Atlas
Groupe Credit Mutuel
JOINING CRÉDIT MUTUEL MEANS JOINING A DIFFERENT BANK.
- A bank ranked No. 1 on the Customer Relationship Podium, where the collective spirit allows everyone to thrive.
- A cooperative and mutualist bank where profit is not the only driving force.
- A bank that continuously innovates while remaining present in local communities.
At Crédit Mutuel, we invest in long-term relationships through significant training efforts, far exceeding the national average. You have the opportunity to change careers multiple times and grow within over 100 roles in banking and insurance.
We empower our employees because our system is based on the local anchoring of Crédit Mutuel branches, each of which is autonomous. Our management is decentralized, and all employees also have decision-making autonomy.
We value the collective, and your individual goals align with achieving its objectives.
Finally, and most importantly, our performance indicator is the satisfaction of our customers-members.
JOINING CRÉDIT MUTUEL MEANS JOINING A DIFFERENT BANK.
- A bank ranked No. 1 on the Customer Relationship Podium, where the collective spirit allows everyone to thrive.
- A cooperative and mutualist bank where profit is not the only driving force.
- A bank that continuously innovates while remaining present in local communities.
At Crédit Mutuel, we invest in long-term relationships through significant training efforts, far exceeding the national average. You have the opportunity to change careers multiple times and grow within over 100 roles in banking and insurance.
We empower our employees because our system is based on the local anchoring of Crédit Mutuel branches, each of which is autonomous. Our management is decentralized, and all employees also have decision-making autonomy.
We value the collective, and your individual goals align with achieving its objectives.
Finally, and most importantly, our performance indicator is the satisfaction of our customers-members.
Eservice
eService is the leader in the Polish market for payment card acceptance and electronic transaction processing, as well as the largest provider of settlement technology services in Central and Eastern Europe.
We have been operating for nearly 25 years, offering entrepreneurs omnichannel payment solutions for both brick-and-mortar and mobile service and retail points, as well as online businesses. Our offering includes POS terminals, as well as applications and payment gateways for e-commerce and m-commerce solutions.
We are the only company in the Polish payment sector whose services are regularly audited and certified for quality and security by TUV ISO 9001 and PCI P2PE. We actively support the promotion of cashless payments among small and medium-sized enterprises, as well as in local government units and public institutions. As a result, we are also the most frequently chosen service provider under the “Cashless Poland” program.
eService is the leader in the Polish market for payment card acceptance and electronic transaction processing, as well as the largest provider of settlement technology services in Central and Eastern Europe.
We have been operating for nearly 25 years, offering entrepreneurs omnichannel payment solutions for both brick-and-mortar and mobile service and retail points, as well as online businesses. Our offering includes POS terminals, as well as applications and payment gateways for e-commerce and m-commerce solutions.
We are the only company in the Polish payment sector whose services are regularly audited and certified for quality and security by TUV ISO 9001 and PCI P2PE. We actively support the promotion of cashless payments among small and medium-sized enterprises, as well as in local government units and public institutions. As a result, we are also the most frequently chosen service provider under the “Cashless Poland” program.
Finja
Welcome to Finja, your new-age financial services platform tailored for professionals, SMEs, and merchants, addressing their payments, collections, and credit needs. As a friend of banks, Financial Institutions (FIs), and merchants alike, we occupy a unique position in the value chain, facilitating seamless digital interactions for all stakeholders in the ecosystem.
Equitable Lending Platform:
Discover our innovative lending ecosystem, an equitable platform that leverages AI and data-driven methodologies to provide financial services to the underbanked segments of our nation. Operated by Finja Lending Services under an NBFC license, our commitment is to empower individuals and businesses through accessible and fair lending practices.
Integrated Financial Services:
At Finja, we are dedicated to delivering comprehensive financial solutions under one roof. Whether you are a business, SME, or an individual, our suite of services is designed to meet your financial needs seamlessly.
Welcome to Finja, your new-age financial services platform tailored for professionals, SMEs, and merchants, addressing their payments, collections, and credit needs. As a friend of banks, Financial Institutions (FIs), and merchants alike, we occupy a unique position in the value chain, facilitating seamless digital interactions for all stakeholders in the ecosystem.
Equitable Lending Platform:
Discover our innovative lending ecosystem, an equitable platform that leverages AI and data-driven methodologies to provide financial services to the underbanked segments of our nation. Operated by Finja Lending Services under an NBFC license, our commitment is to empower individuals and businesses through accessible and fair lending practices.
Integrated Financial Services:
At Finja, we are dedicated to delivering comprehensive financial solutions under one roof. Whether you are a business, SME, or an individual, our suite of services is designed to meet your financial needs seamlessly.
