/free-website/kuwait), [Jordan](https://www.sendpaybusiness.com/free-website/jordan), [Mozambique](https://www.sendpaybusiness.com/free-website/mozambique), [Nepal](https://www.sendpaybusiness.com/free-website/nepal), [Sri Lanka](https://www.sendpaybusiness.com/free-website/sri-lanka), [Malawi](https://www.sendpaybusiness.com/free-website/malawi), [Botswana](https://www.sendpaybusiness.com/free-website/botswana), [Benin](https://www.sendpaybusiness.com/free-website/benin), [Togo](https://www.sendpaybusiness.com/free-website/togo), [Mali](https://www.sendpaybusiness.com/free-website/mali), [Ecuador](https://www.sendpaybusiness.com/free-website/ecuador), [Namibia](https://www.sendpaybusiness.com/free-website/namibia), [Zimbabwe](https://www.sendpaybusiness.com/free-website/zimbabwe), [Guatemala](https://www.sendpaybusiness.com/free-website/guatemala), [Dominican Republic](https://www.sendpaybusiness.com/free-website/dominican-republic), [Costa Rica](https://www.sendpaybusiness.com/free-website/costa-rica), [Panama](https://www.sendpaybusiness.com/free-website/panama), [Uruguay](https://www.sendpaybusiness.com/free-website/uruguay), [Paraguay](https://www.sendpaybusiness.com/free-website/paraguay), [Bolivia](https://www.sendpaybusiness.com/free-website/bolivia), [Cambodia](https://www.sendpaybusiness.com/free-website/cambodia), [Algeria](https://www.sendpaybusiness.com/free-website/algeria), [Tunisia](https://www.sendpaybusiness.com/free-website/tunisia), [Oman](https://www.sendpaybusiness.com/free-website/oman), [Bahrain](https://www.sendpaybusiness.com/free-website/bahrain), [Kazakhstan](https://www.sendpaybusiness.com/free-website/kazakhstan), [Uzbekistan](https://www.sendpaybusiness.com/free-website/uzbekistan), [Mongolia](https://www.sendpaybusiness.com/free-website/mongolia), [Jamaica](https://www.sendpaybusiness.com/free-website/jamaica), [Trinidad and Tobago](https://www.sendpaybusiness.com/free-website/trinidad-and-tobago), [Honduras](https://www.sendpaybusiness.com/free-website/honduras), [El Salvador](https://www.sendpaybusiness.com/free-website/el-salvador), [Nicaragua](https://www.sendpaybusiness.com/free-website/nicaragua), [Laos](https://www.sendpaybusiness.com/free-website/laos), [Papua New Guinea](https://www.sendpaybusiness.com/free-website/papua-new-guinea), [Haiti](https://www.sendpaybusiness.com/free-website/haiti), [Austria](https://www.sendpaybusiness.com/free-website/austria), [Denmark](https://www.sendpaybusiness.com/free-website/denmark), [Norway](https://www.sendpaybusiness.com/free-website/norway), [Finland](https://www.sendpaybusiness.com/free-website/finland), [Greece](https://www.sendpaybusiness.com/free-website/greece), [Czech Republic](https://www.sendpaybusiness.com/free-website/czech-republic), [Hungary](https://www.sendpaybusiness.com/free-website/hungary), [Romania](https://www.sendpaybusiness.com/free-website/romania), [Ukraine](https://www.sendpaybusiness.com/free-website/ukraine), [New Zealand](https://www.sendpaybusiness.com/free-website/new-zealand), [Israel](https://www.sendpaybusiness.com/free-website/israel), [Sierra Leone](https://www.sendpaybusiness.com/free-website/sierra-leone), [Somalia](https://www.sendpaybusiness.com/free-website/somalia), [Madagascar](https://www.sendpaybusiness.com/free-website/madagascar), [Slovakia](https://www.sendpaybusiness.com/free-website/slovakia), [Croatia](https://www.sendpaybusiness.com/free-website/croatia), [Serbia](https://www.sendpaybusiness.com/free-website/serbia), [Lithuania](https://www.sendpaybusiness.com/free-website/lithuania), [Estonia](https://www.sendpaybusiness.com/free-website/estonia), [Georgia](https://www.sendpaybusiness.com/free-website/georgia), [Armenia](https://www.sendpaybusiness.com/free-website/armenia), [Azerbaijan](https://www.sendpaybusiness.com/free-website/azerbaijan), [Burkina