Top 10 Alternatives to MuralPay

In this article, we will explore various alternatives to MuralPay, a platform known for its instant global payments and invoicing services. MuralPay offers a range of features including contractor payments, bill pay, virtual accounts, currency conversion, and accounting integration, all designed to eliminate delays and fees while ensuring secure transactions.

Reviews

Users have shared a mix of positive and negative feedback about MuralPay. Many appreciate the platform's ability to facilitate instant global payments and its user-friendly interface. The support for multiple currencies and countries is also frequently highlighted as a significant advantage. However, some users have expressed frustration with occasional delays in transaction processing and the complexity of the initial setup. While the security features are generally praised, a few users have found the compliance requirements cumbersome. Overall, the sentiment is that MuralPay is a robust tool for international financial operations, but it has areas that could be improved.

• "MuralPay has made our international transactions seamless and quick. The support for multiple currencies is a game-changer." - Jordan Barry
• "The initial setup was a bit complex, and we faced some delays in processing payments, which was frustrating." - Lisa Fernandez

For more detailed reviews, visit the Mural Pay Reviews page.

Best alternatives to MuralPay

1. OneSafe

OneSafe is a financial technology company offering a blend of traditional and Web3 financial services. It provides comprehensive account services tailored for companies that operate both in fiat and cryptocurrencies.

• Features: Simple onboarding, global payments, corporate cards, multi-currency support, global accounts, seamless payments, state-of-the-art security, efficient currency conversion.
• Pricing: Account opening is free, no minimum balance, no monthly fees, corporate cards and invoices included, 0.1% fee for US domestic payments, 0.2% fee for SEPA payments, 0.2% fee + $25 for international wires, $20 for Fedwire, 1% FX fee on corporate cards, 0.1% fee for USDT transactions, fiat to crypto conversion included.
• Testimonials: Users praise OneSafe for its exceptional customer support and seamless financial operations. Many highlight its efficiency in managing payroll and expenses, making it an essential tool for Web3 companies. For more details, visit the OneSafe page.

2. Kontist

Kontist offers a business banking solution designed for self-employed individuals in Germany. It combines a business bank account with automated bookkeeping and business tax returns, all managed through a single app. The service aims to simplify financial management, allowing users to focus on their business.

• Unique Features: Integrated app combining banking, bookkeeping, and tax returns, automatic tax calculation, AI-supported bookkeeping, real-time financial insights, mobile & web banking, Visa Business Debit Card, compatibility with tax advisers, invoicing tool.
• Pricing:
  • Free Plan: €0/month plus VAT, free virtual Visa Debit card, mobile & web banking app, 10 free transactions per month, create 2 invoices per month.
  • Premium Plan: €9/month plus VAT, all features from the Free plan, free virtual and physical Visa Debit card, automatic calculation of income tax & VAT, MT940 Datev export, unlimited number of invoices per month, integration with external bookkeeping tools.
  • Bookkeeping Plan: €29/month plus VAT, all features from the Premium plan, unlimited free transactions, advance VAT return, business evaluation, manually add external transactions, unlimited categorization of transactions with AI, business assets handling.
• Testimonials: Users generally appreciate Kontist for its comprehensive service and ease of use. One user mentioned, "Such a great product. Life-changing for solo entrepreneurs and freelancers." However, another user noted, "The tax service is extremely overpriced and totally not recommended!" For more detailed reviews, visit the Kontist Reviews page.

3. Soldo

Soldo is a spend management platform that provides tools to simplify and streamline business spending. It offers physical and virtual Mastercards, a management platform, a mobile app for tracking expenses, and integrations with financial systems. Soldo aims to boost business agility and empower employees to spend responsibly while providing finance teams with control and visibility over company spending.

• Unique Features: Pre-programmable customizable cards, powerful expense management platform, real-time insights, integrations with accounting software, enterprise-level security, economic impact.
• Pricing:
  • Enterprise Plan: Customizable solution for large organizations. Pricing available upon request.
  • Plus Plan: €33 per month (excluding 20% VAT), includes 3 users, 30 cards, advanced integrations, and a 30-day free trial.
  • Standard Plan: €21 per month (excluding 20% VAT), includes 3 users, 20 cards, standard reporting, and a 30-day free trial.
  • Additional Fees: Physical cards: €5 issuance fee per card, virtual cards: €1 issuance fee per card, temporary virtual cards: €0.50 issuance fee per card, additional users: €7 per Standard user per month or €11 per Plus user per month, outbound bank transfers: €0.75 per transaction, FX and ATM fees: 1% with a minimum of €2.
• Testimonials: Users generally appreciate Soldo for its helpful customer service and effective spend management tools. One user mentioned, "The most important thing for me is that if I am unsure of anything or having a senior moment the online advisors are always so helpful and explain things in a clear and easy to understand way." However, another user noted, "Our account was frozen and closed without any reasons. I believe Soldo has certain problems with the UK regulator right now." For more detailed reviews, visit the Soldo Reviews page.

4. VIALET

VIALET offers a Business Account that simplifies money management for businesses. The account can be applied for online and set up within 3 business days. It is designed to cater to businesses of all sizes, providing seamless banking and payment solutions, budget control, comprehensive transaction management, and enhanced reporting features.

