Atlas
Fintonic
We are Fintonic, the ultimate solution for enabling access to credit and analyzing individuals' credit risk. This is made possible thanks to our advanced technology based on artificial intelligence and deep-tech, as well as daily access to the largest aggregation of bank accounts in Spain. With a track record of over a decade, an active user base of more than half a million, and over 600 million euros in managed loans, we are at the forefront of financial technology.
As the first fintech in Spain authorized for payment procedures and open banking aggregation under the PSD2 regulation, our platform not only acts as a credit marketplace but also excels as a personal finance manager (PFM) and consumer analytics platform.
Fintonic is entering an ambitious new stage, and we have a new vision: to become the ultimate standard for credit scoring and the leading challenger in consumer financing, driven by superior technology and leadership in data usage.
We are Fintonic, the ultimate solution for enabling access to credit and analyzing individuals' credit risk. This is made possible thanks to our advanced technology based on artificial intelligence and deep-tech, as well as daily access to the largest aggregation of bank accounts in Spain. With a track record of over a decade, an active user base of more than half a million, and over 600 million euros in managed loans, we are at the forefront of financial technology.
As the first fintech in Spain authorized for payment procedures and open banking aggregation under the PSD2 regulation, our platform not only acts as a credit marketplace but also excels as a personal finance manager (PFM) and consumer analytics platform.
Fintonic is entering an ambitious new stage, and we have a new vision: to become the ultimate standard for credit scoring and the leading challenger in consumer financing, driven by superior technology and leadership in data usage.
Meniga
Meniga is a global leader in digital banking solutions, serving over 100 million banking customers across 165 financial institutions in 30 countries spanning Europe, North America, the Middle East and Asia.
Our customers include some of the most influential banks of these regions, such as UniCredit, Groupe BPCE, UOB, Swedbank, SAB, Tangerine, and Crédito Agrícola.
Our award-winning products enable large financial institutions to transform their online and mobile digital environments with minimal investment within weeks, not years. Meniga has developed a framework for next-generation digital banking around advanced data consolidation and enrichment and AI-powered Insights, allowing banks to hyper-personalise the digital banking experience. Our state-of-the-art finance management solutions position Meniga as the chosen orchestration platform for enabling neobank-grade customer experiences.
Meniga is a global leader in digital banking solutions, serving over 100 million banking customers across 165 financial institutions in 30 countries spanning Europe, North America, the Middle East and Asia.
Our customers include some of the most influential banks of these regions, such as UniCredit, Groupe BPCE, UOB, Swedbank, SAB, Tangerine, and Crédito Agrícola.
Our award-winning products enable large financial institutions to transform their online and mobile digital environments with minimal investment within weeks, not years. Meniga has developed a framework for next-generation digital banking around advanced data consolidation and enrichment and AI-powered Insights, allowing banks to hyper-personalise the digital banking experience. Our state-of-the-art finance management solutions position Meniga as the chosen orchestration platform for enabling neobank-grade customer experiences.
Paytel
PayTel S.A. is a leading provider of payment services on the Polish market. The company specializes in processing cashless payments made via payment cards (Visa, Visa Electron, Mastercard), mobile payments (BLIK, Google Pay, Apple Pay), and manages a network of POS terminals (installation, servicing, and leasing).
PayTel develops and expands its own terminal and payment applications as well as its own infrastructure. It is a sales leader under the Cashless Poland Program. For over 15 years, the company has been continuously growing, ensuring the highest quality of services and investing in innovative solutions.
PayTel is part of the SIBS international group – one of the largest players in the European payments market. It ensures the highest security standards, holding PCI DSS and PCI PIN Transaction Security certifications. It is a National Payment Institution, operating under a license issued by the Polish Financial Supervision Authority.
PayTel S.A. is a leading provider of payment services on the Polish market. The company specializes in processing cashless payments made via payment cards (Visa, Visa Electron, Mastercard), mobile payments (BLIK, Google Pay, Apple Pay), and manages a network of POS terminals (installation, servicing, and leasing).
PayTel develops and expands its own terminal and payment applications as well as its own infrastructure. It is a sales leader under the Cashless Poland Program. For over 15 years, the company has been continuously growing, ensuring the highest quality of services and investing in innovative solutions.
PayTel is part of the SIBS international group – one of the largest players in the European payments market. It ensures the highest security standards, holding PCI DSS and PCI PIN Transaction Security certifications. It is a National Payment Institution, operating under a license issued by the Polish Financial Supervision Authority.
