Atlas
Chynge
Cross-border payments and remittances are slow, expensive and fraught with regulatory restrictions. Chynge applies financial technology including artificial intelligence and machine learning, big data, cloud computing, distributed ledger technology (DLT), and facial recognition to create new business models, new financial products, and new customer experiences to change the way we consume financial services.
Chynge Central, our flagship product, is a decentralized software service to manage money transfers that are instant, free, and safe. Chynge has a unique multi-sided payments business, in which a large, closed-loop money transfer network connects both senders and recipients.
Chynge democratizes payments by making them instant, free, and safe. Chynge mitigates regulatory risks related to money laundering, terrorism financing, corruption and other financial crimes.
Cross-border payments and remittances are slow, expensive and fraught with regulatory restrictions. Chynge applies financial technology including artificial intelligence and machine learning, big data, cloud computing, distributed ledger technology (DLT), and facial recognition to create new business models, new financial products, and new customer experiences to change the way we consume financial services.
Chynge Central, our flagship product, is a decentralized software service to manage money transfers that are instant, free, and safe. Chynge has a unique multi-sided payments business, in which a large, closed-loop money transfer network connects both senders and recipients.
Chynge democratizes payments by making them instant, free, and safe. Chynge mitigates regulatory risks related to money laundering, terrorism financing, corruption and other financial crimes.
Conotoxia
Conotoxia is a brand that brings together Conotoxia Holding's fast-growing global fintech companies, specialising in providing innovative financial services. On the web portal conotoxia.com, users can conveniently exchange currencies, send international money transfers, order and manage multi-currency cards, or use the in-house developed payment gateway system Conotoxia Pay. The fintech also offers multi-currency loans and complex investment services.
Conotoxia is a brand that brings together Conotoxia Holding's fast-growing global fintech companies, specialising in providing innovative financial services. On the web portal conotoxia.com, users can conveniently exchange currencies, send international money transfers, order and manage multi-currency cards, or use the in-house developed payment gateway system Conotoxia Pay. The fintech also offers multi-currency loans and complex investment services.
Currencyfair
CurrencyFair solves the pain experienced by anyone that needs to send money abroad. Expats, overseas home-owners, and SMEs typically pay large spreads (up to and even exceeding 5%) and high international transfer fees of around €25 on every payment.
CurrencyFair helps its customer access the real exchange rate, while charging a small transparent margin on each transaction. While this charge varies depending on which currencies are being exchanged, the average margin is around 0.53% of the overall trade. In addition there is a small fee of €3 when transferring money out of your account.
Crucially, our pricing is consistent. This means that you’ll get the same great offer whether it’s your first or fifty-first transaction. Our average margin is just 0.53%, so you can be sure you’re getting a competitive rate. In our market, by choosing quick trade, you are guaranteed the best rate available right now.
CurrencyFair solves the pain experienced by anyone that needs to send money abroad. Expats, overseas home-owners, and SMEs typically pay large spreads (up to and even exceeding 5%) and high international transfer fees of around €25 on every payment.
CurrencyFair helps its customer access the real exchange rate, while charging a small transparent margin on each transaction. While this charge varies depending on which currencies are being exchanged, the average margin is around 0.53% of the overall trade. In addition there is a small fee of €3 when transferring money out of your account.
Crucially, our pricing is consistent. This means that you’ll get the same great offer whether it’s your first or fifty-first transaction. Our average margin is just 0.53%, so you can be sure you’re getting a competitive rate. In our market, by choosing quick trade, you are guaranteed the best rate available right now.
Currency-one
Currency One SA is one of the largest companies in the online currency exchange market in Poland. It was created through the merger of the first peer-to-peer currency exchange platform – Walutomat.pl – and the first online currency exchange office – Internetowykantor.pl. Both platforms enable fast and secure currency exchange.
Nearly one million customers have already placed their trust in Currency One, exchanging tens of millions of euros, dollars, pounds, francs, and many other currencies every month.
Currency One was awarded 2nd place in the “Most Desired Employers” ranking in the "Internet, New Media, E-Commerce" category.
For over 12 years, the company has been developing modern financial solutions for both individual and business clients. It was the first in Poland – and likely in Europe – to enable online currency exchange, pioneer the use of pay-by-link deposits, and launch instant euro transfers within the SEPA Instant framework as the first Polish entity.
Currency One SA is one of the largest companies in the online currency exchange market in Poland. It was created through the merger of the first peer-to-peer currency exchange platform – Walutomat.pl – and the first online currency exchange office – Internetowykantor.pl. Both platforms enable fast and secure currency exchange.
Nearly one million customers have already placed their trust in Currency One, exchanging tens of millions of euros, dollars, pounds, francs, and many other currencies every month.
Currency One was awarded 2nd place in the “Most Desired Employers” ranking in the "Internet, New Media, E-Commerce" category.
