https://abfpay.com/en

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3    <title>ABF Pay | Cutting-Edge Fintech for Seamless Transactions</title>
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21    <meta name="description" content="Accept payments in 37+ currencies from 200+ countries and send funds to 70+ countries via SEPA, SWIFT and Faster Payments.">
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transparent}.dropdown-toggle:empty:after{margin-left:0}.dropdown-menu{--bs-dropdown-zindex: 1000;--bs-dropdown-min-width: 10rem;--bs-dropdown-padding-x: 0;--bs-dropdown-padding-y: .5rem;--bs-dropdown-spacer: .125rem;--bs-dropdown-font-size: 1rem;--bs-dropdown-color: var(--bs-body-color);--bs-dropdown-bg: var(--bs-body-bg);--bs-dropdown-border-color: var(--bs-border-color-translucent);--bs-dropdown-border-radius: var(--bs-border-radius);--bs-dropdown-border-width: var(--bs-border-width);--bs-dropdown-inner-border-radius: calc(var(--bs-border-radius) - var(--bs-border-width));--bs-dropdown-divider-bg: var(--bs-border-color-translucent);--bs-dropdown-divider-margin-y: .5rem;

22--bs-dropdown-box-shadow: var(--bs-box-shadow);--bs-dropdown-link-color: var(--bs-body-color);--bs-dropdown-link-hover-color: var(--bs-body-color);--bs-dropdown-link-hover-bg: var(--bs-tertiary-bg);--bs-dropdown-link-active-color: #fff;--bs-dropdown-link-active-bg: #0d6efd;--bs-dropdown-link-disabled-color: var(--bs-tertiary-color);--bs-dropdown-item-padding-x: 1rem;--bs-dropdown-item-padding-y: .25rem;--bs-dropdown-header-color: #6c757d;--bs-dropdown-header-padding-x: 1rem;--bs-dropdown-header-padding-y: .5rem;position:absolute;z-index:var(--bs-dropdown-zindex);display:none;min-width:var(--bs-dropdown-min-width);padding:var(--bs-dropdown-padding-y) var(--bs-dropdown-padding-x);margin:0;font-size:var(--bs-dropdown-font-size);color:var(--bs-dropdown-color);text-align:left;list-style:none;background-color:var(--bs-dropdown-bg);background-clip:padding-box;border:var(--bs-dropdown-border-width) solid var(--bs-dropdown-border-color);border-radius:var(--bs-dropdown-border-radius)}.dropdown-item{display:block;width:100%;padding:var(--bs-dropdown-item-padding-y) var(--bs-dropdown-item-padding-x);clear:both;font-weight:400;color:var(--bs-dropdown-link-color);text-align:inherit;text-decoration:none;white-space:nowrap;background-color:transparent;border:0;border-radius:var(--bs-dropdown-item-border-radius, 0)}.dropdown-item:hover,.dropdown-item:focus{color:var(--bs-dropdown-link-hover-color);background-color:var(--bs-dropdown-link-hover-bg)}.dropdown-item:active{color:var(--bs-dropdown-link-active-color);text-decoration:none;background-color:var(--bs-dropdown-link-active-bg)}.dropdown-item:disabled{color:var(--bs-dropdown-link-disabled-color);pointer-events:none;background-color:transparent}.card{--bs-card-spacer-y: 1rem;--bs-card-spacer-x: 1rem;--bs-card-title-spacer-y: .5rem;--bs-card-title-color: ;--bs-card-subtitle-color: ;--bs-card-border-width: var(--bs-border-width);--bs-card-border-color: var(--bs-border-color-translucent);--bs-card-border-radius: var(--bs-border-radius);

22--bs-card-box-shadow: ;--bs-card-inner-border-radius: calc(var(--bs-border-radius) - (var(--bs-border-width)));--bs-card-cap-padding-y: .5rem;--bs-card-cap-padding-x: 1rem;--bs-card-cap-bg: rgba(var(--bs-body-color-rgb), .03);--bs-card-cap-color: ;--bs-card-height: ;--bs-card-color: ;--bs-card-bg: var(--bs-body-bg);--bs-card-img-overlay-padding: 1rem;--bs-card-group-margin: .75rem;position:relative;display:flex;flex-direction:column;min-width:0;height:var(--bs-card-height);color:var(--bs-body-color);word-wrap:break-word;background-color:var(--bs-card-bg);background-clip:border-box;border:var(--bs-card-border-width) solid var(--bs-card-border-color);border-radius:var(--bs-card-border-radius)}.card-body{flex:1 1 auto;padding:var(--bs-card-spacer-y) var(--bs-card-spacer-x);color:var(--bs-card-color)}.card-title{margin-bottom:var(--bs-card-title-spacer-y);color:var(--bs-card-title-color)}.accordion{--bs-accordion-color: var(--bs-body-color);--bs-accordion-bg: var(--bs-body-bg);--bs-accordion-transition: color .15s ease-in-out, background-color .15s ease-in-out, border-color .15s ease-in-out, box-shadow .15s ease-in-out, border-radius .15s ease;--bs-accordion-border-color: var(--bs-border-color);--bs-accordion-border-width: var(--bs-border-width);--bs-accordion-border-radius: var(--bs-border-radius);--bs-accordion-inner-border-radius: calc(var(--bs-border-radius) - (var(--bs-border-width)));--bs-accordion-btn-padding-x: 1.25rem;--bs-accordion-btn-padding-y: 1rem;--bs-accordion-btn-color: var(--bs-body-color);--bs-accordion-btn-bg: var(--bs-accordion-bg);--bs-accordion-btn-icon: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='none' stroke='%23212529' stroke-linecap='round' stroke-linejoin='round'%3e%3cpath d='m2 5 6 6 6-6'/%3e%3c/svg%3e");--bs-accordion-btn-icon-width: 1.25rem;--bs-accordion-btn-icon-transform: rotate(-180deg);--bs-accordion-btn-icon-transition: transform .2s ease-in-out;--bs-accordion-btn-active-icon: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='none' stroke='rgb%285.2, 44, 101.2%29' stroke-linecap='round' stroke-linejoin='round'%3e%3cpath d='m2 5 6 6 6-6'/%3e%3c/svg%3e");--bs-accordion-btn-focus-box-shadow: 0 0 0 .25rem rgba(13, 110, 253, .25);--bs-accordion-body-padding-x: 1.25rem;--bs-accordion-body-padding-y: 1rem;--bs-accordion-active-color: var(--bs-primary-text-emphasis);--bs-accordion-active-bg: var(--bs-primary-bg-subtle)}.accordion-button{position:relative;display:flex;align-items:center;width:100%;padding:var(--bs-accordion-btn-padding-y) var(--bs-accordion-btn-padding-x);font-size:1rem;color:var(--bs-accordion-btn-color);text-align:left;background-color:var(--bs-accordion-btn-bg);border:0;border-radius:0;overflow-anchor:none;transition:var(--bs-accordion-transition)}@media (prefers-reduced-motion: reduce){.accordion-button{transition:none}}.accordion-button:not(.collapsed){color:var(--bs-accordion-active-color);background-color:var(--bs-accordion-active-bg);box-shadow:inset 0 calc(-1 * var(--bs-accordion-border-width)) 0 var(--bs-accordion-border-color)}.accordion-button:not(.collapsed):after{background-image:var(--bs-accordion-btn-active-icon);transform:var(--bs-accordion-btn-icon-transform)}.accordion-button:after{flex-shrink:0;width:var(--bs-accordion-btn-icon-width);height:var(--bs-accordion-btn-icon-width);margin-left:auto;content:"";background-image:var(--bs-accordion-btn-icon);background-repeat:no-repeat;background-size:var(--bs-accordion-btn-icon-width);transition:var(--bs-accordion-btn-icon-transition)}@media (prefers-reduced-motion: reduce){.accordion-button:after{transition:none}}.accordion-button:hover{z-index:2}.accordion-button:focus{z-index:3;outline:0;box-shadow:var(--bs-accordion-btn-focus-box-shadow)}.accordion-header{margin-bottom:0}.accordion-item{color:var(--bs-accordion-color);background-color:var(--bs-accordion-bg);border:var(--bs-accordion-border-width) solid var(--bs-accordion-border-color)}.accordion-item:first-of-type{border-top-left-radius:var(--bs-accordion-border-radius);border-top-right-radius:var(--bs-accordion-border-radius)}.accordion-item:first-of-type>.accordion-header .accordion-button{border-top-left-radius:var(--bs-accordion-inner-border-radius);border-top-right-radius:var(--bs-accordion-inner-border-radius)}.accordion-item:not(:first-of-type){border-top:0}.accordion-item:last-of-type{border-bottom-right-radius:var(--bs-accordion-border-radius);border-bottom-left-radius:var(--bs-accordion-border-radius)}.accordion-item:last-of-type>.accordion-header .accordion-button.collapsed{border-bottom-right-radius:var(--bs-accordion-inner-border-radius);border-bottom-left-radius:var(--bs-accordion-inner-border-radius)}.accordion-item:last-of-type>.accordion-collapse{border-bottom-right-radius:var(--bs-accordion-border-radius);border-bottom-left-radius:var(--bs-accordion-border-radius)}

22.accordion-body{padding:var(--bs-accordion-body-padding-y) var(--bs-accordion-body-padding-x)}[data-bs-theme=dark] .accordion-button:after{--bs-accordion-btn-icon: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='rgb%28109.8, 168, 253.8%29'%3e%3cpath fill-rule='evenodd' d='M1.646 4.646a.5.5 0 0 1 .708 0L8 10.293l5.646-5.647a.5.5 0 0 1 .708.708l-6 6a.5.5 0 0 1-.708 0l-6-6a.5.5 0 0 1 0-.708'/%3e%3c/svg%3e");--bs-accordion-btn-active-icon: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='rgb%28109.8, 168, 253.8%29'%3e%3cpath fill-rule='evenodd' d='M1.646 4.646a.5.5 0 0 1 .708 0L8 10.293l5.646-5.647a.5.5 0 0 1 .708.708l-6 6a.5.5 0 0 1-.708 0l-6-6a.5.5 0 0 1 0-.708'/%3e%3c/svg%3e")}.badge{--bs-badge-padding-x: .65em;--bs-badge-padding-y: .35em;--bs-badge-font-size: .75em;--bs-badge-font-weight: 700;--bs-badge-color: #fff;--bs-badge-border-radius: var(--bs-border-radius);display:inline-block;padding:var(--bs-badge-padding-y) var(--bs-badge-padding-x);font-size:var(--bs-badge-font-size);font-weight:var(--bs-badge-font-weight);line-height:1;color:var(--bs-badge-color);text-align:center;white-space:nowrap;vertical-align:baseline;border-radius:var(--bs-badge-border-radius)}.badge:empty{display:none}:root,[data-bs-theme=light]{--bs-btn-close-filter: }[data-bs-theme=dark]{--bs-btn-close-filter: invert(1) grayscale(100%) brightness(200%)}.text-bg-secondary{color:#fff!important;background-color:RGBA(var(--bs-secondary-rgb),var(--bs-bg-opacity, 1))!important}.overflow-hidden{overflow:hidden!important}.overflow-x-hidden{overflow-x:hidden!important}.d-block{display:block!important}.d-flex{display:flex!important}.d-none{display:none!important}.position-relative{position:relative!important}.position-absolute{position:absolute!important}.position-fixed{position:fixed!important}.top-0{top:0!important}.bottom-0{bottom:0!important}.start-0{left:0!important}.end-0{right:0!important}.border{border:var(--bs-border-width) var(--bs-border-style) var(--bs-border-color)!important}.border-0{border:0!important}.border-start{border-left:var(--bs-border-width) var(--bs-border-style) var(--bs-border-color)!important}.border-light-subtle{border-color:var(--bs-light-border-subtle)!important}.w-100{width:100%!important}.w-auto{width:auto!important}.h-100{height:100%!important}.flex-row{flex-direction:row!important}.flex-column{flex-direction:column!important}.flex-column-reverse{flex-direction:column-reverse!important}.flex-wrap{flex-wrap:wrap!important}.justify-content-start{justify-content:flex-start!important}.justify-content-end{justify-content:flex-end!important}.justify-content-center{justify-content:center!important}.justify-content-between{justify-content:space-between!important}.align-items-start{align-items:flex-start!important}.align-items-end{align-items:flex-end!important}.align-items-center{align-items:center!important}.align-content-start{align-content:flex-start!important}.align-self-center{align-self:center!important}.mx-3{margin-right:.75rem!important;margin-left:.75rem!important}.mx-auto{margin-right:auto!important;margin-left:auto!important}.mt-0{margin-top:0!important}.mt-3{margin-top:.75rem!important}.mt-5{margin-top:1.25rem!important}.mt-8{margin-top:2.5rem!important}.mb-0{margin-bottom:0!important}.mb-2{margin-bottom:.5rem!important}.mb-3{margin-bottom:.75rem!important}.mb-5{margin-bottom:1.25rem!important}.ms-0{margin-left:0!important}.p-0{padding:0!important}.p-2{padding:.5rem!important}.p-5{padding:1.25rem!important}.px-0{padding-right:0!important;padding-left:0!important}.px-4{padding-right:1rem!important;padding-left:1rem!important}.px-5{padding-right:1.25rem!important;padding-left:1.25rem!important}.px-6{padding-right:1.5rem!important;padding-left:1.5rem!important}.px-8{padding-right:2.5rem!important;padding-left:2.5rem!important}.py-2{padding-top:.5rem!important;padding-bottom:.5rem!important}.py-5{padding-top:1.25rem!important;padding-bottom:1.25rem!important}.py-6{padding-top:1.5rem!important;padding-bottom:1.5rem!important}.py-8{padding-top:2.5rem!important;padding-bottom:2.5rem!important}.pt-0{padding-top:0!important}.pt-8{padding-top:2.5rem!important}.pt-9{padding-top:3rem!important}.pb-0{padding-bottom:0!important}.pb-9{padding-bottom:3rem!important}.ps-4{padding-left:1rem!important}

22.gap-0{gap:0!important}.gap-2{gap:.5rem!important}.gap-3{gap:.75rem!important}.gap-4{gap:1rem!important}.gap-5{gap:1.25rem!important}.gap-9{gap:3rem!important}.gap-10{gap:5rem!important}.fs-3{font-size:calc(1.3rem + .6vw)!important}.fs-4{font-size:calc(1.275rem + .3vw)!important}.fs-5{font-size:1.25rem!important}.fs-6{font-size:1rem!important}.fw-normal{font-weight:400!important}.fw-semibold{font-weight:600!important}.fw-bold{font-weight:700!important}.lh-sm{line-height:1.25!important}.lh-base{line-height:1.5!important}.text-start{text-align:left!important}.text-center{text-align:center!important}.text-decoration-none{text-decoration:none!important}.text-secondary{--bs-text-opacity: 1;color:rgba(var(--bs-secondary-rgb),var(--bs-text-opacity))!important}.text-dark{--bs-text-opacity: 1;color:rgba(var(--bs-dark-rgb),var(--bs-text-opacity))!important}.text-white{--bs-text-opacity: 1;color:rgba(var(--bs-white-rgb),var(--bs-text-opacity))!important}.bg-warning{--bs-bg-opacity: 1;background-color:rgba(var(--bs-warning-rgb),var(--bs-bg-opacity))!important}.bg-dark{--bs-bg-opacity: 1;background-color:rgba(var(--bs-dark-rgb),var(--bs-bg-opacity))!important}.bg-white{--bs-bg-opacity: 1;background-color:rgba(var(--bs-white-rgb),var(--bs-bg-opacity))!important}.bg-transparent{--bs-bg-opacity: 1;background-color:transparent!important}.rounded-4{border-radius:var(--bs-border-radius-xl)!important}.z-1{z-index:1!important}.z-3{z-index:3!important}@media (min-width: 576px){.d-sm-block{display:block!important}.d-sm-none{display:none!important}.flex-sm-row{flex-direction:row!important}.flex-sm-column{flex-direction:column!important}.justify-content-sm-start{justify-content:flex-start!important}.justify-content-sm-between{justify-content:space-between!important}.mx-sm-5{margin-right:1.25rem!important;margin-left:1.25rem!important}.mt-sm-5{margin-top:1.25rem!important}.mt-sm-8{margin-top:2.5rem!important}.mt-sm-10{margin-top:5rem!important}.mb-sm-5{margin-bottom:1.25rem!important}.ms-sm-2{margin-left:.5rem!important}.p-sm-8{padding:2.5rem!important}.py-sm-9{padding-top:3rem!important;padding-bottom:3rem!important}.py-sm-10{padding-top:5rem!important;padding-bottom:5rem!important}.pt-sm-8{padding-top:2.5rem!important}.pt-sm-10{padding-top:5rem!important}.pe-sm-8{padding-right:2.5rem!important}.pb-sm-8{padding-bottom:2.5rem!important}.gap-sm-0{gap:0!important}.gap-sm-2{gap:.5rem!important}.gap-sm-3{gap:.75rem!important}.gap-sm-5{gap:1.25rem!important}}@media (min-width: 768px){.mb-md-8{margin-bottom:2.5rem!important}.p-md-5{padding:1.25rem!important}}@media (min-width: 992px){.d-lg-flex{display:flex!important}.d-lg-none{display:none!important}.flex-lg-row{flex-direction:row!important}.flex-lg-column{flex-direction:column!important}.gap-lg-9{gap:3rem!important}}@media (min-width: 1200px){.flex-xl-row{flex-direction:row!important}.justify-content-xl-between{justify-content:space-between!important}.align-items-xl-end{align-items:flex-end!important}}@media (min-width: 1400px){.px-xxl-0{padding-right:0!important;padding-left:0!important}}@media (min-width: 1200px){.fs-3{font-size:1.75rem!important}.fs-4{font-size:1.5rem!important}}@font-face{font-family:Nunito;src:url(/assets/fonts/Nunito-Regular.woff2) format("woff2"),url(/assets/fonts/Nunito-Regular.ttf) format("truetype");font-style:normal;font-weight:400;font-display:swap}@font-face{font-family:Nunito;src:url(/assets/fonts/Nunito-SemiBold.woff2) format("woff2"),url(/assets/fonts/Nunito-SemiBold.ttf) format("truetype");font-style:normal;font-weight:600;font-display:swap}@font-face{font-family:Nunito;src:url(/assets/fonts/Nunito-Bold.woff2) format("woff2"),url(/assets/fonts/Nunito-Bold.ttf) format("truetype");font-style:normal;font-weight:700;font-display:swap}body{display:flex;flex-direction:column;min-height:100vh;overflow-x:clip;transition:background-color .3s ease}body app-root{display:flex;flex-direction:column;flex:1;overflow-x:clip}body router-outlet+*{flex:1}a{text-decoration:none;color:var(--bs-body-color);transition:color .3s ease-in-out,opacity .3s ease-in-out}a:focus-visible{outline:none}h1{font-weight:700}h2,h3,h4,h5,.h4{font-weight:600}@media (max-width: 767.98px){h1{font-size:3rem!important;line-height:3.75rem}h3{font-size:1.875rem!important;line-height:2.375rem!important}h4,.h4{font-size:1.5rem!important;line-height:2rem!important}}@media (max-width: 575.98px){h1{font-size:2.25rem!important;font-weight:600!important;line-height:2.75rem!important}h3{font-size:1.5rem!important;line-height:2rem!important}h4,.h4{font-size:1.25rem!important;line-height:1.875rem!important}}.btn{--bs-btn-padding-x: 1.25rem;--bs-btn-padding-y: .75rem;--bs-btn-border-radius: 2rem}.btn-lg{--bs-btn-padding-y: 1.625rem;--bs-btn-padding-x: 2.375rem;--bs-btn-font-size: 1.25rem;--bs-btn-border-radius: 2rem}@media (max-width: 575.98px){.btn-lg{--bs-btn-padding-y: 1.25rem;--bs-btn-padding-x: 2rem;--bs-btn-font-size: 1rem;--bs-btn-border-radius: 1.5rem}}.btn-sm{--bs-btn-padding-y: .625rem;--bs-btn-padding-x: 1.125rem;--bs-btn-font-size: 1rem;--bs-border-radius-sm: 2.75rem}.dropdown-toggle{cursor:pointer}.dropdown-menu{--bs-dropdown-min-width: 5rem;--bs-dropdown-padding-x: 2.38rem;--bs-dropdown-padding-y: 1.62rem;--bs-dropdown-border-color: var(--bs-border-color);--bs-dropdown-border-radius: 1.25rem;--bs-dropdown-link-hover-bg: transparent;--bs-dropdown-link-active-bg: transparent;--bs-dropdown-item-padding-x: 0;--bs-dropdown-item-padding-y: .5rem}.accordion{--bs-accordion-bg: transparent;--bs-accordion-border-width: 0;--bs-accordion-active-bg: transparent}.accordion .accordion-button>*{font-weight:500}.accordion .accordion-button:focus,.accordion .accordion-button:focus-visible{outline:none;box-shadow:none}@media (max-width: 575.98px){.accordion .accordion-body{padding-left:0}}.accordion-item:first-of-type>.accordion-header .accordion-button{padding-top:0}.card{--bs-card-border-radius: 3.75rem;--bs-card-spacer-y: 2.5rem;--bs-card-spacer-x: 2.5rem}@media (max-width: 575.98px){.card{--bs-card-spacer-y: 1.25rem;--bs-card-spacer-x: 1.25rem}}.lh-base{line-height:1.75rem!important}.bg-warning{background-color:#faa61a!important}.badge{--bs-badge-padding-x: .5rem;--bs-badge-padding-y: .1875rem;--bs-badge-font-size: .75em;--bs-badge-border-radius: .5rem;color:#000}[data-bs-theme=dark] h1,[data-bs-theme=dark] h2,[data-bs-theme=dark] h3,[data-bs-theme=dark] h4,[data-bs-theme=dark] h5,[data-bs-theme=dark] .h4{color:var(--bs-white)}[data-bs-theme=dark] a:not(.btn):hover{color:var(--bs-white)}[data-bs-theme=dark] .btn-primary,[data-bs-theme=dark] a.btn-primary{--bs-btn-bg: #fff;--bs-btn-color: var(--bs-button-color);--bs-btn-border-color: #fff;--bs-btn-hover-color: var(--bs-button-color);--bs-btn-hover-bg: #eff1f4;--bs-btn-hover-border-color: #eff1f4;--bs-btn-active-color: var(--bs-button-color);--bs-btn-active-bg: #eff1f4;--bs-btn-active-border-color: #eff1f4;--bs-btn-active-shadow: 0px 1px 2px 0px rgba(16, 24, 40, .05);--bs-btn-disabled-color: var(--bs-button-color);--bs-btn-disabled-bg: #eff1f4;--bs-btn-disabled-border-color: #eff1f4}[data-bs-theme=dark] .btn-secondary,[data-bs-theme=dark] a.btn-secondary{--bs-btn-bg: rgba(255, 255, 255, .08);--bs-btn-color: #fff;--bs-btn-border-color: rgba(255, 255, 255, .08);--bs-btn-hover-color: #fff;--bs-btn-hover-bg: rgba(255, 255, 255, .1);--bs-btn-hover-border-color: rgba(255, 255, 255, .08);--bs-btn-active-color: #fff;--bs-btn-active-bg: rgba(255, 255, 255, .1);--bs-btn-active-border-color: rgba(255, 255, 255, .08);--bs-btn-active-shadow: 0px 1px 2px 0px rgba(16, 24, 40, .05);--bs-btn-disabled-color: #fff;--bs-btn-disabled-bg: rgba(255, 255, 255, .08);--bs-btn-disabled-border-color: rgba(255, 255, 255, .08);backdrop-filter:blur(5px)}[data-bs-theme=dark] .accordion-button:after{--bs-accordion-btn-icon: url("./media/plus-white-GYONAR4I.svg");

