Atlas
SPECTRA MERCHANT SERVICES
SPECTRA Merchant Services Ltd. (hereinafter referred to as “SMS”), a wholly owned subsidiary of SPECTRA Technologies Holdings Company Ltd., was established in 2017 to serve the Hong Kong payment industry. Foreseeing more and more new payment facilities will be implemented in Hong Kong, SMS takes the role to gear our latest payment product with new payment solution integrated with our terminal management system, to provide a better merchant service and new experience to all merchants and consumers.
SPECTRA Merchant Services Ltd. (hereinafter referred to as “SMS”), a wholly owned subsidiary of SPECTRA Technologies Holdings Company Ltd., was established in 2017 to serve the Hong Kong payment industry. Foreseeing more and more new payment facilities will be implemented in Hong Kong, SMS takes the role to gear our latest payment product with new payment solution integrated with our terminal management system, to provide a better merchant service and new experience to all merchants and consumers.
Phi Commerce Private
Founded in 2015, Phi Commerce has created PayPhi, a ground-breaking omni-channel payment processing platform which processes digital payments at doorstep, online & in-store across variety of form factors such as cards, net-banking, UPI, Aadhaar, BharatQR, wallets, NEFT, RTGS, and NACH. The company was established with the objective to digitize white spaces in payments & go beyond routine payment processing.
Phi Commerce’s PayPhi Digital Enablement suite has been developed with the mission of empowering very large untapped blue-ocean sectors dominated by offline payment modes such as cash & cheque to accept digital payments.
Custom built enablers around PayPhi, help businesses create, present and process digital payments. Our solutions take into consideration legacy systems and complex workflows of businesses, use case, stakeholders in payment ecosystem such as merchants, consumers, banks, networks and ancillary players etc.
Founded in 2015, Phi Commerce has created PayPhi, a ground-breaking omni-channel payment processing platform which processes digital payments at doorstep, online & in-store across variety of form factors such as cards, net-banking, UPI, Aadhaar, BharatQR, wallets, NEFT, RTGS, and NACH. The company was established with the objective to digitize white spaces in payments & go beyond routine payment processing.
Phi Commerce’s PayPhi Digital Enablement suite has been developed with the mission of empowering very large untapped blue-ocean sectors dominated by offline payment modes such as cash & cheque to accept digital payments.
Custom built enablers around PayPhi, help businesses create, present and process digital payments. Our solutions take into consideration legacy systems and complex workflows of businesses, use case, stakeholders in payment ecosystem such as merchants, consumers, banks, networks and ancillary players etc.
KCP
Korea Cyber Payment (KCP) offers secure, real-time internet payment services that connect with Korean banks, allowing customers to make online payments using local credit cards or direct bank transfers. Ideal for flights departing from Korea, KCP accepts payments exclusively in Korean Won (KRW) and requires full payment within two hours of booking to secure the reservation. By partnering with KCP, businesses can easily provide Korean customers with local payment options, enhancing accessibility and customer satisfaction.
KCP: reviews
Users appreciate KCP for its secure, real-time payment processing, which provides a smooth transaction experience for both local cards and bank transfers.
KCP: competitors
Good alternatives to KCP are KG Inicis, Toss Payments, and Kakao Pay.
Korea Cyber Payment (KCP) offers secure, real-time internet payment services that connect with Korean banks, allowing customers to make online payments using local credit cards or direct bank transfers. Ideal for flights departing from Korea, KCP accepts payments exclusively in Korean Won (KRW) and requires full payment within two hours of booking to secure the reservation. By partnering with KCP, businesses can easily provide Korean customers with local payment options, enhancing accessibility and customer satisfaction.
KCP: reviews
Users appreciate KCP for its secure, real-time payment processing, which provides a smooth transaction experience for both local cards and bank transfers.
KCP: competitors
Good alternatives to KCP are KG Inicis, Toss Payments, and Kakao Pay.
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.
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
FNB
First National Bank (FNB) offers a range of tailored business solutions designed to enhance financial management. FNB provides comprehensive services including flexible payment solutions, business loans, and cash management tools. Its advanced digital banking platform enables businesses to manage accounts, process transactions, and access real-time financial insights from anywhere. With a focus on innovation and customer support, FNB helps businesses streamline operations and achieve their financial goals effectively.
FNB: reviews
Customers appreciate the bank's responsive customer service and innovative solutions, which enhance financial efficiency and support business growth.
FNB: competitors
Consider Scotiabank, BCI, Citi, and Discover as key alternatives to FNB.
First National Bank (FNB) offers a range of tailored business solutions designed to enhance financial management. FNB provides comprehensive services including flexible payment solutions, business loans, and cash management tools. Its advanced digital banking platform enables businesses to manage accounts, process transactions, and access real-time financial insights from anywhere. With a focus on innovation and customer support, FNB helps businesses streamline operations and achieve their financial goals effectively.