• Unique Features: Online onboarding without branch visits or physical documents, remote ID verification and electronic signing, access to payment, money transfer, and account services across Europe, set and adjust monthly and annual spending limits, unified view and management of transaction history, expenses, transfers, and invoices, detailed transaction history and downloadable statements for accounting and invoicing, fast and easy account opening process, PSD2 compliant security standards, dedicated account managers, customizable services for startups and global businesses.
• Pricing: VIALET offers transparent pricing, ensuring clear costs to free up resources for business success. Specific pricing details or fee structures are not provided on the main page. For detailed pricing information, users may need to sign up or contact VIALET directly.
• Testimonials: Users generally appreciate VIALET for its professional and efficient service. One user mentioned, "Vialet is everything that it should be. They are professional, kind, and fast. Everyone there is so welcoming and they really make you feel like an important person." However, another user noted, "The ultimate scam. Should have received 3 wire transfers they never arrived, the days that I should have received the money the account was unavailable the day after was back working normally but with no money inside..stay away from them they will scam you." For more detailed reviews, visit the VIALET Reviews page.

5. Revolut

Revolut Business offers a comprehensive business account that includes global payments, multi-currency accounts, and tools for smarter spending. It aims to help businesses manage their finances more efficiently and scale their operations with ease.

• Unique Features: Global payments to over 150 destinations, manage money in multiple currencies, exchange 25+ currencies at the interbank rate, grow money with daily returns, automate spending and set approvals, sync with accounting software, access to 45+ million Revolut customers, manage currency risk with forward contracts, control all business entities from one app.
• Pricing:
  • Basic Plan: £0/month, includes local & global account details, send/receive/exchange 25+ currencies, unlimited team members, physical & virtual cards, accept online & in-person payments.
  • Grow Plan: £19/month, includes everything in Basic plus exchange up to £10,000 monthly at the interbank rate, no-fee transfer allowance, earn interest with Savings, spend controls & approvals, bulk payments.
  • Scale Plan: £79/month, includes everything in Grow plus exchange up to £50,000 monthly at the interbank rate, 5x more no-fee global transfers, 10x more no-fee local transfers, higher interest on Savings.
  • Enterprise Plan: Custom pricing, includes custom allowances for transfers and currency exchange, highest savings interest rate at 3.51%, specialized account management.
• Testimonials: Users generally appreciate Revolut for its convenience and efficiency. One user mentioned, "Revolut has made my life so much easier as I had a very bad experience with my previous bank in getting my account sorted, but my Revolut account was set up within minutes. Very convenient and efficient. Love it." However, another user noted, "Bad service, bad communication. I ordered a card terminal reader to take payment. This has been delivered to an unknown place by Royal Mail in a few days. According to Revolut, this is my problem and they can't help." For more detailed reviews, visit the Revolut Reviews page.

6. Wise

Wise offers an international account that allows users to send, receive, and manage money globally with minimal fees and maximum ease. It provides multi-currency accounts, international money transfers, and debit cards, all with transparent pricing and robust security measures.

• Unique Features: Multi-currency account used by 16 million people, save up to 5x on international transfers with no hidden fees, transparent and guaranteed exchange rates, services available in over 40+ currencies and nearly every country, Wise card for spending and withdrawing cash without foreign transaction fees, earn a variable rate return on balances, manage international business transactions in multiple currencies, regulated by the FCA with dedicated fraud and security teams, and 2-factor authentication.
• Pricing: Registering with Wise is free. Sending money incurs a fee starting from 0.29%, holding money in 40+ currencies is free, receiving local payments in specific currencies is free, receiving USD wire and Swift payments costs $6.11 USD per payment, and receiving CAD Swift payments costs 10 CAD per payment. Receiving Swift payments in 21 currencies is free, though correspondent banks might charge fees.
• Testimonials: Users generally appreciate Wise for its ease of use and cost-effectiveness. One user mentioned, "You can set up and receive multiple currencies. I could use it as my card/debit card abroad. Easy for me to convert the USD funds I have to the currencies of the country I'm vacationing." However, another user noted, "Customer Support is the worst among all the products that I used, they're just incompetent. I used Wise for the past 3 years as Personal and Business Account." For more detailed reviews, visit the Wise Business Reviews page.

7. Blank

Blank is an online banking service designed for independent professionals and small businesses in France. It offers a range of features including an online professional account, Visa Business card, invoicing, encashment options, and professional insurance.

• Unique Features: Open a professional account in 5 minutes, Visa Business card with high spending limits, automated Urssaf declarations, comprehensive customer support available 7 days a week, 3D Secure for enhanced transaction protection, deposit guarantees up to €100,000, customized insurance solutions, access to various partner offers.
• Pricing: The pricing details are not explicitly listed on the main contact page. However, users can discover the pricing offers through multiple links provided on the page, including "Nos tarifs" and "Tarifs" sections.
• Testimonials: Users generally appreciate Blank for its simplicity and efficiency. One user mentioned, "I am using the app since 3 months, and it is amazing app… all the works done with it ✅." However, another user noted, "Ces une banque de voleur attention il bloque les virements entant pendant plus de un mois ou les refuse attention." For more detailed reviews, visit the Blank Reviews page.

