FAQ
What is Zimpler?
We are not an app, a bank, a credit card or a wallet. We are an A2A (account-to-account) payment solution that seamlessly integrates into your existing systems. It gives you the capability for instant transactions – between people and businesses across the world.
What is A2A (account-to-account)?
The short version: A2A (account-to-account) is a method for instantly transferring funds from one bank account to another. It’s also known as instant payments or direct bank transfers.
For a little more context: A2A is a fundamental part of open banking, a framework that allows secure sharing of your financial data with authorized third parties, such as Zimpler. These transactions happen through specialized networks called payment rails, removing the need for intermediaries or physical things like cards. Zimpler can initiate A2A payments on your behalf using open banking APIs (application programming interfaces), making them one of the safest, quickest and most convenient ways to send and receive payments.
Are your payments instant?
Oh yes. If you opt for our instant payments, they are settled in the intended account immediately. Depending on your business setup – we offer standard payments, too. They take up to 24–48 hours to settle.
Are you a licensed payment provider?
Yes, we are fully licensed and supervised by Finansinspektionen (the Swedish Financial Supervisory Authority).
What markets do you cover?
We’re live with payouts, deposits and full KYC in:
- Brazil
- Denmark
- Estonia
- Finland
- Sweden
We also offer payouts to :
- Austria
- Belgium
- Croatia
- Cyprus
- France
- Germany
- Greece
- Ireland
- Italy
- Latvia
- Lithuania
- Luxembourg
- Malta
- Netherlands
- Norway
- Portugal
- Slovakia
- Slovenia
- Spain
What is your conversion rate?
Our conversion rate is up to 98%, depending on the country. And with conversion rate, we mean the number of people starting our payment flow who actually complete it.
What is your pricing?
We have a standardized pricing model that takes your business size and transaction volume into account. You can always count on us for transparency when it comes to pricing. For more detailed information, reach out and let’s talk!
What platform integrations do you have?
You can choose to integrate Zimpler’s solutions through a variety of partners. Please visit our Platforms page for the complete (and continually updated) list of our current partner platforms.
How do you work with AML?
Glad you asked! Because to us, AML is so much more than tick-the-box compliance or meeting a legal minimum – it’s a core of our business. We want to be a positive force in everything we do and ensure that our services and partners are only used for legitimate purposes. How? We minimize the risk of anyone using our services for money laundering, terrorist financing or other financial crimes by implementing Europe’s best AML program within fintech.
We have a strong and experienced in-house AML team responsible for our thorough customer onboarding and transaction monitoring processes to ensure that we assess, manage and mitigate potential money laundering and terrorist financing risks following our risk appetite.
We are committed to conducting business with reputable customers and counterparties that uphold the same high ethical standards as us, and equally high standards for combatting financial crime and other illegal activities.
Latest from our blog.
- Read more: Future trends in crossborder payouts: What’s next for global transactions?
Discover how real-time payments are transforming cross-border payouts for a faster, more inclusive global economy.
- Read more: How open banking APIs are changing the payments industry.
Discover how open banking APIs drive innovation in payments, offering seamless, secure, and personalized financial experiences for consumers and businesses.