For over 12 years, the company has been developing modern financial solutions for both individual and business clients. It was the first in Poland – and likely in Europe – to enable online currency exchange, pioneer the use of pay-by-link deposits, and launch instant euro transfers within the SEPA Instant framework as the first Polish entity.
Ecospend
Ecospend is a financial data and payments platform built exclusively for Open Finance since the inception of PSD2. We are accredited and authorised by the FCA as both an AISP (data services) and PISP (payment facilitation). Our proprietary and award-winning technology is the UK's cross-sector favourite in bringing instant and direct account-to-account payments to countless businesses and organisations.
Led by a group of experienced industry veterans from Banking, Payments, Technology and Digital Media, we have been building bespoke Open Finance ecosystems for businesses across multiple sectors since 2017.
As of January 2023, Ecospend is a wholly-owned subsidiary of the global account-to-account payments platform Trustly Group A.B., enabling us to offer the most compelling and competitive suite of open banking solutions in the market. Our mission is to fully leverage the myriad of opportunities brought by emerging Open Banking regulation in the UK, Europe and worldwide.
Ecospend is a financial data and payments platform built exclusively for Open Finance since the inception of PSD2. We are accredited and authorised by the FCA as both an AISP (data services) and PISP (payment facilitation). Our proprietary and award-winning technology is the UK's cross-sector favourite in bringing instant and direct account-to-account payments to countless businesses and organisations.
Led by a group of experienced industry veterans from Banking, Payments, Technology and Digital Media, we have been building bespoke Open Finance ecosystems for businesses across multiple sectors since 2017.
As of January 2023, Ecospend is a wholly-owned subsidiary of the global account-to-account payments platform Trustly Group A.B., enabling us to offer the most compelling and competitive suite of open banking solutions in the market. Our mission is to fully leverage the myriad of opportunities brought by emerging Open Banking regulation in the UK, Europe and worldwide.
Stonex
Connecting Clients to Markets.
StoneX Group Inc. (NASDAQ: SNEX) is an institutional-grade financial services franchise, offering advanced digital platforms, end-to-end clearing and execution services and global market expertise to our clients worldwide.
Connecting Clients to Markets.
StoneX Group Inc. (NASDAQ: SNEX) is an institutional-grade financial services franchise, offering advanced digital platforms, end-to-end clearing and execution services and global market expertise to our clients worldwide.
Valettapay
VallettaPay is a fully fledged global payments solution. We are a team of young and highly experienced individuals that strive to transform the legacy banking systems into a customer-oriented solution. VallettaPay safely provides global high tech payment solutions that will exceed your expectations.
VallettaPay is a fully fledged global payments solution. We are a team of young and highly experienced individuals that strive to transform the legacy banking systems into a customer-oriented solution. VallettaPay safely provides global high tech payment solutions that will exceed your expectations.
Metropaytech
Metro Payment Technologies is an industry leading A+ rated payment processor with over 25 years of experience in the business. We aim to deliver the most advanced, cost effective, customer oriented ePayment processing solutions to meet the needs of various industries nationwide.
As ePayment professionals, we are committed to providing exceptional payment processing products and services to our valued customers 24 hours-a-day, 7 days-a-week.
Metro Payment Technologies is an industry leading A+ rated payment processor with over 25 years of experience in the business. We aim to deliver the most advanced, cost effective, customer oriented ePayment processing solutions to meet the needs of various industries nationwide.
As ePayment professionals, we are committed to providing exceptional payment processing products and services to our valued customers 24 hours-a-day, 7 days-a-week.
Intergiro AB
Designing financial infrastructure for innovators and change-makers to build, adapt and thrive in our interconnected world. We offer embedded finance as well as smart business banking solutions.
Designing financial infrastructure for innovators and change-makers to build, adapt and thrive in our interconnected world. We offer embedded finance as well as smart business banking solutions.
OTT pay
OTT Pay is a global fintech company that is redefining the payment industry through the delivery of Alternative Payment Methods that embrace the diversity of our changing culture. Our exclusive World of Payments™ solution integrates acceptance of popular international e-wallets streamlined with major debit and credit card brands. We connect North American businesses with the tools to unlock growing ethnic markets by making it easier for their customers to pay. Our integrated suite of solutions encompass POS Terminals, E-commerce, and Loyalty SaaS tools to make everyday business easier.
OTT Pay is a subsidiary of OTT Financial Group, a diversified financial services group founded in 2006.
OTT Pay is a global fintech company that is redefining the payment industry through the delivery of Alternative Payment Methods that embrace the diversity of our changing culture. Our exclusive World of Payments™ solution integrates acceptance of popular international e-wallets streamlined with major debit and credit card brands. We connect North American businesses with the tools to unlock growing ethnic markets by making it easier for their customers to pay. Our integrated suite of solutions encompass POS Terminals, E-commerce, and Loyalty SaaS tools to make everyday business easier.