22--bs-accordion-btn-active-icon: url("./media/minus-white-ZKMM5KTB.svg");width:24px;height:24px}[data-bs-theme=dark] .text-bg-secondary{color:var(--bs-body-color)!important;background-color:var(--bs-bg-secondary)!important}[data-bs-theme=dark] .dropdown-menu{--bs-dropdown-border-color: transparent;--bs-dropdown-link-hover-bg: transparent;--bs-dropdown-link-active-bg: transparent;--bs-dropdown-color: var(--bs-body-color);--bs-dropdown-bg: var(--bs-white)}[data-bs-theme=dark] .dropdown-item:hover,[data-bs-theme=dark] .dropdown-item:focus{color:#000!important}[data-bs-theme=light] h2,[data-bs-theme=light] h3{color:var(--bs-black)}[data-bs-theme=light] a:not(.btn):hover{color:var(--bs-black)}[data-bs-theme=light] .btn-primary,[data-bs-theme=light] a.btn-primary{--bs-btn-bg: #141414;--bs-btn-color: var(--bs-button-color);--bs-btn-border-color: #141414;--bs-btn-hover-color: var(--bs-button-color);--bs-btn-hover-bg: #000;--bs-btn-hover-border-color: #000;--bs-btn-active-color: 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991.98px){.nav-container{padding-left:32px!important;padding-right:32px!important}}@media (max-width: 575.98px){.nav-container{padding-left:16px!important;padding-right:16px!important}}#abf-logo{text-decoration:none;color:var(--bs-body-color);opacity:1;visibility:visible}#abf-logo path:not(.save-color){fill:#000}.page-main-block{display:flex;align-items:center;justify-content:center;padding-top:12.25rem;padding-bottom:6.25rem}.page-main-block:before{content:"";position:absolute;top:0;left:0;width:100%;height:100%;background-color:var(--bs-body-bg);z-index:-1}.page-main-block .main-container{max-width:50rem;width:100%;display:flex;flex-direction:column;align-items:center;gap:2.5rem;padding:0 2.5rem}@media (max-width: 575.98px){.page-main-block .main-container{padding:0 1rem}}.page-main-block .main-container .main-container-logo{position:absolute;top:0;height:100vh;opacity:1}@media (max-width: 991.98px){.page-main-block .main-container .main-container-logo{height:auto;width:110vw}}@media (max-width: 575.98px){.page-main-block .main-container .main-container-logo{height:auto;width:115vw}}@media (max-width: 320px){.page-main-block .main-container .main-container-logo{top:3rem;height:auto;width:115vw}}.page-main-block .main-container .main-container-image{opacity:0;z-index:-1;object-fit:cover}.page-main-block .main-container .h4{font-size:1.875rem;font-style:normal;font-weight:600;line-height:2.375rem;margin:0}@media (max-width: 767.98px){.page-main-block .main-container .h4{font-size:1.5rem;line-height:2rem}}@media (max-width: 575.98px){.page-main-block .main-container .h4{font-size:1.25rem;line-height:1.875rem}}.page-main-block .main-container .blur-block{padding:0 5rem 6.5rem;margin:-2px auto;backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);background:linear-gradient(0deg,#000,#0000);mask:linear-gradient(transparent,#000 20%);-webkit-mask:linear-gradient(transparent,#000 20%);max-width:1680px}@media only screen and (min-width: 1440px) and (max-width: 1720px){.page-main-block .main-container .blur-block{padding:6rem 80px 55px!important}}@media (max-width: 1440px){.page-main-block .main-container .blur-block{padding:6rem 55px 55px!important}}@media (min-width: 1400px){.page-main-block .main-container .blur-block{padding:6.25rem 0}}@media (max-width: 1199.98px){.page-main-block .main-container .blur-block{display:flex;padding:0 5rem 2.5rem}}@media (max-width: 1199.98px) and (max-width: 768px){.page-main-block .main-container .blur-block{padding-bottom:calc(2.5rem + env(safe-area-inset-bottom,0px))}}@media (max-width: 1199.98px) and (max-width: 576px){.page-main-block .main-container .blur-block{padding:0 1.25rem calc(3rem + env(safe-area-inset-bottom,0px)) 1.25rem}}@media (max-width: 991.98px){.page-main-block .main-container .blur-block{display:flex;padding:15vh 26px 40px!important;justify-content:center!important}}@media (max-width: 767.98px){.page-main-block .main-container .blur-block{padding:0 5rem 2.5rem}}@media (max-width: 575.98px){.page-main-block .main-container .blur-block{padding:0 1rem}}.page-main-block .main-container .blur-block .hero-text{padding:0 10px}.page-main-block .main-container .blur-block .abf-pay-label{color:var(--Pay-Gray-300, #777c80);font-size:30px;font-style:normal;font-weight:400;line-height:38px;text-transform:uppercase}@media (max-width: 575.98px){.page-main-block .main-container .blur-block .abf-pay-label{font-size:16px!important}}.page-main-block .main-container .blur-block .app-banner-buttons{background-color:#ffffff14}.page-main-block .main-container .blur-block .app-banner-buttons a:has(img){gap:1rem!important}.page-main-block .main-container .blur-block .app-banner-buttons img{width:auto!important}@media (max-width: 575.98px){.page-main-block .main-container .blur-block .app-banner-buttons .btn{padding:16px 24px}}.card:has(.banner-logo-container){--bs-card-border-radius: 20px;border-radius:20px}.card:has(.banner-logo-container) 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22.btn{transition:box-shadow .3s cubic-bezier(.4,0,.2,1),transform .3s cubic-bezier(.4,0,.2,1)}.btn:after{content:"";position:absolute;inset:0;border-radius:inherit;box-shadow:0 4px 12px #80808080;mix-blend-mode:difference;opacity:0;transition:opacity .3s cubic-bezier(.4,0,.2,1);pointer-events:none}.btn:hover{transform:scale(1.05)!important}.btn:hover:after{opacity:1}.application-banner{position:relative}.application-banner .card{display:flex;justify-content:flex-start;padding:80px 40px}@media (max-width: 1024px){.application-banner .card{padding:40px}}@media (min-width: 1440px){.application-banner .card{max-width:1600px;height:800px}.application-banner .card .content{max-width:600px}}.application-banner .btn[data-bs-theme=light]{background-color:#000;color:#fff}.dropdown-menu-container{position:relative}.dropdown-menu-container>a{border-width:1px;border-style:solid;border-color:transparent;padding:.625rem 1rem;border-radius:2rem}.dropdown-menu-container .dropdown-menu-wrapper{position:absolute;display:none;padding-top:1rem;z-index:100}.dropdown-menu-container .custom-dropdown-menu{display:flex;flex-direction:column;position:relative;border-radius:1.25rem;padding:1.625rem 2.375rem;box-shadow:0 20px 20px #00000040}.dropdown-menu-container .custom-dropdown-menu .h4{margin-bottom:1rem}.dropdown-menu-container .custom-dropdown-menu a{white-space:nowrap;padding:.625rem 0}.dropdown-menu-container .custom-dropdown-menu .dropdown-arrow{position:absolute;bottom:calc(100% - 1px);left:2rem}.dropdown-menu-container:hover .dropdown-menu-wrapper{display:block}.full-height{min-height:100vh}@supports (min-height: 100dvh){@media (max-width: 768px){.full-height{min-height:100dvh}}}.small{font-size:.75rem}.translate-middle-y-40{transform:translateY(-40%)!important}body{transition:background-color .5s ease-in-out}.big-news-img{height:auto;object-fit:cover;display:block}@media (min-width: 992px){.big-news-img{aspect-ratio:800/390;height:auto;object-fit:cover}}.news-arrow-btn{display:flex;padding:.5rem;align-items:center;gap:.5rem;border-radius:2rem;border:1px solid rgba(255,255,255,.08);background:#141414;backdrop-filter:blur(5px)}.news-arrow-btn:hover{background:#ffffff1a!important}[data-bs-theme=dark] #abf-logo path:not(.save-color){fill:#fff}[data-bs-theme=dark] body:before{background:radial-gradient(127% 125.04% at 0% -25.04%,#202020,#141414 85.31%);width:100%;height:100vh;position:absolute;top:0;left:0;content:" ";z-index:-1}[data-bs-theme=dark] #abf-menu path{stroke:#fff}[data-bs-theme=dark] .custom-dropdown-menu{background-color:#fff}[data-bs-theme=dark] .custom-dropdown-menu .h4{color:#000}[data-bs-theme=dark] .custom-dropdown-menu a{color:var(--bs-body-color)}[data-bs-theme=dark] .custom-dropdown-menu a:hover{color:#000}[data-bs-theme=dark] .custom-dropdown-menu .dropdown-arrow path{fill:#fff}[data-bs-theme=dark] 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3.5rem);position:fixed;right:0;top:0;height:100vh;height:100dvh;padding:.625rem;z-index:100;transform:translate3d(100%,0,0);transition:transform var(--mobile-menu-duration) var(--mobile-menu-ease)}.mobile-menu-container .mobile-menu .mobile-menu-body{border-radius:1.25rem;height:100%;border:1px solid rgba(255,255,255,.03);background:#202020e6;backdrop-filter:blur(40px);padding:2.5rem 1.25rem;overflow-y:auto;display:flex;flex-direction:column;gap:1.25rem}.mobile-menu-container .mobile-menu .mobile-menu-body .reg-links .border{border:1px solid rgba(255,255,255,.08)!important}.mobile-menu-container .mobile-menu .mobile-menu-body .reg-links .btn-white{background-color:#fff;color:#000}.mobile-menu-container .mobile-menu .mobile-menu-body a{color:var(--bs-body-color);padding:.625rem 1rem;transition:color .3s ease-in-out}.mobile-menu-container .mobile-menu .mobile-menu-body a:hover{color:#fff}.mobile-menu-container .mobile-menu .mobile-menu-body a.chapter-link{color:#fff;font-size:1.125rem;font-style:normal;font-weight:600;line-height:1.75rem;margin-bottom:1rem;padding:0rem 1rem;display:flex;align-items:center;gap:1rem}.mobile-menu-container .mobile-menu .mobile-menu-body .mobile-menu-chapter{display:flex;flex-direction:column;gap:.31rem}#personal{background-color:#eff1f4;margin-bottom:80px}#personal:before{width:200vw;height:100vh;position:absolute;top:-80px;left:-20%;z-index:-1;content:" ";background:linear-gradient(to bottom,#000,#ff00 85.31%);mask:linear-gradient(to bottom,black 0%,rgba(255,255,0,0) 85.31%)}.footer-title-color{color:#bbbfc3}.line-height-normal{line-height:normal!important}.title{opacity:0;transform:translateY(50px);transition:opacity 1s ease-in-out,transform 1s ease-in-out}@media (max-width: 375px){.title{padding:0 1rem}}.dark-custom-bg{background-color:#000}.footer-container{width:100%;margin-left:auto;margin-right:auto;padding-left:16px;padding-right:16px}@media (min-width: 992px){.footer-container{max-width:960px}}@media (min-width: 1200px){.footer-container{max-width:1140px}}@media (min-width: 1400px){.footer-container{max-width:1280px}}.footer-top{row-gap:2.5rem;column-gap:1.5rem;align-items:flex-start}.footer-top .footer-brand,.footer-top .footer-col{min-width:0}.footer-top .footer-brand{flex:1 0 100%;max-width:none;width:fit-content}.footer-top .footer-brand .footer-brand__meta{display:flex;flex-wrap:wrap;align-items:center;column-gap:1rem;row-gap:.5rem;margin-top:1.25rem;width:fit-content;max-width:100%}.footer-top .footer-brand .footer-brand__meta>p,.footer-top .footer-brand .footer-brand__socials{width:fit-content;margin:0}.footer-top .footer-col{flex:1 1 9rem}@media (min-width: 576px) and (max-width: 991.98px){.footer-top .footer-brand{flex:1 0 100%}.footer-top .footer-col{flex:1 1 0;max-width:12rem}}@media (min-width: 992px){.footer-top .footer-brand{flex:0 1 16rem;max-width:18rem}.footer-top .footer-col{flex:0 1 10rem}}@media (max-width: 575.98px){.footer-top{flex-direction:column!important;flex-wrap:nowrap!important;justify-content:flex-start!important}.footer-top .footer-brand,.footer-top .footer-col{flex:0 0 auto!important;width:100%!important;max-width:none!important}}#business{background-color:#000}#personal,#business,#smarter-and-faster{border-radius:3.75rem}@media (max-width: 768px){#personal,#business,#smarter-and-faster{border-radius:2.5rem}}@media (max-width: 425px){#personal,#business,#smarter-and-faster{border-radius:1.875rem}}#personal .card-body,#business .card-body,#smarter-and-faster .card-body{border-radius:3.75rem;overflow:hidden}#main-news{max-width:1280px;margin:0 auto;padding-left:.75rem;padding-right:.75rem}@media (min-width: 576px){#main-news{padding-left:1.5rem;padding-right:1.5rem}}@media (min-width: 1200px){#main-news{padding-left:0;padding-right:0}}#main-news .title{font-size:48px;text-align:center;font-style:normal;font-weight:700;line-height:28px}@media (max-width: 767px){#main-news .title{font-size:36px}}@media (max-width: 479px){#main-news .title{font-size:24px}}#main-news .view-more{height:100%}@media (max-width: 991.98px){#main-news .view-more img{width:2rem;height:2rem}}#smarter-and-faster{max-width:1280px;margin:0 auto;padding-left:.75rem;padding-right:.75rem;border-radius:60px}@media (min-width: 576px){#smarter-and-faster{padding-left:1.5rem;padding-right:1.5rem}}@media (min-width: 1200px){#smarter-and-faster{padding-left:0;padding-right:0}}#smarter-and-faster .smarter-and-faster-title{text-align:center;font-size:var(--h4, 30px);font-style:normal;font-weight:700;line-height:normal}#smarter-and-faster .smarter-and-faster-sub-title{text-align:center;font-size:var(--LG, 18px);font-style:normal;font-weight:400;line-height:normal}#smarter-and-faster .card-body{border-radius:3.75rem;width:100%;padding-top:80px;padding-bottom:80px}#smarter-and-faster .card-body .btn{background-color:#000}@media (max-width: 768px){#smarter-and-faster .card-body{border-radius:2.5rem}#smarter-and-faster .smarter-and-faster-title,#smarter-and-faster .smarter-and-faster-sub-title{max-width:290px}#smarter-and-faster .illustration-img{width:269px}}@media (max-width: 425px){#smarter-and-faster .card-body{border-radius:1.875rem;width:100%;padding-top:40px;padding-bottom:40px}#smarter-and-faster .smarter-and-faster-title{font-size:24px!important}#smarter-and-faster .smarter-and-faster-sub-title{font-size:14px!important}

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.carousel-slide.is-active[_ngcontent-ng-c2540602908]   .content-column[_ngcontent-ng-c2540602908]   .btn[_ngcontent-ng-c2540602908]{filter:blur(0);opacity:1;transform:translate(0)}.carousel-slide.is-active[_ngcontent-ng-c2540602908]   .illustration-img[_ngcontent-ng-c2540602908]{transform:scale(1) translateY(0)}.carousel-slide.is-active[_ngcontent-ng-c2540602908]   .main-img[_ngcontent-ng-c2540602908]{opacity:1;translate:0}.carousel-slide.is-active[_ngcontent-ng-c2540602908]   .main-img[data-index="0"][_ngcontent-ng-c2540602908]{transform:translateY(-24%) scale(1.2)}@media (max-width: 577px){.carousel-slide.is-active[_ngcontent-ng-c2540602908]   .main-img[data-index="0"][_ngcontent-ng-c2540602908]{transform:translateY(0) scale(1.6)}}.carousel-slide.is-active[_ngcontent-ng-c2540602908]   .main-img[data-index="1"][_ngcontent-ng-c2540602908]{transform:translateY(-48%) scale(1.4)}@media (max-width: 767px){.carousel-slide.is-active[_ngcontent-ng-c2540602908]   .main-img[data-index="1"][_ngcontent-ng-c2540602908]{transform:translateY(-40%)}}@media (max-width: 577px){.carousel-slide.is-active[_ngcontent-ng-c2540602908]   .main-img[data-index="1"][_ngcontent-ng-c2540602908]{transform:translateY(-24%) scale(1) rotate(0)}}@media (max-width: 440px){.carousel-slide.is-active[_ngcontent-ng-c2540602908]   .main-img[data-index="1"][_ngcontent-ng-c2540602908]{transform:translateY(0) scale(.8)}}.carousel-slide.is-active[_ngcontent-ng-c2540602908]   .main-img[data-index="2"][_ngcontent-ng-c2540602908]{transform:translateY(10%) scale(1.6)}@media (max-width: 767px){.carousel-slide.is-active[_ngcontent-ng-c2540602908]   .main-img[data-index="2"][_ngcontent-ng-c2540602908]{transform:translateY(-17%)}}@media (max-width: 577px){.carousel-slide.is-active[_ngcontent-ng-c2540602908]   .main-img[data-index="2"][_ngcontent-ng-c2540602908]{transform:translateY(-7%) scale(.8)}}@media (max-width: 440px){.carousel-slide.is-active[_ngcontent-ng-c2540602908]   .main-img[data-index="2"][_ngcontent-ng-c2540602908]{transform:translateY(16%) scale(1)}}.card-body[_ngcontent-ng-c2540602908]{border-radius:16px;height:100%;padding:2.5rem;border-radius:40px!important}@media (max-width: 767px){.card-body[_ngcontent-ng-c2540602908]{padding:1.5rem;border-radius:20px!important}}.card-body.bg-gray[_ngcontent-ng-c2540602908]{background-color:#202020!important}.card-body.bg-dark[_ngcontent-ng-c2540602908]{background-color:#141414!important}

23.carousel-controls[_ngcontent-ng-c2540602908]{display:flex;align-items:center;justify-content:center;gap:2rem;margin-top:1.5rem;border-radius:40px}@media (max-width: 767px){.carousel-controls[_ngcontent-ng-c2540602908]{gap:1rem;margin-top:2rem}}.carousel-indicators[_ngcontent-ng-c2540602908]{display:flex;height:56px;padding:16px 32px;align-items:center;gap:12px;border-radius:40px;background:var(--Surface-surface-secondary, #202020);backdrop-filter:blur(5px)}.carousel-indicator[_ngcontent-ng-c2540602908]{position:relative;width:8px;height:8px;border:none;border-radius:50%;background:#777c80;cursor:pointer;padding:0;transition:background-color .3s cubic-bezier(.4,0,.2,1),width .3s cubic-bezier(.4,0,.2,1),border-radius .3s cubic-bezier(.4,0,.2,1);overflow:visible}.carousel-indicator[_ngcontent-ng-c2540602908]:after{content:"";position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);min-width:44px;min-height:44px}.carousel-indicator[_ngcontent-ng-c2540602908]:hover{background:#525659}.carousel-indicator.is-active[_ngcontent-ng-c2540602908]{width:30px;border-radius:4px;background:#777c80;overflow:hidden}.carousel-indicator.is-active[_ngcontent-ng-c2540602908]   .progress-bar[_ngcontent-ng-c2540602908]{display:block;position:absolute;top:0;left:0;height:100%;width:100%;background:#3c3e40;border-radius:4px;transform-origin:left;animation:_ngcontent-ng-c2540602908_progressBar 5s linear;will-change:transform}@media (max-width: 767px){.carousel-indicator[_ngcontent-ng-c2540602908]{width:6px;height:6px}.carousel-indicator.is-active[_ngcontent-ng-c2540602908]{width:20px}}.play-pause-btn[_ngcontent-ng-c2540602908]{display:flex;align-items:center;justify-content:center;width:56px;height:56px;border:1px solid rgba(0,0,0,.1);border-radius:50%;background:#fff;color:#000;cursor:pointer;transition:background-color .3s cubic-bezier(.4,0,.2,1),transform .3s cubic-bezier(.4,0,.2,1),box-shadow .3s cubic-bezier(.4,0,.2,1);padding:0}.play-pause-btn[_ngcontent-ng-c2540602908]:hover{background:#f0f0f0;transform:scale(1.05);box-shadow:0 4px 12px #0003}.play-pause-btn[_ngcontent-ng-c2540602908]:active{transform:scale(.95)}.play-pause-btn[_ngcontent-ng-c2540602908]   svg[_ngcontent-ng-c2540602908]{width:20px;height:20px}@media (max-width: 567px){.play-pause-btn[_ngcontent-ng-c2540602908]{width:42px;height:42px}.play-pause-btn[_ngcontent-ng-c2540602908]   svg[_ngcontent-ng-c2540602908]{width:16px;height:16px}}@keyframes _ngcontent-ng-c2540602908_progressBar{0%{transform:scaleX(0)}to{transform:scaleX(1)}}</style><style ng-app-id="ng">.animated-columns-wrapper[_ngcontent-ng-c1121997457]{width:100%;overflow:hidden;padding:4rem 0}@media (max-width: 767px){.animated-columns-wrapper[_ngcontent-ng-c1121997457]{padding:2rem 0}}.columns-container[_ngcontent-ng-c1121997457]{display:flex;justify-content:center;align-items:flex-start;gap:1.5rem;max-width:1260px;height:720px;margin:0 auto;padding:0 2rem}@media (max-width: 1023px){.columns-container[_ngcontent-ng-c1121997457]{max-width:680px;height:526px;gap:1rem;padding:0 1rem}}@media (max-width: 767px){.columns-container[_ngcontent-ng-c1121997457]{max-width:500px;height:450px;gap:.75rem;padding:0 1rem}}@media (max-width: 576px){.columns-container[_ngcontent-ng-c1121997457]{max-width:333px;height:343px;gap:.5rem;padding:0 .5rem}}.column[_ngcontent-ng-c1121997457]{flex:1;height:100%;overflow:hidden;position:relative;mask-image:linear-gradient(to bottom,transparent 0%,black 10%,black 90%,transparent 100%);-webkit-mask-image:linear-gradient(to bottom,transparent 0%,black 10%,black 90%,transparent 100%)}.column-track[_ngcontent-ng-c1121997457]{display:flex;flex-direction:column;gap:1.5rem;animation-duration:30s;animation-timing-function:linear;animation-iteration-count:infinite}@media (max-width: 1023px){.column-track[_ngcontent-ng-c1121997457]{gap:1rem;animation-duration:25s}}@media (max-width: 576px){.column-track[_ngcontent-ng-c1121997457]{gap:.5rem;animation-duration:20s}}.column[data-direction=up][_ngcontent-ng-c1121997457]   .column-track[_ngcontent-ng-c1121997457]{animation-name:_ngcontent-ng-c1121997457_scrollUp}.column[data-direction=down][_ngcontent-ng-c1121997457]   .column-track[_ngcontent-ng-c1121997457]{animation-name:_ngcontent-ng-c1121997457_scrollDown}.card-item[_ngcontent-ng-c1121997457]{display:flex;padding:2.5rem 0;flex-direction:column;justify-content:center;align-items:center;gap:2.5rem;flex-shrink:0;border-radius:2.5rem;backdrop-filter:blur(8.333px);transition:transform .3s ease}@media (max-width: 1023px){.card-item[_ngcontent-ng-c1121997457]{padding:1.5rem 0;gap:1.5rem;border-radius:1.5rem}}@media (max-width: 576px){.card-item[_ngcontent-ng-c1121997457]{padding:1rem 0;gap:1rem;border-radius:1rem}}.card-item[data-bg=gray][_ngcontent-ng-c1121997457]{background:var(--Surface-surface-secondary, #202020)}.card-item[data-bg=transparent][_ngcontent-ng-c1121997457]{background:transparent;border:1px solid rgba(255,255,255,.1)}.card-title[_ngcontent-ng-c1121997457]{color:#fff;text-align:center;font-family:Nunito,sans-serif;font-size:24px;font-style:normal;font-weight:700;line-height:normal}@media (max-width: 1023px){.card-title[_ngcontent-ng-c1121997457]{font-size:12px}}@media (max-width: 576px){.card-title[_ngcontent-ng-c1121997457]{font-size:6.343px}}.icon-wrapper[_ngcontent-ng-c1121997457]{display:flex;align-items:center;justify-content:center;width:26px;height:26px;border-radius:50%;transition:background-color .3s ease,opacity .3s ease;

