Atlas
Toppayy
We are a new form of payment. Through a digital wallet, we offer exclusive discounts and add value to your brand. The objective is for our clients to fulfill their life plans with happiness, well-being and sustainability. Count on benefits, such as cashback and discounts, increasing your customers’ purchasing power. With TopDicas, he will be able to access social transformation information about financial education, entrepreneurship and mental health, all in the TopPayy app.
We are a new form of payment. Through a digital wallet, we offer exclusive discounts and add value to your brand. The objective is for our clients to fulfill their life plans with happiness, well-being and sustainability. Count on benefits, such as cashback and discounts, increasing your customers’ purchasing power. With TopDicas, he will be able to access social transformation information about financial education, entrepreneurship and mental health, all in the TopPayy app.
Novatum
NOVATUM is a FinTech platform that aims to unite the most modern and popular in-demand payment services around the world. We use our own core banking system called N-System. We are developing new payment methods, technical advancements and financial services. We cooperate with leading European and international financial institutions and banks. We continue to upgrade and expand the range of payment methods available to our customers. We do what others think is the impossible.
NOVATUM is a FinTech platform that aims to unite the most modern and popular in-demand payment services around the world. We use our own core banking system called N-System. We are developing new payment methods, technical advancements and financial services. We cooperate with leading European and international financial institutions and banks. We continue to upgrade and expand the range of payment methods available to our customers. We do what others think is the impossible.
JSCB KapitalBank
Kapital Bank provides different banking services both for corporate clients and individuals. It has the widest network of branches throughout Azerbaijan, which gives it a competitive advantage when serving the customers doing business in Baku and in the regions. Kapital Bank renders services and finances to main industries of the economy, i.e. chemical and gas industries, agriculture, transportation, communications, and construction. Kapital Bank is the State Agent-Bank implementing major governmental and social programs.
Kapital Bank is viewed as highly trustworthy in the international arena. The Bank cooperates with the leading international financial institutions as Citibank N.A, Standard Chartered, Commerzbank AG, HSBC Bank, KBC Bank, World Savings Banks Institutе, etc. It holds the primary membership and the full package from MasterCard International and VISA International.
Kapital Bank provides different banking services both for corporate clients and individuals. It has the widest network of branches throughout Azerbaijan, which gives it a competitive advantage when serving the customers doing business in Baku and in the regions. Kapital Bank renders services and finances to main industries of the economy, i.e. chemical and gas industries, agriculture, transportation, communications, and construction. Kapital Bank is the State Agent-Bank implementing major governmental and social programs.
Kapital Bank is viewed as highly trustworthy in the international arena. The Bank cooperates with the leading international financial institutions as Citibank N.A, Standard Chartered, Commerzbank AG, HSBC Bank, KBC Bank, World Savings Banks Institutе, etc. It holds the primary membership and the full package from MasterCard International and VISA International.
Hitachi Payment Services
In the fast changing world of money and banking, we empower Banks and Fintechs with innovative and end-to-end payments and commerce solutions that create customer delight, drive profitability and most importantly, bring payment services closer to people.
As India’s foremost payments and commerce solutions provider, our offerings are designed to meet the ever-changing needs of our customers. With cutting-edge solutions, robust infrastructure and end-to-end services, we help our customers stay ahead of the curve.
In the fast changing world of money and banking, we empower Banks and Fintechs with innovative and end-to-end payments and commerce solutions that create customer delight, drive profitability and most importantly, bring payment services closer to people.
As India’s foremost payments and commerce solutions provider, our offerings are designed to meet the ever-changing needs of our customers. With cutting-edge solutions, robust infrastructure and end-to-end services, we help our customers stay ahead of the curve.
ECPay AS
ECPay AS is a debt collection company that specializes in helping businesses effectively manage outstanding receivables.
With a customer-oriented approach and high professionalism, we offer tailored debt collection services that help improve liquidity and reduce losses for our clients. Our expertise covers the full range of debt collection services, from payment reminders to legal action, all customized to ensure fast and efficient recovery. We understand the importance of maintaining good customer relationships, and therefore always work with respect and integrity in our collection processes.
At ECPay AS, we utilize modern technology and advanced systems to ensure that the collection process is as smooth and efficient as possible. Our dedicated team of experienced professionals is ready to support businesses across all industries with their unique debt management challenges.
ECPay AS is a debt collection company that specializes in helping businesses effectively manage outstanding receivables.
With a customer-oriented approach and high professionalism, we offer tailored debt collection services that help improve liquidity and reduce losses for our clients. Our expertise covers the full range of debt collection services, from payment reminders to legal action, all customized to ensure fast and efficient recovery. We understand the importance of maintaining good customer relationships, and therefore always work with respect and integrity in our collection processes.
