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smileandpay.com France

Smile&Pay's mission is to support professionals, merchants, and associations in launching and developing their activities. Established in Paris in October 2015, it is the French solution for card payment processing, accessible to everyone. All our payment terminals comply with the strictest French security standards (PCI-PTS standards, GIE-CB approved TPE). Transactions are secure, and professionals are protected. In its 4 years of existence, Smile&Pay has processed over 200 million euros in transactions, with 100 million euros in the year 2019 alone. This impressive growth is a testament to our expertise in the field. SMILE&PAY offers a practical, secure, and commitment-free solution that brings a smile to professionals and merchants.

Smile&Pay's mission is to support professionals, merchants, and associations in launching and developing their activities. Established in Paris in October 2015, it is the French solution for card payment processing, accessible to everyone. All our payment terminals comply with the strictest French security standards (PCI-PTS standards, GIE-CB approved TPE). Transactions are secure, and professionals are protected. In its 4 years of existence, Smile&Pay has processed over 200 million euros in transactions, with 100 million euros in the year 2019 alone. This impressive growth is a testament to our expertise in the field. SMILE&PAY offers a practical, secure, and commitment-free solution that brings a smile to professionals and merchants.

qliro.com Sweden

We are Qliro Our company was founded in 2014 and the team was given one task, bring a new payment solution in to the market, in only 6 months. Today we have grown to a team of over 200 people from over 30 different countries delivering safe and simple payments for e-commerce growth. Qliro has a track record of delivering new products and services at unmatched speed. We have launched a range of commercially successful products, including an e-commerce checkout, a pay-after-delivery product, D2C saving and loans products, apps, self-service website and merchant-facing interfaces. We are active in an exciting intersection of the e-commerce, payment and financial services markets. We target both leading online merchants and millions of consumers seeking superior digital payments and consumer finance products.

We are Qliro Our company was founded in 2014 and the team was given one task, bring a new payment solution in to the market, in only 6 months. Today we have grown to a team of over 200 people from over 30 different countries delivering safe and simple payments for e-commerce growth. Qliro has a track record of delivering new products and services at unmatched speed. We have launched a range of commercially successful products, including an e-commerce checkout, a pay-after-delivery product, D2C saving and loans products, apps, self-service website and merchant-facing interfaces. We are active in an exciting intersection of the e-commerce, payment and financial services markets. We target both leading online merchants and millions of consumers seeking superior digital payments and consumer finance products.

paybull.com Turkey

Founded at the end of 2018, PayBull is a payment and electronic money institution that provides digital wallet and payment service solutions to both individual and corporate customers, aiming to meet all their financial needs. The company is certified with the globally recognized high-security standard PCI DSS.

Founded at the end of 2018, PayBull is a payment and electronic money institution that provides digital wallet and payment service solutions to both individual and corporate customers, aiming to meet all their financial needs. The company is certified with the globally recognized high-security standard PCI DSS.

adson.eu Germany

We are making card acceptance as easy and economical as possible – so you can concentrate on the important things

We are making card acceptance as easy and economical as possible – so you can concentrate on the important things

webxpay.co Sri Lanka

We are a leading payment gateway service provider, committed to empowering our customers to achieve their entrepreneurial dreams. Our expertise lies in offering seamless and secure payment solutions that cater to the unique needs of each business, ensuring a smooth transaction experience.

We are a leading payment gateway service provider, committed to empowering our customers to achieve their entrepreneurial dreams. Our expertise lies in offering seamless and secure payment solutions that cater to the unique needs of each business, ensuring a smooth transaction experience.

spenda.co Australia

Spenda is an integrated business platform that enables businesses across the supply chain to sell better and get paid faster. We serve as both a software solutions provider and a payment processor and deliver the essential infrastructure to streamline business processes before, during and after the payment event. With over 20 years’ experience in building solutions that improve transactional efficiency between businesses, Spenda is applicable to any business that needs to make or receive a payment. Our software enables the smooth flow of funds throughout a supply chain or network of buyers and sellers, from producer to end-consumer.

Spenda is an integrated business platform that enables businesses across the supply chain to sell better and get paid faster. We serve as both a software solutions provider and a payment processor and deliver the essential infrastructure to streamline business processes before, during and after the payment event. With over 20 years’ experience in building solutions that improve transactional efficiency between businesses, Spenda is applicable to any business that needs to make or receive a payment. Our software enables the smooth flow of funds throughout a supply chain or network of buyers and sellers, from producer to end-consumer.

paytm.com India

Paytm started the Digital Revolution in India. And we went on to become India’s leading Payments App. Today, more than 20 Million merchants & businesses are powered by Paytm to Accept Payments digitally. This is because more than 300 million Indians use Paytm to Pay at their stores. And that’s not all, Paytm App is used to Pay bills, do Recharges, Send money to friends & family, Book movies & travel tickets. With innovations to Financial services & products in pipeline, this is but one of the milestones achieved towards our mission – to bring 500 million unserved and underserved Indians to the mainstream economy.