Payproff
PayProff is a secure and smart payment system that gives you peace of mind when trading — whether you're a business or a private individual. Both buyer and seller are better protected because the financial transaction is secured and transparent for both parties. Faith, hope, and trust are good — but security is better.
The system behind PayProff is called Escrow, and this method of trading has proven itself through millions of transactions worldwide as the safest system to avoid fraud, loss, and insecurity.
With PayProff, you can — for the first time — buy and sell all kinds of products via a Danish escrow account.
PayProff is a secure and smart payment system that gives you peace of mind when trading — whether you're a business or a private individual. Both buyer and seller are better protected because the financial transaction is secured and transparent for both parties. Faith, hope, and trust are good — but security is better.
The system behind PayProff is called Escrow, and this method of trading has proven itself through millions of transactions worldwide as the safest system to avoid fraud, loss, and insecurity.
With PayProff, you can — for the first time — buy and sell all kinds of products via a Danish escrow account.
Verve
Verve is an innovative rewards platform on a mission to transform the cashback space with its cutting-edge card-linking technology, creating compelling propositions for brands, strategic partners, and users alike.
Leveraging open banking, our app users earn cashback using their Starling Bank or Monzo card(s) while spending with brands they love today and exploring new ones they may enjoy tomorrow. Verve is cashback made simple, no loyalty card, voucher codes, or cookies required – rewarding users wherever and however they shop. We drive engagement and enhanced value propositions for our strategic partners, whilst supporting our content partners’ key objectives.
Verve is an innovative rewards platform on a mission to transform the cashback space with its cutting-edge card-linking technology, creating compelling propositions for brands, strategic partners, and users alike.
Leveraging open banking, our app users earn cashback using their Starling Bank or Monzo card(s) while spending with brands they love today and exploring new ones they may enjoy tomorrow. Verve is cashback made simple, no loyalty card, voucher codes, or cookies required – rewarding users wherever and however they shop. We drive engagement and enhanced value propositions for our strategic partners, whilst supporting our content partners’ key objectives.
Topay
Busy with your profession, but too often lost in peripheral matters?
With ToPay, doing business becomes so much easier. We combine the smart functions of an accounting program with the personal support of an experienced accountant. This way, you always know how much tax you need to reserve and you will not be faced with financial surprises.
Our experts are ready to guide you through financial challenges and provide clear solutions, so that you can move forward with confidence. We take care of the figures, you do what you are good at!
Busy with your profession, but too often lost in peripheral matters?
With ToPay, doing business becomes so much easier. We combine the smart functions of an accounting program with the personal support of an experienced accountant. This way, you always know how much tax you need to reserve and you will not be faced with financial surprises.
Our experts are ready to guide you through financial challenges and provide clear solutions, so that you can move forward with confidence. We take care of the figures, you do what you are good at!
Yoyogroup
Yoyo powers some of the world’s leading retail brands, through customer loyalty and rewards software solutions, to offer the world's most rewarding buying experience. Yoyo is integrated into over 200 000 retail lanes across 17 000 stores, with over 5 million monthly active users.
Yoyo powers some of the world’s leading retail brands, through customer loyalty and rewards software solutions, to offer the world's most rewarding buying experience. Yoyo is integrated into over 200 000 retail lanes across 17 000 stores, with over 5 million monthly active users.
Streamable Finance
We are crafting a world where your money flows as seamlessly as time, revolutionizing tomorrow’s financial landscape. We envision a financial world that operates in real-time, not on static ledgers. Our mission is to build a modern, secure and integrated real-time payment infrastructure and enable on-demand value streams.
We are crafting a world where your money flows as seamlessly as time, revolutionizing tomorrow’s financial landscape. We envision a financial world that operates in real-time, not on static ledgers. Our mission is to build a modern, secure and integrated real-time payment infrastructure and enable on-demand value streams.
Secure Trading
STS is a trading platform which has over $12 Billion in transactions over the last 16 years.
STS is an online e-procurement tool which saves organizations and government entities between of 20-30% and sometimes more.
STS creates creates streamlined procurement.
STS’s Micro Wells division has it’s own leases and providers and can supply to buyers as well as brokering sales.
STS utilizes upcoming legislation to build business and marketshare.
STS creates transnational transactions and facilitates exports.
STS is here to not only bring the best prices to our buyers but to facilitate transactions which are stable and well vetted. Our job in short is to make solid transactions with verified buyers and sellers. Our mission is to facilitate these goals with the least effort to either the buyer or seller and to constantly create a conduit for safe effective transactions for our clients.
STS is a trading platform which has over $12 Billion in transactions over the last 16 years.
STS is an online e-procurement tool which saves organizations and government entities between of 20-30% and sometimes more.