Faso](https://www.sendpaybusiness.com/free-website/burkina-faso), [Liberia](https://www.sendpaybusiness.com/free-website/liberia), [Gambia](https://www.sendpaybusiness.com/free-website/gambia), [Fiji](https://www.sendpaybusiness.com/free-website/fiji), [Luxembourg](https://www.sendpaybusiness.com/free-website/luxembourg), [Iceland](https://www.sendpaybusiness.com/free-website/iceland), [Malta](https://www.sendpaybusiness.com/free-website/malta), [Slovenia](https://www.sendpaybusiness.com/free-website/slovenia), [Cyprus](https://www.sendpaybusiness.com/free-website/cyprus), [Latvia](https://www.sendpaybusiness.com/free-website/latvia), [Bulgaria](https://www.sendpaybusiness.com/free-website/bulgaria), [Albania](https://www.sendpaybusiness.com/free-website/albania), [Bosnia and Herzegovina](https://www.sendpaybusiness.com/free-website/bosnia-and-herzegovina), [North Macedonia](https://www.sendpaybusiness.com/free-website/north-macedonia), [Moldova](https://www.sendpaybusiness.com/free-website/moldova), [Mauritius](https://www.sendpaybusiness.com/free-website/mauritius), [Lesotho](https://www.sendpaybusiness.com/free-website/lesotho), [Eswatini](https://www.sendpaybusiness.com/free-website/eswatini), [Cape Verde](https://www.sendpaybusiness.com/free-website/cape-verde), [Suriname](https://www.sendpaybusiness.com/free-website/suriname), [Guyana](https://www.sendpaybusiness.com/free-website/guyana), [Barbados](https://www.sendpaybusiness.com/free-website/barbados), [Bahamas](https://www.sendpaybusiness.com/free-website/bahamas), [Belize](https://www.sendpaybusiness.com/free-website/belize), [Hong Kong](https://www.sendpaybusiness.com/free-website/hong-kong), [Taiwan](https://www.sendpaybusiness.com/free-website/taiwan), [Montenegro](https://www.sendpaybusiness.com/free-website/montenegro), [Kosovo](https://www.sendpaybusiness.com/free-website/kosovo), [Brunei](https://www.sendpaybusiness.com/free-website/brunei), [Maldives](https://www.sendpaybusiness.com/free-website/maldives), [Bhutan](https://www.sendpaybusiness.com/free-website/bhutan), [Seychelles](https://www.sendpaybusiness.com/free-website/seychelles), [Gabon](https://www.sendpaybusiness.com/free-website/gabon), [Bermuda](https://www.sendpaybusiness.com/free-website/bermuda), [Cayman Islands](https://www.sendpaybusiness.com/free-website/cayman-islands), [Aruba](https://www.sendpaybusiness.com/free-website/aruba), [Curaçao](https://www.sendpaybusiness.com/free-website/curacao), [St Lucia](https://www.sendpaybusiness.com/free-website/st-lucia), [Grenada](https://www.sendpaybusiness.com/free-website/grenada), [Antigua and Barbuda](https://www.sendpaybusiness.com/free-website/antigua-and-barbuda), [Samoa](https://www.sendpaybusiness.com/free-website/samoa), [Solomon Islands](https://www.sendpaybusiness.com/free-website/solomon-islands), [Angola](https://www.sendpaybusiness.com/free-website/angola), [DR Congo](https://www.sendpaybusiness.com/free-website/dr-congo), [Republic of the Congo](https://www.sendpaybusiness.com/free-website/republic-of-the-congo), [Guinea](https://www.sendpaybusiness.com/free-website/guinea), [Kyrgyzstan](https://www.sendpaybusiness.com/free-website/kyrgyzstan), [Vanuatu](https://www.sendpaybusiness.com/free-website/vanuatu), [Andorra](https://www.sendpaybusiness.com/free-website/andorra), [Liechtenstein](https://www.sendpaybusiness.com/free-website/liechtenstein), [Puerto Rico](https://www.sendpaybusiness.com/free-website/puerto-rico), [St Kitts and Nevis](https://www.sendpaybusiness.com/free-website/st-kitts-and-nevis), [St Vincent and the