OTT Pay is a subsidiary of OTT Financial Group, a diversified financial services group founded in 2006.
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.
Paytrip
**PayTrip simplifies financial support and instant transfers between family and friends.**
Simple, secure, and accessible to everyone, the PayTrip app makes it easy to get an account with an IBAN and speeds up money transfers between Europe and Africa.
Support your loved ones financially in real time, anytime and anywhere in the world.
Download the mobile app now via the App Store or Google Play.
**PayTrip simplifies financial support and instant transfers between family and friends.**
Simple, secure, and accessible to everyone, the PayTrip app makes it easy to get an account with an IBAN and speeds up money transfers between Europe and Africa.
Support your loved ones financially in real time, anytime and anywhere in the world.
Download the mobile app now via the App Store or Google Play.
Uqpay
ounded in 2017, UQPay is a digital payment solution provider headquartered in Singapore with subsidiaries across Mainland China, Hong Kong, Malaysia and Indonesia. UQPay is a SWIFT member and connected to major card schemes including Visa, Mastercard, Unionpay International, JCB, American Express and Diners Club International and alternative payment providers.
We bridge the gap between traditional, siloed payment systems and the borderless transactions businesses need today.
Our cloud-based platform, powered by cutting-edge technology, is fully compliant with global regulations, empowering businesses with:
- Seamless integration: UQPay offers a complete one-stop integrated payment service with single-point access for full-scenario applications.
- One-stop platform: Manage all your international payments from a single, intuitive interface with flexible custom multi-channel payments.
ounded in 2017, UQPay is a digital payment solution provider headquartered in Singapore with subsidiaries across Mainland China, Hong Kong, Malaysia and Indonesia. UQPay is a SWIFT member and connected to major card schemes including Visa, Mastercard, Unionpay International, JCB, American Express and Diners Club International and alternative payment providers.
We bridge the gap between traditional, siloed payment systems and the borderless transactions businesses need today.
Our cloud-based platform, powered by cutting-edge technology, is fully compliant with global regulations, empowering businesses with:
- Seamless integration: UQPay offers a complete one-stop integrated payment service with single-point access for full-scenario applications.
- One-stop platform: Manage all your international payments from a single, intuitive interface with flexible custom multi-channel payments.
Merchantstronghold
Merchant Stronghold works with Online Business for their Payment Gateway, Business Formations and back end needs. We have many years of experience and understanding with retail and high risk businesses.
We have Mutually Partnered with Processing Companies , Acquirers, ISOs, MSPs, PSP Wallets and Direct Principal Members of Visa and Mastercard.
We work with a Variety of Businesses for their Direct Acquiring and Payment Gateway Assistance. This includes business registered in European 28 Countries, United Kingdom, Ireland , United States of America and Canada.
Merchant Stronghold works with Online Business for their Payment Gateway, Business Formations and back end needs. We have many years of experience and understanding with retail and high risk businesses.
We have Mutually Partnered with Processing Companies , Acquirers, ISOs, MSPs, PSP Wallets and Direct Principal Members of Visa and Mastercard.
We work with a Variety of Businesses for their Direct Acquiring and Payment Gateway Assistance. This includes business registered in European 28 Countries, United Kingdom, Ireland , United States of America and Canada.
PayWay
Experience. Payway has over 35 years experience in subscription payment service and provides the tools necessary to set-up recurring payments so you can concentrate on what’s important – growing subscription revenue and building your customer base.
PCI-Validated P2PE. The best way to ensure your customer is protected with a recurring payment gateway that is both certified and PCI-compliant. Account Updater. This is a must for any recurring payment business. This critical subscription payment service feature queries the banks regularly to ensure the card data is correct, cutting down on decline rates and reducing churn.
Automated Level III Processing. Auto-detects and fills in information necessary for corporate and procurement cards to process at a lower interchange rate – oftentimes leading to significant savings.
Multiple payment methods. Payway works with multiple payment methods, going beyond your typical charge and credit cards.
Experience. Payway has over 35 years experience in subscription payment service and provides the tools necessary to set-up recurring payments so you can concentrate on what’s important – growing subscription revenue and building your customer base.
PCI-Validated P2PE. The best way to ensure your customer is protected with a recurring payment gateway that is both certified and PCI-compliant. Account Updater. This is a must for any recurring payment business. This critical subscription payment service feature queries the banks regularly to ensure the card data is correct, cutting down on decline rates and reducing churn.
Automated Level III Processing. Auto-detects and fills in information necessary for corporate and procurement cards to process at a lower interchange rate – oftentimes leading to significant savings.
Multiple payment methods. Payway works with multiple payment methods, going beyond your typical charge and credit cards.
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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.
