Crezco
Crezco provides a web interface and API for platforms embedding payment products for small and medium-sized businesses.
What Crezco is
Crezco provides a web interface and API for platforms embedding payment products for small and medium-sized businesses. Its bill-payment tools support real-time or scheduled bank transfers, card payments, domestic and international suppliers, and single or bulk payments. Platforms can embed payables while retaining control of the user experience and payment fees. Crezco describes real-time international payouts in more than 36 currencies to more than 180 countries. Integrations include Xero, QuickBooks, Quickfile, Sage, SIF Health, MazApp, Duport and Haibooks; Xero imports outstanding bills from up to the previous 365 days. Payment webhooks, instant settlement and redirect-based bank authentication are supported. Plans start with Collect Plus at £10/ month, Send Plus at £20/ month and Premium at £27/ month. There is no free plan, and Crezco advertises a 30-day trial.
Good
- Supports scheduled and real-time payments
- Offers payouts to over 180 countries
- Includes payment webhooks
- Integrates with major accounting platforms
- 30-day trial advertised
Watch out
- No free plan
- Xero imports cover 365 previous days
- Bank authentication uses redirect
Who it suits
Crezco suits platforms embedding payments and businesses handling supplier bills or international payouts. Its accounting integrations also suit users working with the listed bookkeeping systems.
Verdict
Crezco combines embedded payment APIs, bill payment workflows and international payouts with accounting integrations. The paid plans and absence of a free tier matter when choosing it for platform or business use.
Plans and prices
From Crezco's own pricing page, checked 5 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Collect Plus | £10 a month | Receive payments · Multiple use payment links · International payments from 0.35% · £10/ month |
| Send Plus | £20 a month | Send single payments · Instant bulk payments up to 250 · Scheduled bulk payments · International payments from 0.35% · £20/ month |
| Premium | £27 a month | Receive payments · Multiple use payment links · Send single payments · Instant bulk payments up to 500 · Scheduled bulk payments · International payments from 0.35% · £27/ month |
The facts
Each one read from Crezco's own pages, with the date it was checked.
What it does
- Accounting integrations
- Crezco lists integrations with Xero, QuickBooks, Quickfile, Sage, SIF Health, MazApp, Duport, and Haibooks.checked 5 Oct 2026
- Bill payments
- Its bill payment product supports real-time and scheduled bank transfers, card payments, domestic and international suppliers, and single or bulk payments.checked 5 Oct 2026
- Developer support
- Crezco advertises expert support for platform partners and their users.checked 5 Oct 2026
- Embedded payment API
- Crezco says platforms can embed payables in their product and retain control of the user experience and payment fees.checked 5 Oct 2026
- Global payouts
- Crezco describes real-time international payouts in more than 36 currencies to more than 180 countries.checked 5 Oct 2026
- Payment safeguarding
- Crezco says its e-money partner Currencycloud safeguards funds while they are held in the account, until they are paid to the beneficiary.checked 5 Oct 2026
- Product
- Crezco provides an API and financial products that let platforms embed payments for small and medium-sized businesses.checked 5 Oct 2026
- Regulatory status
- Crezco says it is authorised and regulated by the UK Financial Conduct Authority as an electronic money institution, firm reference 1027543.checked 5 Oct 2026
- Security certifications
- Crezco states that it is SOC 2 and ISO certified and offers enterprise SLAs and a custom-built fraud engine.checked 5 Oct 2026
- Xero bill import limit
- Crezco imports outstanding Xero bills from up to the previous 365 days.checked 5 Oct 2026
The company
- Headquarters
- 123 Buckingham Palace Rd, London, SW1W 9SH, United Kingdomchecked 28 Sep 2026
Money
- Partner platform billing
- A Crezco plan is not required when payments are sent only within a partner platform, where billing is handled by that partner.checked 5 Oct 2026
- Trial
- A help article says customers subscribing to Send Plus or Premium get a one-month free trial.checked 5 Oct 2026
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