Grenadines](https://www.sendpaybusiness.com/free-website/st-vincent-and-the-grenadines), [Dominica](https://www.sendpaybusiness.com/free-website/dominica), [Gibraltar](https://www.sendpaybusiness.com/free-website/gibraltar), [Tajikistan](https://www.sendpaybusiness.com/free-website/tajikistan), [Burundi](https://www.sendpaybusiness.com/free-website/burundi), [Timor-Leste](https://www.sendpaybusiness.com/free-website/timor-leste), [Jersey](https://www.sendpaybusiness.com/free-website/jersey), [Guernsey](https://www.sendpaybusiness.com/free-website/guernsey), [Isle of Man](https://www.sendpaybusiness.com/free-website/isle-of-man), [Macau](https://www.sendpaybusiness.com/free-website/macau), [Mauritania](https://www.sendpaybusiness.com/free-website/mauritania), [Niger](https://www.sendpaybusiness.com/free-website/niger), [Chad](https://www.sendpaybusiness.com/free-website/chad), [Djibouti](https://www.sendpaybusiness.com/free-website/djibouti), [Guinea-Bissau](https://www.sendpaybusiness.com/free-website/guinea-bissau)
- Language pages: [العربية](https://www.sendpaybusiness.com/free-website/lang/ar), [مصري](https://www.sendpaybusiness.com/free-website/lang/arz), [اردو](https://www.sendpaybusiness.com/free-website/lang/ur), [हिन्दी](https://www.sendpaybusiness.com/free-website/lang/hi), [বাংলা](https://www.sendpaybusiness.com/free-website/lang/bn), [नेपाली](https://www.sendpaybusiness.com/free-website/lang/ne), [සිංහල](https://www.sendpaybusiness.com/free-website/lang/si), [简体中文](https://www.sendpaybusiness.com/free-website/lang/zh-hans), [繁體中文](https://www.sendpaybusiness.com/free-website/lang/zh-hant), [日本語](https://www.sendpaybusiness.com/free-website/lang/ja), [한국어](https://www.sendpaybusiness.com/free-website/lang/ko), [Tiếng Việt](https://www.sendpaybusiness.com/free-website/lang/vi), [ไทย](https://www.sendpaybusiness.com/free-website/lang/th), [Bahasa Indonesia](https://www.sendpaybusiness.com/free-website/lang/id), [Bahasa Melayu](https://www.sendpaybusiness.com/free-website/lang/ms), [Filipino](https://www.sendpaybusiness.com/free-website/lang/fil), [Türkçe](https://www.sendpaybusiness.com/free-website/lang/tr), [தமிழ்](https://www.sendpaybusiness.com/free-website/lang/ta), [తెలుగు](https://www.sendpaybusiness.com/free-website/lang/te), [मराठी](https://www.sendpaybusiness.com/free-website/lang/mr), [ગુજરાતી](https://www.sendpaybusiness.com/free-website/lang/gu), [ಕನ್ನಡ](https://www.sendpaybusiness.com/free-website/lang/kn), [മലയാളം](https://www.sendpaybusiness.com/free-website/lang/ml), [ਪੰਜਾਬੀ](https://www.sendpaybusiness.com/free-website/lang/pa), [Русский](https://www.sendpaybusiness.com/free-website/lang/ru), [Українська](https://www.sendpaybusiness.com/free-website/lang/uk), [Қазақша](https://www.sendpaybusiness.com/free-website/lang/kk), [Kiswahili](https://www.sendpaybusiness.com/free-website/lang/sw), [Hausa](https://www.sendpaybusiness.com/free-website/lang/ha), [Yorùbá](https://www.sendpaybusiness.com/free-website/lang/yo), [አማርኛ](https://www.sendpaybusiness.com/free-website/lang/am), [isiZulu](https://www.sendpaybusiness.com/free-website/lang/zu), [Afrikaans](https://www.sendpaybusiness.com/free-website/lang/af), [Soomaali](https://www.sendpaybusiness.com/free-website/lang/so), [Français](https://www.sendpaybusiness.com/free-website/lang/fr), [Português (Brasil)](https://www.sendpaybusiness.com/free-website/lang/pt-br), [O'zbekcha](https://www.sendpaybusiness.com/free-website/lang/uz), [Deutsch](https://www.sendpaybusiness.com/free-website/lang/de), [Español](https://www.sendpaybusiness.com/free-website/lang/es), [Italiano](https://www.sendpaybusiness.com/free-website/lang/it), [Nederlands](https://www.sendpaybusiness.com/free-website/lang/nl), [Polski](https://www.sendpaybusiness.com/free-website/lang/pl), [Svenska](https://www.sendpaybusiness.com/free-website/lang/sv), [Ελληνικά](https://www.sendpaybusiness.com/free-website/lang/el), [Română](https://www.sendpaybusiness.com/free-website/lang/ro), [Čeština](https://www.sendpaybusiness.com/free-website/lang/cs)