PayCific
PAYCIFIC Merchant Services is specialized in providing Merchant Accounts for the businesses. The industries we serve are eCommerce, Financial Services, Information Technology, Nutraceutical, Pharmaceuticals and many more. We also help setting up a new business across the globe.
PAYCIFIC Merchant Services is specialized in providing Merchant Accounts for the businesses. The industries we serve are eCommerce, Financial Services, Information Technology, Nutraceutical, Pharmaceuticals and many more. We also help setting up a new business across the globe.
OmniPayment
OmniPayments is a switching solution for the financial/retail industries. It is deployed on NonStop for the highest availability and offers all the requisite functionality to manage credit/debit-card transactions. It manages multiple devices, hosts application interfaces, and interoperates with third-party products or other systems if required. OmniPayments easily expands to provide additional functionality when needed and supplies complete security functions for every transaction handled, including encryption-at-rest and in-flight. Available 24x7, OmniPayments will survive any single fault, requires no downtime for maintenance or upgrades, and supports a range of disaster-recovery solutions.
OmniPayments can be installed either as a complete, off-the-shelf solution or can be enhanced with customer-requested modifications and features to improve cost-effectiveness, efficiency, and risk mitigation.
OmniPayments is a switching solution for the financial/retail industries. It is deployed on NonStop for the highest availability and offers all the requisite functionality to manage credit/debit-card transactions. It manages multiple devices, hosts application interfaces, and interoperates with third-party products or other systems if required. OmniPayments easily expands to provide additional functionality when needed and supplies complete security functions for every transaction handled, including encryption-at-rest and in-flight. Available 24x7, OmniPayments will survive any single fault, requires no downtime for maintenance or upgrades, and supports a range of disaster-recovery solutions.
OmniPayments can be installed either as a complete, off-the-shelf solution or can be enhanced with customer-requested modifications and features to improve cost-effectiveness, efficiency, and risk mitigation.
Jn-fx
JNFX is a UK-based financial services company specialising in international payments and foreign exchange solutions. With over 17 years of experience, we have processed over £30 billion in transactions, empowering corporations, banks, FX brokers, and FinTech companies with efficient, secure, and innovative financial services. JNFX delivers trusted solutions tailored to meet global business needs.
JNFX is a UK-based financial services company specialising in international payments and foreign exchange solutions. With over 17 years of experience, we have processed over £30 billion in transactions, empowering corporations, banks, FX brokers, and FinTech companies with efficient, secure, and innovative financial services. JNFX delivers trusted solutions tailored to meet global business needs.
Adumo online
Adumo Online operates as a leading payment enabler, with all the services clients need to conduct secure, cashless payment transactions in both domestic and international markets: cloud-based software, payment systems, and risk management.
We have evolved through purposeful strategy execution and innovative product and platform development to become a leading e-commerce payment provider. We proudly operate as part of Adumo, South Africa’s largest independent payments processor.
Behind our pioneering payment technology is a team with extensive knowledge in digital business strategy and e-commerce management, ready to help clients connect online innovation, digital transformation, and sales.
Adumo Online operates as a leading payment enabler, with all the services clients need to conduct secure, cashless payment transactions in both domestic and international markets: cloud-based software, payment systems, and risk management.
We have evolved through purposeful strategy execution and innovative product and platform development to become a leading e-commerce payment provider. We proudly operate as part of Adumo, South Africa’s largest independent payments processor.
Behind our pioneering payment technology is a team with extensive knowledge in digital business strategy and e-commerce management, ready to help clients connect online innovation, digital transformation, and sales.
Guardarian
Guardarian is a licensed financial company in the field of providing virtual currency services (license nr. FVR000200 issued by the Estonian Financial Intelligence Unit). We help businesses with B2B exchanges & crypto payments solutions.
Guardarian is a licensed financial company in the field of providing virtual currency services (license nr. FVR000200 issued by the Estonian Financial Intelligence Unit). We help businesses with B2B exchanges & crypto payments solutions.
Contomobile
Contomobile does e-finance. Simply and reliably. We offer instant European IBAN accounts, both personal and business, and a growing set of streamlined tools for sending, receiving and managing funds. Multicurrency and cross-border, or local. With the ease of a swipe or a tap in our friendly app. In a world where money and payments need to be as mobile as modern goods and services – as mobile as you are, that is – Contomobile lets you do more right from your mobile device. We’re part of the Forbis Group, the maker of FORPOST banking software which leading international banks rely on to meet the challenges of modern finance and which powers Contomobile. Forbis’s specialized Fininbox unit provides our strong financial IT infrastructure. We thus combine great app design with long expertise and deep resources for financial integrity and security. Contomobile is licensed and supervised as an electronic money institution by the Bank of Lithuania.