FNB: reviews
Customers appreciate the bank's responsive customer service and innovative solutions, which enhance financial efficiency and support business growth.
FNB: competitors
Consider Scotiabank, BCI, Citi, and Discover as key alternatives to FNB.
Absa Group
Absa Group Limited (Absa) has forged a new way of getting things done, driven by bravery and passion, with the readiness to realise growth on the African continent and beyond.
We’re a truly African brand, inspired by the people we serve in Botswana, Ghana, Kenya, Mauritius, Mozambique, Seychelles, South Africa, Tanzania, Uganda, and Zambia. We also have representative offices in China, Namibia, Nigeria and the United States, as well as securities entities in the United Kingdom and the United States, along with technology support colleagues in the Czech Republic.
Absa Group Limited (Absa) has forged a new way of getting things done, driven by bravery and passion, with the readiness to realise growth on the African continent and beyond.
We’re a truly African brand, inspired by the people we serve in Botswana, Ghana, Kenya, Mauritius, Mozambique, Seychelles, South Africa, Tanzania, Uganda, and Zambia. We also have representative offices in China, Namibia, Nigeria and the United States, as well as securities entities in the United Kingdom and the United States, along with technology support colleagues in the Czech Republic.
DPS
DPS is uniquely capable of linking the complexity of pension and asset management with the goals of employers, pension funds, (former) employees, and retirees. DPS is the integrated service provider for pension funds. We support pension fund boards in their governance processes, provide advice on asset management, actuarial matters, pensions, communication, risk management, and audit. In addition, we handle investments, pension administration, and pension communication in-house, as well as financial and investment administration for our pension fund clients. This full-service offering is unique in the Netherlands.
DPS is uniquely capable of linking the complexity of pension and asset management with the goals of employers, pension funds, (former) employees, and retirees. DPS is the integrated service provider for pension funds. We support pension fund boards in their governance processes, provide advice on asset management, actuarial matters, pensions, communication, risk management, and audit. In addition, we handle investments, pension administration, and pension communication in-house, as well as financial and investment administration for our pension fund clients. This full-service offering is unique in the Netherlands.
Cashsentinel
Your one-stop shop for contracting and payments.
CashSentinel helps you formalize and validate deals, secure funds, trigger payments, and streamline collaboration — all in one compliant platform.
We process hundreds of millions in payment flows each year for intermediaries, brokers, contractors, and financing entities — across industries like automotive sales, renovation and construction, and marketplaces.
Our solution, MyPortal, is a turnkey, white-label service combining digital contracting, client onboarding, KYC, escrow, payment splitting, and payouts — built to simplify complex transactions and accelerate trust between all parties.
Your one-stop shop for contracting and payments.
CashSentinel helps you formalize and validate deals, secure funds, trigger payments, and streamline collaboration — all in one compliant platform.
We process hundreds of millions in payment flows each year for intermediaries, brokers, contractors, and financing entities — across industries like automotive sales, renovation and construction, and marketplaces.
Our solution, MyPortal, is a turnkey, white-label service combining digital contracting, client onboarding, KYC, escrow, payment splitting, and payouts — built to simplify complex transactions and accelerate trust between all parties.
Cfszipp
CFS-Zipp Limited has been in the e-money industry for over 19 years. We are a fully licensed E-Money Institution by the Financial Conduct authority (FRN: 900027). Today, we are working to provide cutting edge e-payment solutions to our customers. With an increasingly interconnected world, e-money solutions and easy-to-use online banking technology is fast growing to be the modern method of payments preferred by businesses and individuals around the world. Along with a network of ever-growing agents, CFS-Zipp wants to bring e-money to your fingertips.
CFS-Zipp Limited has been in the e-money industry for over 19 years. We are a fully licensed E-Money Institution by the Financial Conduct authority (FRN: 900027). Today, we are working to provide cutting edge e-payment solutions to our customers. With an increasingly interconnected world, e-money solutions and easy-to-use online banking technology is fast growing to be the modern method of payments preferred by businesses and individuals around the world. Along with a network of ever-growing agents, CFS-Zipp wants to bring e-money to your fingertips.
Currenciesdirect
Winning Money Transfer Provider of the Year at the 2021 MoneyAge Awards, Currencies Direct stands out in the foreign exchange industry for its unique combination of payments technology and personalised support from a team of experienced professionals. Established in 1996 Currencies Direct was the first non-bank foreign exchange provider in Europe. Today we’ve helped over 425,000 customers, offering straightforward payments solutions to businesses operating in international markets. With detailed market insight and expert consultation, we help our customers mitigate the risks associated with currency exposure, make smarter currency management decisions and expand their businesses globally.
