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Merchant operating account
A business account for store revenue, marketplace settlements and day-to-day supplier payments.
BREADX gives eCommerce businesses the account stack to take in revenue, hold balances by market, and pay suppliers, platforms and recipients — without a separate bank setup in every country.
Keep balances in the currencies you sell in across Severní Amerika, the UK, the EU/EEA, Asia and Africa.
Pay suppliers, fulfilment partners and the people who sell for you from the same stack.
See incoming funds, conversions and payouts in the client dashboard.
This is the account layer behind an eCommerce operation — collection, treasury and disbursement.
A business account for store revenue, marketplace settlements and day-to-day supplier payments.
Hold and convert funds so you can price, collect and pay locally in Severní Amerika, the UK, the EU/EEA, Asia and Africa.
Onboard sellers, affiliates or contractors and push payouts into wallets they can use or spend on a card.
Collect from buyers and pay customers or vendors on local rails in those regions so confirmation and shipping are not held up by a cross-border wire.
Merchants can also receive eCommerce payments in further currencies through alternative payment methods, including:
Merchant accounts are set up for businesses that sell and pay across these regions. Local collection and local payout sit on the same programme.
BREADX is not a bank. For all Canadian-dollar (CAD) funds, BREADX does not hold, own, or control the funds. CAD funds are received, held at rest, and disbursed exclusively by our regulated partner Apaylo Finance Technology Inc. (FINTRAC MSB Registration No. M22922184). Apaylo holds all CAD funds in bank accounts legally titled to and owned solely by Apaylo at Digital Commerce Bank, a Schedule I Canadian bank.