Atlas
BUD
Bud Financial (“Bud”) enriches financial data, identifying the likes of merchant, category, location and regularity of transactions, to provide actionable insights and readable inputs for LLMs in the financial services industry.
Scaling rapidly, Bud has been a trailblazer in its use of AI since 2015. The company has enabled banks and fintechs worldwide to get customer context from their transaction data so they can personalize the banking experience, proactively manage risk and optimize their business operations.
With tens of billions of transactions processed, Bud’s market-leading transactional enrichment, categorization and analysis helps financial institutions to become intelligent enterprises, fully harnessing their customer data and finding new, data-driven opportunities to grow.
Bud Financial (“Bud”) enriches financial data, identifying the likes of merchant, category, location and regularity of transactions, to provide actionable insights and readable inputs for LLMs in the financial services industry.
Scaling rapidly, Bud has been a trailblazer in its use of AI since 2015. The company has enabled banks and fintechs worldwide to get customer context from their transaction data so they can personalize the banking experience, proactively manage risk and optimize their business operations.
With tens of billions of transactions processed, Bud’s market-leading transactional enrichment, categorization and analysis helps financial institutions to become intelligent enterprises, fully harnessing their customer data and finding new, data-driven opportunities to grow.
Enumis
Enumis support a myriad of business and corporate solutions. From card based to eWallets and virtual and real current accounts
Enumis support a myriad of business and corporate solutions. From card based to eWallets and virtual and real current accounts
Fintecture
Fintecture is transforming bank transfer payments to help merchants unlock their revenue, regardless of the purchasing context** (online, in-store, or remote) and their customer profile (B2C / B2B).
We’ve developed complementary bank transfer solutions to simplify your collections:
> **Instant Transfer**: a simplified payment through payment initiation
>
> **Smart Transfer**: an automatically reconciled bank transfer
We also offer a **Verified Payout** solution to credit your customers easily and securely (for refunds and payouts).
Fintecture has over one million payers and works with major brands such as Leroy Merlin, Auchan, Bricoman, Maisons du Monde, Edenred, and CMA CGM.
Fintecture is transforming bank transfer payments to help merchants unlock their revenue, regardless of the purchasing context** (online, in-store, or remote) and their customer profile (B2C / B2B).
We’ve developed complementary bank transfer solutions to simplify your collections:
> **Instant Transfer**: a simplified payment through payment initiation
>
> **Smart Transfer**: an automatically reconciled bank transfer
We also offer a **Verified Payout** solution to credit your customers easily and securely (for refunds and payouts).
Fintecture has over one million payers and works with major brands such as Leroy Merlin, Auchan, Bricoman, Maisons du Monde, Edenred, and CMA CGM.
Finseta
At Finseta, we provide businesses and individuals with international payments and currency management solutions. Our Multi-Currency Accounts are backed by the Finseta Global Payments Network allowing our customers to send funds to over 165 countries in 140+ currencies.
At Finseta, we provide businesses and individuals with international payments and currency management solutions. Our Multi-Currency Accounts are backed by the Finseta Global Payments Network allowing our customers to send funds to over 165 countries in 140+ currencies.
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.
Neonomics
Neonomics is at the forefront of open banking and redefining the world of payments and financial data. Originally from the Nordics but working with businesses across the U.K and Europe, Neonomics is delivering secure and cost-effective financial services designed with the customer experience at the core. Frustrated with legacy financial services, Christoffer Andvig founded the company in 2017.
Authorized by the Norwegian FSA as a licensed payment institution across Europe, Neonomics is delivering payments initiation and account information services to a wide range of businesses, proving better financial solutions are what's needed to stay competitive in today's market.
Neonomics is at the forefront of open banking and redefining the world of payments and financial data. Originally from the Nordics but working with businesses across the U.K and Europe, Neonomics is delivering secure and cost-effective financial services designed with the customer experience at the core. Frustrated with legacy financial services, Christoffer Andvig founded the company in 2017.
Authorized by the Norwegian FSA as a licensed payment institution across Europe, Neonomics is delivering payments initiation and account information services to a wide range of businesses, proving better financial solutions are what's needed to stay competitive in today's market.
