While MuralPay provides a platform for global payments, factors like its cost for large teams and occasional transaction delays have prompted some users to look for other options. This guide will explain what MuralPay is, detail the reasons you might consider an alternative, and explore other solutions available depending on your business needs.
What is MuralPay?
MuralPay is a financial technology company focused on making international transactions fast and secure for businesses, particularly those in the Americas. Its modern platform offers features like instant global payments, multi-currency invoicing, virtual accounts, and built-in compliance tools, all powered by stablecoins.
The company's mission is to redefine the financial internet by tackling challenges from outdated infrastructure and the world's unbanked population. To achieve this, MuralPay provides a modern API for pay-ins, payouts, and invoicing to help global businesses operate efficiently.
What to Consider When Selecting a MuralPay Alternative?
When searching for a MuralPay alternative, it's important to evaluate several key aspects of each platform to find the best fit for your business needs:
- Pricing Structure:Evaluate the platform's fee model, including transaction costs, monthly subscriptions, and any hidden charges, to ensure it aligns with your budget.
- Web3 and Crypto Functionality:Determine if the platform supports digital assets, such as stablecoin conversions or transactions with crypto entities, if that's relevant to your operations.
- International Transaction Capabilities:Assess the platform’s reach for global payments, including supported currencies, transfer methods like SWIFT or SEPA, and associated exchange rates.
- Business Management Tools:Look for built-in features like payroll processing, expense management, and integrations with accounting software that can streamline your financial workflows.
- Customer Support and Reliability:Investigate user reviews and the provider's reputation for customer service responsiveness and platform stability to avoid potential disruptions.
If any of these considerations resonate with your company's priorities, explore our detailed breakdown of the top alternatives in the next section.
10 Best Alternatives to MuralPay
1. OneSafe
OneSafe is a finance platform designed to modernize banking for businesses, particularly those operating in the Web3 and crypto sectors. We provide the essential tools for effortless fund management, quick payments, and access to both traditional and digital assets.
Our platform enables direct 1:1 conversion from USD to USDC on Polygon, which simplifies global payroll and expense management. We also provide straightforward onboarding, rapid account setup, and responsive customer support tailored for businesses in the digital asset space.
Pricing
Here's our pricing at a glance:
- Free Account Essentials: We provide complimentary account opening, maintenance, and card issuance, with no monthly fees or minimum balance needed.
- Low-Cost Domestic Payments: Move funds within the US via ACH and standard wires for just 0.1% per transaction, or a flat $25 for Fedwire.
- Affordable Global Transactions: Handle international payments efficiently with 0.2% for SEPA payments and 0.2% plus a $50 SWIFT fee for international wires.
- Transparent Crypto Fees: Benefit from a low 0.1% fee on USDT transactions and direct fiat-to-crypto conversions at market rates with no hidden charges.
- 3% Corporate Card FX: A 3% foreign exchange fee applies to all non-USD spending on your corporate card.
Reviews
Clients consistently praise our responsive customer support and our platform's ability to simplify complex financial operations for modern businesses.
- Amit Chu, Investments @ Celo Foundation: “OneSafe has the best customer support I've ever experienced from a bank.”
- Marco, CEO of Ensuro: “OneSafe is a game-changer. They solve so many headaches for our company. Finally a banking solution that gets it.”
Want to learn more? Check us out here.
2. Kontist
Kontist is a German financial service provider that offers business banking solutions specifically for freelancers and self-employed individuals. Its services are structured to meet the financial management requirements of this professional group.
The platform provides automatic tax estimation, calculates taxes in real-time, and enables users to set aside funds for tax payments. These functions are integrated into its business accounts to aid with financial organization.
Pricing
Here's their pricing at a glance:
- Free Business Account: Includes a German IBAN, a physical Visa debit card, and real-time tax estimation.
- €11 per month plus VAT Start Plan: Adds subaccounts and includes 30 SEPA transfers.
- €25 per month plus VAT Plus Plan: Includes features for VAT return and business evaluation.