- Compared with other builders (SendPay is free to build, publish and keep; unlimited visits; no adverts; shop and payments free to add): [vs Webflow](https://www.sendpaybusiness.com/free-website/vs/webflow), [vs Wix](https://www.sendpaybusiness.com/free-website/vs/wix), [vs Squarespace](https://www.sendpaybusiness.com/free-website/vs/squarespace), [vs Shopify](https://www.sendpaybusiness.com/free-website/vs/shopify), [vs GoDaddy Website Builder](https://www.sendpaybusiness.com/free-website/vs/godaddy), [vs WordPress.com](https://www.sendpaybusiness.com/free-website/vs/wordpress), [vs Carrd](https://www.sendpaybusiness.com/free-website/vs/carrd), [vs Google Sites](https://www.sendpaybusiness.com/free-website/vs/google-sites), [vs Weebly](https://www.sendpaybusiness.com/free-website/vs/weebly), [vs Strikingly](https://www.sendpaybusiness.com/free-website/vs/strikingly)

## Solutions
- [Money transfer platform](https://www.sendpaybusiness.com/solutions/money-transfer-platform): Launch a branded money transfer platform with live exchange rates, international payouts, your own fees and a customer dashboard.
- [Branded card platform](https://www.sendpaybusiness.com/solutions/branded-card-platform): Launch a white-label card and account platform with your branding, virtual and physical cards, balances and customer controls.
- [Payment link platform](https://www.sendpaybusiness.com/solutions/payment-link-platform): Create a branded payment link platform for one-off payments, invoices and subscriptions, with your own customers and fees.
- [Crypto exchange platform](https://www.sendpaybusiness.com/solutions/crypto-exchange-platform): Build a white-label crypto exchange under your own brand with buy, sell and hold journeys, cash in and out, and an owner console.

## Guides
- [Build and preview your own website in 10 minutes, for £0](https://www.sendpaybusiness.com/blog/build-your-own-website-free-10-minutes): How to build a complete financial platform website under your own name in ten minutes without paying anything, edit every word and photo by clicking on it, read it in any language, and go live only when you decide to.
- [How to start your own bank-style app in the UK (without being a bank)](https://www.sendpaybusiness.com/blog/how-to-start-your-own-bank-app-uk): What a bank-style app actually is, what you can launch under your own brand in the UK, which permissions apply, and how to go from idea to a live platform.
- [White-label fintech platform: what it is and how it works](https://www.sendpaybusiness.com/blog/white-label-fintech-platform): A white-label fintech platform lets you launch accounts, cards, transfers or payment links under your own brand on someone else's rails. Here is how it works and what to look for.
- [How to build a money transfer app and send money abroad under your own brand](https://www.sendpaybusiness.com/blog/build-money-transfer-app): The steps to launch a money transfer app in the UK: the template, the rate your users see, the HMRC registration you will usually need, and the fees you set.
- [How to register your own domain and put your platform on it](https://www.sendpaybusiness.com/blog/register-your-own-domain): Where to register a domain for your financial platform, how DNS points it at your site, and how a platform built on SendPay Business moves from app.sendpaybusiness.com to your own address.