Winning Money Transfer Provider of the Year at the 2021 MoneyAge Awards, Currencies Direct stands out in the foreign exchange industry for its unique combination of payments technology and personalised support from a team of experienced professionals. Established in 1996 Currencies Direct was the first non-bank foreign exchange provider in Europe. Today we’ve helped over 425,000 customers, offering straightforward payments solutions to businesses operating in international markets. With detailed market insight and expert consultation, we help our customers mitigate the risks associated with currency exposure, make smarter currency management decisions and expand their businesses globally.
Corpay
Global businesses trust Corpay Cross-Border to power their international payments, execute plans to manage their currency risk and support their growth around the world. We aim to deliver unmatched service and expertise with respect to moving money globally. Utilizing our proprietary payment automation technology and currency risk mitigation solutions, we take pride in connecting companies large and small with the global financial markets and businesses all over the world.
We partner with more than 100 correspondent banks and counterparty trading institutions in 6 continents comprising a vast and efficient network of payment gateways and in-country processing networks. we make payments globally, leveraging local relationships.
Corpay Cross-Border is the exclusive provider of industry-leading currency risk management and integrated commercial cross-border payments solutions distributed to Mastercard’s financial institution customers.
Global businesses trust Corpay Cross-Border to power their international payments, execute plans to manage their currency risk and support their growth around the world. We aim to deliver unmatched service and expertise with respect to moving money globally. Utilizing our proprietary payment automation technology and currency risk mitigation solutions, we take pride in connecting companies large and small with the global financial markets and businesses all over the world.
We partner with more than 100 correspondent banks and counterparty trading institutions in 6 continents comprising a vast and efficient network of payment gateways and in-country processing networks. we make payments globally, leveraging local relationships.
Corpay Cross-Border is the exclusive provider of industry-leading currency risk management and integrated commercial cross-border payments solutions distributed to Mastercard’s financial institution customers.
Franx
ABN AMRO Franx offers a unique digital banking platform where currencies can be converted and international & euro payments can be executed. On the Franx platform, you will receive an ABN AMRO multi-currency (IBAN) account with which you can manage 34 currencies.
ABN AMRO Franx offers a unique digital banking platform where currencies can be converted and international & euro payments can be executed. On the Franx platform, you will receive an ABN AMRO multi-currency (IBAN) account with which you can manage 34 currencies.
Londonandzurich
London & Zurich are a Direct Debit provider who specialise in the provision of Direct Debit and Card Payment collection facilities to a variety of companies across a range of sectors, ranging from small businesses to large blue chip organisations.
Our online Direct Debit systems are designed to make it easier, more efficient and more secure for companies to collect payments from their customers.
Direct Debit is the most secure and cost-effective way to collect payments, and is used across a variety of industries by companies who are looking for a quick and safe way to process funds. With over 15 years of industry experience, London & Zurich are the experts in providing direct debit for small and large businesses. We specialise in helping our customers make the most of Direct Debit.
Fully secure and cloud based, our system will enable you to make Direct Debit collections without the administration, paperwork and personnel costs associated with cash or cheque payments.
London & Zurich are a Direct Debit provider who specialise in the provision of Direct Debit and Card Payment collection facilities to a variety of companies across a range of sectors, ranging from small businesses to large blue chip organisations.
Our online Direct Debit systems are designed to make it easier, more efficient and more secure for companies to collect payments from their customers.
Direct Debit is the most secure and cost-effective way to collect payments, and is used across a variety of industries by companies who are looking for a quick and safe way to process funds. With over 15 years of industry experience, London & Zurich are the experts in providing direct debit for small and large businesses. We specialise in helping our customers make the most of Direct Debit.
Fully secure and cloud based, our system will enable you to make Direct Debit collections without the administration, paperwork and personnel costs associated with cash or cheque payments.
Monese
We’re reimagining the way banking works.
We make it easy to manage your money – wherever you are in the world. We create financial freedom for all of us who live, work, travel, study or send money abroad.
We’re the mobile app alternative to the banks, offering accounts you can open instantly so that you don’t lose access to the money you need every time you cross a border on a map.
We’re here for everyone, not just for those with perfect credit scores or the right set of utility bills.
We’re reimagining the way banking works.
We make it easy to manage your money – wherever you are in the world. We create financial freedom for all of us who live, work, travel, study or send money abroad.
We’re the mobile app alternative to the banks, offering accounts you can open instantly so that you don’t lose access to the money you need every time you cross a border on a map.
We’re here for everyone, not just for those with perfect credit scores or the right set of utility bills.
Powered by
Ready to integrate a specific service or payment feature?
Share your project details, budget, and timeline—we’ll handle the matchmaking.
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.