Reviews
User feedback indicates concerns regarding high fees, limited free transactions, and the responsiveness of customer support. Check out more Kontist reviews here.
3. Soldo
Soldo is a spend management solution that provides businesses with tools to control and streamline their expenses. The platform combines an application with various payment methods to help organizations manage decentralized spending.
It offers real-time monitoring of multi-currency expenses, customizable user roles, and integration with accounting software like Xero. This allows employees to make necessary purchases while the company maintains financial oversight, potentially reducing administrative work.
Pricing
Soldo offers a tiered pricing structure based on different business requirements, but specific pricing details are not made public. The company provides a free trial, and interested businesses are advised to contact Soldo directly for detailed pricing information.
Reviews
User feedback points to several reported issues, including login problems, slow statement delivery, and challenges with the account closure process. Opinions on customer service are mixed, with some users noting varied response times and quality of support. Check out more Soldo reviews here.
4. VIALET
VIALET is a Lithuanian Electronic Money Institution (EMI) founded in 2017 that provides digital banking services for small and medium-sized enterprises (SMEs). The company offers dedicated International Bank Account Numbers (IBANs) for SEPA, SEPA Instant, and SWIFT transactions, along with corporate card processing solutions.
The platform supports C2B, B2B, and B2C payment methods and provides banking APIs, mass payouts, and third-party integrations for global SMEs. Additionally, VIALET facilitates payments to and from cryptocurrency processors and offers accounts for EU-licensed crypto exchanges.
Pricing
VIALET does not publicly list its pricing details. To receive an initial price list, businesses must complete an application, and final fees may be adjusted based on the specific information provided.
Reviews
User reviews point to difficulties with account opening, citing excessive information requests and prolonged response times, alongside reports of unprofessional behavior and poor customer service. Check out more VIALET reviews here.
5. Revolut
Revolut is a British financial technology company founded in 2015 that provides a range of banking services. These offerings include current accounts, debit and credit cards, stock and cryptocurrency trading, and peer-to-peer payments.
The platform facilitates the management and exchange of over 25 currencies at the interbank rate and supports global money transfers. It also provides tools for team expense management through physical and virtual cards, along with integrations for accounting software like Xero and Sage.
Pricing
Here's their pricing at a glance:
- From £10 per month Basic Plan: Provides features for running a business.
- From £30 per month Grow Plan: Offers tools to manage spending and operations.
- From £90 per month Scale Plan: Designed for businesses with higher transaction volumes.
- Custom Pricing Enterprise Plan: Tailored to specific business requirements.
Reviews
User reviews mention the platform's interface and payment capabilities, while also noting issues with customer support and account verification. Check out more Revolut reviews here.
6. Wise
Wise, formerly known as TransferWise, is a UK-based financial technology company established in 2011. It specializes in international money transfers by utilizing the mid-market exchange rate.
The platform offers a multi-currency account that allows users to hold and manage funds in over 40 currencies, complemented by a debit card for global spending. Wise operates on a pay-as-you-go model without monthly fees, and the cost for sending money varies depending on the currency.
Pricing
Here's their pricing at a glance:
- From 0.57% Sending Fee: The cost for sending money varies by currency.
- Variable Receiving Fees: Domestic payments in some currencies are free, while international wires have fixed fees.
- $9 One-Time Card Fee: A single charge applies for the Wise Multi-Currency Card.
- $31 One-Time Business Setup Fee: A single charge for businesses to receive account details.
- Variable ATM Fees: Withdrawals over $100 per month incur additional charges.
Reviews
User feedback points to issues such as account freezes, payment processing problems, and unresponsive customer support. Check out more Wise reviews here.
7. Blank
Blank is a French company that provides online professional accounts designed for freelancers and small businesses. Its services include a French IBAN, a Visa Business card, and tools for accounting and invoice management.
The platform offers automated Urssaf declarations and simplified accounting to help manage administrative tasks. Additionally, Blank provides professional insurance solutions and various partner offers to support different business requirements.
Pricing
Here's their pricing at a glance:
- €6 excluding tax per month Simple Plan: Includes 30 SEPA transfers, tools for quotes and invoices, automated Urssaf declarations, and expense tracking.