23backdrop-filter:blur(8.3333339691px);position:relative}.icon-wrapper[_ngcontent-ng-c1121997457]   img[_ngcontent-ng-c1121997457]{height:10.5px;width:10.5px;aspect-ratio:1/1;object-fit:contain}.icon-wrapper[_ngcontent-ng-c1121997457]   svg[_ngcontent-ng-c1121997457]{height:10.5px;width:10.5px;aspect-ratio:1/1}@media (min-width: 744px){.icon-wrapper[_ngcontent-ng-c1121997457]{width:53px;height:53px}.icon-wrapper[_ngcontent-ng-c1121997457]   img[_ngcontent-ng-c1121997457]{height:24px;width:24px}.icon-wrapper[_ngcontent-ng-c1121997457]   svg[_ngcontent-ng-c1121997457]{height:24px;width:24px}}@media (min-width: 1023px){.icon-wrapper[_ngcontent-ng-c1121997457]{width:100px;height:100px}.icon-wrapper[_ngcontent-ng-c1121997457]   img[_ngcontent-ng-c1121997457]{height:40px;width:40px}.icon-wrapper[_ngcontent-ng-c1121997457]   svg[_ngcontent-ng-c1121997457]{height:40px;width:40px;aspect-ratio:1/1}}.card-item[data-icon-color=white][_ngcontent-ng-c1121997457]   img[_ngcontent-ng-c1121997457]{filter:brightness(0) invert(1)}.card-item[data-icon-color=gray][_ngcontent-ng-c1121997457]   img[_ngcontent-ng-c1121997457]{filter:brightness(0) invert(.5);opacity:.5}.card-item[data-icon-color=dark][_ngcontent-ng-c1121997457]   img[_ngcontent-ng-c1121997457], .card-item[data-icon-bg=white][_ngcontent-ng-c1121997457]   img[_ngcontent-ng-c1121997457]{filter:brightness(0)}.card-item[data-icon-bg=white][_ngcontent-ng-c1121997457]   .icon-wrapper[_ngcontent-ng-c1121997457]{background:#fff;backdrop-filter:blur(8.333px)}.card-item[data-icon-bg=gray][_ngcontent-ng-c1121997457]   .icon-wrapper[_ngcontent-ng-c1121997457]{background:#ffffff0d;backdrop-filter:blur(8.333px)}.card-item[data-icon-bg=transparent][_ngcontent-ng-c1121997457]   .icon-wrapper[_ngcontent-ng-c1121997457]{background:transparent;border:1px solid rgba(255,255,255,.1)}.app-banner-buttons[_ngcontent-ng-c1121997457]{flex-direction:row;border-radius:100px;border:1px solid var(--Surface-surface-button-primery, rgba(255, 255, 255, .08));padding:16px;width:max-content}.app-banner-buttons[_ngcontent-ng-c1121997457]   .btn[_ngcontent-ng-c1121997457]{border-radius:50px;background-color:#fff0;font-size:16px;padding:20px 24px;backdrop-filter:none!important;border-color:#e7e8eb!important}.app-banner-buttons[_ngcontent-ng-c1121997457]   .btn.btn-secondary[_ngcontent-ng-c1121997457]{background-color:#fff0}.app-banner-buttons[_ngcontent-ng-c1121997457]   .btn.btn-primary[_ngcontent-ng-c1121997457]{background-color:#000;color:#fff;text-wrap:nowrap}.app-banner-buttons[_ngcontent-ng-c1121997457]   .btn[_ngcontent-ng-c1121997457]   img[_ngcontent-ng-c1121997457]{width:90px}@media (max-width: 767px){.app-banner-buttons[_ngcontent-ng-c1121997457]{align-self:center;border-radius:40px}}.title[_ngcontent-ng-c1121997457]{font-size:48px;text-align:center;font-style:normal;font-weight:700;line-height:28px}@media (max-width: 767px){.title[_ngcontent-ng-c1121997457]{font-size:36px}}@media (max-width: 479px){.title[_ngcontent-ng-c1121997457]{font-size:24px}}@keyframes _ngcontent-ng-c1121997457_scrollUp{0%{transform:translateY(0)}to{transform:translateY(-50%)}}@keyframes _ngcontent-ng-c1121997457_scrollDown{0%{transform:translateY(-50%)}to{transform:translateY(0)}}</style><style ng-app-id="ng">.faq-answer-list[_ngcontent-ng-c2710013561]:not(.list-unstyled){margin:0 0 1rem;padding-left:1.25rem;list-style:disc outside}.faq-answer-list[_ngcontent-ng-c2710013561]:not(.list-unstyled)   li[_ngcontent-ng-c2710013561]{line-height:normal}.faq-answer-list[_ngcontent-ng-c2710013561]:not(.list-unstyled)   li[_ngcontent-ng-c2710013561] + li[_ngcontent-ng-c2710013561]{margin-top:.375rem}[_nghost-ng-c2710013561]{--bs-accordion-border-radius: 0;--bs-accordion-inner-border-radius: 0;display:block}[_nghost-ng-c2710013561]     .accordion, [_nghost-ng-c2710013561]     .accordion-item, [_nghost-ng-c2710013561]     .accordion-header, [_nghost-ng-c2710013561]     .accordion-button, [_nghost-ng-c2710013561]     .accordion-item:first-of-type, [_nghost-ng-c2710013561]     .accordion-item:first-of-type>.accordion-header .accordion-button, [_nghost-ng-c2710013561]     .accordion-item:last-of-type, [_nghost-ng-c2710013561]     .accordion-item:last-of-type>.accordion-header .accordion-button, [_nghost-ng-c2710013561]     .accordion-item:last-of-type>.accordion-header .accordion-button.collapsed{border-radius:0!important}.faq-accordion-btn.accordion-button[_ngcontent-ng-c2710013561]{border-radius:0!important;border-bottom:1px solid transparent}.faq-accordion-btn.accordion-button.collapsed[_ngcontent-ng-c2710013561]{border-bottom-color:var(--faq-divider)}.faq-accordion-btn.accordion-button[_ngcontent-ng-c2710013561]:not(.collapsed){border-radius:0!important}.faq-column__item--hidden[_ngcontent-ng-c2710013561]{display:none}</style><style ng-app-id="ng">.application-banner[_ngcontent-ng-c2387824136]   .card[_ngcontent-ng-c2387824136]{position:relative;overflow:hidden;min-height:400px;padding-bottom:250px;margin:0 auto;max-width:1600px}.application-banner[_ngcontent-ng-c2387824136]   .card.bg-white[_ngcontent-ng-c2387824136]{background-color:#f9fafb!important}.application-banner[_ngcontent-ng-c2387824136]   .card.bg-gray[_ngcontent-ng-c2387824136]{background-color:#eff1f4!important}@media (min-width: 1440px){.application-banner[_ngcontent-ng-c2387824136]   .card[_ngcontent-ng-c2387824136]{height:960px}}@media (max-width: 1440px){.application-banner[_ngcontent-ng-c2387824136]   .card[_ngcontent-ng-c2387824136]{height:800px}}@media (max-width: 575px){.application-banner[_ngcontent-ng-c2387824136]   .card[_ngcontent-ng-c2387824136]{border-radius:40px;height:650px}}.application-banner[_ngcontent-ng-c2387824136]   .content[_ngcontent-ng-c2387824136]{position:relative;z-index:3;padding-bottom:2rem;max-width:600px}.application-banner[_ngcontent-ng-c2387824136]   .content[_ngcontent-ng-c2387824136]   h2[_ngcontent-ng-c2387824136]{font-size:60px;font-weight:700;line-height:1.2}@media (max-width: 767px){.application-banner[_ngcontent-ng-c2387824136]   .content[_ngcontent-ng-c2387824136]   h2[_ngcontent-ng-c2387824136]{font-size:36px}}@media (max-width: 575px){.application-banner[_ngcontent-ng-c2387824136]   .content[_ngcontent-ng-c2387824136]   h2[_ngcontent-ng-c2387824136]{font-size:24px}}.application-banner[_ngcontent-ng-c2387824136]   .content[_ngcontent-ng-c2387824136]   h2[_ngcontent-ng-c2387824136], .application-banner[_ngcontent-ng-c2387824136]   .content[_ngcontent-ng-c2387824136]   p[_ngcontent-ng-c2387824136], .application-banner[_ngcontent-ng-c2387824136]   .content[_ngcontent-ng-c2387824136]   .app-banner-buttons[_ngcontent-ng-c2387824136]{opacity:0;transform:translateY(20px);transition:opacity .8s cubic-bezier(.4,0,.2,1),transform .8s cubic-bezier(.4,0,.2,1)}.application-banner[_ngcontent-ng-c2387824136]   .content[_ngcontent-ng-c2387824136]   .app-banner-buttons[_ngcontent-ng-c2387824136]   a[_ngcontent-ng-c2387824136]{padding:26px 38px;border-radius:32px}.application-banner[_ngcontent-ng-c2387824136]   .content[_ngcontent-ng-c2387824136]   .app-banner-buttons[_ngcontent-ng-c2387824136]   a[_ngcontent-ng-c2387824136]   img[_ngcontent-ng-c2387824136]{width:115px;height:auto}@media (max-width: 375px){.application-banner[_ngcontent-ng-c2387824136]   .content[_ngcontent-ng-c2387824136]   h2[_ngcontent-ng-c2387824136]{text-align:center!important;font-style:normal!important;line-height:28px!important}.application-banner[_ngcontent-ng-c2387824136]   .content[_ngcontent-ng-c2387824136]   p[_ngcontent-ng-c2387824136]{font-size:14px!important;font-style:normal!important;font-weight:400!important;line-height:20px!important}.application-banner[_ngcontent-ng-c2387824136]   .content[_ngcontent-ng-c2387824136]   .app-banner-buttons[_ngcontent-ng-c2387824136]   img[_ngcontent-ng-c2387824136]{width:100px!important}}.application-banner[_ngcontent-ng-c2387824136]   .app-banner-image-l[_ngcontent-ng-c2387824136], .application-banner[_ngcontent-ng-c2387824136]   .app-banner-image[_ngcontent-ng-c2387824136], .application-banner[_ngcontent-ng-c2387824136]   .app-banner-image-r[_ngcontent-ng-c2387824136]{position:absolute;bottom:0;opacity:0;height:500px;object-fit:contain;transition:opacity 1s cubic-bezier(.4,0,.2,1),transform 1s cubic-bezier(.4,0,.2,1)}.application-banner[_ngcontent-ng-c2387824136]   .app-banner-image-l[_ngcontent-ng-c2387824136]{left:50%;height:900px;transform:translate(calc(-100% - 240px)) translateY(35rem)}@media (max-width: 1440px){.application-banner[_ngcontent-ng-c2387824136]   .app-banner-image-l[_ngcontent-ng-c2387824136]{height:760px;transform:translate(calc(-100% - 200px)) translateY(35rem)}}@media (max-width: 575px){.application-banner[_ngcontent-ng-c2387824136]   .app-banner-image-l[_ngcontent-ng-c2387824136]{height:350px}}.application-banner[_ngcontent-ng-c2387824136]   .app-banner-image[_ngcontent-ng-c2387824136]{left:50%;transform:translate(-50%) translateY(30rem);height:900px;z-index:2}@media (max-width: 1440px){.application-banner[_ngcontent-ng-c2387824136]   .app-banner-image[_ngcontent-ng-c2387824136]{height:760px;transform:translate(-50%) translateY(30rem)}}@media (max-width: 575px){.application-banner[_ngcontent-ng-c2387824136]   .app-banner-image[_ngcontent-ng-c2387824136]{height:350px}}.application-banner[_ngcontent-ng-c2387824136]   .app-banner-image-r[_ngcontent-ng-c2387824136]{left:50%;height:900px;transform:translate(240px) translateY(35rem)}@media (max-width: 1440px){.application-banner[_ngcontent-ng-c2387824136]   .app-banner-image-r[_ngcontent-ng-c2387824136]{height:760px;transform:translate(200px) translateY(35rem)}}@media (max-width: 575px){.application-banner[_ngcontent-ng-c2387824136]   .app-banner-image-r[_ngcontent-ng-c2387824136]{height:350px}}.application-banner[_ngcontent-ng-c2387824136]   .card.is-visible[_ngcontent-ng-c2387824136]   .content[_ngcontent-ng-c2387824136]   h2[_ngcontent-ng-c2387824136], .application-banner[_ngcontent-ng-c2387824136]   .card.is-visible[_ngcontent-ng-c2387824136]   .content[_ngcontent-ng-c2387824136]   p[_ngcontent-ng-c2387824136], .application-banner[_ngcontent-ng-c2387824136]   .card.is-visible[_ngcontent-ng-c2387824136]   .content[_ngcontent-ng-c2387824136]   .app-banner-buttons[_ngcontent-ng-c2387824136]{opacity:1;transform:translateY(0)}.application-banner[_ngcontent-ng-c2387824136]   .card.is-visible[_ngcontent-ng-c2387824136]   .app-banner-image-l[_ngcontent-ng-c2387824136]{opacity:1;transform:translate(calc(-100% - 240px)) translateY(32rem);transition-delay:.6s;left:50%}@media (max-width: 1440px){.application-banner[_ngcontent-ng-c2387824136]   .card.is-visible[_ngcontent-ng-c2387824136]   .app-banner-image-l[_ngcontent-ng-c2387824136]{height:760px;transform:translate(calc(-100% - 200px)) translateY(32rem)}}@media (max-width: 768px){.application-banner[_ngcontent-ng-c2387824136]   .card.is-visible[_ngcontent-ng-c2387824136]   .app-banner-image-l[_ngcontent-ng-c2387824136]{transform:translate(calc(-100% - 200px)) translateY(26rem)}}@media (max-width: 575px){.application-banner[_ngcontent-ng-c2387824136]   .card.is-visible[_ngcontent-ng-c2387824136]   .app-banner-image-l[_ngcontent-ng-c2387824136]{height:350px;transform:translate(calc(-100% - 85px)) translateY(11rem)}}.application-banner[_ngcontent-ng-c2387824136]   .card.is-visible[_ngcontent-ng-c2387824136]   .app-banner-image[_ngcontent-ng-c2387824136]{opacity:1;transform:translate(-50%) translateY(25rem);transition-delay:.2s;left:50%}@media (max-width: 1440px){.application-banner[_ngcontent-ng-c2387824136]   .card.is-visible[_ngcontent-ng-c2387824136]   .app-banner-image[_ngcontent-ng-c2387824136]{height:760px;transform:translate(-50%) translateY(25rem)}}@media (max-width: 768px){.application-banner[_ngcontent-ng-c2387824136]   .card.is-visible[_ngcontent-ng-c2387824136]   .app-banner-image[_ngcontent-ng-c2387824136]{transform:translate(-50%) translateY(19rem)}}@media (max-width: 575px){.application-banner[_ngcontent-ng-c2387824136]   .card.is-visible[_ngcontent-ng-c2387824136]   .app-banner-image[_ngcontent-ng-c2387824136]{transform:translate(-50%) translateY(8rem);height:350px}}.application-banner[_ngcontent-ng-c2387824136]   .card.is-visible[_ngcontent-ng-c2387824136]   .app-banner-image-r[_ngcontent-ng-c2387824136]{opacity:1;transform:translate(240px) translateY(32rem);transition-delay:1s;left:50%}@media (max-width: 1440px){.application-banner[_ngcontent-ng-c2387824136]   .card.is-visible[_ngcontent-ng-c2387824136]   .app-banner-image-r[_ngcontent-ng-c2387824136]{height:760px;transform:translate(200px) translateY(32rem)}}@media (max-width: 768px){.application-banner[_ngcontent-ng-c2387824136]   .card.is-visible[_ngcontent-ng-c2387824136]   .app-banner-image-r[_ngcontent-ng-c2387824136]{transform:translate(200px) translateY(26rem)}}@media (max-width: 575px){.application-banner[_ngcontent-ng-c2387824136]   .card.is-visible[_ngcontent-ng-c2387824136]   .app-banner-image-r[_ngcontent-ng-c2387824136]{height:350px;transform:translate(85px) translateY(11rem)}}</style><style ng-app-id="ng">.new-big-container[_ngcontent-ng-c1709088665]{text-decoration:none;color:inherit;-webkit-user-drag:none}@media (min-width: 768px){.read-more-btn[_ngcontent-ng-c1709088665]{font-style:normal;font-weight:600;line-height:normal}.new-big-container[_ngcontent-ng-c1709088665]{border-radius:40px!important}.new-big-container[_ngcontent-ng-c1709088665] > .big-news-img[_ngcontent-ng-c1709088665]{display:flex;flex-direction:column;justify-content:flex-end;position:relative;margin:4px;width:calc(100% - 8px);flex:0 0 auto;align-self:center;aspect-ratio:800/390;background-color:#141414;border-radius:36px;overflow:hidden;box-shadow:0 2px 8px #14141402,0 8px 24px #14141403,0 16px 48px #14141403}.new-big-container[_ngcontent-ng-c1709088665] > .big-news-img[_ngcontent-ng-c1709088665]:has(.overlay-content--light){background-color:#fff}.new-big-container[_ngcontent-ng-c1709088665] > .big-news-img[_ngcontent-ng-c1709088665]   .big-news-media[_ngcontent-ng-c1709088665]{position:absolute;inset:0;z-index:0;overflow:hidden;border-radius:inherit}.new-big-container[_ngcontent-ng-c1709088665] > .big-news-img[_ngcontent-ng-c1709088665]   .big-news-photo[_ngcontent-ng-c1709088665]{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:0;transform:scale(1) translateZ(0);transform-origin:50% 46%;transition:opacity .45s ease,transform 1.35s cubic-bezier(.65,0,.35,1)}.new-big-container[_ngcontent-ng-c1709088665] > .big-news-img[_ngcontent-ng-c1709088665]   .big-news-photo.is-loaded[_ngcontent-ng-c1709088665]{opacity:1}.new-big-container[_ngcontent-ng-c1709088665] > .big-news-img[_ngcontent-ng-c1709088665]   .big-news-placeholder[_ngcontent-ng-c1709088665]{position:absolute;inset:0;width:100%;height:100%;transform:scale(1) translateZ(0);transform-origin:50% 46%;transition:transform 1.35s cubic-bezier(.65,0,.35,1)}.new-big-container[_ngcontent-ng-c1709088665] > .big-news-img[_ngcontent-ng-c1709088665]   .big-news-placeholder[_ngcontent-ng-c1709088665]     .news-image-placeholder{margin:0;width:100%;height:100%;aspect-ratio:auto;border-radius:0;box-shadow:none}.new-big-container[_ngcontent-ng-c1709088665]   .news-arrow-btn[_ngcontent-ng-c1709088665]{width:48px;height:48px;display:flex;padding:10.5px;align-items:center;gap:10.5px}.new-big-container[_ngcontent-ng-c1709088665]   .news-arrow-btn[_ngcontent-ng-c1709088665]   svg[_ngcontent-ng-c1709088665]{width:27px;height:27px}.overlay-panel__body[_ngcontent-ng-c1709088665]{gap:clamp(1rem,2vw,2.5rem)!important}.overlay-title[_ngcontent-ng-c1709088665]{font-size:clamp(1.25rem,1.05rem + .7vw,1.8rem)!important}}@media (min-width: 768px) and (max-width: 991.98px){.new-big-container[_ngcontent-ng-c1709088665] > .big-news-img[_ngcontent-ng-c1709088665]{aspect-ratio:800/460}.overlay-top[_ngcontent-ng-c1709088665]{padding:1rem!important}.overlay-panel__body[_ngcontent-ng-c1709088665]{padding:1rem!important;align-items:flex-end}.overlay-panel__copy[_ngcontent-ng-c1709088665], .overlay-panel__aside[_ngcontent-ng-c1709088665]{gap:.75rem!important}}.overlay-panel[_ngcontent-ng-c1709088665]{position:relative;overflow:visible;border-radius:0 0 36px 36px}.overlay-content--dark[_ngcontent-ng-c1709088665]   .overlay-panel[_ngcontent-ng-c1709088665]{background:linear-gradient(to top,#141414 0 8px,transparent 28px)}.overlay-content--light[_ngcontent-ng-c1709088665]   .overlay-panel

23[_ngcontent-ng-c1709088665]{background:linear-gradient(to top,#fff 0 8px,transparent 28px)}.overlay-content[_ngcontent-ng-c1709088665]{position:absolute;inset:0}.bg-blur[_ngcontent-ng-c1709088665]{-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);pointer-events:none;position:absolute;z-index:0;inset:-72px 0 0;border-radius:0 0 36px 36px;-webkit-mask:linear-gradient(to top,#000 0%,#000 78%,rgba(0,0,0,0) 100%);mask:linear-gradient(to top,#000 0%,#000 78%,rgba(0,0,0,0) 100%)}.bg-blur--dark[_ngcontent-ng-c1709088665]{background:linear-gradient(to top,#141414 0%,rgba(20,20,20,.78) 18%,rgba(20,20,20,.22) 70%,transparent 100%)}.bg-blur--light[_ngcontent-ng-c1709088665]{background:linear-gradient(to top,#fff 0%,rgba(255,255,255,.82) 18%,rgba(255,255,255,.28) 70%,transparent 100%)}.overlay-panel__body[_ngcontent-ng-c1709088665]{position:relative;z-index:1}.overlay-panel__copy[_ngcontent-ng-c1709088665]{min-width:0;flex:1 1 auto}.overlay-title[_ngcontent-ng-c1709088665]{position:relative;display:grid;font-size:clamp(1.4rem,1.15rem + .85vw,1.8rem)!important;line-height:1.28!important;font-weight:700;overflow-wrap:break-word;word-break:break-word;max-width:100%}.overlay-title__sizer[_ngcontent-ng-c1709088665], .overlay-title__live[_ngcontent-ng-c1709088665]{grid-area:1/1;min-width:0}.overlay-title__sizer[_ngcontent-ng-c1709088665]{visibility:hidden;pointer-events:none}.overlay-title__live[_ngcontent-ng-c1709088665]{min-width:0}.overlay-title__char[_ngcontent-ng-c1709088665]{display:inline;opacity:0}.overlay-fade[_ngcontent-ng-c1709088665]{opacity:0;transform:translateY(18px)}.publish-date[_ngcontent-ng-c1709088665]{color:var(--bs-secondary-color)}.is-playing[_nghost-ng-c1709088665]   .new-big-container[_ngcontent-ng-c1709088665] > .big-news-img[_ngcontent-ng-c1709088665]   .big-news-photo.is-loaded[_ngcontent-ng-c1709088665], .is-playing[_nghost-ng-c1709088665]   .new-big-container[_ngcontent-ng-c1709088665] > .big-news-img[_ngcontent-ng-c1709088665]   .big-news-placeholder[_ngcontent-ng-c1709088665], .is-current[_nghost-ng-c1709088665]   .new-big-container[_ngcontent-ng-c1709088665] > .big-news-img[_ngcontent-ng-c1709088665]   .big-news-photo.is-loaded[_ngcontent-ng-c1709088665], .is-current   [_nghost-ng-c1709088665]   .new-big-container[_ngcontent-ng-c1709088665] > .big-news-img[_ngcontent-ng-c1709088665]   .big-news-photo.is-loaded[_ngcontent-ng-c1709088665], .is-current[_nghost-ng-c1709088665]   .new-big-container[_ngcontent-ng-c1709088665] > .big-news-img[_ngcontent-ng-c1709088665]   .big-news-placeholder[_ngcontent-ng-c1709088665], .is-current   [_nghost-ng-c1709088665]   .new-big-container[_ngcontent-ng-c1709088665] > .big-news-img[_ngcontent-ng-c1709088665]   .big-news-placeholder[_ngcontent-ng-c1709088665]{transform:scale(1.1) translate3d(0,-1.6%,0);transition-duration:9s;transition-timing-function:linear}.is-playing[_nghost-ng-c1709088665]   .overlay-title__char[_ngcontent-ng-c1709088665], .is-current[_nghost-ng-c1709088665]   .overlay-title__char[_ngcontent-ng-c1709088665], .is-current   [_nghost-ng-c1709088665]   .overlay-title__char[_ngcontent-ng-c1709088665]{animation:_ngcontent-ng-c1709088665_title-reveal .55s cubic-bezier(.22,1,.36,1) calc(var(--i) * 18ms) both}.is-playing[_nghost-ng-c1709088665]   .overlay-fade--excerpt[_ngcontent-ng-c1709088665], .is-current[_nghost-ng-c1709088665]   .overlay-fade--excerpt[_ngcontent-ng-c1709088665], .is-current   [_nghost-ng-c1709088665]   .overlay-fade--excerpt[_ngcontent-ng-c1709088665]{animation:_ngcontent-ng-c1709088665_fade-up .75s cubic-bezier(.22,1,.36,1) .18s both}.is-playing[_nghost-ng-c1709088665]   .overlay-fade--date[_ngcontent-ng-c1709088665], .is-current[_nghost-ng-c1709088665]   .overlay-fade--date[_ngcontent-ng-c1709088665], .is-current   [_nghost-ng-c1709088665]   .overlay-fade--date[_ngcontent-ng-c1709088665]{animation:_ngcontent-ng-c1709088665_fade-up .75s cubic-bezier(.22,1,.36,1) .32s both}@keyframes _ngcontent-ng-c1709088665_title-reveal{0%{opacity:0;filter:blur(10px)}to{opacity:1;filter:blur(0)}}@keyframes _ngcontent-ng-c1709088665_fade-up{0%{opacity:0;transform:translateY(18px)}to{opacity:1;transform:translateY(0)}}@media (prefers-reduced-motion: reduce){.is-playing[_nghost-ng-c1709088665]   .big-news-photo.is-loaded[_ngcontent-ng-c1709088665], .is-playing[_nghost-ng-c1709088665]   .big-news-placeholder[_ngcontent-ng-c1709088665], .is-playing[_nghost-ng-c1709088665]   .overlay-title__char[_ngcontent-ng-c1709088665], .is-playing[_nghost-ng-c1709088665]   .overlay-fade--excerpt[_ngcontent-ng-c1709088665], .is-playing[_nghost-ng-c1709088665]   .overlay-fade--date[_ngcontent-ng-c1709088665], .is-current[_nghost-ng-c1709088665]   .big-news-photo.is-loaded[_ngcontent-ng-c1709088665], .is-current   [_nghost-ng-c1709088665]   .big-news-photo.is-loaded[_ngcontent-ng-c1709088665], .is-current[_nghost-ng-c1709088665]   .big-news-placeholder[_ngcontent-ng-c1709088665], .is-current   [_nghost-ng-c1709088665]   .big-news-placeholder[_ngcontent-ng-c1709088665], .is-current[_nghost-ng-c1709088665]   .overlay-title__char[_ngcontent-ng-c1709088665], .is-current   [_nghost-ng-c1709088665]   .overlay-title__char[_ngcontent-ng-c1709088665], .is-current[_nghost-ng-c1709088665]   .overlay-fade--excerpt[_ngcontent-ng-c1709088665], .is-current   [_nghost-ng-c1709088665]   .overlay-fade--excerpt[_ngcontent-ng-c1709088665], .is-current[_nghost-ng-c1709088665]   .overlay-fade--date[_ngcontent-ng-c1709088665], .is-current   [_nghost-ng-c1709088665]   .overlay-fade--date[_ngcontent-ng-c1709088665]{animation:none!important;opacity:1!important;filter:none!important;transform:none!important}}.overlay-panel[_ngcontent-ng-c1709088665]   .publish-date[_ngcontent-ng-c1709088665]{flex:0 0 auto;white-space:nowrap;color:var(--bs-secondary-color)}.overlay-panel__aside[_ngcontent-ng-c1709088665]{flex:0 0 auto}.overlay-panel__aside[_ngcontent-ng-c1709088665]   .read-more-btn[_ngcontent-ng-c1709088665]{white-space:nowrap}.overlay-top[_ngcontent-ng-c1709088665]{position:relative;z-index:7;pointer-events:none}.overlay-top[_ngcontent-ng-c1709088665]   .news-arrow-btn[_ngcontent-ng-c1709088665]{pointer-events:auto;border:none;transition:transform .3s cubic-bezier(.4,0,.2,1)}.overlay-top[_ngcontent-ng-c1709088665]   .news-arrow-btn[_ngcontent-ng-c1709088665]   svg[_ngcontent-ng-c1709088665]{transition:transform .3s cubic-bezier(.4,0,.2,1)}.overlay-top[_ngcontent-ng-c1709088665]   .news-arrow-btn--on-dark[_ngcontent-ng-c1709088665]{background-color:#fff!important}.overlay-top[_ngcontent-ng-c1709088665]   .news-arrow-btn--on-light[_ngcontent-ng-c1709088665]{background-color:#141414!important}.new-big-container[_ngcontent-ng-c1709088665]:hover   .overlay-top[_ngcontent-ng-c1709088665]   .news-arrow-btn[_ngcontent-ng-c1709088665]   svg[_ngcontent-ng-c1709088665]{transform:rotate(-45deg)}.theme-light[_ngcontent-ng-c1709088665]:hover   .overlay-top[_ngcontent-ng-c1709088665]   .news-arrow-btn--on-dark[_ngcontent-ng-c1709088665], .theme-dark[_ngcontent-ng-c1709088665]:hover   .overlay-top[_ngcontent-ng-c1709088665]   .news-arrow-btn--on-dark[_ngcontent-ng-c1709088665], .theme-light[_ngcontent-ng-c1709088665]   .overlay-top[_ngcontent-ng-c1709088665]   .news-arrow-btn--on-dark[_ngcontent-ng-c1709088665]:hover, .theme-dark[_ngcontent-ng-c1709088665]   .overlay-top[_ngcontent-ng-c1709088665]   .news-arrow-btn--on-dark[_ngcontent-ng-c1709088665]:hover{background-color:#fff!important;transform:scale(1.05)!important}.theme-light[_ngcontent-ng-c1709088665]:hover   .overlay-top[_ngcontent-ng-c1709088665]   .news-arrow-btn--on-light[_ngcontent-ng-c1709088665], .theme-dark[_ngcontent-ng-c1709088665]:hover   .overlay-top[_ngcontent-ng-c1709088665]   .news-arrow-btn--on-light[_ngcontent-ng-c1709088665], .theme-light[_ngcontent-ng-c1709088665]   .overlay-top[_ngcontent-ng-c1709088665]   .news-arrow-btn--on-light[_ngcontent-ng-c1709088665]:hover, .theme-dark[_ngcontent-ng-c1709088665]   .overlay-top[_ngcontent-ng-c1709088665]   .news-arrow-btn--on-light[_ngcontent-ng-c1709088665]:hover{background-color:#141414!important;transform:scale(1.05)!important}.overlay-content[_ngcontent-ng-c1709088665]{z-index:6}.overlay-content--dark[_ngcontent-ng-c1709088665]   h3[_ngcontent-ng-c1709088665], .overlay-content--dark[_ngcontent-ng-c1709088665]   p[_ngcontent-ng-c1709088665]:not(.publish-date){color:#fff}.overlay-content--light[_ngcontent-ng-c1709088665]   h3[_ngcontent-ng-c1709088665], .overlay-content--light[_ngcontent-ng-c1709088665]   p[_ngcontent-ng-c1709088665]:not(.publish-date){color:#141414}.theme-light[_ngcontent-ng-c1709088665]   .news-arrow-btn[_ngcontent-ng-c1709088665]{border-color:#00000014