Contomobile does e-finance. Simply and reliably. We offer instant European IBAN accounts, both personal and business, and a growing set of streamlined tools for sending, receiving and managing funds. Multicurrency and cross-border, or local. With the ease of a swipe or a tap in our friendly app. In a world where money and payments need to be as mobile as modern goods and services – as mobile as you are, that is – Contomobile lets you do more right from your mobile device. We’re part of the Forbis Group, the maker of FORPOST banking software which leading international banks rely on to meet the challenges of modern finance and which powers Contomobile. Forbis’s specialized Fininbox unit provides our strong financial IT infrastructure. We thus combine great app design with long expertise and deep resources for financial integrity and security. Contomobile is licensed and supervised as an electronic money institution by the Bank of Lithuania.
PayRoc
Payroc is a high-growth, multi-national payments platform, merchant acquirer, and processing powerhouse processing over $93 billion in annual volume for more than 158,000 merchants. Founded in 2003, Payroc offers best-in-class sales enablement and merchant processing technology. Payroc enables unified commerce that helps businesses grow faster by delivering proprietary, innovative, and full-service solutions with key card brand network payment sponsorship registrations.
Payroc is a high-growth, multi-national payments platform, merchant acquirer, and processing powerhouse processing over $93 billion in annual volume for more than 158,000 merchants. Founded in 2003, Payroc offers best-in-class sales enablement and merchant processing technology. Payroc enables unified commerce that helps businesses grow faster by delivering proprietary, innovative, and full-service solutions with key card brand network payment sponsorship registrations.
Payrails
Payrails is a payment operating system for global enterprises that want to effectively manage all aspects of their payment operations in one place. Our end-to-end solution connects merchants to a vast network of payment providers, fraud solutions, and alternative payment methods through one single, intuitive API. Payrails is joined in its mission by top-tier investors Andreessen Horowitz, EQT, General Catalyst, and HV Capital to enable us to solve the growing complexity of payments.
Payrails is a payment operating system for global enterprises that want to effectively manage all aspects of their payment operations in one place. Our end-to-end solution connects merchants to a vast network of payment providers, fraud solutions, and alternative payment methods through one single, intuitive API. Payrails is joined in its mission by top-tier investors Andreessen Horowitz, EQT, General Catalyst, and HV Capital to enable us to solve the growing complexity of payments.
Terms.tech
Increase sales with our Buy Now, Pay Later solution for B2B.
B2B payment terms up to 120 days for European B2B merchants, marketplaces, and PSPs. Give your customers the flexibility and cash flow they need!
Increase sales with our Buy Now, Pay Later solution for B2B.
B2B payment terms up to 120 days for European B2B merchants, marketplaces, and PSPs. Give your customers the flexibility and cash flow they need!
Horizon
We are an award-winning and fastest-growing merchant service company in the nation. We offer businesses the ability to accept debit and credit cards as forms of payment, from processing the transactions to helping find the right equipment to fit their needs -- all while saving them money.
We are an organization built on a culture of diversity and inclusion. Our team operates with a foundation built on family, community, teamwork, and dedication.
We are an award-winning and fastest-growing merchant service company in the nation. We offer businesses the ability to accept debit and credit cards as forms of payment, from processing the transactions to helping find the right equipment to fit their needs -- all while saving them money.
We are an organization built on a culture of diversity and inclusion. Our team operates with a foundation built on family, community, teamwork, and dedication.
Gopay
We believe that money should make people happy
We change the traditional world of finance. We create smart apps for those who want to manage their money easily and stress-free.
We believe that money should make people happy
We change the traditional world of finance. We create smart apps for those who want to manage their money easily and stress-free.
Digitalriver
Digital River optimizes payment authorization by dynamically routing and retrying transactions across one of the industry’s largest multi-acquirer networks. By processing payments through local acquirers in over 40 markets, we reduce declines and unwanted cross-border fees, saving you and your customers money and frustrations. And using machine learning, we reduce fraud and involuntary churn to recover more of your revenue.
Digital River optimizes payment authorization by dynamically routing and retrying transactions across one of the industry’s largest multi-acquirer networks. By processing payments through local acquirers in over 40 markets, we reduce declines and unwanted cross-border fees, saving you and your customers money and frustrations. And using machine learning, we reduce fraud and involuntary churn to recover more of your revenue.
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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.
