Ever feel like you’re one payment away from your business account getting locked?

I run a small agency based in France with a fully remote team and clients spread across Europe, so handling cross-border payments smoothly is a big part of our day-to-day operations. For a while, Wise and Revolut Business worked perfectly fine for routine expenses—subscriptions, smaller invoices, and regular transfers. No real complaints there.

The issues usually start when you hit those larger payment moments. Paying a contractor for a big project or sending a high-value vendor payment can suddenly turn into a frustrating process—transactions getting flagged, support tickets being opened, and then waiting around without clear timelines. It’s not constant, but it happens often enough to create stress, especially when timing matters.

At some point, I decided to try Keytom as a backup option, mainly just to see if having an alternative would reduce some of that friction. The onboarding process was surprisingly quick and straightforward, without the usual endless back-and-forth on documents and compliance checks. That alone made it feel easier to test without committing too much upfront.

Over time, we started using it more regularly, especially for contractor payouts and those random high-ticket vendor payments where delays would be the most painful. So far, it’s been reliable and hasn’t introduced the same level of uncertainty we experienced before.

I’m not saying reviews or checks don’t happen—that’s just part of working with fintech platforms. But at least it doesn’t feel like every larger transaction carries the risk of your account being suddenly frozen or locked at the worst possible moment.

For other agency owners or anyone running a remote business, how are you handling larger payments these days?