23!important;transition:background-color .3s ease-in-out,transform .3s cubic-bezier(.4,0,.2,1)}.theme-light[_ngcontent-ng-c1709088665]   .news-arrow-btn[_ngcontent-ng-c1709088665]:hover{transform:none!important;background-color:#fff!important}.theme-light[_ngcontent-ng-c1709088665]:hover   .news-arrow-btn[_ngcontent-ng-c1709088665]:not(:hover){background-color:#00000008!important;transform:scale(1.05)}.theme-dark[_ngcontent-ng-c1709088665]   .news-arrow-btn[_ngcontent-ng-c1709088665]{transition:background-color .3s ease-in-out,transform .3s cubic-bezier(.4,0,.2,1)}.theme-dark[_ngcontent-ng-c1709088665]   .news-arrow-btn[_ngcontent-ng-c1709088665]:hover{transform:none!important;background-color:#141414!important}.theme-dark[_ngcontent-ng-c1709088665]:hover   .news-arrow-btn[_ngcontent-ng-c1709088665]:not(:hover){background-color:#ffffff1a!important;transform:scale(1.05)}img.big-news-img[_ngcontent-ng-c1709088665]{display:block;margin:4px;width:calc(100% - 8px);height:auto;object-fit:cover;aspect-ratio:800/390;border-radius:calc(var(--bs-border-radius-xl, 1rem) - 4px);background-color:#fff9;opacity:0;transition:opacity .45s ease;box-shadow:0 2px 8px #14141402,0 8px 24px #14141403,0 16px 48px #14141403}img.big-news-img.is-loaded[_ngcontent-ng-c1709088665]{opacity:1}@media (max-width: 767.98px){.new-big-container[_ngcontent-ng-c1709088665] > .big-news-img[_ngcontent-ng-c1709088665], .new-big-container[_ngcontent-ng-c1709088665] > img.big-news-img[_ngcontent-ng-c1709088665]{aspect-ratio:800/390}h3.overlay-title[_ngcontent-ng-c1709088665], h4[_ngcontent-ng-c1709088665]{font-size:var(--XL, 20px)!important;font-style:normal;font-weight:700;line-height:normal}p[_ngcontent-ng-c1709088665]{font-size:var(--SM, 14px)!important;font-style:normal;font-weight:400;line-height:normal}p.publish-date[_ngcontent-ng-c1709088665]{font-size:var(--XS, 12px)!important}a.btn[_ngcontent-ng-c1709088665], .read-more-btn[_ngcontent-ng-c1709088665]{font-size:var(--SM, 14px);font-style:normal;font-weight:700;line-height:normal}}</style><style ng-app-id="ng">[_nghost-ng-c1312131496]{display:block;height:100%}.small-card[_ngcontent-ng-c1312131496]{text-decoration:none;color:inherit;height:100%}.small-card.theme-light[_ngcontent-ng-c1312131496]   .news-arrow-btn[_ngcontent-ng-c1312131496]{border:1px solid rgba(0,0,0,.08)}.small-card.theme-light[_ngcontent-ng-c1312131496]   .news-arrow-btn[_ngcontent-ng-c1312131496]:hover{background-color:#fff!important}.small-card.theme-light[_ngcontent-ng-c1312131496]:hover   .news-arrow-btn[_ngcontent-ng-c1312131496]:not(:hover){background-color:#00000008!important}.small-card.theme-dark[_ngcontent-ng-c1312131496]   .news-arrow-btn[_ngcontent-ng-c1312131496]{border:1px solid rgba(255,255,255,.08)}.small-card.theme-dark[_ngcontent-ng-c1312131496]   .news-arrow-btn[_ngcontent-ng-c1312131496]:hover{background-color:#141414!important}.small-card.theme-dark[_ngcontent-ng-c1312131496]:hover   .news-arrow-btn[_ngcontent-ng-c1312131496]:not(:hover){background-color:#ffffff1a!important}.small-card[_ngcontent-ng-c1312131496]   .news-arrow-btn[_ngcontent-ng-c1312131496]{transition:background-color .3s ease-in-out,transform .3s cubic-bezier(.4,0,.2,1)}.small-card[_ngcontent-ng-c1312131496]   .news-arrow-btn[_ngcontent-ng-c1312131496]   svg[_ngcontent-ng-c1312131496]{transition:transform .3s cubic-bezier(.4,0,.2,1)}.small-card[_ngcontent-ng-c1312131496]   .news-arrow-btn[_ngcontent-ng-c1312131496]:hover{transform:none!important}.small-card[_ngcontent-ng-c1312131496]:hover   .news-arrow-btn[_ngcontent-ng-c1312131496]   svg[_ngcontent-ng-c1312131496]{transform:rotate(-45deg)}.small-card[_ngcontent-ng-c1312131496]:hover   .news-arrow-btn[_ngcontent-ng-c1312131496]:not(:hover){transform:scale(1.05)}.small-news-img[_ngcontent-ng-c1312131496]{display:block;margin:4px;width:calc(100% - 8px);border-radius:calc(var(--bs-border-radius-xl, 1rem) - 4px);object-fit:cover;aspect-ratio:800/390;background-color:#fff9;opacity:0;transition:opacity .45s ease;box-shadow:0 2px 8px #14141402,0 8px 24px #14141403,0 16px 48px #14141403}.small-news-img.is-loaded[_ngcontent-ng-c1312131496]{opacity:1}.small-card__body[_ngcontent-ng-c1312131496]{flex:1 1 auto;min-height:0}.publish-date[_ngcontent-ng-c1312131496]{font-size:.75rem;line-height:1.3;

23color:#777c80}</style></head>
24  <body><!--nghm-->

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fill="white"/><path d="M55.7494 11.0532V25.1179H60.4792C61.7039 25.1179 62.9919 24.9071 64.0477 23.9793C65.019 23.1147 65.2512 21.955 65.2512 21.1326C65.2512 20.3946 65.0823 19.2981 64.2377 18.4968C63.8788 18.1594 63.3298 17.7588 62.4007 17.6111C62.7808 17.4003 63.9843 16.6623 63.9843 14.8488C63.9843 13.668 63.4987 12.5715 62.6752 11.9389C61.535 11.0532 60.0147 11.0532 59.2334 11.0532H55.7494ZM58.4944 13.2884H59.2967C60.4158 13.2884 61.4083 13.7734 61.4083 15.0597C61.4083 16.852 59.6979 16.8942 59.2756 16.8942H58.4944V13.2884ZM58.4944 19.0029H59.5079C60.0991 19.0029 60.7959 19.0029 61.3871 19.277C62.274 19.6776 62.4218 20.4367 62.4218 20.8796C62.4218 21.4278 62.2318 22.1026 61.5561 22.5032C60.9437 22.8617 60.1836 22.8828 59.6768 22.8828H58.4944V19.0029Z" fill="white"/><path d="M75.2665 11.0532H67.7917V25.1179H70.5367V18.9185H74.9709V16.5568H70.5367V13.4149H75.2665V11.0532Z" fill="white"/><path d="M81.2666 11.0532V25.1179H84.0116V19.9096H85.7853C87.4112 19.9096 88.5725 19.4457 89.3538 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26<app-main ngh="9"><div class="page-main-block full-height position-relative dark-custom-bg"><div class="main-container"><app-video-background-desktop _nghost-ng-c2346891439 ngh="0"><video _ngcontent-ng-c2346891439 autoplay muted playsinline poster="./assets/images/video-poster-desktop.png" class="main-container-logo desktop-video" jsaction="ended:;"><source _ngcontent-ng-c2346891439 src="./assets/videos/bg-16-9.mp4" type="video/mp4"> Your browser does not support the video tag.
27</video><img _ngcontent-ng-c2346891439 src="./assets/images/bg-19-9-picture.webp" class="main-container-logo main-container-image desktop-image" alt="Background"></app-video-background-desktop><app-video-background-mobile _nghost-ng-c700217744 ngh="0"><video _ngcontent-ng-c700217744 autoplay muted playsinline poster="./assets/images/video-poster-mobile.png" class="main-container-logo mobile-video" jsaction="ended:;"><source _ngcontent-ng-c700217744 src="./assets/videos/bg.mp4" type="video/mp4"> Your browser does not support the video tag.
28</video><img _ngcontent-ng-c700217744 src="./assets/images/bg_1.webp" srcset="./assets/images/bg_1_mobile.webp 1000w, ./assets/images/bg_1.webp 2000w" sizes="(max-width: 1024px) 100vw, 2000px" class="main-container-logo main-container-image mobile-image" alt="Background"></app-video-background-mobile><div class="blur-block position-absolute bottom-0 w-100 d-flex flex-xl-row flex-column align-items-xl-end justify-content-xl-between justify-content-end gap-5"><div class="d-flex flex-column align-items-start justify-content-center gap-2 gap-sm-5 text-start z-1 hero-text"><p class="h4 text-secondary abf-pay-label">ABF PAY</p><h1 class="mb-0 text-start fw-bold text-white position-relative"> Where Finance Meets Flow. </h1></div><div class="d-flex flex-column-reverse flex-sm-row align-items-center align-self-center gap-3 app-banner-buttons z-3"><div class="d-flex flex-row gap-sm-3 gap-2"><a target="_blank" class="btn btn-secondary btn-lg d-flex align-items-center justify-content-center gap-0 gap-sm-2" href="https://apps.apple.com/app/abf-pay/id6739257629" data-bs-theme="dark"><img style="width: 16px; height: 20px;" src="assets/images/download-apple-1-dark.svg" alt="Download on the App Store"><img alt style="height: 13px;" src="assets/images/download-apple-2-dark.svg"></a><a target="_blank" class="btn btn-secondary btn-lg d-flex align-items-center justify-content-center gap-0 gap-sm-2" href="https://play.google.com/store/apps/details?id=com.abfpay.app" data-bs-theme="dark"><img style="width: 16px; height: 20px;" src="assets/images/download-google-1-dark.svg" alt="Get it on Google Play"><img alt style="height: 13px;" src="assets/images/download-google-2-dark.svg"></a></div><a rel="nofollow" target="_blank" class="btn btn-lg btn-primary d-flex align-items-center justify-content-center w-100 w-sm-auto gap-3" href="https://my.abfpay.com/auth/registration" data-bs-theme="dark"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 20 20" fill="none"><g clip-path="url(#clip0_14453_193300)"><path d="M5.41675 10.8333L6.07046 12.1407C6.2917 12.5832 6.40232 12.8044 6.55011 12.9962C6.68124 13.1663 6.83375 13.3188 7.00388 13.4499C7.19559 13.5977 7.41684 13.7083 7.85932 13.9296L9.16675 14.5833L7.85932 15.237C7.41684 15.4582 7.19559 15.5689 7.00388 15.7167C6.83375 15.8478 6.68124 16.0003 6.55011 16.1704C6.40232 16.3621 6.2917 16.5834 6.07046 17.0259L5.41675 18.3333L4.76303 17.0259C4.54179 16.5834 4.43117 16.3621 4.28339 16.1704C4.15225 16.0003 3.99974 15.8478 3.82962 15.7167C3.6379 15.5689 3.41666 15.4582 2.97418 15.237L1.66675 14.5833L2.97418 13.9296C3.41666 13.7083 3.6379 13.5977 3.82962 13.4499C3.99974 13.3188 4.15225 13.1663 4.28339 12.9962C4.43117 12.8044 4.54179 12.5832 4.76303 12.1407L5.41675 10.8333Z" stroke="black" stroke-width="1.66667" stroke-linecap="round" stroke-linejoin="round"/><path d="M12.5001 1.66663L13.4823 4.22031C13.7173 4.83133 13.8348 5.13685 14.0175 5.39383C14.1795 5.62159 14.3785 5.82058 14.6062 5.98253C14.8632 6.16526 15.1687 6.28276 15.7797 6.51777L18.3334 7.49996L15.7797 8.48214C15.1687 8.71715 14.8632 8.83466 14.6062 9.01739C14.3785 9.17934 14.1795 9.37833 14.0175 9.60609C13.8348 9.86307 13.7173 10.1686 13.4823 10.7796L12.5001 13.3333L11.5179 10.7796C11.2829 10.1686 11.1654 9.86307 10.9827 9.60609C10.8207 9.37833 10.6217 9.17934 10.3939 9.01739C10.137 8.83466 9.83145 8.71715 9.22043 8.48214L6.66675 7.49996L9.22043 6.51777C9.83145 6.28276 10.137 6.16526 10.3939 5.98253C10.6217 5.82058 10.8207 5.62159 10.9827 5.39383C11.1654 5.13685 11.2829 4.83133 11.5179 4.22031L12.5001 1.66663Z" stroke="black" stroke-width="1.66667" stroke-linecap="round" stroke-linejoin="round"/></g><defs><clipPath id="clip0_14453_193300"><rect width="20" height="20" fill="white"/></clipPath></defs></svg> Get started </a></div></div></div></div><div id="personal" data-bs-theme="light" class="card mx-3 mx-sm-5 mt-0 mt-sm-10"><div class="card-body py-6 py-sm-10 overflow-x-hidden px-0"><!----><!----><app-personal-finance _nghost-ng-c174506316 ngh="1"><div _ngcontent-ng-c174506316 class="personal-finance-section"><h2 _ngcontent-ng-c174506316 class="text-center mb-5 mb-md-8 title fw-bold px-4"> Personal Finance Made Simple </h2><div _ngcontent-ng-c174506316 class="carousel-wrapper"><div _ngcontent-ng-c174506316 class="carousel-slides"><div _ngcontent-ng-c174506316 class="carousel-slide is-active"><div _ngcontent-ng-c174506316 class="card-body d-flex flex-row position-relative card-body-white"><div _ngcontent-ng-c174506316 class="d-flex flex-column-reverse flex-sm-column justify-content-end justify-content-sm-start"><div _ngcontent-ng-c174506316 class="content-column d-flex flex-column-reverse flex-sm-column gap-5 h-100 justify-content-end justify-content-sm-between"><div _ngcontent-ng-c174506316 class="col-sm-6 d-flex pe-sm-8 flex-column align-items-start justify-content-center gap-5"><h3 _ngcontent-ng-c174506316 class="d-none d-sm-block fs-4">Receive or Send payments</h3><p _ngcontent-ng-c174506316 class="text line-height-normal">Expand your financial reach with our platform - accept payments in <span class="text-dark">37+ currencies</span> from <span class="text-dark">200+ countries</span> and send funds in nearly 70, using trusted networks like SEPA, SWIFT, and Faster Payments for fast, secure, and effortless transactions.</p><a _ngcontent-ng-c174506316 rel="nofollow" target="_blank" class="btn btn-sm btn-primary z-1" href="https://my.abfpay.com/auth/registration">Make transfer</a></div><div _ngcontent-ng-c174506316 class="col-sm-6 d-flex align-items-center justify-content-start gap-2 gap-sm-0"><img _ngcontent-ng-c174506316 loading="lazy" decoding="async" class="img-fluid illustration-img" src="../../../assets/images/bank-cards.svg" alt="Receive or Send payments"><h3 _ngcontent-ng-c174506316 class="fs-6 d-sm-none line-height-normal">Receive or Send payments</h3></div></div><div _ngcontent-ng-c174506316><img _ngcontent-ng-c174506316 loading="lazy" decoding="async" sizes="(max-width: 576px) 80vw, (max-width: 1200px) 50vw, 630px" class="main-img position-absolute" src="../../../assets/images/group_of_thee_phones_1x.webp" srcset="../../../assets/images/group_of_thee_phones_1x.webp 1044w, ../../../assets/images/group_of_thee_phones_2x.webp 2088w" alt="Receive or Send payments" data-index="0"></div></div></div></div><div _ngcontent-ng-c174506316 class="carousel-slide is-next"><div _ngcontent-ng-c174506316 class="card-body d-flex flex-row position-relative card-body-white"><div _ngcontent-ng-c174506316 class="d-flex flex-column-reverse flex-sm-column justify-content-end justify-content-sm-start"><div _ngcontent-ng-c174506316 class="content-column d-flex flex-column-reverse flex-sm-column gap-5 h-100 justify-content-end justify-content-sm-between"><div _ngcontent-ng-c174506316 class="col-sm-6 d-flex pe-sm-8 flex-column align-items-start justify-content-center gap-5"><h3 _ngcontent-ng-c174506316 class="d-none d-sm-block fs-4">Currency exchange</h3><p _ngcontent-ng-c174506316 class="text line-height-normal">Effortlessly convert currencies at mid-market rates with no hidden fees - our platform simplifies multi-currency management for global business, travel, and investments.</p><a _ngcontent-ng-c174506316 rel="nofollow" target="_blank" class="btn btn-sm btn-primary z-1" href="https://my.abfpay.com/auth/registration">Exchange Now</a></div><div _ngcontent-ng-c174506316 class="col-sm-6 d-flex align-items-center justify-content-start gap-2 gap-sm-0"><img _ngcontent-ng-c174506316 loading="lazy" decoding="async" class="img-fluid illustration-img" src="../../../assets/images/currency-exchange-illustration.svg" alt="Currency exchange"><h3 _ngcontent-ng-c174506316 class="fs-6 d-sm-none line-height-normal">Currency exchange</h3></div></div><div _ngcontent-ng-c174506316><img _ngcontent-ng-c174506316 loading="lazy" decoding="async" sizes="(max-width: 576px) 80vw, (max-width: 1200px) 50vw, 630px" class="main-img position-absolute" src="../../../assets/images/currency_exchange_phone_1x.webp" srcset="../../../assets/images/currency_exchange_phone_1x.webp 534w, ../../../assets/images/currency_exchange_phone_2x.webp 1068w" alt="Currency exchange" data-index="1"></div></div></div></div><div _ngcontent-ng-c174506316 class="carousel-slide is-prev"><div _ngcontent-ng-c174506316 class="card-body d-flex flex-row position-relative card-body-white"><div _ngcontent-ng-c174506316 class="d-flex flex-column-reverse flex-sm-column justify-content-end justify-content-sm-start"><div _ngcontent-ng-c174506316 class="content-column d-flex flex-column-reverse flex-sm-column gap-5 h-100 justify-content-start justify-content-sm-start"><div _ngcontent-ng-c174506316 class="col-sm-6 d-flex pe-sm-8 flex-column align-items-start justify-content-center gap-5"><h3 _ngcontent-ng-c174506316 class="d-none d-sm-block fs-4">Borderless vWallet</h3><p _ngcontent-ng-c174506316 class="text line-height-normal">Experience true financial freedom with our Borderless vWallet - access and manage <span class="text-dark">10+ major currencies</span> like EUR, USD, AED, CHF, CNY, and PLN in one place, for seamless global transactions without conversion hassles.</p><a _ngcontent-ng-c174506316 rel="nofollow" target="_blank" class="btn btn-sm btn-primary z-1" href="https://my.abfpay.com/auth/registration">Create vWallet</a></div><div _ngcontent-ng-c174506316 class="col-sm-6 d-flex align-items-center justify-content-start gap-2 gap-sm-0"><img _ngcontent-ng-c174506316 loading="lazy" decoding="async" class="img-fluid illustration-img" src="../../../assets/images/v-wallet-illustration.svg" alt="Borderless vWallet"><h3 _ngcontent-ng-c174506316 class="fs-6 d-sm-none line-height-normal">Borderless vWallet</h3></div></div><div _ngcontent-ng-c174506316><img _ngcontent-ng-c174506316 loading="lazy" decoding="async" sizes="(max-width: 576px) 80vw, (max-width: 1200px) 50vw, 630px" class="main-img position-absolute" src="../../../assets/images/borderless_vwallet_phone_bottom_1x.webp" srcset="../../../assets/images/borderless_vwallet_phone_bottom_1x.webp 534w, ../../../assets/images/borderless_vwallet_phone_bottom_2x.webp 1068w" alt="Borderless vWallet" data-index="2"></div></div></div></div><!----></div>

28<div _ngcontent-ng-c174506316 class="carousel-controls"><div _ngcontent-ng-c174506316 class="carousel-indicators"><button _ngcontent-ng-c174506316 class="carousel-indicator is-active" aria-label="Go to slide 1" jsaction="click:;" ngb="d0"><span _ngcontent-ng-c174506316 class="progress-bar"></span><!----></button><button _ngcontent-ng-c174506316 class="carousel-indicator" aria-label="Go to slide 2" jsaction="click:;" ngb="d0"><!----></button><button _ngcontent-ng-c174506316 class="carousel-indicator" aria-label="Go to slide 3" jsaction="click:;" ngb="d0"><!----></button><!----></div><button _ngcontent-ng-c174506316 class="play-pause-btn is-playing" aria-label="Pause" jsaction="click:;" ngb="d0"><svg _ngcontent-ng-c174506316="" width="20" height="20" viewBox="0 0 24 24" fill="none"><rect _ngcontent-ng-c174506316="" x="6" y="5" width="4" height="14" rx="1" fill="currentColor"/><rect _ngcontent-ng-c174506316="" x="14" y="5" width="4" height="14" rx="1" fill="currentColor"/></svg><!----><!----></button></div></div></div></app-personal-finance><!--ngh=d0--></div></div><div id="business" class="card mx-3 mx-sm-5 border-0"><div class="pt-8 py-6 py-sm-10 overflow-x-hidden px-0"><!----><!----><app-business-finance _nghost-ng-c2540602908 ngh="2"><div _ngcontent-ng-c2540602908 class="business-finance-section"><h2 _ngcontent-ng-c2540602908 class="text-center mb-5 px-4 mb-md-8 title fw-bold"> Business Finance Without Complexity </h2><div _ngcontent-ng-c2540602908 class="carousel-wrapper"><div _ngcontent-ng-c2540602908 class="carousel-slides"><div _ngcontent-ng-c2540602908 class="carousel-slide is-active"><div _ngcontent-ng-c2540602908 class="card-body d-flex flex-row position-relative bg-dark"><div _ngcontent-ng-c2540602908 class="d-flex flex-column-reverse flex-sm-column justify-content-end justify-content-sm-start"><div _ngcontent-ng-c2540602908 class="content-column d-flex flex-column-reverse flex-sm-column justify-content-end justify-content-sm-between gap-5 h-100"><div _ngcontent-ng-c2540602908 class="col-sm-6 d-flex flex-column align-items-start justify-content-center gap-5"><h3 _ngcontent-ng-c2540602908 class="d-none d-sm-block fs-4"> Delegate access. Empower your team. <!----></h3><p _ngcontent-ng-c2540602908 class="text line-height-normal">Share financial tasks securely with your team through controlled vWallet access. Streamline workflows, boost productivity, and manage your business together.</p><a _ngcontent-ng-c2540602908 rel="nofollow" target="_blank" class="btn btn-sm btn-primary" href="https://my.abfpay.com/auth/registration">Make transfer</a></div><div _ngcontent-ng-c2540602908 class="col-sm-6 d-flex align-items-center justify-content-start gap-2 gap-sm-0"><img _ngcontent-ng-c2540602908 loading="lazy" decoding="async" class="img-fluid illustration-img" src="../../../assets/images/Illustration-transfer.svg" alt="Delegate access. Empower your team."><h3 _ngcontent-ng-c2540602908 class="fs-6 d-sm-none line-height-normal"> Delegate access. Empower your team. <!----></h3></div></div><div _ngcontent-ng-c2540602908><img _ngcontent-ng-c2540602908 loading="lazy" decoding="async" sizes="(max-width: 576px) 80vw, (max-width: 1200px) 50vw, 630px" class="main-img position-absolute" src="../../../assets/images/team_phones_1x.webp" srcset="../../../assets/images/team_phones_1x.webp 819w, ../../../assets/images/team_phones_2x.webp 1638w" alt="Delegate access. Empower your team." data-index="0"></div></div></div></div><div _ngcontent-ng-c2540602908 class="carousel-slide is-next"><div _ngcontent-ng-c2540602908 class="card-body d-flex flex-row position-relative bg-dark"><div _ngcontent-ng-c2540602908 class="d-flex flex-column-reverse flex-sm-column justify-content-end justify-content-sm-start"><div _ngcontent-ng-c2540602908 class="content-column d-flex flex-column-reverse flex-sm-column justify-content-end justify-content-sm-between gap-5 h-100"><div _ngcontent-ng-c2540602908 class="col-sm-6 d-flex flex-column align-items-start justify-content-center gap-5"><h3 _ngcontent-ng-c2540602908 class="d-none d-sm-block fs-4"> Sync with your accounting tools. <span _ngcontent-ng-c2540602908 class="translate-middle-y-40 badge bg-warning small lh-sm">Soon</span><!----></h3><p _ngcontent-ng-c2540602908 class="text line-height-normal">Seamlessly connect to Xero, QuickBooks, FreeAgent, and more. Simplify financial workflows and focus on what matters - we handle the rest.</p><a _ngcontent-ng-c2540602908 rel="nofollow" target="_blank" class="btn btn-sm btn-primary" href="https://my.abfpay.com/auth/registration">Exchange Now</a></div><div _ngcontent-ng-c2540602908 class="col-sm-6 d-flex align-items-center justify-content-start gap-2 gap-sm-0"><img _ngcontent-ng-c2540602908 loading="lazy" decoding="async" class="img-fluid illustration-img" src="../../../assets/images/exchange-Illustration.svg" alt="Sync