- €17 excluding tax per month Confort Plan: Contains all Simple plan features, plus phone support 5 days a week, 30 additional SEPA transfers, increased card limits, and income maintenance insurance.
- €39 excluding tax per month Complète Plan: Offers all Confort plan features, along with unlimited SEPA transfers, email and phone support 6 days a week, and higher card limits.
Reviews
User reviews are mixed; some describe the platform as simple to use, while others report issues with account closures and difficulties accessing funds. Check out more Blank reviews here.
8. Finom
Finom is a European financial technology company established in 2019, offering digital banking and financial management services for SMEs and freelancers. The platform provides online accounts with local IBANs, invoicing, accounting integrations, and expense management.
It issues free physical and unlimited virtual debit cards, provides up to 3% cashback on business purchases, and supports multiple currencies for international payments. The company aims to streamline financial operations through its user interface and customer support.
Pricing
Here's their pricing at a glance:
- Free Solo Plan: Includes one user, a personal IBAN, free physical VISA cards, and basic invoicing features.
- €9 per month Start Plan: Includes two users, a personal IBAN, free physical VISA cards, and advanced invoicing features.
- €28 per month Premium Plan: Offers five users, a personal IBAN, free physical VISA cards, and invoicing and accounting integrations.
- €149 per month Corporate Plan: Provides ten users, a personal IBAN, free physical VISA cards, and advanced invoicing and accounting features.
- €339 per month Enterprise Plan: Includes fifteen users, a personal IBAN, free physical VISA cards, and all features available in the Corporate Plan.
Reviews
User feedback often mentions the platform's interface, invoicing system, and customer support. Some users have reported issues related to fees, account management, and transaction processing. Check out more Finom reviews here.
9. Airwallex
Airwallex is a financial technology company founded in 2015 that offers a suite of services including cross-border payments, multi-currency business accounts, and expense management. The platform also provides corporate cards to facilitate business spending.
It enables businesses to hold funds in over 20 currencies and provides foreign exchange rates at 0.5% to 1% above the interbank rate. Additionally, Airwallex supports free local transfers to over 120 countries and offers integration with accounting platforms like Xero and QuickBooks.
Pricing
Here's their pricing at a glance:
- Free Explore Plan: Free for users who deposit at least $5,000 per month or maintain a $10,000 minimum balance; includes multiple business accounts, free transfers, and access to interbank FX rates.
- $99 per month Grow Plan: Includes all features of the Explore Plan, plus international batch transfers, expense management, and bill pay services.
- $499 per month Accelerate Plan: Includes all features of the Grow Plan, plus centralized management of finances across global entities and single sign-on capabilities.
- Custom Plan: Pricing is tailored for high-volume businesses or those needing custom API implementations.
Reviews
User feedback points to challenges with customer support, including delayed responses and account suspensions without clear explanations. Some have also reported difficulties with the Know Your Customer (KYC) process and limited support options. Check out more Airwallex reviews here.
10. Hype
Hype is an Italian fintech company established in 2015, offering digital banking services for individuals and businesses. The company's services are centered around a mobile app intended to assist with financial management.
The platform provides tools for budgeting, setting savings goals, and making instant payments, with real-time notifications for account activity. Its business-focused plan includes a World Elite Mastercard, free SEPA transfers, and features for monitoring expenses.
Pricing
The HYPE Business plan has a monthly fee of €2.90. This fee includes a World Elite Mastercard, free SEPA transfers, and expense monitoring tools; for additional pricing information, businesses are advised to contact HYPE directly.
Reviews
User feedback often mentions the responsiveness of customer support, the presence of ads within the app, and issues with account management. Check out more Hype reviews here.
Which One Should You Go With?
Choosing the right MuralPay alternative depends on your unique business needs, and any of the platforms listed can be a great fit. If you're looking for a modern solution that understands the demands of digital assets, we recommend giving OneSafe a look. Sign up for OneSafe today to see how we can simplify your financial operations.
