Atlas
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he leading Open banking provider in Southeast Europe.
PSD-2 Licensed payment institutions offering account information and payment initiation services.
he leading Open banking provider in Southeast Europe.
PSD-2 Licensed payment institutions offering account information and payment initiation services.
XpressPay
At Xpress-pay.com, we believe the ePayment solution you offer should set you apart. That’s why we’ve always approached merchant services differently. By always working to improve our clients’ lives through technology, we have been able to build long-term, successful partnerships. Now, our suite of flexible, simple, and secure ePayment solutions pave the way for countless organizations to operate more efficiently and with less overhead. Particularly when accepting payments and donations online, via a mobile device, and by touchtone phone. Contact us today to begin experiencing the Xpress-pay difference for yourself
Systems East, Inc., owner/operator of Xpress-pay.com, was established in 1981, applying software technology to assist our clients and partners in effectively managing and growing their operations. In 2005, we released Xpress-pay.com, and later expanded it to include our secure digital wallet in 2011.
At Xpress-pay.com, we believe the ePayment solution you offer should set you apart. That’s why we’ve always approached merchant services differently. By always working to improve our clients’ lives through technology, we have been able to build long-term, successful partnerships. Now, our suite of flexible, simple, and secure ePayment solutions pave the way for countless organizations to operate more efficiently and with less overhead. Particularly when accepting payments and donations online, via a mobile device, and by touchtone phone. Contact us today to begin experiencing the Xpress-pay difference for yourself
Systems East, Inc., owner/operator of Xpress-pay.com, was established in 1981, applying software technology to assist our clients and partners in effectively managing and growing their operations. In 2005, we released Xpress-pay.com, and later expanded it to include our secure digital wallet in 2011.
GoCardLess
Welcome to the new era of payments. Collect one-off, automated, or recurring payments – directly from your customer's bank account to yours. Putting an end to late payments, chasing customers, stress, and expensive fees. It's just cash, flowing from one account to another. Join 100,000 businesses of all sizes, worldwide, who trust us to power their payments.
Welcome to the new era of payments. Collect one-off, automated, or recurring payments – directly from your customer's bank account to yours. Putting an end to late payments, chasing customers, stress, and expensive fees. It's just cash, flowing from one account to another. Join 100,000 businesses of all sizes, worldwide, who trust us to power their payments.
Cardaq Limited
Go ahead and privilege yourself with accepting and processing transparent payments globally.
Established in October 2011, we are operating in the market for more than 12 years of experience and have excellence.
Go ahead and privilege yourself with accepting and processing transparent payments globally.
Established in October 2011, we are operating in the market for more than 12 years of experience and have excellence.
Sefide
SEFIDE EDE SLU is an Electronic Money Institution licensed by the Bank of Spain and registered in the Official Register of Entities with Code B.E. 6705. It provides companies with solutions to meet their legal and regulatory obligations regarding electronic money and offers them core banking support.
SEFIDE EDE SLU is an Electronic Money Institution licensed by the Bank of Spain and registered in the Official Register of Entities with Code B.E. 6705. It provides companies with solutions to meet their legal and regulatory obligations regarding electronic money and offers them core banking support.
Digitalriver
Digital River optimizes payment authorization by dynamically routing and retrying transactions across one of the industry’s largest multi-acquirer networks. By processing payments through local acquirers in over 40 markets, we reduce declines and unwanted cross-border fees, saving you and your customers money and frustrations. And using machine learning, we reduce fraud and involuntary churn to recover more of your revenue.
Digital River optimizes payment authorization by dynamically routing and retrying transactions across one of the industry’s largest multi-acquirer networks. By processing payments through local acquirers in over 40 markets, we reduce declines and unwanted cross-border fees, saving you and your customers money and frustrations. And using machine learning, we reduce fraud and involuntary churn to recover more of your revenue.
MultiPass
MultiPass (previously known as DynaPay) is a bank challenger that provides financial solutions for businesses trading globally.
MultiPass (previously known as DynaPay) is a bank challenger that provides financial solutions for businesses trading globally.
Dotpay
Dotpay and eCard are two strong brands that merged to become a leader in the e-payments market. Together, they offer comprehensive support for all payment methods: Dotpay — in the PayByLink segment, providing fast transfers, multi-currency payments, and mobile transfers; eCard — offering services for payment card transactions, such as POS or online payments for e-commerce.
With nearly 20 years of market presence, the companies jointly serve more than 30,000 clients, delivering solutions tailored to both local and international markets.
Dotpay and eCard are two strong brands that merged to become a leader in the e-payments market. Together, they offer comprehensive support for all payment methods: Dotpay — in the PayByLink segment, providing fast transfers, multi-currency payments, and mobile transfers; eCard — offering services for payment card transactions, such as POS or online payments for e-commerce.
With nearly 20 years of market presence, the companies jointly serve more than 30,000 clients, delivering solutions tailored to both local and international markets.
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.
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.
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.
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.
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.
PayStage
PayStage is a payment gateway system that operates online. Both small and large businesses can benefit from the streamlined electronic payment options that we offer.
Our secure online payment system provides merchant services that enable businesses to take a variety of online payments, including those made with credit cards, debit ATM cards, cash or over-the-counter payments, payments made with e-Wallets, and more.
PayStage is a payment gateway system that operates online. Both small and large businesses can benefit from the streamlined electronic payment options that we offer.
Our secure online payment system provides merchant services that enable businesses to take a variety of online payments, including those made with credit cards, debit ATM cards, cash or over-the-counter payments, payments made with e-Wallets, and more.
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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.
