payabl. vs Bivial

Less admin. More business. payabl. brings together business accounts and virtual card management in one secure app, giving you the visibility and control to focus on growth, not admin.   See the full picture Real-time account balances and transaction history, all in one place. Switch between accounts instantly and request statements whenever you need them.   Track every transaction Upload receipts and documents directly to transfers. Add comments for context. Export everything for clean, effortless accounting.   Move money with ease Send funds instantly between your own accounts or externally to any beneficiary. Set up recipients once, choose who pays the charges, and track every transfer from start to finish.   Exchange currencies in seconds Convert between currencies at competitive rates with clear fees upfront. See exactly what you'll get before you confirm, and keep your international business moving.   Stay ahead of approvals Track multi-signatory flows in real time, see who's approved, who's pending, and what's outstanding. No more chasing sign-offs.   Approve with confidence Review, authorise, or reject transfers from anywhere. Check the full details, approve with biometric security, and keep payments moving without delay.   Cards under your control View limits, freeze cards with one tap, and add to Apple Pay for secure contactless payments.   Built-in security Bank-grade encryption, biometric authentication, instant fraud alerts, and immediate card termination when you need it. Payabl. CY Limited, with registered address at Agiou Athanasiou 4, Agios Athanasios, Limassol, 4104, Cyprus, is authorised and regulated by the Central Bank of Cyprus (CBC) and holds an Electronic Money Institution (EMI) licence. Payabl. CY Limited operates under its Payment Institution (PI) licence (Licence Number: 115.1.2.9/2018) until the full activation of the EMI licence. Company Registration Number: HE289380. Payabl. (UK) Limited, with registered address at Napier House, 24 High Holborn, London, WC1V 6AZ, United Kingdom, is authorised and regulated by the Financial Conduct Authority (FCA) and operates under an Electronic Money Institution (EMI) licence (Licence Number: 967259). Company Registration Number: 13639825.

Bivial App. Your Bivial account, now fully on your smartphone. • View balances and IBANs across all currency accounts, send SWIFT and local payments, convert currencies, manage cards and track transactions in real time. • Confirm logins, transfers and other actions with a single tap, using Face ID, Touch ID or your personal PIN. • Built on Swiss security standards, the app offers a simple, convenient experience – for all customers using Bivial.