Novemberfirst
November First is improving the payment and bookkeeping process, by adding a more direct and automatized form of payment, without compromising safety, speed and customer satisfaction. We launched our payment platform in Denmark on 1st November 2016, and are now taking a global step towards making it more convenient for businesses around the world, to make their local and cross-border payments easier and less time-consuming all while saving money!
* Pay all your company’s supplier invoices from your accounting system or directly from our portal, without having to log into online banking.
Gain better control and overview of your company’s payments and an accounting system that is updated in real-time with postings and exchange rates.
*Deliver a better service to your customers. You are now able to significantly streamline the amount of time spent processing supplier invoices.
November First is improving the payment and bookkeeping process, by adding a more direct and automatized form of payment, without compromising safety, speed and customer satisfaction. We launched our payment platform in Denmark on 1st November 2016, and are now taking a global step towards making it more convenient for businesses around the world, to make their local and cross-border payments easier and less time-consuming all while saving money!
* Pay all your company’s supplier invoices from your accounting system or directly from our portal, without having to log into online banking.
Gain better control and overview of your company’s payments and an accounting system that is updated in real-time with postings and exchange rates.
*Deliver a better service to your customers. You are now able to significantly streamline the amount of time spent processing supplier invoices.
Payments company
At Payments Company our founders come from a broad range of financial services backgrounds. Our experience enables us to recognise that the main recurring challenge customers in various sectors face is not being able to source the solution that fits their needs.
Payments Company’s main objective is to deliver a fresh approach based on your requirements. Our customer centric approach with no product partner affiliation enables us to make an honest appraisal of your needs and to build a solution to support your specific objectives.
At Payments Company our founders come from a broad range of financial services backgrounds. Our experience enables us to recognise that the main recurring challenge customers in various sectors face is not being able to source the solution that fits their needs.
Payments Company’s main objective is to deliver a fresh approach based on your requirements. Our customer centric approach with no product partner affiliation enables us to make an honest appraisal of your needs and to build a solution to support your specific objectives.
Paytop
PayTop’s Promise: Innovative, simplified financial services at the best price!
PayTop, a French startup founded in 2012, is the French leader in international online payment services. PayTop offers a range of services (money transfers, currency exchange, and a multi-currency payment card) that allow the general public to send money and make payments anywhere in the world — easily, securely, and at the best rates. The company is backed by Truffle Capital, a key shareholder in the FinTech sector.
PayTop’s Promise: Innovative, simplified financial services at the best price!
PayTop, a French startup founded in 2012, is the French leader in international online payment services. PayTop offers a range of services (money transfers, currency exchange, and a multi-currency payment card) that allow the general public to send money and make payments anywhere in the world — easily, securely, and at the best rates. The company is backed by Truffle Capital, a key shareholder in the FinTech sector.
Paytah
Phoenix Payments Ltd - PAYTAH Payment Solutions is a fully licensed financial institution regulated by the Malta Financial Services Authority (MFSA) and has passported its activity to all 28 EU and EEA member states. We operate under the legal framework of the European Payment Services Directive established to provide safer and more innovative payment services across the EU.
Phoenix Payments Ltd - PAYTAH Payment Solutions is a fully licensed financial institution regulated by the Malta Financial Services Authority (MFSA) and has passported its activity to all 28 EU and EEA member states. We operate under the legal framework of the European Payment Services Directive established to provide safer and more innovative payment services across the EU.
Xpollens
Xpollens is the Banking-as-a-Service (BaaS) platform of Groupe BPCE, specializing in embedded payment solutions. Harnessing the power of next-generation payments, we make life easier for Finance and Payments teams, automate processes, improve the customer experience and boost revenue all round, through a simple API integration. Our suite of white-label financial tools encompasses account opening and management, Visa card issuance, pay-in and pay-out capabilities.
Thanks to our API and EMI license (Electronic Money Instution), seamlessly integrating digital financial products into your operations and offerings becomes a hassle-free endeavor, eliminating concerns about regulatory complexities.
Xpollens is the Banking-as-a-Service (BaaS) platform of Groupe BPCE, specializing in embedded payment solutions. Harnessing the power of next-generation payments, we make life easier for Finance and Payments teams, automate processes, improve the customer experience and boost revenue all round, through a simple API integration. Our suite of white-label financial tools encompasses account opening and management, Visa card issuance, pay-in and pay-out capabilities.
