Running an e-commerce business today means operating in a fast-moving, competitive environment where customer expectations for speed, flexibility, and reliability are higher than ever. For businesses dealing with cross-border transactions, especially within the European Union, traditional banking systems are often a barrier rather than an enabler. Delays, hidden fees, compliance restrictions, and lack of crypto integration all contribute to a fragmented payment experience that can frustrate both merchants and customers.
At Monetum, we offer a streamlined and scalable alternative: a single financial hub where businesses can manage Euro IBAN accounts, send and receive SEPA transfers instantly, and integrate crypto operations within the same interface. Here’s how one growing cross-border e-commerce platform transformed its payment infrastructure and scaled its operations with Monetum.
The Challenge: Outdated Banking, Lost Revenue
The e-commerce platform operated across several European markets and served thousands of international customers. However, the business struggled with multiple pain points:
- Slow payment settlements in EUR delayed inventory restocking and supplier payments.
- Account restrictions due to the perceived “risk” of cross-border commerce.
- Lack of support for crypto payments, a growing demand from customers outside the EU.
- Poor visibility and control over cash flow, with multiple providers handling different parts of the payment stack.
These issues not only increased operational costs but also limited the company’s ability to grow and offer a seamless experience to its customers.
The Monetum Solution: One Platform, All Payments
Monetum replaced a fragmented system with an integrated, compliant solution. The company now enjoys:
- Dedicated Euro IBANs, allowing instant SEPA transfers and fast supplier payouts.
- Batch payment capabilities, enabling automated bulk payments to logistics providers, marketing agencies, and freelancers.
- Open Banking integration, allowing customers across Europe to pay directly from their bank accounts, avoiding card fees and chargebacks.
- Integrated crypto wallet services, so customers outside the SEPA zone can pay in USDT, BTC, or ETH, with real-time conversions to EUR.
With everything managed from a single dashboard and supported by personalized account management, the platform drastically reduced its payment complexity.
The Impact: Faster Growth, Greater Flexibility
- Reduction in transaction fees by up to 40%, thanks to predictable and competitive Monetum pricing.
- 30% faster supplier payments, improving supply chain efficiency.
- Enhanced user experience, with frictionless checkout options including open banking and crypto.
- Better financial control, with multi-user access, reporting tools, and transparent transaction tracking.
The company was also able to reinvest saved fees into marketing and customer acquisition, accelerating its growth trajectory.
Why It Matters
Cross-border e-commerce businesses are projected to grow to €1.2 trillion in sales by 2030, yet many still rely on legacy banking systems not built for international, digital-first commerce. In an ecosystem where seconds matter and flexibility is crucial, Monetum delivers the speed, transparency, and innovation modern businesses demand.
Whether you’re an emerging online brand or an established merchant expanding across Europe, Monetum gives you the tools to scale without being slowed down by outdated financial infrastructure.
At Monetum, we believe in open-minded, inclusive financial services. If your business has been underserved by traditional banks, let us show you a better way to manage payments, both in Euro and crypto. Discover how Monetum can power your growth today.