At ECPay AS, we utilize modern technology and advanced systems to ensure that the collection process is as smooth and efficient as possible. Our dedicated team of experienced professionals is ready to support businesses across all industries with their unique debt management challenges.
Hecto Financial
Main services:
Firm banking:
A payment automation service for various expenses
- An automated payment service for various expenses without the hassle of unnecessary bank visits or internet banking
- Facilitates automatic withdrawal of various funds such as salaries, payments for goods/services and other expenses
Virtual account:
A deposit-only account allocated to a customer for easy payment collection
- Provides a comprehensive range of services from the initial issuance of virtual account to real-time or collective confirmation of customer deposits
- Allows collective consolidation and settlement of the completed deposit transactions by bank
Simple cash settlement:
A simple cash settlement service available after initial account registration
- A new type of settlement system, which utilizes the firm banking's real-time withdrawal and deposit functions
- Available for immediate use after a simple verification process that does not require either certificates or OTP
- Password authe
Main services:
Firm banking:
A payment automation service for various expenses
- An automated payment service for various expenses without the hassle of unnecessary bank visits or internet banking
- Facilitates automatic withdrawal of various funds such as salaries, payments for goods/services and other expenses
Virtual account:
A deposit-only account allocated to a customer for easy payment collection
- Provides a comprehensive range of services from the initial issuance of virtual account to real-time or collective confirmation of customer deposits
- Allows collective consolidation and settlement of the completed deposit transactions by bank
Simple cash settlement:
A simple cash settlement service available after initial account registration
- A new type of settlement system, which utilizes the firm banking's real-time withdrawal and deposit functions
- Available for immediate use after a simple verification process that does not require either certificates or OTP
- Password authe
BCASH S.A.
Bcash is a leading manufacturer and operator of Cryptocurrency ATMs
Bcash is a leading manufacturer and operator of Cryptocurrency ATMs
Albo
albo is an Electronic Payment Funds Institution (IFPE), authorized, regulated, and supervised in Mexico by the National Banking and Securities Commission (CNBV).
albo is an Electronic Payment Funds Institution (IFPE), authorized, regulated, and supervised in Mexico by the National Banking and Securities Commission (CNBV).
Betalo
Pay bills with your credit card
With Betalo, you can use your card to easily pay bills and send money to Swedish bank accounts.
Extend your payment period and collect bonus points and other rewards connected to your credit card, simply by paying your bills
Betalo is a Stockholm based FinTech startup aiming to become a leading mobile-first bank. Betalos mission is to simplify everyday financial use, while making it more personal and transparent.
Our team has an extensive technical and financial background, and we care deeply about making Betalo simple and secure to use.
Pay bills with your credit card
With Betalo, you can use your card to easily pay bills and send money to Swedish bank accounts.
Extend your payment period and collect bonus points and other rewards connected to your credit card, simply by paying your bills
Betalo is a Stockholm based FinTech startup aiming to become a leading mobile-first bank. Betalos mission is to simplify everyday financial use, while making it more personal and transparent.
Our team has an extensive technical and financial background, and we care deeply about making Betalo simple and secure to use.
GKG
Established in 2010 in the United Kingdom, GKG is a prominent financial holding company that focuses on digital banking, brokerage, and credit. The group companies also operate in the real estate, hospitality, private equity, and entertainment industries.
Based in Miami, the Group has strong presence in various countries across the globe. We value and promote diversity within our operations, embracing and celebrating the unique contributions of our team members. At our core, we prioritize and embrace the richness of different cultures and religions, ensuring that equality remains a guiding principle in all our business endeavors.
Established in 2010 in the United Kingdom, GKG is a prominent financial holding company that focuses on digital banking, brokerage, and credit. The group companies also operate in the real estate, hospitality, private equity, and entertainment industries.
Based in Miami, the Group has strong presence in various countries across the globe. We value and promote diversity within our operations, embracing and celebrating the unique contributions of our team members. At our core, we prioritize and embrace the richness of different cultures and religions, ensuring that equality remains a guiding principle in all our business endeavors.
Gocredible
GoCredible makes every payment solution smarter, more reliable, and more cost-effective
Why GoCredible?
The rapidly growing platform economy demands intelligent payment solutions that can effortlessly handle even complex payment situations. GoCredible provides tailored payment solutions for your specific needs. This includes KYC modules & analyses, third-party funds handling, multi-split payments, and supplying the right hardware to support your payment processes.
In addition, payment regulations are becoming increasingly strict. Entities that were previously able to operate under exemptions are now considered payment service providers by regulators—an activity that requires a comprehensive license.
GoCredible makes every payment solution smarter, more reliable, and more cost-effective
Why GoCredible?