Thanks to our API and EMI license (Electronic Money Instution), seamlessly integrating digital financial products into your operations and offerings becomes a hassle-free endeavor, eliminating concerns about regulatory complexities.
Veracash
Veracash is an online account backed by physical precious metals, stored in a highly secure vault and outside the banking system.
The precious metals are accessible at any time through the Mastercard® card, free of charge and without commissions, anywhere in the world.
Veracash offers a secure savings option that is not fixed and makes the possession of physical gold liquid.
Veracash is a fintech recognized in the professional world, with a track record of awards and media coverage, including the "Mentor" and "Legend" trophies at the Blue Ocean Awards (2017 and 2019), the "Instant Payment" trophy at PayFORUM (2017), and continuous presence in the FrenchWeb 500 ranking since 2016.
Veracash is an online account backed by physical precious metals, stored in a highly secure vault and outside the banking system.
The precious metals are accessible at any time through the Mastercard® card, free of charge and without commissions, anywhere in the world.
Veracash offers a secure savings option that is not fixed and makes the possession of physical gold liquid.
Veracash is a fintech recognized in the professional world, with a track record of awards and media coverage, including the "Mentor" and "Legend" trophies at the Blue Ocean Awards (2017 and 2019), the "Instant Payment" trophy at PayFORUM (2017), and continuous presence in the FrenchWeb 500 ranking since 2016.
Weststeincard
WestStein Mastercard is a prepaid debit card with an online bank account that allows you to make money transfers, withdraw cash, and shop online and offline all over the world with friendly fees.
The IBAN account is issued without a credit history check and is suited for all incoming and outgoing payments, including SEPA. The card can be topped up in several ways, including with a prepaid voucher.
With WestStein Mastercard your online purchases are safe and discreet, as your account is not linked to your local bank.
Great for controlling your budget as you can only spend what you have loaded on the card. WestStein Mastercard is also the perfect solution for managing your family’s financial needs as you can link up to three cards to the main account.
The user-friendly WestStein client portal and mobile app let you swiftly send and receive payments and check your balance from any location in the world.
WestStein Mastercard is a prepaid debit card with an online bank account that allows you to make money transfers, withdraw cash, and shop online and offline all over the world with friendly fees.
The IBAN account is issued without a credit history check and is suited for all incoming and outgoing payments, including SEPA. The card can be topped up in several ways, including with a prepaid voucher.
With WestStein Mastercard your online purchases are safe and discreet, as your account is not linked to your local bank.
Great for controlling your budget as you can only spend what you have loaded on the card. WestStein Mastercard is also the perfect solution for managing your family’s financial needs as you can link up to three cards to the main account.
The user-friendly WestStein client portal and mobile app let you swiftly send and receive payments and check your balance from any location in the world.
Windcave
Established in 1999 in New Zealand, Windcave stands as a high-growth, innovative leader in payment technology.
We offer a seamless, global platform catering to diverse clientele including corporate, banking, and SMEs. By consolidating payment needs through a single provider, Windcave streamlines payment processes, ensuring superior experiences for countless global brands. Our services span online, in-store, and unattended environments, boasting features such as global acquiring, tokenization, data insights, cross-border services, and support for all popular payment methods.
Established in 1999 in New Zealand, Windcave stands as a high-growth, innovative leader in payment technology.
We offer a seamless, global platform catering to diverse clientele including corporate, banking, and SMEs. By consolidating payment needs through a single provider, Windcave streamlines payment processes, ensuring superior experiences for countless global brands. Our services span online, in-store, and unattended environments, boasting features such as global acquiring, tokenization, data insights, cross-border services, and support for all popular payment methods.
Tunzer
Founded by industry professionals with extensive experience in finance, e-commerce, crypto and banking, Tunzer combines the best market practices to develop efficient business operations and unorthodox solutions tailored to your needs.
Founded by industry professionals with extensive experience in finance, e-commerce, crypto and banking, Tunzer combines the best market practices to develop efficient business operations and unorthodox solutions tailored to your needs.
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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.
