NovoBill is industry-focused, not geo-focused. Each customer type below has the same underlying rails, configured for the workflow, risk profile, and reporting expectations of that vertical.
Subscription content platforms, premium communities, and creator marketplaces that pay out to thousands of performers or creators on weekly or monthly cycles. They need reliable cross-border settlement, split payouts, statement exports, and acceptance of higher-risk content categories with documented controls.
Examples: Patreon-style subscription platforms, Substack-style newsletter monetization, premium community platforms.
Subscription / creator marketplace
Thousands of recipients per cycle
Throughput: €100k–€500k/month
Currencies: CAD, EUR, USD, GBP, BRL
Affiliate networks collect revenue via EMI or PSP rails and redistribute earnings to publishers and influencers globally. They require high-volume payout runs, sub-account management, and multi-currency balances, with optional FX conversion before release.
Examples: CJ (Commission Junction), Awin, performance marketing aggregators.
Affiliate / influencer network
Thousands of publisher payouts per cycle
Multi-currency redistribution
SFTP/API intake
Online gaming operators in regulated jurisdictions need cross-border settlement, FX, and a payments provider that accepts the risk profile with documented controls — not a generic EMI that offboards them six months in. NovoBill underwrites case-by-case with enhanced due diligence and ongoing monitoring.
Important: Acceptance is conditional on jurisdictional licensing and case-by-case underwriting. Extreme-risk profiles remain excluded.
Licensed online gaming operator
Regulated EU / North American markets
Cross-border supplier payouts
Operating in multiple currencies
Digital content and subscription businesses with international subscriber bases need recurring inflow management, FX rebalancing, and payouts to content creators and contributors. NovoBill serves the categories mainstream banks and EMIs avoid — with compliance-first onboarding and tighter ongoing controls.
Digital content / subscription site
International subscriber base
Recurring contributor payouts
Throughput: €100k+/month
Businesses that occasionally buy or sell virtual currency for treasury or payouts through registered partners. They need coordinated fiat, FX, and crypto steps with address checks, limits, and full records for audit — not three disconnected counterparties to reconcile manually.
Examples: OpenSea, Magic Eden-style marketplaces; treasury operations for businesses with crypto exposure.
NFT marketplace, crypto-treasury merchant
Fiat-crypto on/off-ramp needs
Compliance-first counterparties
Audit-ready records required
Digital content studios, e-commerce brands, and SaaS firms paying freelancers, agencies, and vendors in multiple countries. They need invoice-based settlements, firm FX at instruction, and proof of credit for reconciliation. Minimum practical profile is roughly €50,000 in monthly volume.
Examples: Envato, Canva-style digital marketplaces; cross-border e-commerce brands; SaaS firms with global contractor bases.
Digital studio, SaaS, brand
Suppliers in 5+ countries
€50k+ monthly outflows
Reconciliation-heavy finance team
Merchants that accept customer payments through an EU EMI or PSP and settle into a master account for screening and onward distribution to operating accounts or beneficiaries. They value predictable timetables, compliance sign-off, and downloadable ledgers.
Examples: Upwork, Fiverr-style merchants needing master-account redistribution after EU PSP collection.
Marketplace, freelance platform
EU EMI/PSP collection upstream
Master-account redistribution downstream
Compliance and reconciliation focus