- [Payment links for UK businesses: get paid by link, invoice or subscription](https://www.sendpaybusiness.com/blog/payment-links-uk): How payment links work, what they cost elsewhere, and how to run your own payment-link platform where the fee is yours to set.
- [Issue your own branded Visa cards: how a card programme works](https://www.sendpaybusiness.com/blog/branded-visa-cards): What it takes to put your brand on a Visa card in the UK: the issuer, the programme approval, virtual and physical cards, and what your users get.
- [Do you need an FCA or HMRC registration? A plain-English guide for platform owners](https://www.sendpaybusiness.com/blog/fca-hmrc-registration-guide): Which UK permissions apply to money transfer, crypto, card and account platforms, in plain English, with what you can build before you have them.
- [How to launch a crypto exchange under your own brand in the UK](https://www.sendpaybusiness.com/blog/launch-crypto-exchange-uk): What a white-label crypto exchange includes, how buy and sell orders and cash in and out work, and the FCA registration you need before launch.
- [Memberships and subscriptions: how to bill the same people every month under your name](https://www.sendpaybusiness.com/blog/subscriptions-platform): How a membership platform works, from monthly billing and renewals to what you earn per member, and how to launch one on your own brand.
- [Marketplace payouts: how to pay your sellers automatically and keep your fee](https://www.sendpaybusiness.com/blog/marketplace-payouts): How a marketplace platform collects from buyers, pays sellers and keeps the platform fee, and what you need to run one in the UK.
- [How to set the fees on your own payment platform, and what they earn](https://www.sendpaybusiness.com/blog/set-your-platform-fees): A plain-English way to pick your platform's fee, check it against what the big providers charge, and work out what your fees earn.
- [Margin vs markup: the difference, and how to price so you actually earn what you planned](https://www.sendpaybusiness.com/blog/margin-vs-markup): Margin and markup are not the same number. A plain-English explanation with worked examples, the formula to price for a target margin, and a free calculator.
- [How to charge interest on a late invoice in the UK, step by step](https://www.sendpaybusiness.com/blog/late-payment-interest-uk): What the Late Payment of Commercial Debts (Interest) Act lets a business claim on an overdue invoice, how to work it out, and how to ask for it politely. With a free calculator.
- [What to put on an invoice in the UK: a plain checklist, and how to get it paid faster](https://www.sendpaybusiness.com/blog/what-to-put-on-an-invoice-uk): Everything a UK invoice needs, whether you're a sole trader, a limited company or VAT-registered, plus the small things that get invoices paid on time. With a free invoice generator.
- [Invoice payment terms explained: Net 30, due on receipt, and which to use](https://www.sendpaybusiness.com/blog/invoice-payment-terms-explained): What Net 7, Net 30, due on receipt, EOM and upfront deposits mean on an invoice, which terms get you paid fastest, and the default UK rule when you set none.
- [How to set your freelance rate: a simple sum that covers holidays, costs and quiet weeks](https://www.sendpaybusiness.com/blog/how-to-set-freelance-rates-uk): Work out a freelance hourly and day rate that actually pays you: start from the income you want, add costs, and divide by the hours you can really bill.
- [How to raise your prices without losing customers](https://www.sendpaybusiness.com/blog/how-to-raise-prices-small-business): When to put your prices up, how much notice to give, what to say, and a ready-made letter to send. A plain guide for freelancers and small businesses.
- [Break-even point explained: how many sales you need before you make a profit](https://www.sendpaybusiness.com/blog/break-even-point-explained): What a break-even point is, the simple sum to work it out, a worked example, and three ways to reach it sooner. Plain English for small businesses.
- [White-label banking app: what to compare before you build](https://www.sendpaybusiness.com/blog/white-label-banking-app-cost): What goes into a white-label banking app under your own brand, from a money transfer app to a full business account platform, what each one includes, and how to compare it with building your own.
- [How to start a currency exchange (FX) business online under your own brand](https://www.sendpaybusiness.com/blog/start-a-currency-exchange-business): How an online currency exchange business works, how it earns a margin on each conversion, the registration you need, and how to launch your own FX app with multi-currency accounts.
