TaperPay stands for
Payments
Send and receive payments in 140+ countries at sharp rates and low costs.
IBAN accounts
Dedicated IBAN per currency. Receive payments directly in EUR, USD, GBP and more.
Currency
Exchange 30+ currencies at interbank rates. No hidden margins.
Hedging
Lock in your exchange rate up to 12 months ahead. Protect margins in international trade.
Our mission
We help internationally operating organisations simplify their financial processes through global fintech connections, delivering the personal banking service that SMEs deserve, with direct access to specialists and transparent pricing.
Martijn explains moreOur vision
To become the most trusted non-bank partner for international payments and FX for SMEs, combining speed, transparency, and personal service in a way traditional banks never could.
Joost explains more
FX spot
Execute currency exchanges at the current market rate with immediate settlement. Competitive rates that beat the major banks, with access to 30+ currencies across 140+ countries.
*Indicative rates only. Bank average based on historical data from several high street banks in The Netherlands and subject to market volatility. Payment and FX services are provided by regulated partners.
Simply paying in a different currency
A spot transaction is a currency exchange at today's market rate, settled on T, T+1, or T+2 (today, tomorrow, or the day after). No complex structure. Just a normal payment, but cheaper than your bank.
"A spot transaction sounds technical, but it simply means this: I want to pay now in a different currency. We do that cheaper and faster than any bank."
FX Forwards
Manage your currency risk effectively with our forward products
Fixed forward
Lock in an exchange rate for a specified future date, providing certainty and protection against currency fluctuations. Ideal for businesses with specific future currency requirements who want to minimise the risk of adverse movements.
Window forward
Greater flexibility with a range or "window" within which you can execute your currency exchange. Draw down on request from your contract while still benefiting from the possibility of regular spot transactions when rates are favourable.
Dynamic forward
Actively manage your currency exposure over time. Execute multiple tranches at different exchange rates, capitalise on favourable movements, and optimise your average exchange rate over the contract duration.
IBAN accounts
Multi-currency IBAN accounts in your company name. Send and receive funds across borders, operational within 2 weeks. Available for Dutch entities and foreign entities, within or outside the Dutch corporate structure.
The right account for your business
Through Taper you open a payment account in your company name, with a dedicated IBAN, in your currency. We don't operate our own account range, but analyse your structure and match you to the best-fitting provider.
"We don't just hand you an IBAN. We analyse your structure, find the right provider and make sure everything checks out on compliance. That is our added value."
Complex structure understanding
We understand that international business comes with complex corporate structures. Whether you operate across multiple jurisdictions or have intricate holding structures, our team has the expertise to navigate regulatory requirements and set up the right financial infrastructure for your needs.
We understand your structure
We work daily with holdings, PE funds, SPVs, and fund administrators across multiple jurisdictions. What banks struggle with is our norm. We know which payment institutions are willing to serve your structure.
"Most banks drop out the moment a structure gets complex. That is exactly where we start. We know the institutions that can handle this and make sure your payments just work."
Partner network
Through our extensive partner network, we connect you with the right banking and financial partners. We take into account compliance, risk appetite, and currency management to ensure the best possible experience.
Built on decades of experience in fintech, banking and finance
Taper is not just another fintech startup. Behind our platform stands a founders team with over 30 years of combined experience at leading institutions, from Rabobank to Deutsche Bank.
"After years at Rabobank and Deutsche Bank, I have seen how big the difference is between banking with and without personal contact. The HBU, which every Rotterdam entrepreneur still speaks highly of, was our inspiration. Taper was built to bring that feeling back."
Security & compliance
All client funds are held in segregated, ring-fenced accounts at Tier 1 credit institutions and cannot be assigned to Taper or to Taper's partners' estate in case of insolvency.
Click for details →SWIFT GPI
Track your international payments in real-time with SWIFT GPI, the track & trace of international banking. Full transparency and traceability for all SWIFT transfers.
Click for example →Client funds are not held by Taper, but at our regulated partners in segregated, ring-fenced accounts at Tier 1 credit institutions. Your funds are never commingled with operational accounts, a legal requirement under PSD2.
The SWIFT GPI Tracker follows every step via the Unique End-to-end Transaction Reference (UETR)