The rapidly growing platform economy demands intelligent payment solutions that can effortlessly handle even complex payment situations. GoCredible provides tailored payment solutions for your specific needs. This includes KYC modules & analyses, third-party funds handling, multi-split payments, and supplying the right hardware to support your payment processes.
In addition, payment regulations are becoming increasingly strict. Entities that were previously able to operate under exemptions are now considered payment service providers by regulators—an activity that requires a comprehensive license.
Lew
The company's mission is to support business development at all points of sale throughout Poland.
This mission is carried out through products and services offered under the **Dobry Punkt** brand – **ELECTRONIC SALES SOLUTIONS**, which refers to services available on payment terminals.
Grupa Lew is also involved in the traditional distribution of **Pre-Paid** products.
**Grupa LEW S.A.** is the majority shareholder in **mPay S.A.**, a leading Polish provider of mobile payment (m-payment) solutions, operating in the market since 2003. mPay develops and advances innovative tools that enable financial transactions via mobile devices.
The company's mission is to support business development at all points of sale throughout Poland.
This mission is carried out through products and services offered under the **Dobry Punkt** brand – **ELECTRONIC SALES SOLUTIONS**, which refers to services available on payment terminals.
Grupa Lew is also involved in the traditional distribution of **Pre-Paid** products.
**Grupa LEW S.A.** is the majority shareholder in **mPay S.A.**, a leading Polish provider of mobile payment (m-payment) solutions, operating in the market since 2003. mPay develops and advances innovative tools that enable financial transactions via mobile devices.
Hbmoneytransfer
We are dedicated to establishing ourselves as the global market leader in the money transfer industry. Our mission is to deliver a swift, secure, and cost-effective money transfer experience to all our customers. Through relentless innovation and continuous improvement of our services tailored to customer needs, we aim for excellence. At our core, we are committed to not just meeting but exceeding your expectations, ensuring the fulfillment of every promise we make.
We are dedicated to establishing ourselves as the global market leader in the money transfer industry. Our mission is to deliver a swift, secure, and cost-effective money transfer experience to all our customers. Through relentless innovation and continuous improvement of our services tailored to customer needs, we aim for excellence. At our core, we are committed to not just meeting but exceeding your expectations, ensuring the fulfillment of every promise we make.
Unzer
Unzer digitalizes commerce with payment and software solutions that cover the entire merchant value chain. From online purchases and in-store mobile POS systems to final settlement and essential business processes, Unzer simplifies and optimizes retail operations. This all-in-one approach helps merchants manage their businesses more efficiently, providing their customers with a smooth and seamless shopping experience.
More than 85,000 merchants across Europe already use Unzer's ecosystem. The company employs around 750 people in eight offices in Germany, Austria, Denmark and Luxembourg.
Unzer digitalizes commerce with payment and software solutions that cover the entire merchant value chain. From online purchases and in-store mobile POS systems to final settlement and essential business processes, Unzer simplifies and optimizes retail operations. This all-in-one approach helps merchants manage their businesses more efficiently, providing their customers with a smooth and seamless shopping experience.
More than 85,000 merchants across Europe already use Unzer's ecosystem. The company employs around 750 people in eight offices in Germany, Austria, Denmark and Luxembourg.
Heoh
About HeoH:
HeoH is a French fintech that is strengthening the integration of digital payment and donation into people's daily lives. Regulated by the ACPR (French Prudential Supervision and Resolution Authority) through its Payment Institution, HeoH has developed an omnichannel platform and several high-value-added solutions for donations and payments, including:
* GoodTransaction: Enables users to make a donation directly on a merchant’s payment terminal, with just one click, regardless of the customer’s bank card.
* e-GoodTransaction**: Allows users to make a donation after an online purchase through a donation invitation pop-up that appears after payment.
* Donation kiosks**: These allow donations via bank card or smartphone. As powerful tools for communication and encouraging donations, they let users choose the donation amount, enter their email to receive a tax receipt, and select the cause they want to support.
About HeoH:
HeoH is a French fintech that is strengthening the integration of digital payment and donation into people's daily lives. Regulated by the ACPR (French Prudential Supervision and Resolution Authority) through its Payment Institution, HeoH has developed an omnichannel platform and several high-value-added solutions for donations and payments, including:
* GoodTransaction: Enables users to make a donation directly on a merchant’s payment terminal, with just one click, regardless of the customer’s bank card.
* e-GoodTransaction**: Allows users to make a donation after an online purchase through a donation invitation pop-up that appears after payment.
* Donation kiosks**: These allow donations via bank card or smartphone. As powerful tools for communication and encouraging donations, they let users choose the donation amount, enter their email to receive a tax receipt, and select the cause they want to support.
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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.