- [Virtual terminal vs payment links: how to take card payments over the phone](https://www.sendpaybusiness.com/blog/virtual-terminal-vs-payment-links): The difference between a virtual terminal and a payment link for taking card payments by phone or email, which keeps card numbers out of your hands, and which suits a small business.
- [Card machine alternatives: how small businesses can take card payments without a POS terminal](https://www.sendpaybusiness.com/blog/card-machine-alternatives-small-business): The main ways a small business can take card payments without buying a card machine or POS terminal, when a card machine is still worth it, and how payment links work in person.
- [How to start a crypto wallet app under your own brand](https://www.sendpaybusiness.com/blog/start-a-crypto-wallet-app): What a white-label crypto wallet app does, how it earns, the registration a crypto business needs, and how to launch one that holds crypto next to pounds, euros and dollars.
- [Banking as a service (BaaS) vs a white-label banking app: which should you pick?](https://www.sendpaybusiness.com/blog/banking-as-a-service-vs-white-label): The difference between building on a banking-as-a-service API and launching a ready-made white-label banking app, what each costs in time and people, and which suits a first-time founder.
- [Payment gateway vs merchant account vs payment facilitator, in plain English](https://www.sendpaybusiness.com/blog/payment-gateway-vs-merchant-account): What a payment gateway, a merchant account and a payment facilitator each do when a customer pays by card, how they fit together, and which a small business or new payments app actually needs.
- [How do neobanks and money apps make money? The five main ways, explained](https://www.sendpaybusiness.com/blog/how-do-neobanks-make-money): The main ways digital banking and money apps earn: card fees, currency exchange margins, transfer fees, paid plans and business fees, with worked examples you can apply to your own app.
- [How to start a payments company: a plain-English plan for first-time founders](https://www.sendpaybusiness.com/blog/how-to-start-a-payments-company): A step-by-step plan for starting a payments company: picking the businesses you'll serve, what you need to take payments for them, registration, pricing, and winning your first customers.
- [E-money institution vs bank: what's the difference, and which does your app need?](https://www.sendpaybusiness.com/blog/e-money-institution-vs-bank): How an electronic money institution (EMI) differs from a bank, how customer money is protected in each, and why most money apps run on an e-money or payments partner rather than a banking licence.
- [What is a virtual card? How they work, and how to issue your own](https://www.sendpaybusiness.com/blog/what-is-a-virtual-card): What a virtual card is, how it differs from a physical card, what people and businesses use them for, and how to issue branded virtual cards from your own money app.
- [KYC and AML explained: what a money app must check before serving customers](https://www.sendpaybusiness.com/blog/what-is-kyc-and-aml): What know your customer (KYC) and anti-money laundering (AML) checks are, why every money app has to run them, what a typical identity check involves, and how it fits into your sign-up.
- [What is open banking? How it works, and what it means for new money apps](https://www.sendpaybusiness.com/blog/what-is-open-banking): A plain-English guide to open banking: how people let apps see their bank data or start payments from their account, how it's kept safe, and why it matters to anyone launching a money app.
- [How do international money transfers work? SWIFT, SEPA and local payouts explained](https://www.sendpaybusiness.com/blog/how-international-money-transfers-work): A plain-English guide to what happens when money crosses a border: SWIFT, SEPA, local payout networks, exchange rates and where the fees come from. Written for anyone planning a money transfer app.
- [What is an interchange fee? How card payments are split, and who earns what](https://www.sendpaybusiness.com/blog/what-is-an-interchange-fee): A plain-English guide to interchange fees: who pays them, who earns them, the UK caps, and why they matter to anyone launching a money app with its own cards.
- [What is a stablecoin? How they hold their value, and why money apps care](https://www.sendpaybusiness.com/blog/what-is-a-stablecoin): A plain-English guide to stablecoins: what they are, how they try to stay at one dollar or one euro, the risks, the rules coming in, and what they mean for anyone launching a crypto or money app.
- [What is a payment service provider (PSP)? A plain-English guide for businesses](https://www.sendpaybusiness.com/blog/what-is-a-payment-service-provider): A plain-English guide to payment service providers: what a PSP does, how it differs from a gateway, an acquirer and a bank, what it costs, and how to choose one.
