That’s the story of how Geneva-based FinTech b-Sharpe transformed its back-office and customer experience, by automating its payment workflows through YAPEAL’s Embedded Swiss Business Account and Virtual IBANs Solution.

b-Sharpe is known for making cross-border foreign exchange simple and transparent, especially for SMEs and cross-border workers. But behind the scenes, the team was facing growing operational challenges.

Each client needed a dedicated CHF account. Yet without nominative Swiss IBANs, incoming funds were often hard to attribute. Payments sometimes arrived without references, support tickets increased, and reconciliation turned into a time-consuming manual task.

b-Sharpe required a solution that was secure, fast, compliant, and ready to integrate. After exploring the market, they found a perfect match in YAPEAL.

YAPEAL’s Business Account Solution with instant CHF Virtual IBANs offered:

• Regulatory fit: FINMA regulated and AML alignment
  
  

• Automation potential: API-first architecture with webhook-based reconciliation
  
  

• Seamless integration: Fast and smooth Integration, clear documentation and responsive technical support

Implementation was fast. Beyond initial tests, only a minor bug was encountered, and fixed within a day thanks to YAPEAL’s proactive team.

Once live, the transformation was striking:

•  ~95% reduction in manual reconciliation work

•  Drastic drop in support tickets related to payment uncertainty

•  Faster onboarding and a cleaner customer journey

•  End-to-end automation of incoming CHF flows

With CHF Virtual IBANs successfully deployed, b-Sharpe is looking ahead. The next step? Expanding the model to cover EUR and USD flows, using the same scalable infrastructure.

For b-Sharpe, integrating YAPEAL’s Business Account & Virtual IBAN  solution wasn’t just a technical fix, it was a strategic enabler. By automating its most critical financial operations, the company has strengthened its service offering and prepared for growth.