28with your accounting tools."><h3 _ngcontent-ng-c2540602908 class="fs-6 d-sm-none line-height-normal"> Sync with your accounting tools. <span _ngcontent-ng-c2540602908 class="badge bg-warning small lh-sm">Soon</span><!----></h3></div></div><div _ngcontent-ng-c2540602908><img _ngcontent-ng-c2540602908 loading="lazy" decoding="async" sizes="(max-width: 576px) 80vw, (max-width: 1200px) 50vw, 630px" class="main-img position-absolute" src="../../../assets/images/exchange-brands.svg" srcset alt="Sync with your accounting tools." data-index="1"></div></div></div></div><div _ngcontent-ng-c2540602908 class="carousel-slide is-prev"><div _ngcontent-ng-c2540602908 class="card-body d-flex flex-row position-relative bg-dark"><div _ngcontent-ng-c2540602908 class="d-flex flex-column-reverse flex-sm-column justify-content-end justify-content-sm-start"><div _ngcontent-ng-c2540602908 class="content-column d-flex flex-column-reverse flex-sm-column justify-content-end justify-content-sm-between gap-5 h-100"><div _ngcontent-ng-c2540602908 class="col-sm-6 d-flex flex-column align-items-start justify-content-center gap-5"><h3 _ngcontent-ng-c2540602908 class="d-none d-sm-block fs-4"> Payments: Batch and Schedule. <span _ngcontent-ng-c2540602908 class="translate-middle-y-40 badge bg-warning small lh-sm">Soon</span><!----></h3><p _ngcontent-ng-c2540602908 class="text line-height-normal">Upload Excel or CSV files to send multiple transfers at once. Schedule future payments and stay on track - no deadlines missed, no manual hassle.</p><a _ngcontent-ng-c2540602908 rel="nofollow" target="_blank" class="btn btn-sm btn-primary" href="https://my.abfpay.com/auth/registration">Create vWallet</a></div><div _ngcontent-ng-c2540602908 class="col-sm-6 d-flex align-items-center justify-content-start gap-2 gap-sm-0"><img _ngcontent-ng-c2540602908 loading="lazy" decoding="async" class="img-fluid illustration-img" src="../../../assets/images/create-wallet-Illustration.svg" alt="Payments: Batch and Schedule."><h3 _ngcontent-ng-c2540602908 class="fs-6 d-sm-none line-height-normal"> Payments: Batch and Schedule. <span _ngcontent-ng-c2540602908 class="badge bg-warning small lh-sm">Soon</span><!----></h3></div></div><div _ngcontent-ng-c2540602908><img _ngcontent-ng-c2540602908 loading="lazy" decoding="async" sizes="(max-width: 576px) 80vw, (max-width: 1200px) 50vw, 630px" class="main-img position-absolute" src="../../../assets/images/laptop_history_1x.webp" srcset="../../../assets/images/laptop_history_1x.webp 1072w, ../../../assets/images/laptop_history_2x.webp 2144w" alt="Payments: Batch and Schedule." data-index="2"></div></div></div></div><!----></div><div _ngcontent-ng-c2540602908 class="carousel-controls"><div _ngcontent-ng-c2540602908 class="carousel-indicators"><button _ngcontent-ng-c2540602908 class="carousel-indicator is-active" aria-label="Go to slide 1" jsaction="click:;" ngb="d1"><span _ngcontent-ng-c2540602908 class="progress-bar"></span><!----></button><button _ngcontent-ng-c2540602908 class="carousel-indicator" aria-label="Go to slide 2" jsaction="click:;" ngb="d1"><!----></button><button _ngcontent-ng-c2540602908 class="carousel-indicator" aria-label="Go to slide 3" jsaction="click:;" ngb="d1"><!----></button><!----></div><button _ngcontent-ng-c2540602908 class="play-pause-btn is-playing" aria-label="Pause" jsaction="click:;" ngb="d1"><svg _ngcontent-ng-c2540602908="" width="20" height="20" viewBox="0 0 24 24" fill="none"><rect _ngcontent-ng-c2540602908="" x="6" y="5" width="4" height="14" rx="1" fill="currentColor"/><rect _ngcontent-ng-c2540602908="" x="14" y="5" width="4" height="14" rx="1" fill="currentColor"/></svg><!----><!----></button></div></div></div></app-business-finance><!--ngh=d1--></div></div><div class="card mt-0 mt-sm-8 bg-transparent border-0"><div class="card-body pt-0 pt-sm-8 pt-sm-10 pb-0 pb-sm-8 overflow-x-hidden px-0"><!----><!----><app-animated-columns _nghost-ng-c1121997457 ngh="3"><div _ngcontent-ng-c1121997457 class="animated-columns-wrapper"><h2 _ngcontent-ng-c1121997457 class="text-center mb-5 mb-md-8 title"> Industries that trust ABF Pay </h2><div _ngcontent-ng-c1121997457 class="columns-container"><div _ngcontent-ng-c1121997457 class="column" data-direction="up"><div _ngcontent-ng-c1121997457 class="column-track"><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="transparent" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/saas.svg" alt="SaaS icon"></div><span _ngcontent-ng-c1121997457 class="card-title">SaaS</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/it.svg" alt="IT icon"></div><span _ngcontent-ng-c1121997457 class="card-title">

28IT</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="transparent" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/e-commerce.svg" alt="eCommerce icon"></div><span _ngcontent-ng-c1121997457 class="card-title">eCommerce</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/gambling.svg" alt="gambling icon"></div><span _ngcontent-ng-c1121997457 class="card-title">gambling</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="white" data-icon-color="dark"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/forex.svg" alt="Forex icon"></div><span _ngcontent-ng-c1121997457 class="card-title">Forex</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/saas.svg" alt="SaaS icon"></div><span _ngcontent-ng-c1121997457 class="card-title">SaaS</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="transparent" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/it.svg" alt="IT icon"></div><span _ngcontent-ng-c1121997457 class="card-title">IT</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/e-commerce.svg" alt="eCommerce icon"></div><span _ngcontent-ng-c1121997457 class="card-title">eCommerce</span></div><!----><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="transparent" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/saas.svg" alt="SaaS icon"></div><span _ngcontent-ng-c1121997457 class="card-title">SaaS</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/it.svg" alt="IT icon"></div><span _ngcontent-ng-c1121997457 class="card-title">IT</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="transparent" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/e-commerce.svg" alt="eCommerce icon"></div><span _ngcontent-ng-c1121997457 class="card-title">eCommerce</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/gambling.svg" alt="gambling icon"></div><span _ngcontent-ng-c1121997457 class="card-title">gambling</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="white" data-icon-color="dark"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/forex.svg" alt="Forex icon"></div><span _ngcontent-ng-c1121997457 class="card-title">Forex</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/saas.svg" alt="SaaS icon"></div><span _ngcontent-ng-c1121997457 class="card-title">SaaS</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="transparent" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/it.svg" alt="IT icon"></div><span _ngcontent-ng-c1121997457 class="card-title">

28IT</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/e-commerce.svg" alt="eCommerce icon"></div><span _ngcontent-ng-c1121997457 class="card-title">eCommerce</span></div><!----></div></div><div _ngcontent-ng-c1121997457 class="column" data-direction="down"><div _ngcontent-ng-c1121997457 class="column-track"><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="transparent" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/gambling.svg" alt="Gambling icon"></div><span _ngcontent-ng-c1121997457 class="card-title">Gambling</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/forex.svg" alt="Forex icon"></div><span _ngcontent-ng-c1121997457 class="card-title">Forex</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="white" data-icon-color="dark"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/saas.svg" alt="SaaS icon"></div><span _ngcontent-ng-c1121997457 class="card-title">SaaS</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/it.svg" alt="IT icon"></div><span _ngcontent-ng-c1121997457 class="card-title">IT</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="transparent" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/e-commerce.svg" alt="eCommerce icon"></div><span _ngcontent-ng-c1121997457 class="card-title">eCommerce</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/gambling.svg" alt="Gambling icon"></div><span _ngcontent-ng-c1121997457 class="card-title">Gambling</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="transparent" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/forex.svg" alt="Forex icon"></div><span _ngcontent-ng-c1121997457 class="card-title">Forex</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/saas.svg" alt="SaaS icon"></div><span _ngcontent-ng-c1121997457 class="card-title">SaaS</span></div><!----><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="transparent" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/gambling.svg" alt="Gambling icon"></div><span _ngcontent-ng-c1121997457 class="card-title">Gambling</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/forex.svg" alt="Forex icon"></div><span _ngcontent-ng-c1121997457 class="card-title">Forex</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="white" data-icon-color="dark"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/saas.svg" alt="SaaS icon"></div><span _ngcontent-ng-c1121997457 class="card-title">SaaS</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/it.svg" alt="IT icon"></div><span _ngcontent-ng-c1121997457 class="card-title">

28IT</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="transparent" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/e-commerce.svg" alt="eCommerce icon"></div><span _ngcontent-ng-c1121997457 class="card-title">eCommerce</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/gambling.svg" alt="Gambling icon"></div><span _ngcontent-ng-c1121997457 class="card-title">Gambling</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="transparent" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/forex.svg" alt="Forex icon"></div><span _ngcontent-ng-c1121997457 class="card-title">Forex</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/saas.svg" alt="SaaS icon"></div><span _ngcontent-ng-c1121997457 class="card-title">SaaS</span></div><!----></div></div><div _ngcontent-ng-c1121997457 class="column" data-direction="up"><div _ngcontent-ng-c1121997457 class="column-track"><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="transparent" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/e-commerce.svg" alt="eCommerce icon"></div><span _ngcontent-ng-c1121997457 class="card-title">eCommerce</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/gambling.svg" alt="gambling icon"></div><span _ngcontent-ng-c1121997457 class="card-title">gambling</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="white" data-icon-color="dark"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/forex.svg" alt="Forex icon"></div><span _ngcontent-ng-c1121997457 class="card-title">Forex</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/saas.svg" alt="SaaS icon"></div><span _ngcontent-ng-c1121997457 class="card-title">SaaS</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="transparent" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/it.svg" alt="IT icon"></div><span _ngcontent-ng-c1121997457 class="card-title">IT</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/e-commerce.svg" alt="eCommerce icon"></div><span _ngcontent-ng-c1121997457 class="card-title">eCommerce</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="transparent" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/saas.svg" alt="SaaS icon"></div><span _ngcontent-ng-c1121997457 class="card-title">SaaS</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/it.svg" alt="IT icon"></div><span _ngcontent-ng-c1121997457 class="card-title">IT</span></div><!----><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="transparent" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/e-commerce.svg" alt="eCommerce icon"></div><span _ngcontent-ng-c1121997457 class="card-title">eCommerce</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/gambling.svg" alt="gambling icon"></div><span _ngcontent-ng-c1121997457 class="card-title">gambling</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="white" data-icon-color="dark"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/forex.svg" alt="Forex icon"></div><span _ngcontent-ng-c1121997457 class="card-title">Forex</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/saas.svg" alt="SaaS icon"></div><span _ngcontent-ng-c1121997457 class="card-title">SaaS</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="transparent" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/it.svg" alt="IT icon"></div><span _ngcontent-ng-c1121997457 class="card-title">

28IT</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/e-commerce.svg" alt="eCommerce icon"></div><span _ngcontent-ng-c1121997457 class="card-title">eCommerce</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="transparent" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/saas.svg" alt="SaaS icon"></div><span _ngcontent-ng-c1121997457 class="card-title">SaaS</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/it.svg" alt="IT icon"></div><span _ngcontent-ng-c1121997457 class="card-title">IT</span></div><!----></div></div><div _ngcontent-ng-c1121997457 class="column" data-direction="down"><div _ngcontent-ng-c1121997457 class="column-track"><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="white" data-icon-color="dark"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/saas.svg" alt="SaaS icon"></div><span _ngcontent-ng-c1121997457 class="card-title">SaaS</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/it.svg" alt="IT icon"></div><span _ngcontent-ng-c1121997457 class="card-title">IT</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="transparent" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/e-commerce.svg" alt="eCommerce icon"></div><span _ngcontent-ng-c1121997457 class="card-title">eCommerce</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/gambling.svg" alt="gambling icon"></div><span _ngcontent-ng-c1121997457 class="card-title">gambling</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="transparent" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/forex.svg" alt="Forex icon"></div><span _ngcontent-ng-c1121997457 class="card-title">Forex</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/saas.svg" alt="SaaS icon"></div><span _ngcontent-ng-c1121997457 class="card-title">SaaS</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="transparent" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/gambling.svg" alt="Gambling icon"></div><span _ngcontent-ng-c1121997457 class="card-title">Gambling</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/forex.svg" alt="Forex icon"></div><span _ngcontent-ng-c1121997457 class="card-title">Forex</span></div><!----><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="white" data-icon-color="dark"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/saas.svg" alt="SaaS icon"></div><span _ngcontent-ng-c1121997457 class="card-title">SaaS</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/it.svg" alt="IT icon"></div><span _ngcontent-ng-c1121997457 class="card-title">

28IT</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="transparent" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/e-commerce.svg" alt="eCommerce icon"></div><span _ngcontent-ng-c1121997457 class="card-title">eCommerce</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/gambling.svg" alt="gambling icon"></div><span _ngcontent-ng-c1121997457 class="card-title">gambling</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="transparent" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/forex.svg" alt="Forex icon"></div><span _ngcontent-ng-c1121997457 class="card-title">Forex</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="transparent" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/saas.svg" alt="SaaS icon"></div><span _ngcontent-ng-c1121997457 class="card-title">SaaS</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="transparent" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/gambling.svg" alt="Gambling icon"></div><span _ngcontent-ng-c1121997457 class="card-title">Gambling</span></div><div _ngcontent-ng-c1121997457 class="card-item" data-bg="gray" data-icon-bg="gray" data-icon-color="white"><div _ngcontent-ng-c1121997457 class="icon-wrapper"><img _ngcontent-ng-c1121997457 src="/assets/images/forex.svg" alt="Forex icon"></div><span _ngcontent-ng-c1121997457 class="card-title">Forex</span></div><!----></div></div><!----></div><div _ngcontent-ng-c1121997457 class="d-flex flex-column-reverse flex-sm-row align-items-center gap-3 bg-white app-banner-buttons mt-5 mt-sm-8 mx-auto"><div _ngcontent-ng-c1121997457 class="d-flex flex-row gap-sm-3 gap-2"><a _ngcontent-ng-c1121997457 target="_blank" class="btn btn-secondary border border-light-subtle btn-lg d-flex align-items-center justify-content-center gap-0 gap-sm-2" href="https://apps.apple.com/app/abf-pay/id6739257629" data-bs-theme="white"><img _ngcontent-ng-c1121997457 style="height: 20px; width: 16px;" src="assets/images/download-apple-1-white.svg" alt="Download on the App Store"><img _ngcontent-ng-c1121997457 alt style="height: 13px;" src="assets/images/download-apple-2-white.svg"></a><a _ngcontent-ng-c1121997457 target="_blank" class="btn border border-light-subtle btn-lg d-flex align-items-center justify-content-center gap-0 gap-sm-2" href="https://play.google.com/store/apps/details?id=com.abfpay.app" data-bs-theme="white"><img _ngcontent-ng-c1121997457 style="height: 20px; width: 16px;" src="assets/images/download-google-1-dark.svg" alt="Get it on Google Play"><img _ngcontent-ng-c1121997457 alt style="height: 13px;" src="assets/images/download-google-2-white.svg"></a></div><a _ngcontent-ng-c1121997457 rel="nofollow" target="_blank" class="btn btn-lg btn-primary d-flex align-items-center justify-content-center w-100 w-sm-auto gap-2" href="https://my.abfpay.com/auth/registration" data-bs-theme="white"><svg _ngcontent-ng-c1121997457="" fill="none" height="20" viewBox="0 0 20 20" width="20" xmlns="http://www.w3.org/2000/svg"><g _ngcontent-ng-c1121997457="" clip-path="url(#clip0_14453_193300)"><path _ngcontent-ng-c1121997457="" d="M5.41675 10.8333L6.07046 12.1407C6.2917 12.5832 6.40232 12.8044 6.55011 12.9962C6.68124 13.1663 6.83375 13.3188 7.00388 13.4499C7.19559 13.5977 7.41684 13.7083 7.85932 13.9296L9.16675 14.5833L7.85932 15.237C7.41684 15.4582 7.19559 15.5689 7.00388 15.7167C6.83375 15.8478 6.68124 16.0003 6.55011 16.1704C6.40232 16.3621 6.2917 16.5834 6.07046 17.0259L5.41675 18.3333L4.76303 17.0259C4.54179 16.5834 4.43117 16.3621 4.28339 16.1704C4.15225 16.0003 3.99974 15.8478 3.82962 15.7167C3.6379 15.5689 3.41666 15.4582 2.97418 15.237L1.66675 14.5833L2.97418 13.9296C3.41666 13.7083 3.6379 13.5977 3.82962 13.4499C3.99974 13.3

28188 4.15225 13.1663 4.28339 12.9962C4.43117 12.8044 4.54179 12.5832 4.76303 12.1407L5.41675 10.8333Z" stroke="white" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.66667"/><path _ngcontent-ng-c1121997457="" d="M12.5001 1.66663L13.4823 4.22031C13.7173 4.83133 13.8348 5.13685 14.0175 5.39383C14.1795 5.62159 14.3785 5.82058 14.6062 5.98253C14.8632 6.16526 15.1687 6.28276 15.7797 6.51777L18.3334 7.49996L15.7797 8.48214C15.1687 8.71715 14.8632 8.83466 14.6062 9.01739C14.3785 9.17934 14.1795 9.37833 14.0175 9.60609C13.8348 9.86307 13.7173 10.1686 13.4823 10.7796L12.5001 13.3333L11.5179 10.7796C11.2829 10.1686 11.1654 9.86307 10.9827 9.60609C10.8207 9.37833 10.6217 9.17934 10.3939 9.01739C10.137 8.83466 9.83145 8.71715 9.22043 8.48214L6.66675 7.49996L9.22043 6.51777C9.83145 6.28276 10.137 6.16526 10.3939 5.98253C10.6217 5.82058 10.8207 5.62159 10.9827 5.39383C11.1654 5.13685 11.2829 4.83133 11.5179 4.22031L12.5001 1.66663Z" stroke="white" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.66667"/></g><defs _ngcontent-ng-c1121997457=""><clipPath _ngcontent-ng-c1121997457="" id="clip0_14453_193300"><rect _ngcontent-ng-c1121997457="" fill="white" height="20" width="20"/></clipPath></defs></svg> Get started </a></div></div></app-animated-columns><!--ngh=d2--></div></div><div id="main-news" class="card mt-0 mt-sm-8 bg-transparent border-0"><h2 id="title" class="text-center mb-5 mb-md-8 title"> Insights </h2><div><div class="d-flex flex-column gap-2 gap-sm-5"><div class="w-100 w-md-50"><app-new-big-card-news _nghost-ng-c1709088665 class="is-active is-playing" ngh="4"><a _ngcontent-ng-c1709088665 draggable="false" class="new-big-container gap-4 d-flex flex-column text-bg-secondary rounded-4 h-100 theme-dark" href="/en/news/high-risk-business-bank-account-europe" jsaction="click:;"><!----><div _ngcontent-ng-c1709088665 class="big-news-img"><div _ngcontent-ng-c1709088665 class="big-news-media"><img _ngcontent-ng-c1709088665 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class="overlay-panel"><div _ngcontent-ng-c1709088665 class="bg-blur bg-blur--dark"></div><div _ngcontent-ng-c1709088665 class="d-flex flex-row justify-content-between align-items-end gap-10 p-5 overlay-panel__body"><div _ngcontent-ng-c1709088665 class="d-flex flex-column gap-5 overlay-panel__copy"><h3 _ngcontent-ng-c1709088665 class="mb-0 overlay-title" aria-label="High-Risk Business Bank Account in Europe: How to Open One"><span _ngcontent-ng-c1709088665 aria-hidden="true" class="overlay-title__sizer">High-Risk Business Bank Account in Europe: How to Open One</span><span _ngcontent-ng-c1709088665 aria-hidden="true" class="overlay-title__live"><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 0;">H</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 1;">i</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 2;">g</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 3;">h</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 4;">-</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 5;">R</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 6;">i</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 7;">s</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 8;">k</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 9;"> </span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 10;">B</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 11;">u</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 12;">s</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 13;">i</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 14;">n</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 15;">e</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 16;">s</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 17;">s</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 18;"> </span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 19;">B</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 20;">a</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 21;">n</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 22;">k</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 23;"> </span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 24;">A</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 25;">c</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 26;">c</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 27;">o</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 28;">u</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 29;">n</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 30;">t</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 31;"> </span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 32;">i</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 33;">n</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 34;"> </span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 35;">E</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 36;">u</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 37;">r</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 38;">o</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 39;">p</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 40;">e</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 41;">:</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 42;"> </span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 43;">H</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 44;">o</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 45;">w</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 46;"> </span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 47;">t</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 48;">o</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 49;"> </span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 50;">O</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 51;">p</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 52;">e</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 53;">n</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 54;"> </span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 55;">

28O</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 56;">n</span><span _ngcontent-ng-c1709088665 class="overlay-title__char" style="--i: 57;">e</span><!----></span></h3><p _ngcontent-ng-c1709088665 class="mb-0 overlay-fade overlay-fade--excerpt"> Most high-risk businesses get rejected by traditional banks before they even finish the application. Here's what actually gets you approved. </p></div><div _ngcontent-ng-c1709088665 class="d-flex flex-column align-items-end gap-4 overlay-panel__aside overlay-fade overlay-fade--date"><p _ngcontent-ng-c1709088665 class="mb-0 d-flex align-items-center gap-2 publish-date"><svg _ngcontent-ng-c1709088665="" xmlns="http://www.w3.org/2000/svg" width="19" height="19" viewBox="0 0 18 19" fill="none"><path _ngcontent-ng-c1709088665="" d="M9 5.22998V9.72998L12 11.23M16.5 9.72998C16.5 13.8721 13.1421 17.23 9 17.23C4.85786 17.23 1.5 13.8721 1.5 9.72998C1.5 5.58784 4.85786 2.22998 9 2.22998C13.1421 2.22998 16.5 5.58784 16.5 9.72998Z" stroke="currentColor" stroke-width="1.33" stroke-linecap="round" stroke-linejoin="round"/></svg> 24 August 2026 </p><span _ngcontent-ng-c1709088665 class="btn btn-sm btn-primary read-more-btn">Read more</span></div></div></div></div></div><!----></a></app-new-big-card-news><!----><!----></div><div class="w-100 w-md-50"><div class="row g-2 g-md-3"><div class="col-12 col-sm-6 col-lg-5"><app-small-card-news _nghost-ng-c1312131496 ngh="5"><a _ngcontent-ng-c1312131496 class="small-card d-flex flex-column gap-4 text-bg-secondary rounded-4 h-100 theme-dark" href="/en/news/sepa-direct-debit-explained" jsaction="click:;"><!----><div _ngcontent-ng-c1312131496 class="small-card__body d-flex flex-column gap-4 justify-content-between py-8 px-5 w-100"><div _ngcontent-ng-c1312131496 class="d-flex flex-column gap-4"><h4 _ngcontent-ng-c1312131496 class="mb-0 fs-5 line-height-normal">What Is SEPA Direct Debit and How Does It Work</h4><p _ngcontent-ng-c1312131496 class="mb-0 fs-6 line-height-normal"> Over 30 European countries run on SEPA Direct Debit for recurring payments. Here's how the mandate and collection process actually work. </p></div><div _ngcontent-ng-c1312131496 class="d-flex flex-row justify-content-between align-items-center w-100"><div _ngcontent-ng-c1312131496 class="d-flex justify-content-center align-items-center gap-4"><p _ngcontent-ng-c1312131496 class="mb-0 d-flex align-items-center gap-2 publish-date"><svg _ngcontent-ng-c1312131496="" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 18 19" fill="none"><path _ngcontent-ng-c1312131496="" d="M9 5.22998V9.72998L12 11.23M16.5 9.72998C16.5 13.8721 13.1421 17.23 9 17.23C4.85786 17.23 1.5 13.8721 1.5 9.72998C1.5 5.58784 4.85786 2.22998 9 2.22998C13.1421 2.22998 16.5 5.58784 16.5 9.72998Z" stroke="#777C80" stroke-width="1.33" stroke-linecap="round" stroke-linejoin="round"/></svg> 24 August 2026 </p></div><div _ngcontent-ng-c1312131496 class="d-flex justify-content-center align-items-center"><span _ngcontent-ng-c1312131496 class="news-arrow-btn" style="background-color: #141414;"><svg _ngcontent-ng-c1312131496="" width="20" height="21" viewBox="0 0 20 21" fill="none" xmlns="http://www.w3.org/2000/svg"><path _ngcontent-ng-c1312131496="" d="M4.16675 10.7298H15.8334M15.8334 10.7298L10.0001 4.89648M15.8334 10.7298L10.0001 16.5632" stroke-width="1.66667" stroke-linecap="round" stroke-linejoin="round" stroke="#fff"/></svg></span></div></div></div></a></app-small-card-news></div><!----><!----><div class="col-12 col-sm-6 col-lg-5"><app-small-card-news _nghost-ng-c1312131496 ngh="5"><a _ngcontent-ng-c1312131496 class="small-card d-flex flex-column gap-4 text-bg-secondary rounded-4 h-100 theme-dark" href="/en/news/sepa-vs-swift" jsaction="click:;"><!----><div _ngcontent-ng-c1312131496 class="small-card__body d-flex flex-column gap-4 justify-content-between py-8 px-5 w-100"><div _ngcontent-ng-c1312131496 class="d-flex flex-column gap-4"><h4 _ngcontent-ng-c1312131496 class="mb-0 fs-5 line-height-normal">SEPA vs SWIFT: What's the Difference and When to Use Each</h4><p _ngcontent-ng-c1312131496 class="mb-0 fs-6 line-height-normal"> SEPA transfers can cost a fraction of what SWIFT charges, but SWIFT reaches places SEPA never will. Here's how to pick. </p></div><div _ngcontent-ng-c1312131496 class="d-flex flex-row justify-content-between align-items-center w-100"><div _ngcontent-ng-c1312131496 class="d-flex justify-content-center align-items-center gap-4"><p _ngcontent-ng-c1312131496 class="mb-0 d-flex align-items-center gap-2 publish-date"><svg _ngcontent-ng-c1312131496="" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewB

28ox="0 0 18 19" fill="none"><path _ngcontent-ng-c1312131496="" d="M9 5.22998V9.72998L12 11.23M16.5 9.72998C16.5 13.8721 13.1421 17.23 9 17.23C4.85786 17.23 1.5 13.8721 1.5 9.72998C1.5 5.58784 4.85786 2.22998 9 2.22998C13.1421 2.22998 16.5 5.58784 16.5 9.72998Z" stroke="#777C80" stroke-width="1.33" stroke-linecap="round" stroke-linejoin="round"/></svg> 24 August 2026 </p></div><div _ngcontent-ng-c1312131496 class="d-flex justify-content-center align-items-center"><span _ngcontent-ng-c1312131496 class="news-arrow-btn" style="background-color: #141414;"><svg _ngcontent-ng-c1312131496="" width="20" height="21" viewBox="0 0 20 21" fill="none" xmlns="http://www.w3.org/2000/svg"><path _ngcontent-ng-c1312131496="" d="M4.16675 10.7298H15.8334M15.8334 10.7298L10.0001 4.89648M15.8334 10.7298L10.0001 16.5632" stroke-width="1.66667" stroke-linecap="round" stroke-linejoin="round" stroke="#fff"/></svg></span></div></div></div></a></app-small-card-news></div><!----><!----><div class="col-12 col-lg-2"><a class="view-more btn btn-sm btn-secondary d-flex align-items-center justify-content-center p-2 p-md-5 gap-2 text-decoration-none text-white flex-lg-column w-100 h-100" href="/en/news" jsaction="click:;"><img src="../../../assets/images/three-dots-button.svg" alt> View more </a></div></div></div></div></div></div><div id="smarter-and-faster" class="d-flex justify-content-center"><div class="card text-bg-secondary mt-5 mt-sm-10 border-0 w-100"><div class="card-body bg-white overflow-hidden"><div class="row d-flex justify-content-center"><div class="d-flex flex-column flex-sm-row align-items-center justify-content-center gap-5"><div><img loading="lazy" decoding="async" src="../../../assets/images/smart-and-fast.svg" width="365" height="298" class="illustration-img" alt="Smart and fast payments with ABF Pay"></div><div class="d-flex flex-column gap-5 align-items-center col-sm-6"><h4 class="text-center mb-0 text-dark smarter-and-faster-title line-height-normal"> Operate your money across borders - smarter and faster. </h4><p class="text-center mb-0 smarter-and-faster-sub-title line-height-normal"> Manage payments in 70+ currencies with one secure wallet. </p><a rel="nofollow" target="_blank" class="btn btn-dark btn-lg d-flex align-items-center justify-content-center gap-3 w-auto" href="https://my.abfpay.com/auth/registration"><svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" viewBox="0 0 25 25" fill="none"><path d="M7 13.73L7.78446 15.2989C8.04995 15.8299 8.18269 16.0954 8.36003 16.3254C8.51739 16.5296 8.70041 16.7126 8.90455 16.87C9.13462 17.0473 9.4001 17.18 9.93108 17.4455L11.5 18.23L9.93108 19.0144C9.4001 19.2799 9.13462 19.4127 8.90455 19.59C8.70041 19.7474 8.51739 19.9304 8.36003 20.1345C8.18269 20.3646 8.04995 20.6301 7.78446 21.1611L7 22.73L6.21554 21.1611C5.95005 20.6301 5.81731 20.3646 5.63997 20.1345C5.48261 19.9304 5.29959 19.7474 5.09545 19.59C4.86538 19.4127 4.5999 19.2799 4.06892 19.0144L2.5 18.23L4.06892 17.4455C4.5999 17.18 4.86538 17.0473 5.09545 16.87C5.29959 16.7126 5.48261 16.5296 5.63997 16.3254C5.81731 16.0954 5.95005 15.8299 6.21554 15.2989L7 13.73Z" fill="white"/><path d="M15.5 2.72998L16.6786 5.7944C16.9606 6.52763 17.1016 6.89424 17.3209 7.20262C17.5153 7.47593 17.754 7.71473 18.0274 7.90907C18.3357 8.12834 18.7024 8.26935 19.4356 8.55136L22.5 9.72998L19.4356 10.9086C18.7024 11.1906 18.3357 11.3316 18.0274 11.5509C17.754 11.7452 17.5153 11.984 17.3209 12.2573C17.1016 12.5657 16.9606 12.9323 16.6786 13.6656L15.5 16.73L14.3214 13.6656C14.0394 12.9323 13.8984 12.5657 13.6791 12.2573C13.4847 11.984 13.246 11.7452 12.9726 11.5509C12.6643 11.3316 12.2976 11.1906 11.5644 10.9086L8.5 9.72998L11.5644 8.55136C12.2976 8.26935 12.6643 8.12834 12.9726 7.90907C13.246 7.71473 13.4847 7.47593 13.6791 7.20262C13.8984 6.89424 14.0394 6.52763 14.3214 5.7944L15.5 2.72998Z" fill="white"/><path d="M7 13.73L7.78446 15.2989C8.04995 15.8299 8.18269 16.0954 8.36003 16.3254C8.51739 16.5296 8.70041 16.7126 8.90455 16.87C9.13462 17.0473 9.4001 17.18 9.93108 17.4455L11.5 18.23L9.93108 19.0144C9.4001 19.2799 9.13462 19.4127 8.90455 19.59C8.70041 19.7474 8.51739 19.9304 8.36003 20.1345C8.18269 20.3646 8.04995 20.6301 7.78446 21.1611L7 22.73L6.21554 21.1611C5.95005 20.6301 5.81731 20.3646 5.63997 20.1345C5.48261 19.9304 5.29959 19.7474 5.09545 19.59C4.86538 19.4127 4.5999 19.2799 4.06892 19.0144L2.5 18.23L4.06892 17.4455C4.5999 17.18 4.86538 17.0473 5.09545 16.87C5.29959 16.7126 5.48261 16.5296 5.63997 16.3254C5.81731 16.0954 5.95005 15.8299 6.21554 15.2989L7 13.73Z" stroke="white" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/>

28<path d="M15.5 2.72998L16.6786 5.7944C16.9606 6.52763 17.1016 6.89424 17.3209 7.20262C17.5153 7.47593 17.754 7.71473 18.0274 7.90907C18.3357 8.12834 18.7024 8.26935 19.4356 8.55136L22.5 9.72998L19.4356 10.9086C18.7024 11.1906 18.3357 11.3316 18.0274 11.5509C17.754 11.7452 17.5153 11.984 17.3209 12.2573C17.1016 12.5657 16.9606 12.9323 16.6786 13.6656L15.5 16.73L14.3214 13.6656C14.0394 12.9323 13.8984 12.5657 13.6791 12.2573C13.4847 11.984 13.246 11.7452 12.9726 11.5509C12.6643 11.3316 12.2976 11.1906 11.5644 10.9086L8.5 9.72998L11.5644 8.55136C12.2976 8.26935 12.6643 8.12834 12.9726 7.90907C13.246 7.71473 13.4847 7.47593 13.6791 7.20262C13.8984 6.89424 14.0394 6.52763 14.3214 5.7944L15.5 2.72998Z" stroke="white" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/></svg><span> Start Now </span></a></div></div></div></div></div></div><div id="business-faq" itemscope itemtype="https://schema.org/FAQPage" class="container px-6 pt-8 p-sm-8 mt-0 mt-sm-5 align-items-center d-flex flex-column gap-5 w-100"><h2 id="faq-title" class="text-center mb-0 mb-sm-5 mb-md-8 title"> FAQs </h2><!----><!----><app-faq-column class="w-100" _nghost-ng-c2710013561 ngh="7"><div _ngcontent-ng-c2710013561 ngbaccordion class="accordion w-100"><div _ngcontent-ng-c2710013561 ngbaccordionitem itemscope itemprop="mainEntity" itemtype="https://schema.org/Question" class="accordion-item" id="ngb-accordion-item-23443"><h2 _ngcontent-ng-c2710013561 role="heading" ngbaccordionheader class="accordion-header collapsed"><button _ngcontent-ng-c2710013561 type="button" ngbaccordionbutton class="accordion-button px-0 faq-accordion-btn collapsed" id="ngb-accordion-item-23443-toggle" aria-controls="ngb-accordion-item-23443-collapse" aria-expanded="false" jsaction="click:;" ngb="d3"><h2 _ngcontent-ng-c2710013561 itemprop="name" class="fs-3 fw-semibold">How long does it take to open an ABF Pay account?</h2></button></h2><div _ngcontent-ng-c2710013561 role="region" ngbaccordioncollapse class="accordion-collapse collapse" id="ngb-accordion-item-23443-collapse" aria-labelledby="ngb-accordion-item-23443-toggle"><div _ngcontent-ng-c2710013561 ngbaccordionbody class="accordion-body px-0" ngh="6"><!----><!----></div></div><div _ngcontent-ng-c2710013561 itemprop="acceptedAnswer" itemscope itemtype="https://schema.org/Answer" class="d-none"><div _ngcontent-ng-c2710013561 itemprop="text"><span _ngcontent-ng-c2710013561>Opening an ABF Pay account takes about 10 minutes.</span><!----><!----></div></div></div><div _ngcontent-ng-c2710013561 ngbaccordionitem itemscope itemprop="mainEntity" itemtype="https://schema.org/Question" class="accordion-item" id="ngb-accordion-item-23444"><h2 _ngcontent-ng-c2710013561 role="heading" ngbaccordionheader class="accordion-header collapsed"><button _ngcontent-ng-c2710013561 type="button" ngbaccordionbutton class="accordion-button px-0 faq-accordion-btn collapsed" id="ngb-accordion-item-23444-toggle" aria-controls="ngb-accordion-item-23444-collapse" aria-expanded="false" jsaction="click:;" ngb="d3"><h2 _ngcontent-ng-c2710013561 itemprop="name" class="fs-3 fw-semibold">How do I register in ABF Pay?</h2></button></h2><div _ngcontent-ng-c2710013561 role="region" ngbaccordioncollapse class="accordion-collapse collapse" id="ngb-accordion-item-23444-collapse" aria-labelledby="ngb-accordion-item-23444-toggle"><div _ngcontent-ng-c2710013561 ngbaccordionbody class="accordion-body px-0" ngh="6"><!----><!----></div></div><div _ngcontent-ng-c2710013561 itemprop="acceptedAnswer" itemscope itemtype="https://schema.org/Answer" class="d-none"><div _ngcontent-ng-c2710013561 itemprop="text"><span _ngcontent-ng-c2710013561>Creating an ABF Pay personal account is simple and can be done remotely. To start the process, click the âSign Upâ button. After the submission of a registration form, you will be asked to verify your account by submitting your personal documents. They will be reviewed by our Compliance department. This step can take up to 3 business days. In some cases, we may ask you to provide additional information in order to complete the procedure in accordance with regulatory requirements.</span><!----><!----></div></div></div><div _ngcontent-ng-c2710013561 ngbaccordionitem itemscope itemprop="mainEntity" itemtype="https://schema.org/Question" class="accordion-item" id="ngb-accordion-item-23445"><h2 _ngcontent-ng-c2710013561 role="heading" ngbaccordionheader class="accordion-header collapsed"><button _ngcontent-ng-c2710013561 type="button" ngbaccordionbutton class="accordion-button px-0 faq-accordion-btn collapsed" id="ngb-accordion-item-23445-toggle" aria-controls="ngb-accordion-item-23445-collapse" aria-expanded="false" jsaction="click:;" ngb="d3"><h2 _ngcontent-ng-c2710013561 itemprop="name" class="fs-3 fw-semibold">How do I verify myself?</h2></button></h2><div _ngcontent-ng-c2710013561 role="region" ngbaccordioncollapse class="accordion-collapse collapse" id="ngb-accordion-item-23445-collapse" aria-labelledby="ngb-accordion-item-23445-toggle"><div _ngcontent-ng-c2710013561 ngbaccordionbody class="accordion-body px-0" ngh="6"><!----><!----></div></div>

28<div _ngcontent-ng-c2710013561 itemprop="acceptedAnswer" itemscope itemtype="https://schema.org/Answer" class="d-none"><div _ngcontent-ng-c2710013561 itemprop="text"><span _ngcontent-ng-c2710013561>For the verification process ABF Pay uses remote identification tools. To initiate the verification click the âVerifyâ button in the Client office and follow the instructions provided. To complete the verification you will need to upload a photo of your ID document (Passport or National ID card), Proof of address document and pass liveness check. The documents will be reviewed by our Compliance department.</span><!----><!----></div></div></div><div _ngcontent-ng-c2710013561 ngbaccordionitem itemscope itemprop="mainEntity" itemtype="https://schema.org/Question" class="accordion-item" id="ngb-accordion-item-23446"><h2 _ngcontent-ng-c2710013561 role="heading" ngbaccordionheader class="accordion-header collapsed"><button _ngcontent-ng-c2710013561 type="button" ngbaccordionbutton class="accordion-button px-0 faq-accordion-btn collapsed" id="ngb-accordion-item-23446-toggle" aria-controls="ngb-accordion-item-23446-collapse" aria-expanded="false" jsaction="click:;" ngb="d3"><h2 _ngcontent-ng-c2710013561 itemprop="name" class="fs-3 fw-semibold">How long does the verification process take?</h2></button></h2><div _ngcontent-ng-c2710013561 role="region" ngbaccordioncollapse class="accordion-collapse collapse" id="ngb-accordion-item-23446-collapse" aria-labelledby="ngb-accordion-item-23446-toggle"><div _ngcontent-ng-c2710013561 ngbaccordionbody class="accordion-body px-0" ngh="6"><!----><!----></div></div><div _ngcontent-ng-c2710013561 itemprop="acceptedAnswer" itemscope itemtype="https://schema.org/Answer" class="d-none"><div _ngcontent-ng-c2710013561 itemprop="text"><span _ngcontent-ng-c2710013561>Verification of a personal account can take up to 3 business days.</span><!----><!----></div></div></div><div _ngcontent-ng-c2710013561 ngbaccordionitem itemscope itemprop="mainEntity" itemtype="https://schema.org/Question" class="accordion-item" id="ngb-accordion-item-23447"><h2 _ngcontent-ng-c2710013561 role="heading" ngbaccordionheader class="accordion-header collapsed"><button _ngcontent-ng-c2710013561 type="button" ngbaccordionbutton class="accordion-button px-0 faq-accordion-btn collapsed" id="ngb-accordion-item-23447-toggle" aria-controls="ngb-accordion-item-23447-collapse" aria-expanded="false" jsaction="click:;" ngb="d3"><h2 _ngcontent-ng-c2710013561 itemprop="name" class="fs-3 fw-semibold">Whatâs vWallet?</h2></button></h2><div _ngcontent-ng-c2710013561 role="region" ngbaccordioncollapse class="accordion-collapse collapse" id="ngb-accordion-item-23447-collapse" aria-labelledby="ngb-accordion-item-23447-toggle"><div _ngcontent-ng-c2710013561 ngbaccordionbody class="accordion-body px-0" ngh="6"><!----><!----></div></div><div _ngcontent-ng-c2710013561 itemprop="acceptedAnswer" itemscope itemtype="https://schema.org/Answer" class="d-none"><div _ngcontent-ng-c2710013561 itemprop="text"><span _ngcontent-ng-c2710013561>A virtual wallet, also known as an e-wallet or digital wallet, is a digital tool that acts as your secure and convenient all-in-one solution for managing your payment methods and making financial transactions. Think of it as a digital version of your physical wallet, but with added features and convenience.</span><!----><!----></div></div></div><div _ngcontent-ng-c2710013561 ngbaccordionitem itemscope itemprop="mainEntity" itemtype="https://schema.org/Question" class="accordion-item" id="ngb-accordion-item-23448"><h2 _ngcontent-ng-c2710013561 role="heading" ngbaccordionheader class="accordion-header collapsed"><button _ngcontent-ng-c2710013561 type="button" ngbaccordionbutton class="accordion-button px-0 faq-accordion-btn collapsed" id="ngb-accordion-item-23448-toggle" aria-controls="ngb-accordion-item-23448-collapse" aria-expanded="false" jsaction="click:;" ngb="d3"><h2 _ngcontent-ng-c2710013561 itemprop="name" class="fs-3 fw-semibold">How do I receive funds to my vWallet?</h2></button></h2><div _ngcontent-ng-c2710013561 role="region" ngbaccordioncollapse class="accordion-collapse collapse" id="ngb-accordion-item-23448-collapse" aria-labelledby="ngb-accordion-item-23448-toggle"><div _ngcontent-ng-c2710013561 ngbaccordionbody class="accordion-body px-0" ngh="6"><!----><!----></div></div>

28<div _ngcontent-ng-c2710013561 itemprop="acceptedAnswer" itemscope itemtype="https://schema.org/Answer" class="d-none"><div _ngcontent-ng-c2710013561 itemprop="text"><span _ngcontent-ng-c2710013561>In order to receive funds to your ABF Pay vWallet, you should provide your full account details to the payer. These can be found in your Client office:</span><!----><span _ngcontent-ng-c2710013561>ABF Pay Web Client office â Sign in to your ABF Pay account â Go to the Receive tab at the top of your screen â Click on the vWallet that you need the information for â Click the Copy details Button and share the details.</span><!----><!----></div></div></div><!----></div></app-faq-column><!--ngh=d3--><a target="_blank" class="btn btn-secondary btn-lg d-flex align-items-center justify-content-center gap-3 w-auto fw-semibold lh-base" href="/en/contacts" jsaction="click:;"><img src="./assets/images/help-circle.svg" alt width="24" height="24"><span> Have more questions? </span></a></div><div class="card mt-8 bg-transparent border-0"><div class="card-body z-1"><!----><!----><app-application-banner theme="light" _nghost-ng-c2387824136 ngh="8"><div _ngcontent-ng-c2387824136 class="application-banner bg-gray"><div _ngcontent-ng-c2387824136 class="card text-bg-secondary border-0" data-bs-theme="light"><div 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28 Mailing Address: ABFPAY.COM LTD., 777 Hornby Street, Suite 600, Vancouver, British Columbia, V6Z 1S4, Canada </p><p class="small mb-2">Phone: <a href="tel:+1 (604) 417-7166">+1 (604) 417-7166</a></p><p class="small mb-0">Email: <a href="mailto:[email protected]">[email protected]</a></p></div></div></div></div></footer></div><div class="mobile-menu-backdrop" jsaction="click:;"></div><div class="mobile-menu"><div class="mobile-menu-body"><div class="d-flex gap-3 mb-5 d-sm-none reg-links"><a rel="nofollow" target="_blank" class="btn btn-sm border" href="https://my.abfpay.com/auth/login">Log In</a><a rel="nofollow" target="_blank" class="btn btn-sm btn-white" href="https://my.abfpay.com/auth/registration">Sign Up</a></div><div class="d-flex flex-column"><a class="chapter-link" href="/en/personal" jsaction="click:;"><svg xmlns="http://www.w3.org/2000/svg" width="18" height="19" viewBox="0 0 18 19" fill="none"><path d="M9 12.75C10.2426 12.75 11.25 11.7427 11.25 10.5C11.25 9.25741 10.2426 8.25005 9 8.25005C7.75736 8.25005 6.75 9.25741 6.75 10.5C6.75 11.7427 7.75736 12.75 9 12.75Z" stroke="white" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"/><path d="M2.25 8.67385C2.25 8.24308 2.25 8.0277 2.30552 7.82935C2.3547 7.65365 2.43552 7.48839 2.54402 7.3417C2.6665 7.1761 2.83652 7.04387 3.17654 6.7794L8.26327 2.82306C8.52677 2.61812 8.65851 2.51565 8.80399 2.47626C8.93235 2.44151 9.06765 2.44151 9.19601 2.47626C9.34149 2.51565 9.47324 2.61812 9.73673 2.82306L14.8235 6.77941C15.1635 7.04387 15.3335 7.1761 15.456 7.3417C15.5645 7.48839 15.6453 7.65365 15.6945 7.82935C15.75 8.0277 15.75 8.24308 15.75 8.67385V14.1C15.75 14.9401 15.75 15.3602 15.5865 15.681C15.4427 15.9633 15.2132 16.1927 14.931 16.3366C14.6101 16.5 14.1901 16.5 13.35 16.5H4.65C3.80992 16.5 3.38988 16.5 3.06901 16.3366C2.78677 16.1927 2.5573 15.9633 2.41349 15.681C2.25 15.3602 2.25 14.9401 2.25 14.1V8.67385Z" stroke="white" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"/></svg> Personal </a><div class="mobile-menu-chapter"><a href="/en/personal/documents" jsaction="click:;">Documents Required</a><a href="/en/personal/faq" jsaction="click:;">Frequently Asked Questions</a><a href="/en/personal/fees" jsaction="click:;">Fees</a><a href="/en/personal/cards" jsaction="click:;">Cards</a></div></div><div class="d-flex flex-column"><a class="chapter-link" href="/en/business" jsaction="click:;"><svg xmlns="http://www.w3.org/2000/svg" width="18" height="19" viewBox="0 0 18 19" fill="none"><path d="M9.75 9H13.35C14.1901 9 14.6101 9 14.931 9.16349C15.2132 9.3073 15.4427 9.53677 15.5865 9.81901C15.75 10.1399 15.75 10.5599 15.75 11.4V16.5M9.75 16.5V5.4C9.75 4.55992 9.75 4.13988 9.58651 3.81901C9.4427 3.53677 9.21323 3.3073 8.93099 3.16349C8.61012 3 8.19008 3 7.35 3H4.65C3.80992 3 3.38988 3 3.06901 3.16349C2.78677 3.3073 2.5573 3.53677 2.41349 3.81901C2.25 4.13988 2.25 4.55992 2.25 5.4V16.5M16.5 16.5H1.5M4.875 6H7.125M4.875 9H7.125M4.875 12H7.125" stroke="white" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"/></svg> Business </a><div class="mobile-menu-chapter"><a href="/en/business/documents" jsaction="click:;">Documents Required</a><a href="/en/business/faq" jsaction="click:;">Frequently Asked Questions</a><a href="/en/business/fees" jsaction="click:;">Fees</a></div></div><div class="d-flex flex-column"><a class="chapter-link" href="/en/company" jsaction="click:;"><svg xmlns="http://www.w3.org/2000/svg" width="15" height="17" viewBox="0 0 15 17" fill="none"><path d="M9.30707 0.678223L3.09792 16.822H0.614258L6.82341 0.678223H9.30707Z" fill="white"/><path d="M11.7907 0.678223H14.2744L10.4558 10.6066H14.2744L13.343 13.0887H9.50111L8.06524 16.822H5.58158L11.7907 0.678223Z" fill="white"/></svg> Company </a><div class="mobile-menu-chapter"><a href="/en/company" jsaction="click:;">About</a><a href="/en/contacts" jsaction="click:;">Contacts</a><a href="/en/news" jsaction="click:;">Blog</a><a href="mailto:[email protected]" jsaction="click:;">[email protected]</a></div></div><div class="d-flex flex-column"><a class="chapter-link" href="/en/partnership" jsaction="click:;"><svg xmlns="http://www.w3.org/2000/svg" width="18" height="19" viewBox="0 0 18 19" fill="none"><path d="M5.625 4.125C5.625 3.08947 6.46447 2.25 7.5 2.25C8.53553 2.25 9.375 3.08947 9.375 4.125V5.25H10.125C11.1734 5.25 11.6976 5.25 12.111 5.42127C12.6624 5.64963 13.1004 6.08765 13.3287 6.63896C13.5 7.05245 13.5 7.57663 13.5 8.625H14.625C15.6605 8.625 16.5 9.46447 16.5 10.5C16.5 11.5355 15.6605 12.375 14.625 12.375H13.5V13.65C13.5 14.9101 13.5 15.5402 13.2548 16.0215C13.039 16.4448 12.6948 16.789 12.2715 17.0048C11.7902 17.25 11.1601 17.25 9.9 17.25H9.375V15.9375C9.375 15.0055 8.61948 14.25 7.687