- [What is a chargeback? How card disputes work, and how businesses can avoid them](https://www.sendpaybusiness.com/blog/what-is-a-chargeback): A plain-English guide to chargebacks: why customers raise them, how the dispute process works, what it costs a business, and simple ways to cut them down.
- [What is a multi-currency account? How holding several currencies works](https://www.sendpaybusiness.com/blog/what-is-a-multi-currency-account): A plain-English guide to multi-currency accounts: how they work, who they help, what they cost, and how to offer them to your own customers.
- [What is a neobank? How app-only money accounts work, and how they differ from banks](https://www.sendpaybusiness.com/blog/what-is-a-neobank): A plain-English guide to neobanks: what they are, how they differ from high-street banks, whether your money is protected, and how new ones get started.
- [What is embedded finance? How any business can offer payments, cards and accounts](https://www.sendpaybusiness.com/blog/what-is-embedded-finance): A plain-English guide to embedded finance: what it means when non-financial businesses offer payments, cards, accounts or credit inside their own apps, with examples and how to start.
- [What is a remittance? How money sent home works, what it costs, and who earns](https://www.sendpaybusiness.com/blog/what-is-a-remittance): A plain-English guide to remittances: what they are, how people send money home, what it really costs, and why remittance apps are one of the biggest opportunities in payments.
- [What is a crypto on-ramp? How people swap pounds for crypto, and back again](https://www.sendpaybusiness.com/blog/what-is-a-crypto-on-ramp): A plain-English guide to crypto on-ramps and off-ramps: how people turn money into crypto and back, what checks are involved, what it costs, and why every crypto app needs them.
- [What is mobile money? How phone-based wallets like M-Pesa work](https://www.sendpaybusiness.com/blog/what-is-mobile-money): A plain-English guide to mobile money: how phone-number wallets work, where they're used, how people cash in and out through agents, and what they mean for money transfer apps.
- [What is a BIN sponsor? How new brands issue their own Visa and Mastercard cards](https://www.sendpaybusiness.com/blog/what-is-a-bin-sponsor): A plain-English guide to BIN sponsors and card issuing: what a BIN is, why new card programmes need a sponsor, who does what, and how to launch branded cards without your own licence.
- [What is the mid-market rate? The real exchange rate, and how to spot the hidden markup](https://www.sendpaybusiness.com/blog/what-is-the-mid-market-rate): A plain-English guide to the mid-market exchange rate: what it is, why providers give you a worse one, how to work out the hidden markup, and how currency businesses earn from it.
- [What is SEPA? How euro bank transfers, instant payments and direct debits work](https://www.sendpaybusiness.com/blog/what-is-sepa): A plain-English guide to SEPA, the Single Euro Payments Area: which countries it covers, SEPA transfers, SEPA Instant and direct debits, and what it means for businesses and money apps.
- [What is Strong Customer Authentication? SCA and 3-D Secure explained](https://www.sendpaybusiness.com/blog/what-is-strong-customer-authentication): A plain-English guide to Strong Customer Authentication (SCA): the two-of-three rule, how 3-D Secure works for card payments, common exemptions, and what it means for businesses and money apps.
- [What is a digital wallet? Apple Pay, Google Pay and app balances explained](https://www.sendpaybusiness.com/blog/what-is-a-digital-wallet): A plain-English guide to digital wallets: phone wallets like Apple Pay and Google Pay, balance wallets in money apps, how they keep card details safe, and how businesses use them.
- [What is a payment facilitator? How PayFacs let businesses take cards in minutes](https://www.sendpaybusiness.com/blog/what-is-a-payment-facilitator): A plain-English guide to payment facilitators (PayFacs): how they sign up businesses under one master account, how they differ from a traditional merchant account, and when a platform should become one.
- [What is a merchant category code? MCCs explained, and why they matter](https://www.sendpaybusiness.com/blog/what-is-a-merchant-category-code): A plain-English guide to merchant category codes (MCCs): the four-digit codes card networks use to classify businesses, how they affect fees, rewards and card controls, and why a money app should care.

## Important legal context
- [Terms](https://www.sendpaybusiness.com/terms)
- [Privacy](https://www.sendpaybusiness.com/privacy)