Paytm started the Digital Revolution in India. And we went on to become India’s leading Payments App. Today, more than 20 Million merchants & businesses are powered by Paytm to Accept Payments digitally. This is because more than 300 million Indians use Paytm to Pay at their stores. And that’s not all, Paytm App is used to Pay bills, do Recharges, Send money to friends & family, Book movies & travel tickets. With innovations to Financial services & products in pipeline, this is but one of the milestones achieved towards our mission – to bring 500 million unserved and underserved Indians to the mainstream economy.

banorte.com Mexico

One of Mexico’s largest financial institutions, founded in 1899. Has a very large network — over 1,200 branches and thousands of ATMs across Mexico.

One of Mexico’s largest financial institutions, founded in 1899. Has a very large network — over 1,200 branches and thousands of ATMs across Mexico.

billtrust.com United States

Billtrust makes it easier for B2B companies to get paid. We’ve been the leading innovator in AR automation for nearly two decades and continue accelerating. Our customers span 40+ industries and we lead with double digit market share in many of the industries we serve. We provide automated order-to-cash solutions that meet diverse buyer requirements and speed cash application through tailored invoice delivery, secure multi-channel payment enablement and intelligent matching and payment posting. Our unparalleled expertise in AR informs everything that we do. No one is better positioned to understand and solve for the needs of every individual AR department. We innovate by pushing automation into new areas like our supplier-driven payments network, automated invoice delivery into AP portals and our automated credit application process. We drive results by helping our customers increase electronic adoption of invoices and payments and widening technology bottlenecks.

Billtrust makes it easier for B2B companies to get paid. We’ve been the leading innovator in AR automation for nearly two decades and continue accelerating. Our customers span 40+ industries and we lead with double digit market share in many of the industries we serve. We provide automated order-to-cash solutions that meet diverse buyer requirements and speed cash application through tailored invoice delivery, secure multi-channel payment enablement and intelligent matching and payment posting. Our unparalleled expertise in AR informs everything that we do. No one is better positioned to understand and solve for the needs of every individual AR department. We innovate by pushing automation into new areas like our supplier-driven payments network, automated invoice delivery into AP portals and our automated credit application process. We drive results by helping our customers increase electronic adoption of invoices and payments and widening technology bottlenecks.

fairfx.com United Kingdom

We help take you and your money further thanks to our great rates, low fees and award-winning service. Whether you're heading abroad or sending money overseas, with our multi-currency card, travel money and international payments, we've got you covered.

We help take you and your money further thanks to our great rates, low fees and award-winning service. Whether you're heading abroad or sending money overseas, with our multi-currency card, travel money and international payments, we've got you covered.

caxton.io United Kingdom

For business accounts that offer expense management, accounts payable, faster payroll payments and of course - international payments. With a mission to challenge the fees, FX losses, and impersonal service typical of high-street banks, we set out to combine payment expertise with smart, pre-paid cards. And today, we stand tall as an FCA-regulated payments firm that does all of that, plus delivers a user-friendly, API-driven platform – to power the global payment needs of businesses and individuals alike.

For business accounts that offer expense management, accounts payable, faster payroll payments and of course - international payments. With a mission to challenge the fees, FX losses, and impersonal service typical of high-street banks, we set out to combine payment expertise with smart, pre-paid cards. And today, we stand tall as an FCA-regulated payments firm that does all of that, plus delivers a user-friendly, API-driven platform – to power the global payment needs of businesses and individuals alike.

cofidis.es Spain

At Cofidis, we have been active in the Spanish financial market for 30 years, positioning ourselves as one of the leading remote consumer credit operators. We currently have a team of 1,000 employees nationwide and 5,200 across Europe. Thanks to all of them, Cofidis continues to be an exceptional place to work, and we have been certified as a Great Place to Work in Spain (October 2021 – October 2022). Cofidis is recognized for its expertise in consumer credit and personal loans for project financing, with more than 2.5 million customers. Since beginning operations in Spain in 1990, our activity has been supervised by the Bank of Spain. In addition, Cofidis is a member of the National Association of Financial Entities (ASNEF) and the Spanish Association for Digital Economy and Direct Marketing (Adigital).