285 14.25C6.75552 14.25 6 15.0055 6 15.9375V17.25H5.1C3.83988 17.25 3.20982 17.25 2.72852 17.0048C2.30516 16.789 1.96095 16.4448 1.74524 16.0215C1.5 15.5402 1.5 14.9101 1.5 13.65V12.375H2.625C3.66053 12.375 4.5 11.5355 4.5 10.5C4.5 9.46447 3.66053 8.625 2.625 8.625H1.5C1.5 7.57663 1.5 7.05245 1.67127 6.63896C1.89963 6.08765 2.33765 5.64963 2.88896 5.42127C3.30245 5.25 3.82663 5.25 4.875 5.25H5.625V4.125Z" stroke="white" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"/></svg> Partnership </a></div></div></div></div></app-root>
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64<script id="ng-state" type="application/json">{"196322426":{"b":{"articles":[{"slug":"high-risk-business-bank-account-europe","status":"published","featuredImageUrl":"https://api.site.abfpay.com/uploads/dc5ace40-155e-4be7-87b7-d857b679a4df.webp","publishedAt":"2026-08-24T15:17:00.000Z","author":{"username":"johndoe"},"categories":[{"slug":"company-news","title":"Company News"}],"tags":[{"slug":"new","color":"#000000","title":"New"}],"translations":[{"language":"en","title":"High-Risk Business Bank Account in Europe: How to Open One","excerpt":"Most high-risk businesses get rejected by traditional banks before they even finish the application. Here's what actually gets you approved.","content":{"time":1787584729489,"blocks":[{"id":"cOyTJUDlnk","data":{"text":"\u003Cspan>Securing a business account can be a challenging endeavor if your company operates within sectors that financial institutions categorize as high-risk. Compliance teams meticulously evaluate the nature of your activities, the ultimate beneficial owners, your geographical footprint, and the projected flow of funds. It is important to note that a \u003C/span>\u003Cspan>high-risk business bank account\u003C/span>\u003Cspan> is not a distinct product category; rather, it refers to standard corporate accounts that require enhanced due diligence before approval and during the ongoing lifecycle of the account. If you are exploring specialized financial solutions,\u003C/span>\u003Ca href=\"https://abfpay.com/en\">\u003Cspan> \u003C/span>\u003Cspan>ABF Pay\u003C/span>\u003C/a>\u003Cspan> provides tailored services that navigate these complex regulatory environments effectively.\u003C/span>"},"type":"paragraph"},{"id":"hc0di9Fmxm","data":{"text":"\u003Cspan>What Counts as a High-Risk Business\u003C/span>","level":2},"type":"header"},{"id":"bpAwDvRW5p","data":{"text":"\u003Cspan>While internal risk appetites differ significantly between banking entities, certain industries consistently attract heightened scrutiny during the vetting process:\u003C/span>"},"type":"paragraph"},{"id":"KfAwttbP7N","data":{"meta":{},"items":[{"meta":{},"items":[],"content":"\u003Cspan>Cryptocurrency and digital asset exchanges.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Gambling, betting, and iGaming operators.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Payment processing and money transmission services.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Specific high-turnover financial advisory activities.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Cash-heavy retail or operational models.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Entities featuring intricate, multi-layered ownership structures.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Organizations with extensive international transaction volume.\u003C/span>"}],"style":"unordered"},"type":"list"},{"id":"EBlv0fAGlt","data":{"text":"\u003Cspan>Operating in a high-risk sector does not inevitably result in an application decline. Providing a transparent business model, verifying ownership, and maintaining meticulous financial records can simplify the assessment process significantly.\u003C/span>"},"type":"paragraph"},{"id":"OYpr6GJYWO","data":{"text":"\u003Cspan>Why Banks Reject High-Risk Businesses\u003C/span>","level":2},"type":"header"},{"id":"FDRg-3xpJI","data":{"text":"\u003Cspan>Financial institutions must perform comprehensive checks to understand their clients and the origin of their capital. Rejections frequently occur when provided documentation fails to offer a coherent narrative regarding these aspects. Common barriers to approval include:\u003C/span>"},"type":"paragraph"},{"id":"ssVNCBiKng","data":{"meta":{},"items":[{"meta":{},"items":[],"content":"\u003Cspan>Incomplete or expired corporate documentation.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Ambiguity surrounding the core business operations.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Opaque or excessively complicated beneficial ownership.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Unverified or poorly documented sources of funds.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Irregular payment behavior compared to the industry standard.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>

64Direct associations with jurisdictions considered high-risk by regulators.\u003C/span>"}],"style":"unordered"},"type":"list"},{"id":"cEhvC4ndur","data":{"text":"\u003Cspan>If a bank cannot fulfill its rigorous Know Your Customer (KYC) and Anti-Money Laundering (AML) obligations, it will likely decline the application to mitigate its own institutional risk.\u003C/span>"},"type":"paragraph"},{"id":"WVwozxQ1lX","data":{"text":"\u003Cspan>What You Need to Open a High-Risk Business Bank Account\u003C/span>","level":2},"type":"header"},{"id":"mN9aJdnJgM","data":{"text":"\u003Cspan>Applying for a \u003C/span>\u003Cspan>high-risk business bank account\u003C/span>\u003Cspan> usually involves a more intensive investigative process than opening a standard retail\u003C/span>\u003Ca href=\"https://abfpay.com/en/business\">\u003Cspan> \u003C/span>\u003Cspan>business account\u003C/span>\u003C/a>\u003Cspan>. The specific criteria are contingent upon the providerâs internal policies and your unique business model.\u003C/span>"},"type":"paragraph"},{"id":"p94UDLRAag","data":{"text":"\u003Cspan>Required Documents\u003C/span>","level":3},"type":"header"},{"id":"FdWVSwL5Tu","data":{"text":"\u003Cspan>The documents needed for high-risk\u003C/span>\u003Cspan> business bank account\u003C/span>\u003Cspan> approval typically encompass the following:\u003C/span>"},"type":"paragraph"},{"id":"LMTRlvnNym","data":{"content":[["\u003Cspan>Document Category\u003C/span>","\u003Cspan>Description\u003C/span>"],["\u003Cspan>Corporate Identity\u003C/span>","\u003Cspan>Certificate of incorporation, articles of association, and proof of legal existence.\u003C/span>"],["\u003Cspan>Personal Verification\u003C/span>","\u003Cspan>Valid identification (passports) for all directors and beneficial owners.\u003C/span>"],["\u003Cspan>Operational Data\u003C/span>","\u003Cspan>Detailed description of business activities, website URLs, and client profiles.\u003C/span>"],["\u003Cspan>Financial Evidence\u003C/span>","\u003Cspan>Invoices, existing commercial contracts, and clear proof of source of funds.\u003C/span>"],["\u003Cspan>Projections\u003C/span>","\u003Cspan>Forecasted transaction volumes, expected currencies, and major geographical markets.\u003C/span>"]],"withHeadings":false},"type":"table"},{"id":"J5HLThbR71","data":{"text":"\u003Cspan>Compliance and KYC Requirements\u003C/span>","level":3},"type":"header"},{"id":"vk5cgUQ-RW","data":{"text":"\u003Cspan>Robust KYC procedures are mandatory for the company, its directors, and all beneficial owners. These checks follow the EU's Anti-Money Laundering Directive (AMLD) framework, overseen at EU level by the European Banking Authority (EBA). For high-risk entities, the provider may extend their audit to include your suppliers, customer demographics, and payment routes. Being proactive by providing clear explanations of your revenue streams and ensuring that forecasted payments align with your operational model is critical. Transparency at this stage prevents unnecessary back-and-forth and speeds up the decision-making process.\u003C/span>"},"type":"paragraph"},{"id":"5IiFb9C0l3","data":{"text":"\u003Cspan>Best EU Countries to Open a High-Risk Business Account\u003C/span>","level":2},"type":"header"},{"id":"7ZgRnYrLPD","data":{"text":"\u003Cspan>Identifying the \u003C/span>\u003Cspan>best EU countries to open a high-risk business account\u003C/span>\u003Cspan> solution is a strategic decision that varies based on your industry, ownership structure, and the target markets of your customers. Several EU jurisdictions may be worth considering:\u003C/span>"},"type":"paragraph"},{"id":"_cRgbiD_v2","data":{"meta":{},"items":[{"meta":{},"items":[],"content":"\u003Cspan>Lithuania\u003C/span>\u003Cspan> - strong EMI infrastructure, established fintech expertise, and access to SEPA payment services.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Malta\u003C/span>\u003Cspan> - an established financial-services sector, an EU regulatory framework, and experience serving international businesses.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Cyprus\u003C/span>\u003Cspan> - a developed financial-services market with experience in international, fintech, and other specialized business activities.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Ireland\u003C/span>\u003Cspan>

64 - a major European financial hub with strong payment infrastructure and access to the wider EU market.\u003C/span>"}],"style":"unordered"},"type":"list"},{"id":"CZeNeFGmXD","data":{"text":"\u003Cspan>The right choice depends on your business profile rather than the country alone. Attempting to secure an account in a specific country solely because it appears \"easier\" is rarely a sustainable strategy. Financial institutions will often question why a company has no real operational connection to that jurisdiction, leading to potential account freezes or rejections.\u003C/span>"},"type":"paragraph"},{"id":"ryLyrBQLap","data":{"text":"\u003Cspan>How to Open a High-Risk Business Bank Account (Step by Step)\u003C/span>","level":2},"type":"header"},{"id":"q8PcpRjVkN","data":{"text":"\u003Cspan>If you are currently researching \u003C/span>\u003Cspan>how to open a business bank account for high-risk industry\u003C/span>\u003Cspan> sectors, follow this streamlined approach:\u003C/span>"},"type":"paragraph"},{"id":"JATUQST4j2","data":{"meta":{},"items":[{"meta":{},"items":[],"content":"\u003Cspan>Conduct a Self-Review: Organize comprehensive details regarding your products, customer base, operational countries, and expected turnover.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Select the Right Provider: Verify that the bank or institution explicitly accepts businesses in your specific sector before submitting an application.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Collate Documentation: Ensure all corporate, ownership, and financial records are current and professionally prepared.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Submit the Application: Provide consistent information that leaves no room for ambiguity regarding your business activities.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Finalize KYC Checks: Respond promptly to follow-up questions and provide any additional supporting evidence requested by compliance officers.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Wait for the Outcome: Recognize that complex structures may necessitate an extended internal review period.\u003C/span>"}],"style":"ordered"},"type":"list"},{"id":"9rDzTkWxeA","data":{"text":"\u003Cspan>Alternatives to Traditional Banks\u003C/span>","level":2},"type":"header"},{"id":"eryfknnSrK","data":{"text":"\u003Cspan>Traditional commercial banks are not the only solution for modern enterprises. Depending on your regulatory requirements and operational model, a licensed payment institution or electronic money institution (EMI) may provide a superior \u003C/span>\u003Cspan>business account for high-risk business\u003C/span>\u003Cspan> needs.\u003C/span>"},"type":"paragraph"},{"id":"cwU9yRRyj0","data":{"text":"\u003Cspan>When choosing a suitable provider, prioritize your specific requirements, such as SEPA/SWIFT capabilities, multi-currency support, or corporate card issuance. Many EMIs offer a high-level service while maintaining str

64ict adherence to global AML and KYC protocols. For those seeking a \u003C/span>\u003Cspan>high-risk business bank account in the UK\u003C/span>\u003Cspan>, remember that all applications must comply with the local regulatory framework. Similarly, there is no universal \u003C/span>\u003Cspan>best high-risk business bank account option in the UK\u003C/span>\u003Cspan>; your choice should be based on your specific industry, ownership, and payment volume requirements.\u003C/span>"},"type":"paragraph"},{"id":"PAMceghCxG","data":{"text":"\u003Cspan>FAQ\u003C/span>","level":3},"type":"header"},{"id":"ykJ0dq06rU","data":{"text":"\u003Cspan>What industries are considered high-risk by banks? Commonly, these include crypto-assets, gambling, iGaming, payment processing, money transfers, and certain financial services. Banks also monitor companies with complex multi-layered ownership or those involving high-frequency international payment flows.\u003C/span>"},"type":"paragraph"},{"id":"pATXj40_of","data":{"text":"\u003Cspan>Can a startup open a high-risk business bank account? Yes, startups can apply. However, providers will require significant documentation regarding your business plan, initial funding sources, ownership structure, and projected transaction activity, as there is often no long-term trading history to evaluate.\u003C/span>"},"type":"paragraph"},{"id":"r1kocaZ-Qb","data":{"text":"\u003Cspan>How long does approval take for a high-risk business account? Approval timelines are not fixed. Standard applications may be processed in a few weeks, whereas applications involving complex international ownership or extensive compliance vetting can take significantly longer.\u003C/span>"},"type":"paragraph"},{"id":"NF0_4gneaI","data":{"text":"\u003Cspan>Do high-risk business accounts have higher fees? Frequently, yes. Providers often charge higher fees to account for the increased administrative costs associated with ongoing monitoring, manual compliance checks, and the specialized payment infrastru

64cture required for high-risk sectors.\u003C/span>"},"type":"paragraph"},{"id":"-zBiDm6ekz","data":{"text":"\u003Cspan>Can I open a high-risk business account remotely? Yes, many modern providers facilitate digital onboarding. However, remote applications are still subject to rigorous KYC checks, meaning you must be prepared to provide high-quality digital copies of identification, corporate documents, and verifiable proof of your source of funds.\u003C/span>"},"type":"paragraph"}],"version":"2.31.6"},"metaDescription":"Struggling to open a business bank account for a high-risk industry? Here's what EU banks require and how to get approved.","metaTitle":"How to Open a High-Risk Business Bank Account in Europe"}]},{"slug":"sepa-direct-debit-explained","status":"published","featuredImageUrl":"https://api.site.abfpay.com/uploads/42775b5d-0ce5-490f-9a84-900c8a764da0.webp","publishedAt":"2026-08-24T15:08:00.000Z","author":{"username":"johndoe"},"categories":[{"slug":"company-news","title":"Company News"}],"tags":[{"slug":"new","color":"#000000","title":"New"}],"translations":[{"language":"en","title":"What Is SEPA Direct Debit and How Does It Work","excerpt":"Over 30 European countries run on SEPA Direct Debit for recurring payments. Here's how the mandate and collection process actually work.","content":{"time":1787584357638,"blocks":[{"id":"QBWLNOwxnY","data":{"text":"\u003Cspan>What is SEPA Direct Debit? It is a payment method that lets a creditor collect euros directly from a payer's bank account after the payer authorizes the collection through a valid mandate.\u003C/span>"},"type":"paragraph"},{"id":"oBJnmeWVs6","data":{"text":"\u003Cspan>SEPA Direct Debit supports both one-off and recurring payments. A software provider, for example, can collect a monthly subscription after the customer has authorised a mandate. The same arrangement can be used for memberships, insurance, utilities, and professional services.\u003C/span>"},"type":"paragraph"},{"id":"qnrtiH8SdG","data":{"text":"\u003Cspan>What Is SEPA Direct Debit\u003C/span>","level":2},"type":"header"},{"id":"edoT39DIxi","data":{"text":"\u003Cspan>SEPA stands for Single Euro Payments Area and provides a common framework for euro payments across participating European countries and territories. SEPA Direct Debit is designed specifically for euro-denominated collections.\u003C/span>"},"type":"paragraph"}

64,{"id":"1qaoYsUV4r","data":{"text":"\u003Cspan>What is direct debit? It is a payment arrangement in which a customer authorises a company or another creditor to collect agreed amounts from their bank account. SEPA Direct Debit applies this concept through standardised European schemes.\u003C/span>"},"type":"paragraph"},{"id":"GRS9p8CaYd","data":{"text":"\u003Cspan>What is SEPA DD? It is the common abbreviation for SEPA Direct Debit, a standardised euro collection method covering mandates, payment processing, refunds, and the responsibilities of creditors, debtors, and payment service providers.\u003C/span>"},"type":"paragraph"},{"id":"zB6BvFRM8X","data":{"text":"\u003Cspan>The SEPA Direct Debit schemes operate under rulebooks maintained by the European Payments Council (EPC). As of 2026, the applicable SDD Core and SDD B2B rulebooks are the 2025 versions 1.1, which entered into force on 5 October 2025 and remain in effect through 21 November 2027.\u003C/span>"},"type":"paragraph"},{"id":"NcACws3jPK","data":{"text":"\u003Cspan>How SEPA Direct Debit Works\u003C/span>","level":2},"type":"header"},{"id":"LxBe-PCvTW","data":{"text":"\u003Cspan>The SEPA Direct Debit payment process involves the creditor, debtor, their payment service providers, and the relevant clearing and settlement infrastru

64cture.\u003C/span>"},"type":"paragraph"},{"id":"wpD-qcXBoD","data":{"text":"\u003Cspan>The basic sequence is:\u003C/span>"},"type":"paragraph"},{"id":"hObwYLyjXL","data":{"meta":{},"items":[{"meta":{},"items":[],"content":"\u003Cspan>Mandate authorised.&nbsp;\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Pre-notification provided.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Collection submitted.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Account debited.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Funds settled.\u003C/span>"}],"style":"unordered"},"type":"list"},{"id":"mD52HGcBur","data":{"text":"\u003Cspan>A creditor cannot simply withdraw money from a customer's account without the required authorisation and collection information.\u003C/span>"},"type":"paragraph"},{"id":"TUfGkbEACB","data":{"text":"\u003Cspan>The Mandate\u003C/span>","level":3},"type":"header"},{"id":"7bsQ9IaTJQ","data":{"text":"\u003Cspan>A mandate is the payer's authorisation allowing a specific creditor to initiate direct debit collections. It identifies the creditor, payer, relevant account, and mandate.\u003C/span>"},"type":"paragraph"},{"id":"7OKp7OAmFy","data":{"text":"\u003Cspan>Mandates may be provided on paper or through approved electronic processes. Creditors must retain mandate information in accordance with applicable scheme rules and legal requirements.\u003C/span>"},"type":"paragraph"},{"id":"ctvjVXenWD","data":{"text":"\u003Cspan>For recurring payments, the same mandate can support multiple collections.\u003C/span>"},"type":"paragraph"},{"id":"HaMdvYbTqE","data":{"text":"\u003Cspan>Collection Process\u003C/span>","level":3},"type":"header"},{"id":"Z8ukyyKjlw","data":{"text":"\u003Cspan>Once a valid mandate is available, the creditor submits the collection information to its payment service provider. The collection then moves through the relevant SEPA clearing and settlement infrastru

64cture.\u003C/span>"},"type":"paragraph"},{"id":"pAQ1izg7T7","data":{"text":"\u003Cspan>Under the SDD Core scheme, the default pre-notification period is 14 calendar days unless another period has been agreed.\u003C/span>"},"type":"paragraph"},{"id":"2VgQYOojFl","data":{"text":"\u003Cspan>On the due date, the payer's account is debited and the funds are transferred. If the collection cannot be completed, it may be rejected, returned, or refunded depending on the reason and applicable rules.\u003C/span>"},"type":"paragraph"},{"id":"RT8gz0ICUC","data":{"text":"\u003Cspan>SEPA Direct Debit vs Regular Direct Debit\u003C/span>","level":2},"type":"header"},{"id":"5fdRqBDYum","data":{"text":"\u003Cspan>SEPA Direct Debit provides a common framework for euro collections across participating markets instead of requiring businesses to use separate national procedures.\u003C/span>"},"type":"paragraph"},{"id":"EPjBNxaJfr","data":{"content":[["\u003Cspan>Feature\u003C/span>","\u003Cspan>SEPA Direct Debit\u003C/span>","\u003Cspan>Domestic Direct Debit\u003C/span>"],["\u003Cspan>Coverage\u003C/span>","\u003Cspan>Participating SEPA countries and territories\u003C/span>","\u003Cspan>Usually one national market\u003C/span>"],["\u003Cspan>Currency\u003C/span>","\u003Cspan>EUR\u003C/span>","\u003Cspan>Depends on the local scheme\u003C/span>"],["\u003Cspan>Framework\u003C/span>","\u003Cspan>Common EPC scheme rules\u003C/span>","\u003Cspan>National rules\u003C/span>"],["\u003Cspan>Cross-border use\u003C/span>","\u003Cspan>Designed for cross-border euro collections\u003C/span>","\u003Cspan>Often subject to domestic limitations\u003C/span>"],["\u003Cspan>Main schemes\u003C/span>","\u003Cspan>Core and B2B\u003C/span>","\u003Cspan>Depends on the country\u003C/span>"]],"withHeadings":false},"type":"table"},{"id":"P-bRNlw81g","data":{"text":"\u003Cspan>Businesses using direct debit SEPA arrangements can therefore follow a common framework when collecting euro payments across participating markets. The scheme is intended for euro collections, while availability depends on the payment service providers involved.\u003C/span>"},"type":"paragraph"},{"id":"rkuIQgQIVr","data":{"text":"\u003Cspan>SEPA DD for Businesses (B2B Scheme)\u003C/span>","level":2},"type":"header"},{"id":"nIa-R_WbFE","data":{"text":"\u003Cspan>SEPA DD has two principal schemes: SDD Core and SDD B2B. Core can be used by consumers and businesses, while B2B is intended specifically for payments between businesses.\u003C/span>"},"type":"paragraph"},{"id":"Aym7VDzHGj","data":{"text":"\u003Cspan>Under SDD Core, a payer can generally request a refund of an authorised collection within eight weeks of the debit date without providing a reason. For an unauthorised collection, the claim period can extend to 13 months from the debit date.\u003C/span>"},"type":"paragraph"},{"id":"xjRLM74oVE","data":{"text":"\u003Cspan>The SDD B2B scheme does not provide the same unconditional eight-week refund right for authorised transactions. It also includes additional mandate verification requirements for the payer's payment service provider.\u003C/span>"},"type":"paragraph"},{"id":"6vUocp0a-o","data":{"text":"\u003Cspan>The SEPA Direct Debit B2B scheme can therefore suit companies collecting recurring invoices, service fees, subscriptions, and other business-to-business payments. Both payment service providers must support the B2B scheme.\u003C/span>"},"type":"paragraph"},{"id":"_SlUNWs0X9","data":{"text":"\u003Cspan>How to Set Up SEPA Direct Debit\u003C/span>","level":2},"type":"header"},{"id":"iKOfYt_jDE","data":{"text":"\u003Cspan>Setting up SEPA Direct Debit requires a compatible payment service provider, creditor information, a compliant mandate process, and secure recordkeeping.\u003C/span>"},"type":"paragraph"},{"id":"5UoGUG4yHn","data":{"text":"\u003Cspan>A typical setup involves:\u003C/span>"},"type":"paragraph"},{"id":"XocRDw9gT7","data":{"meta":{},"items":[{"meta":{},"items":[],"content":"\u003Cspan>Choose a provider. Confirm that it supports the relevant SDD scheme and your business model.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Complete onboarding. Provide company, ownership, and business information.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Set up mandates. Give customers a compliant way to authorise collections.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Store records. Keep mandate information secure and update it when necessary.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Configure collections. Establish procedures for due dates, returns, refunds, and reconciliation.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Monitor failures. Investigate rejected or returned collections.\u003C/span>"}],"style":"ordered"},"type":"list"},{"id":"3BnH0oJ9MQ","data":{"text":"\u003Cspan>A\u003C/span>\u003Ca href=\"https://abfpay.com/en/business\">\u003Cspan> \u003C/span>\u003Cspan>business account\u003C/span>

64\u003C/a>\u003Cspan> can complement payment-processing arrangements by supporting business funds and international financial operations, subject to provider terms and eligibility.\u003C/span>"},"type":"paragraph"},{"id":"usjjxjBtzv","data":{"text":"\u003Cspan>For companies handling European and international transactions,\u003C/span>\u003Ca href=\"https://abfpay.com/en\">\u003Cspan> \u003C/span>\u003Cspan>ABF Pay\u003C/span>\u003C/a>\u003Cspan> provides financial services that may complement day-to-day payment management, depending on the company's requirements and applicable restrictions.\u003C/span>"},"type":"paragraph"},{"id":"GYsjddGB5R","data":{"text":"\u003Cspan>When Is SEPA Direct Debit a Good Choice?\u003C/span>","level":2},"type":"header"},{"id":"YpSRDUQMQb","data":{"text":"\u003Cspan>SEPA Direct Debit can be useful when a business needs to collect recurring or one-off euro payments from customers through participating payment service providers. Common uses include software subscriptions, memberships, insurance, utilities, and professional services.\u003C/span>"},"type":"paragraph"},{"id":"aW_MG58OG7","data":{"text":"\u003Cspan>Because the SEPA Direct Debit payment method handles euros exclusively, it won't cover other currencies. A business invoicing customers in USD or GBP may need another payment route.\u003C/span>"},"type":"paragraph"},{"id":"MtgW25WTN8","data":{"text":"\u003Cspan>Effective mandate management is also important. Accurate records, clear cancellation procedures, and monitoring of failed collections can make recurring payment administration more reliable.\u003C/span>"},"type":"paragraph"},{"id":"HmFUXIuYrj","data":{"text":"\u003Cspan>Businesses using the schemes in 2026 should also prepare for a technical change: from 15 November 2026, unstructured address formats will no longer be permitted in EPC payment messages; structured or hybrid formats will be required.\u003C/span>"},"type":"paragraph"},{"id":"cSX2pKDtGw","data":{"text":"\u003Cspan>FAQ\u003C/span>","level":2},"type":"header"},{"id":"95NivBdT8y","data":{"text":"\u003Cspan>Can I cancel a SEPA Direct Debit mandate?\u003C/span>"},"type":"paragraph"},{"id":"J0xB_uaz7h","data":{"text":"\u003Cspan>Yes. A payer can revoke a mandate by contacting the creditor or, where available, their payment service provider. Future collections should stop once the cancellation has been properly processed.\u003C/span>"},"type":"paragraph"},{"id":"ECiWiN5sry","data":{"text":"\u003Cspan>What's the difference between SEPA Core and SEPA B2B Direct Debit?\u003C/span>"},"type":"paragraph"},{"id":"jl31Uq0FIs","data":{"text":"\u003Cspan>SDD Core can be used for consumers and businesses and generally provides an eight-week refund right for authorised collections. SDD B2B is intended for business customers and does not provide the same unconditional refund right for authorised transactions.\u003C/span>"},"type":"paragraph"},{"id":"KJBs_5M0qf","data":{"text":"\u003Cspan>How much notice is required before a SEPA Direct Debit collection?\u003C/span>"},"type":"paragraph"},{"id":"7liPUKuFRU","data":{"text":"\u003Cspan>The default SDD Core rule provides for pre-notification 14 calendar days before the due date unless another period has been agreed.\u003C/span>"},"type":"paragraph"},{"id":"8vGo-Dl2d2","data":{"text":"\u003Cspan>Can a business use SEPA Direct Debit to collect from customers?\u003C/span>"},"type":"paragraph"},{"id":"ugfuDEEE6W","data":{"text":"\u003Cspan>Yes. A business can use SDD Core for eligible customer collections and SDD B2B for corporate customers, provided the relevant payment service providers support the chosen scheme.\u003C/span>"},"type":"paragraph"},{"id":"PZnxQYjDW9","data":{"text":"\u003Cspan>What happens if a SEPA Direct Debit payment is refused?\u003C/span>"},"type":"paragraph"},{"id":"gSVjG2a0ji","data":{"text":"\u003Cspan>The collection may be rejected or returned. Common causes include insufficient funds, incorrect account details, a cancelled mandate, or other processing issues. The creditor should contact its payment service provider to identify the specific reason.\u003C/span>"},"type":"paragraph"}],"version":"2.31.6"},"metaDescription":"What is SEPA Direct Debit, how the mandate works, and how B2B and consumer direct debits differ: a full guide with examples.","metaTitle":"SEPA Direct Debit Explained: How It Works"}]},{"slug":"sepa-vs-swift","status":"published","featuredImageUrl":"https://api.site.abfpay.com/uploads/7d0f2d42-c369-4cf5-8684-1477697f4fb2.webp","publishedAt":"2026-08-24T14:51:00.000Z","author":{"username":"johndoe"},"categories":[{"slug":"company-news","title":"Company News"}],"tags":[{"slug":"new","color":"#000000","title":"New"}],"translations":[{"language":"en","title":"SEPA vs SWIFT: What's the Difference and When to Use Each","excerpt":"SEPA transfers can cost a fraction of what SWIFT charges, but SWIFT reaches places SEPA never will. Here's how to pick.","content":{"time":1

