Atlas
Digiteal
Get paid faster, more regularly and at a lower cost! With an authorization as Payment Institution and as TPP (AIS/PIS), European standards and creativity, Digiteal provides multiple solutions to help businesses to accelerate their digital transformation and optimize their cash flow.
Get paid faster, more regularly and at a lower cost! With an authorization as Payment Institution and as TPP (AIS/PIS), European standards and creativity, Digiteal provides multiple solutions to help businesses to accelerate their digital transformation and optimize their cash flow.
Bepi
Billing platform for D2C business
Billing platform for D2C business
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.
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.
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.
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.
Papaya
Papaya was founded in January 2012 and is a fully set up Electronic Money Institution (EMI), headquartered in Malta. Papaya is regulated by the Malta Financial Services Authority (MFSA), the single regulator for financial services in Malta – a growing international financial hub.
Papaya is a young and vibrant player in the electronic money domain, with a hard-line philosophy of giving all clients the highest levels of service possible, through our on-going commitment to excellence and integrity. We strive to bring customers innovation and added value through our products, and aim to provide only the best operating and security conditions available.
Papaya was founded in January 2012 and is a fully set up Electronic Money Institution (EMI), headquartered in Malta. Papaya is regulated by the Malta Financial Services Authority (MFSA), the single regulator for financial services in Malta – a growing international financial hub.
Papaya is a young and vibrant player in the electronic money domain, with a hard-line philosophy of giving all clients the highest levels of service possible, through our on-going commitment to excellence and integrity. We strive to bring customers innovation and added value through our products, and aim to provide only the best operating and security conditions available.
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.
AeterEdge
AeterEdge is a disruptive financial technology company offering a high-performance payments platform for enterprise and scaling businesses. Our cloud-based solution facilitates global payment processing, payouts, and geographic expansion. Headquartered in Barcelona, we serve clients across various industries, from low to high-risk.
AeterEdge's flexible technology accepts payments globally, connecting businesses to customers in over 170 markets with 150 currencies and 100+ payment methods, improving approval rates, creating localized experiences, and accelerating client success
AeterEdge is a disruptive financial technology company offering a high-performance payments platform for enterprise and scaling businesses. Our cloud-based solution facilitates global payment processing, payouts, and geographic expansion. Headquartered in Barcelona, we serve clients across various industries, from low to high-risk.
AeterEdge's flexible technology accepts payments globally, connecting businesses to customers in over 170 markets with 150 currencies and 100+ payment methods, improving approval rates, creating localized experiences, and accelerating client success
AuthoriPay Ltd
Authoripay is a provider of financial services and consulting.
We can obtain authorization from the Financial Conduct Authority (FCA) for your business in unparalleled timeframes, offering three different options depending on the urgency.
We provide consulting services to existing payment firms on topics such as Brexit, PSD2, licensing, open banking, secure customer authentication, and financial crime auditing.
We can also set up merchants and payment providers with new payment methods such as WeChat Pay and Alipay.
Authoripay is a provider of financial services and consulting.
We can obtain authorization from the Financial Conduct Authority (FCA) for your business in unparalleled timeframes, offering three different options depending on the urgency.
We provide consulting services to existing payment firms on topics such as Brexit, PSD2, licensing, open banking, secure customer authentication, and financial crime auditing.
We can also set up merchants and payment providers with new payment methods such as WeChat Pay and Alipay.
MerchantE
MerchantE provides a financial technology platform that drives digital commerce and supports the money management needs of growing businesses. Our customers gain a competitive advantage with our services to revolutionize the way they bring money in, move money out, and make money decisions. We help our partners by offering tools and revenue streams to integrate, self-brand, refer, or resell our products and services.
MerchantE provides a financial technology platform that drives digital commerce and supports the money management needs of growing businesses. Our customers gain a competitive advantage with our services to revolutionize the way they bring money in, move money out, and make money decisions. We help our partners by offering tools and revenue streams to integrate, self-brand, refer, or resell our products and services.
Chapa
Chapa Financial Technologies S.C. is an online payment gateway that empowers small businesses and large merchants to accept local or international payments from their customers via our APIs and Chapa's platform. The company primarily focuses on securely solving payments-related problems for ambitious businesses and governmental organizations in developing countries, mainly Ethiopia.
Chapa offers services in the following areas: Payment Gateway and Bill Aggregator Solutions.
Chapa Financial Technologies S.C. is an online payment gateway that empowers small businesses and large merchants to accept local or international payments from their customers via our APIs and Chapa's platform. The company primarily focuses on securely solving payments-related problems for ambitious businesses and governmental organizations in developing countries, mainly Ethiopia.
Chapa offers services in the following areas: Payment Gateway and Bill Aggregator Solutions.
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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.