At Cofidis, we have been active in the Spanish financial market for 30 years, positioning ourselves as one of the leading remote consumer credit operators. We currently have a team of 1,000 employees nationwide and 5,200 across Europe. Thanks to all of them, Cofidis continues to be an exceptional place to work, and we have been certified as a Great Place to Work in Spain (October 2021 – October 2022). Cofidis is recognized for its expertise in consumer credit and personal loans for project financing, with more than 2.5 million customers. Since beginning operations in Spain in 1990, our activity has been supervised by the Bank of Spain. In addition, Cofidis is a member of the National Association of Financial Entities (ASNEF) and the Spanish Association for Digital Economy and Direct Marketing (Adigital).

cbd.ae United Arab Emirates

Commercial Bank of Dubai is one of the leading banks in the UAE, offering innovative and bespoke personal banking and business banking services, through state-of-the-art digital channels including mobile and online banking and through an extensive branch and ATM network. Operating in the UAE for over 50 years, CBD manages the financial requirements of some of the largest corporates and businesses operating in the country, driving the UAE economy. Over the years, CBD has transformed into a progressive and modern banking institution winning multiple awards for its digital initiatives, credit cards, bank accounts, mobile app features and services.

Commercial Bank of Dubai is one of the leading banks in the UAE, offering innovative and bespoke personal banking and business banking services, through state-of-the-art digital channels including mobile and online banking and through an extensive branch and ATM network. Operating in the UAE for over 50 years, CBD manages the financial requirements of some of the largest corporates and businesses operating in the country, driving the UAE economy. Over the years, CBD has transformed into a progressive and modern banking institution winning multiple awards for its digital initiatives, credit cards, bank accounts, mobile app features and services.

creditkudos.com United Kingdom

Credit Kudos is an Open Banking credit reference agency. We help credit providers make better decisions using better data. Built on top of Open Banking data, our suite of innovative products enable commercial and consumer lenders to automate decisioning, responsibly increase acceptances, and reduce risk. Credit Kudos is authorised by the Financial Conduct Authority and integrated with leading lenders and brokers, including Curve, Admiral, Atom bank, LendInvest, and CarFinance 247.

Credit Kudos is an Open Banking credit reference agency. We help credit providers make better decisions using better data. Built on top of Open Banking data, our suite of innovative products enable commercial and consumer lenders to automate decisioning, responsibly increase acceptances, and reduce risk. Credit Kudos is authorised by the Financial Conduct Authority and integrated with leading lenders and brokers, including Curve, Admiral, Atom bank, LendInvest, and CarFinance 247.

digitalcapital.co.uk United Kingdom

Digital Capital is an authorised electronic money institution by Financial Conduct Authority. We are offering a variety of solutions including: Regulatory solutions Payment solutions Card solutions Acquiring solutions Money remittance Hospitality solutions

Digital Capital is an authorised electronic money institution by Financial Conduct Authority. We are offering a variety of solutions including: Regulatory solutions Payment solutions Card solutions Acquiring solutions Money remittance Hospitality solutions

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Choosing Card Processing Provider

What is Payment Provider?

Governments frequently give money to people in need in the form of income assistance, welfare payments, pension payments, humanitarian aid, and other distributions.

‍Some governments are now turning to digital payments, which may include transferring funds through mobile apps, online transfers, prepaid cards and virtual cards, and other technologies. Often, recipients can also withdraw funds they receive at ATMs and bank branches.

‍The World Bank explains that digitized government-to-person payments have numerous benefits. Critically, digital payments reduce the time and expenses involved in receiving and redeeming funds. Recipients do not need to pay transportation costs, take time off work, travel in harsh weather conditions, or wait in line to collect their funds.

Card Processing FAQs

Card processing makes it easy to accept payments, stay compliant, and keep your checkout experience smooth for everyone.

How many guaranteed offers do I receive?

Start with your own checkout data, then validate it against market benchmarks. Country- and industry-level insights help identify which methods are dominant in specific regions. PayAtlas aggregate this information through payment method guides and regional breakdowns, making demand patterns easier to compare.

What if I don't select any providers from the initial research?

Cards remain essential globally, but digital wallets and local bank transfers are critical in many regions. Real-time payment methods are now standard in parts of Europe, Asia, and Latin America. Comparing methods by country helps avoid relying on outdated global assumptions.

How many guaranteed offers are available?

A focused selection performs better for most businesses. Experts recommend prioritizing the methods that matter most in each target market.

How is the relevancy of payment providers verified?

Conversion improves when customers see familiar and trusted payment options. Market-specific payment guides and merchant case insights show that relevance often matters more than quantity, especially in cross-border scenarios.

I have more questions. How can I contact the PayAtlas team?

If you have any additional questions, please reach out to info@payatlas.com

Is it possible to request a product demo?

Cards generally have higher chargeback exposure, while bank transfers and real-time payments have lower fraud rates but limited dispute options. Wallets often add extra authentication layers.

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