64787583370981,"blocks":[{"id":"0o5-78fr6D","data":{"text":"\u003Cspan>Choosing how to move funds depends largely on two core factors: the destination and the currency. For example, when comparing \u003C/span>\u003Cspan>SWIFT vs SEPA\u003C/span>\u003Cspan> for a euro payment to a vendor in France, the process and cost structure can be very different from sending US dollars to an American corporate partner.\u003C/span>"},"type":"paragraph"},{"id":"ZYx6leC0Wq","data":{"text":"\u003Cspan>This is where the classic comparison between \u003C/span>\u003Cspan>SEPA and SWIFT\u003C/span>\u003Cspan> comes into play. Simply put, SEPA provides a standardized framework for euro payments across its geographical area, while SWIFT is a global financial messaging network used by institutions to support cross-border transactions in numerous countries and currencies. Rather than asking whether \u003C/span>\u003Cspan>SEPA or SWIFT\u003C/span>\u003Cspan> is universally better, businesses should consider the destination, currency, payment route, speed, and total cost of each transaction.\u003C/span>"},"type":"paragraph"},{"id":"p2XeL8Fn65","data":{"text":"\u003Cspan>What Is SEPA?\u003C/span>","level":2},"type":"header"},{"id":"QBdzKdGwiA","data":{"text":"\u003Cspan>SEPA (Single Euro Payments Area) is a European payments framework designed to make euro credit transfers and direct debits work under harmonized rules across participating countries and territories. The SEPA geographical scope extends beyond the European Union and currently includes 41 countries and territories.\u003C/span>"},"type":"paragraph"},{"id":"xdUu04Ns0o","data":{"text":"\u003Cspan>The main SEPA payment schemes include:\u003C/span>"},"type":"paragraph"},{"id":"r28Rgd-kZU","data":{"meta":{},"items":[{"meta":{},"items":[],"content":"\u003Cspan>SEPA Credit Transfer:\u003C/span>\u003Cspan> The standard scheme for euro credit transfers.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>SEPA Instant Credit Transfer:\u003C/span>\u003Cspan> A scheme that enables eligible euro credit transfers to be processed within seconds, around the clock, when the participating payment service providers support the service.\u003C/span>"}],"style":"unordered"},"type":"list"},{"id":"Al7Ep3h3JH","data":{"text":"\u003Cspan>The European Payments Council (EPC) develops and manages the SEPA payment scheme rulebooks, while the broader SEPA framework is supported by European Union legislation. Regulation (EU) No 260/2012, commonly known as the SEPA Regulation, establishes technical and business requirements for euro credit transfers and direct debits.\u003C/span>"},"type":"paragraph"},{"id":"kTYcFptoy8","data":{"text":"\u003Cspan>This distinction matters: the EPC manages the payment schemes, while EU legislation provides the regulatory framework within which relevant SEPA schemes operate.\u003C/span>"},"type":"paragraph"},{"id":"6wsaLbo-WZ","data":{"text":"\u003Cspan>SEPA is particularly useful for businesses that regularly send and receive euros within the SEPA area.\u003C/span>"},"type":"paragraph"},{"id":"eADxPpjUCQ","data":{"text":"\u003Cspan>What Is SWIFT?\u003C/span>","level":2},"type":"header"},{"id":"mCe0eXrhQx","data":{"text":"\u003Cspan>The primary \u003C/span>\u003Cspan>difference between SEPA and SWIFT\u003C/span>\u003Cspan> is their function as well as their geographic scope.\u003C/span>"},"type":"paragraph"},{"id":"_Fd4TJBlNG","data":{"text":"\u003Cspan>SWIFT (Society for Worldwide Interbank Financial Telecommunication) is a global, member-owned cooperative that provides secure financial messaging services to financial institutions. It is not a payment or settlement system itself: SWIFT transmits standardized payment instructions, while the actual movement and settlement of funds take place through banks and other financial infrastructures.\u003C/span>"},"type":"paragraph"},{"id":"Vm7IWX3CCo","data":{"text":"\u003Cspan>SWIFT operates under a cooperative central-bank oversight arrangement involving the G-10 central banks, with the National Bank of Belgium acting as the lead overseer because SWIFT is headquartered in Belgium.\u003C/span>"},"type":"paragraph"},{"id":"gA-et2tJfW","data":{"text":"\u003Cspan>This is an important distinction when comparing \u003C/span>\u003Cspan>SEPA vs SWIFT\u003C/span>\u003Cspan>: SEPA defines a European framework and payment schemes for euro transactions, whereas SWIFT primarily provides the messaging infrastru

64cture used to communicate instructions for international financial transactions.\u003C/span>"},"type":"paragraph"},{"id":"9hlvuyy4AU","data":{"text":"\u003Cspan>SEPA vs SWIFT\u003C/span>","level":2},"type":"header"},{"id":"jKofyCg-x6","data":{"content":[["\u003Cspan>Feature\u003C/span>","\u003Cspan>SEPA\u003C/span>","\u003Cspan>SWIFT\u003C/span>"],["\u003Cspan>Primary Use\u003C/span>","\u003Cspan>Euro payments within the SEPA area\u003C/span>","\u003Cspan>Global cross-border payment messaging\u003C/span>"],["\u003Cspan>Coverage\u003C/span>","\u003Cspan>41 countries and territories\u003C/span>","\u003Cspan>Worldwide\u003C/span>"],["\u003Cspan>Currency\u003C/span>","\u003Cspan>EUR\u003C/span>","\u003Cspan>Multiple currencies, including USD, GBP, JPY, and more\u003C/span>"],["\u003Cspan>Speed\u003C/span>","\u003Cspan>From seconds to a couple of business days, depending on the scheme and banks\u003C/span>","\u003Cspan>Depends on routing, banks, currencies, and settlement arrangements\u003C/span>"],["\u003Cspan>Cost\u003C/span>","\u003Cspan>Generally low for eligible euro payments\u003C/span>","\u003Cspan>May involve higher bank and intermediary costs\u003C/span>"],["\u003Cspan>Best For\u003C/span>","\u003Cspan>European euro-denominated business payments\u003C/span>","\u003Cspan>Global merchants, importers, and international businesses\u003C/span>"]],"withHeadings":false},"type":"table"},{"id":"2dKHulPXtY","data":{"text":"\u003Cspan>Speed: Who Wins the Race?\u003C/span>","level":2},"type":"header"},{"id":"LNCJclDJNm","data":{"text":"\u003Cspan>The key issue in \u003C/span>\u003Cspan>SEPA vs SWIFT transfer times\u003C/span>\u003Cspan> is not simply how quickly a message travels. It is how long it takes for the beneficiary to actually receive and access the funds.\u003C/span>"},"type":"paragraph"},{"id":"JIszff_a5E","data":{"text":"\u003Cspan>For a SEPA Credit Transfer, processing times are governed by the applicable scheme rules and the payment service providers involved. SEPA Instant is different: eligible transactions are designed to make funds available within seconds, 24/7, when the relevant institutions participate in the scheme.\u003C/span>"},"type":"paragraph"},{"id":"bHqp5Ow1A4","data":{"text":"\u003Cspan>SWIFT messages can also be transmitted very quickly, but SWIFT itself does not determine when the underlying funds become available. The final timing can be affected by intermediary banks, local clearing systems, compliance screening, cut-off times, holidays, and the currencies involved.\u003C/span>"},"type":"paragraph"},{"id":"s8podjNMrC","data":{"text":"\u003Cspan>

64For example, a USD payment sent through SWIFT may need to pass through one or more correspondent banking relationships before reaching the beneficiary's bank. That additional routing can introduce delays even when the underlying SWIFT message has been transmitted promptly.\u003C/span>"},"type":"paragraph"},{"id":"N7wMSbTUk0","data":{"text":"\u003Cspan>Fees and Costs\u003C/span>","level":2},"type":"header"},{"id":"ZYA9WgXzR5","data":{"text":"\u003Cspan>The \u003C/span>\u003Cspan>SEPA vs SWIFT fees difference\u003C/span>\u003Cspan> is largely determined by how the payment is routed and which institutions are involved.\u003C/span>"},"type":"paragraph"},{"id":"qhTXIGFS86","data":{"text":"\u003Cspan>For eligible euro payments within the SEPA framework, the payment route is generally more standardized, which can make pricing easier to predict. EU rules also establish requirements concerning charges for certain cross-border euro payments.\u003C/span>"},"type":"paragraph"},{"id":"BQyA1EFART","data":{"text":"\u003Cspan>SWIFT payments can involve fees charged by the sending bank, beneficiary bank, and intermediary or correspondent banks. The final amount received can therefore differ from the amount initially sent, depending on the fee arrangement and payment route.\u003C/span>"},"type":"paragraph"},{"id":"AUuXAH5U11","data":{"text":"\u003Cspan>Foreign-exchange costs can also be more important than the transfer fee itself. A business sending USD through a SWIFT route, for example, may need to consider the exchange rate applied when the recipient ultimately receives EUR or another currency.\u003C/span>"},"type":"paragraph"},{"id":"dRjeFpUm3N","data":{"text":"\u003Cspan>For high-value or frequent international payments, businesses should therefore compare the \u003C/span>\u003Cspan>total transaction cost\u003C/span>\u003Cspan>, including transfer fees, intermediary deductions, and FX conversion costs, rather than looking only at the advertised transfer fee.\u003C/span>"},"type":"paragraph"},{"id":"wEOWFGLOa8","data":{"text":"\u003Cspan>Geography\u003C/span>","level":2},"type":"header"},{"id":"RZSkraTc9H","data":{"text":"\u003Cspan>The SEPA geographical scope is broader than the EU, so a country does not necessarily have to be an EU member or use the euro as its national currency to participate in SEPA schemes. The relevant payment service providers must nevertheless participate in the applicable scheme and meet its requirements.\u003C/span>"},"type":"paragraph"},{"id":"RDpPBVsd-e","data":{"text":"\u003Cspan>This creates an important practical distinction. A company may be located in a country within the SEPA geographical scope, but that does not automatically mean that every financial institution or every type of payment is eligible for every SEPA scheme.\u003C/span>"},"type":"paragraph"},{"id":"yxoo5rrxw0","data":{"text":"\u003Cspan>SWIFT does not have an equivalent regional eligibility framework. Its messaging network supports financial institutions operating across global markets, making it suitable for transactions involving countries outside the SEPA area.\u003C/span>"},"type":"paragraph"},{"id":"HHAKvZq6H5","data":{"text":"\u003Cspan>Currency Support\u003C/span>","level":2},"type":"header"},{"id":"CyNi8rv0Jl","data":{"text":"\u003Cspan>SEPA payment schemes are designed for euro transactions. The fact that a business holds accounts in other currencies does not turn a non-euro transfer into a SEPA payment.\u003C/span>"},"type":"paragraph"},{"id":"E4Il2vQSLN","data":{"text":"\u003Cspan>For example, a company in Switzerland may maintain a EUR account and use SEPA for an eligible euro transfer, even though Switzerland's national currency is the Swiss franc.\u003C/span>"},"type":"paragraph"},{"id":"FYw0dxMmnG","data":{"text":"\u003Cspan>SWIFT, by contrast, can be used to communicate payment instructions involving a wide range of currencies. This makes it particularly useful when the transaction itself needs to be denominated in USD, GBP, CHF, JPY, or another currency outside the scope of SEPA's euro payment schemes.\u003C/span>"},"type":"paragraph"},{"id":"29CDaaMNZ-","data":{"text":"\u003Cspan>The practical question is therefore not simply which currency the sender or benef

64iciary normally uses, but \u003C/span>\u003Cspan>which currency the payment itself is being made in\u003C/span>\u003Cspan>.\u003C/span>"},"type":"paragraph"},{"id":"o0MgTjGb5I","data":{"text":"\u003Cspan>When to Use SEPA\u003C/span>","level":2},"type":"header"},{"id":"NueiiLhsl6","data":{"text":"\u003Cspan>SEPA is generally the appropriate choice when sending euros to a financial institution that participates in the relevant SEPA scheme.\u003C/span>"},"type":"paragraph"},{"id":"kzWdNAFU25","data":{"text":"\u003Cspan>It can be especially useful for businesses making recurring payments such as:\u003C/span>"},"type":"paragraph"},{"id":"TpQMBwVfnp","data":{"meta":{},"items":[{"meta":{},"items":[],"content":"\u003Cspan>Supplier invoices within the SEPA area\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Payroll and contractor payments in euros\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Customer refunds\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Transfers between European corporate accounts\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>Recurring business expenses denominated in EUR\u003C/span>"}],"style":"unordered"},"type":"list"},{"id":"edVA_OWYJN","data":{"text":"\u003Cspan>For eligible transactions, the standardized framework can reduce operational complexity and make euro payments easier to manage at scale.\u003C/span>"},"type":"paragraph"},{"id":"9XVMv0eRGd","data":{"text":"\u003Cspan>Businesses that want to use SEPA services can\u003C/span>\u003Ca href=\"https://abfpay.com/en/business\">\u003Cspan> \u003C/span>\u003Cspan>open a business account\u003C/span>\u003C/a>\u003Cspan> with a provider offering the required SEPA payment capabilities.\u003C/span>"},"type":"paragraph"},{"id":"AEhtcBI8AB","data":{"text":"\u003Cspan>When Is SWIFT Non-Negotiable?\u003C/span>","level":2},"type":"header"},{"id":"qrxhxl4BfS","data":{"text":"\u003Cspan>SWIFT becomes the more appropriate route when the transaction falls outside the practical scope of SEPA, such as when:\u003C/span>"},"type":"paragraph"},{"id":"xuLpvKsHfL","data":{"meta":{},"items":[{"meta":{},"items":[],"content":"\u003Cspan>Funds are being sent to a destination outside the SEPA area.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>The payment needs to be made in USD, GBP, JPY, or another non-euro currency.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>The beneficiary's financial institution does not support the relevant SEPA scheme.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>The transaction requires a correspondent banking route.\u003C/span>"}],"style":"unordered"},"type":"list"},{"id":"eiNvrih68T","data":{"text":"\u003Cspan>One important clarification is that SWIFT itself does not make the underlying payment. It provides the messaging infrastructure through which financial institutions exchange payment instructions. The banks and other financial institutions involved are responsible for processing and settling the transaction.\u003C/span>"},"type":"paragraph"},{"id":"MCzh4MXXqX","data":{"text":"\u003Cspan>The main practical disadvantage of an international SWIFT route can be greater cost and uncertainty around the final amount received and delivery time. Businesses should therefore account for intermediary deductions, bank charges, FX conversion, and compliance-related delays when forecasting international payment costs.\u003C/span>"},"type":"paragraph"},{"id":"jhxbBk94YD","data":{"text":"\u003Cspan>So, What Should Your Business Choose?\u003C/span>","level":2},"type":"header"},{"id":"1e4MHFZh-n","data":{"text":"\u003Cspan>Choosing between \u003C/span>\u003Cspan>SEPA vs SWIFT transfer\u003C/span>\u003Cspan> options depends on the transaction's destination, currency, participating financial institutions, and required payment route.\u003C/span>"},"type":"paragraph"},{"id":"f49DiiyMl0","data":{"meta":{},"items":[{"meta":{},"items":[],"content":"\u003Cspan>SEPA\u003C/span>\u003Cspan> is generally the better fit for eligible euro payments within the SEPA geographical scope, particularly where predictable processing and standardized payment rules are important.\u003C/span>"},{"meta":{},"items":[],"content":"\u003Cspan>SWIFT\u003C/span>\u003Cspan> is generally the more flexible option for international payments involving non-euro currencies, destinations outside the SEPA area, or correspondent banking relationships.\u003C/span>"}],"style":"unordered"},"type":"list"},{"id":"VAk-LD2HFW","data":{"text":"\u003Cspan>In a direct \u003C/span>\u003Cspan>SEPA vs SWIFT\u003C/span>\u003Cspan> comparison, the choice is therefore less about which network is universally better and more about which infrastru

64cture matches the transaction.\u003C/span>"},"type":"paragraph"},{"id":"KU2tCCIMUN","data":{"text":"\u003Cspan>Businesses seeking consolidated financial architecture can open a multi-currency corporate account with\u003C/span>\u003Ca href=\"https://abfpay.com/en\">\u003Cspan> \u003C/span>\u003Cspan>ABF Pay\u003C/span>\u003C/a>\u003Cspan> to optimize cross-border liquidity management.\u003C/span>"},"type":"paragraph"},{"id":"96FvQMP4H0","data":{"text":"\u003Cspan>Quick FAQ\u003C/span>","level":2},"type":"header"},{"id":"r_dChPDoMF","data":{"text":"\u003Cspan>Is SEPA really cheaper than SWIFT?\u003C/span>","level":3},"type":"header"},{"id":"g9Gfxl5VPh","data":{"text":"\u003Cspan>For eligible euro payments, SEPA will often have a simpler and more predictable cost structure than a correspondent banking payment sent through SWIFT. However, the exact cost depends on the financial institutions, account terms, payment route, and any currency conversion involved.\u003C/span>"},"type":"paragraph"},{"id":"feNEB2exME","data":{"text":"\u003Cspan>Can I use SEPA for non-EU countries?\u003C/span>","level":3},"type":"header"},{"id":"jsfWlHp2KP","data":{"text":"\u003Cspan>Yes. SEPA's geographical scope includes several countries and territories outside the European Union. However, the relevant financial institutions must participate in the applicable SEPA scheme, and the payment must satisfy the scheme's requirements.\u003C/span>"},"type":"paragraph"}

64,{"id":"1RMsc0FbXb","data":{"text":"\u003Cspan>Does SWIFT do instant payments?\u003C/span>","level":3},"type":"header"},{"id":"tsAbT1EqUU","data":{"text":"\u003Cspan>SWIFT can transmit payment messages rapidly, but it does not itself settle the underlying transaction. The time required for funds to become available depends on the banks, intermediary institutions, local payment systems, currencies, compliance checks, and other factors involved in the payment route.\u003C/span>"},"type":"paragraph"},{"id":"ZaEOcgLpdm","data":{"text":"\u003Cspan>What currencies does SEPA accept?\u003C/span>","level":3},"type":"header"},{"id":"AvCEGi1Vz7","data":{"text":"\u003Cspan>SEPA payment schemes are designed for euro transactions. Payments in currencies such as USD, GBP, CHF, or JPY generally require another payment route, such as a domestic clearing system or an international route supported by SWIFT.\u003C/span>"},"type":"paragraph"},{"id":"kpuJ8mLLSQ","data":{"text":"\u003Cspan>Can I switch a payment from SWIFT to SEPA at the last minute?\u003C/span>","level":3},"type":"header"},{"id":"PH8cz83Vgz","data":{"text":"\u003Cspan>Only if the transaction meets the applicable SEPA requirements. This generally means the payment must be an eligible euro transaction and the relevant financial institutions must support the required SEPA scheme.\u003C/span>"},"type":"paragraph"},{"id":"s_UiHyeq2W","data":{"text":"\u003Cspan>If those conditions are not met, the payment must continue through an appropriate alternative route, which may include a SWIFT-based correspondent banking payment.\u003C/span>"},"type":"paragraph"}],"version":"2.31.6"},"metaDescription":"Compare SEPA and SWIFT transfers - speed, cost, coverage, and which to use for your payment. Clear breakdown with examples.","metaTitle":"SEPA vs SWIFT: Key Differences Explained"}]}],"total":16,"page":1,"limit":3,"totalPages":6},"h":{},"s":200,"st":"OK","u":"https://api.site.abfpay.com/api/public/articles?language=en&page=1&limit=3","rt":"json"},"__nghData__":[{},{"t":{"9":"t5","13":"t6","15":"t8","16":"t9"},"c":{"9":[{"i":"t5","r":1,"x":3}],"13":[{"i":"t6","r":1,"t":{"2":"t7"},"c":{"2":[{"i":"t7","r":1}]}},{"i":"t6","r":1,"t":{"2":"t7"},"c":{"2":[]},"x":2}],"15":[{"i":"t8","r":1}],"16":[]}},{"t":{"9":"t13","13":"t16","15":"t18","16":"t19"},"c":{"9":[{"i":"t13","r":1,"t":{"9":"t14","21":"t15"},"c":{"9":[],"21":[]}},{"i":"t13","r":1,"t":{"9":"t14","21":"t15"},"c":{"9":[{"i":"t14","r":1}],"21":[{"i":"t15","r":1}]},"x":2}],"13":[{"i":"t16","r":1,"t":{"2":"t17"},"c":{"2":[{"i":"t17","r":1}]}},{"i":"t16","r":1,"t":{"2":"t17"},"c":{"2":[]},"x":2}],"15":[{"i":"t18","r":1}],"16":[]}},{"t":{"7":"t23"},"c":{"7":[{"i":"t23","r":1,"t":{"3":"t24","5":"t25"},"c":{"3":[{"i":"t24","r":1,"x":8}],"5":[{"i":"t25","r":1,"x":8}]},"x":4}]}},{"t":{"2":"t27","3":"t28"},"c":{"2":[],"3":[{"i":"t28","r":1,"t":{"2":"t29","3":"t30","18":"t31"},"c":{"2":[{"i":"t29","r":1}],"3":[],"18":[{"i":"t31","r":1,"x":58}]}}]}},{"t":{"2":"t34"},"c":{"2":[]}},{"c":{"0":[]}},{"t":{"3":"t41"},"c":{"3":[{"i":"t41","r":1,"n":{"7":"6fn"},"t":{"7":"t42","11":"t43"},"c":{"7":[],"11":[{"i":"t43","r":2,"t":{"0":"t44"},"c":{"0":[{"i":"t44","r":1}]}}]},"x":5},{"i":"t41","r":1,"n":{"7":"6fn"},"t":{"7":"t42","11":"t43"},"c":{"7":[],"11":[{"i":"t43","r":2,"t":{"0":"t44"},"c":{"0":[{"i":"t44","r":1}]},"x":2}]}}]}},{"t":{"12":"t48","13":"t49","15":"t50","16":"t51"},"c":{"12":[],"13":[{"i":"t49","r":1}],"15":[],"16":[{"i":"t51","r":1}]}},{"t":{"34":"t2","35":"t3","36":"t4","40":"t10","41":"t11","42":"t12","46":"t20","47":"t21","48":"t22","57":"t26","58":"t32","61":"t33","62":"t35","63":"t36","64":"t37","99":"t38","100":"t39","101":"t40","111":"t45","112":"t46","113":"t47"},"c":{"34":[],"35":[],"36":[{"i":"t2","r":1,"di":"d0","s":2}],"40":[],"41":[],"42":[{"i":"t10","r":1,"di":"d1","s":2}],"46":[],"47":[],"48":[{"i":"t20","r":1,"di":"d2","s":2}],"57":[{"i":"t26","r":1}],"58":[],"61":[{"i":"t33","r":1}],"62":[],"63":[{"i":"t36","r":1}],"64":[],"99":[],"100":[],"101":[{"i":"t38","r":1,"di":"d3","s":2}],"111":[],"112":[],"113":[{"i":"t45","r":1,"di":"d4","s":2}]}},{"t":{"6":"t52"},"c":{"6":[{"i":"t52","r":1}]}},{"t":{"99":"t0","100":"t1"},"c":{"99":[],"100":[{"i":"t1","r":2}],"102":[{"i":"c2500796365","r":1}]}}],"__nghDeferData__":{"d0":{"r":1,"s":2,"t":[2]},"d1":{"r":1,"s":2,"t":[2]},"d2":{"r":1,"s":2,"t":[2]},"d3":{"r":1,"s":2,"t":[2]},"d4":{"r":1,"s":2,"t":[2]}}}</script>

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