8. Finom

Finom offers a business account with features like cashback, invoicing, and accounting tools. It is designed for SMEs, freelancers, and companies under registration, providing a German IBAN in 24 hours, international payments, up to 3% cashback, and personal assistance within 1 minute.

• Unique Features: German IBAN available within 24 hours, international payment capabilities, up to 3% cashback on all expenses, personal assistance available within 1 minute, tailored benefits for freelancers, businesses with employees, and companies under registration, simple invoicing service that helps clients get paid 20% faster, safe access for employees and accountants, reconciliation, money collection tools, and accounting software integrations.
• Pricing: Finom offers two main plans: the Corporate Plan starting from €149 per month (paid monthly) or €119 per month (paid annually), and the Enterprise Plan starting from €339 per month (paid monthly) or €249 per month (paid annually). Additional fees apply for extra team members, recognized documents, physical and virtual VISA card issuance, ATM withdrawals, SEPA transfers, and international payments.
• Testimonials: Users generally appreciate Finom for its customer-friendly service and efficient support. One user mentioned, "Finally, a truly helpful support team! Every time I have a question, Mees is there to assist and always provides a satisfying answer. Great service!" However, another user noted, "Crap company, asked to send a few documents, I did try everything then closed bank account, thanks ok coz I got another one with Revolut, and also they have roved me 18 euros. Never again with Finom, and I will tell everyone I know about Finom being crap." For more detailed reviews, visit the Finom Reviews page.

9. Airwallex

Airwallex is a global payments and financial platform trusted by over 100,000 companies. It offers software and APIs to simplify global payments and financial operations, enabling businesses to unlock new opportunities and grow without limits.

• Unique Features: Business accounts to collect, manage, and move money globally, tools to control and track business expenses, online payment acceptance, APIs to build and monetize global financial products, flexible APIs for complex financial needs, local payments network for faster and cost-effective transactions, adherence to international security standards, award-winning customer service, cloud-native infrastructure.
• Pricing: Airwallex offers several pricing plans:
  • Explore Plan: $0 or $29 per month, with conditions for free usage.
  • Grow Plan: $99 per month, includes additional features like international batch transfers and expense management.
  • Accelerate Plan: $499 per month, offers centralized management of finances across global entities and dedicated account support.
  • Custom Plan: Custom pricing for high-volume businesses with tailored API implementations.
  Additional fees include FX & transfers at 0.5% above interbank rates for major currencies, SWIFT transfers costing $10-30 per transfer, and payment processing fees for domestic and international cards.
• Testimonials: Users generally appreciate Airwallex for its efficiency and cost savings. One user mentioned, "Since switching to Airwallex, everything has become so much smoother. The platform is intuitive, and setting up accounts in multiple currencies was surprisingly easy." However, another user noted, "They suddenly started to refuse money transfer for no reason. They won't tell me why or how to solve the situation." For more detailed reviews, visit the Airwallex Reviews page.

10. Hype

HYPE Business is an online business account tailored for sole proprietorships and freelancers with a VAT number. It offers a range of features including a free IBAN account, World Elite Mastercard, simplified tax management, free SEPA and instant transfers, global payment and withdrawal capabilities, and comprehensive business management tools. The account aims to simplify financial operations and provide valuable tools for business growth and management.

• Unique Features: Free ordinary and instant transfers, free F24 payments, free World Elite Mastercard, Tax Manager for estimating and setting aside taxes, Radar for expense tracking, free global payments and withdrawals, 7/7 customer support via WhatsApp, email, and chat, insurance packages, zero monthly fee offer for spending a minimum amount, multi-platform access via app and computer.
• Pricing: Monthly cost: €2.90, annual fee: €34.80, activation fee: €0, cash recharge at authorized points: €2.00, white bulletin payment: €1.99, pre-marked bulletin payment: €1.99, RAV payment: €1.00, pagoPA payment: €1.00, CBILL payment: €1.00, exchange rate surcharge: 1.5%, instant SEPA transfers (after 10 free per month): €2 each.
• Testimonials: Users generally appreciate HYPE for its ease of use and range of services. One user mentioned, "Easy and intuitive to use, a lot of services available." However, another user noted, "I received my first transfer to my Hype account and only then found out that my account had been blocked. It is not clear from mobile banking, and I did not even receive an email from Hype that my bank account is blocked. Now my money is blocked in my Hype account and I do not know how long I have to wait until it is returned to me. Worst experience." For more detailed reviews, visit the HYPE Reviews page.

Which one should you go with?

In conclusion, while each of these platforms offers unique features and benefits tailored to different business needs, OneSafe stands out for its exceptional customer support, seamless financial operations, and comprehensive services that cater to both fiat and cryptocurrency transactions. Whether you're a freelancer, a small business, or a large enterprise, OneSafe provides a robust and efficient solution for managing your financial operations. If you're looking for a reliable alternative to MuralPay, OneSafe is a highly recommended choice that combines traditional and Web3 financial services to meet your diverse needs.