STS creates creates streamlined procurement.
STS’s Micro Wells division has it’s own leases and providers and can supply to buyers as well as brokering sales.
STS utilizes upcoming legislation to build business and marketshare.
STS creates transnational transactions and facilitates exports.
STS is here to not only bring the best prices to our buyers but to facilitate transactions which are stable and well vetted. Our job in short is to make solid transactions with verified buyers and sellers. Our mission is to facilitate these goals with the least effort to either the buyer or seller and to constantly create a conduit for safe effective transactions for our clients.
Kwikwire
We offer various payment processing options designed to assist businesses in trading with customers and counterparts.
Local bank deposits and transfers
Credit card payments processing
Crypto currencies deposits and conversions to fiat
Over the years we gained a lot of experience in payment services industry and are able to create various solutions for specific businesses and circumstances.
We are able to integrate various payment options to the merchant’s website and provide an online portal environment to assist in connecting business counterparts.
We offer various payment processing options designed to assist businesses in trading with customers and counterparts.
Local bank deposits and transfers
Credit card payments processing
Crypto currencies deposits and conversions to fiat
Over the years we gained a lot of experience in payment services industry and are able to create various solutions for specific businesses and circumstances.
We are able to integrate various payment options to the merchant’s website and provide an online portal environment to assist in connecting business counterparts.
MACROKIOSK
MACROKIOSK is an enterprise solutions platform market leader in Asia, helping businesses of all sizes and industries to acquire, grow and retain customers effectively with BOLD..
MACROKIOSK is an enterprise solutions platform market leader in Asia, helping businesses of all sizes and industries to acquire, grow and retain customers effectively with BOLD..
ВелПей
VelPay — is a versatile payment ecosystem for business that integrates both fiat and cryptocurrency channels. The platform allows you to accept payments, execute mass payouts, and manage transactions through a single dashboard, ensuring speed, multi-routing, and security for global settlements.
VelPay — is a versatile payment ecosystem for business that integrates both fiat and cryptocurrency channels. The platform allows you to accept payments, execute mass payouts, and manage transactions through a single dashboard, ensuring speed, multi-routing, and security for global settlements.
Unitedpay
Since 2018, UnitedPay, a holder of the MSB Canada License, has offered local alternative payments solutions to igaming, forex and other high-risk verticals. Our payment channels currently include India, Bangladesh, Pakistan, Egypt, Kenya, Tanzania, South Africa, Brazil, Vietnam, Indonesi, Mexico, Colombia, Argentina, Thailand, Philippines, Malaysia
Since 2018, UnitedPay, a holder of the MSB Canada License, has offered local alternative payments solutions to igaming, forex and other high-risk verticals. Our payment channels currently include India, Bangladesh, Pakistan, Egypt, Kenya, Tanzania, South Africa, Brazil, Vietnam, Indonesi, Mexico, Colombia, Argentina, Thailand, Philippines, Malaysia
Zafin
Founded in 2002, Zafin is a leading provider of SaaS core modernization and transformation solutions offering an integrated platform and capabilities that simplify operations and enable increased revenue, profitability, and enhanced customer experiences for top banks worldwide. Our platform enables business users to work collaboratively to design and manage pricing, products, and packages, while technologists streamline core banking systems.
With Zafin, banks accelerate time to market for new products and offers while lowering the cost of change and achieving tangible business and risk outcomes. The Zafin platform increases business agility while enabling personalized pricing and dynamic responses to evolving customer and market needs.
Zafin is headquartered in Vancouver, Canada, with offices and customers around the globe including ING, CIBC, HSBC, Wells Fargo, PNC, and ANZ
Founded in 2002, Zafin is a leading provider of SaaS core modernization and transformation solutions offering an integrated platform and capabilities that simplify operations and enable increased revenue, profitability, and enhanced customer experiences for top banks worldwide. Our platform enables business users to work collaboratively to design and manage pricing, products, and packages, while technologists streamline core banking systems.
With Zafin, banks accelerate time to market for new products and offers while lowering the cost of change and achieving tangible business and risk outcomes. The Zafin platform increases business agility while enabling personalized pricing and dynamic responses to evolving customer and market needs.
Zafin is headquartered in Vancouver, Canada, with offices and customers around the globe including ING, CIBC, HSBC, Wells Fargo, PNC, and ANZ
Paynovate
From acquiring and IBAN accounts to card issuing and embedded finance, Paynovate helps fintechs, platforms, POS partners, resellers, and digital businesses build, manage, and scale the way money moves.
From acquiring and IBAN accounts to card issuing and embedded finance, Paynovate helps fintechs, platforms, POS partners, resellers, and digital businesses build, manage, and scale the way money moves.
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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.
