Atlas
Lyf
Lyf is a French fintech company reinventing everyday shopping journeys and payment experiences through simple and secure digital solutions.
📱 For retail, food service, and independent businesses: solutions that streamline the checkout process. Payment platform, mobile point of sale (soft POS), scan & go, table ordering and payment, etc.
📱 For individuals: the Lyf Pay app, which allows users to create group pools with friends, send money easily, pay in-store, and take advantage of special offers.
9 million downloads – 4.4/5 rating on app stores.
We are backed in our growth by leading shareholders in banking, payments, and retail: BNP Paribas, Crédit Mutuel, Auchan, the Casino group, and Mastercard.
Lyf is a French fintech company reinventing everyday shopping journeys and payment experiences through simple and secure digital solutions.
📱 For retail, food service, and independent businesses: solutions that streamline the checkout process. Payment platform, mobile point of sale (soft POS), scan & go, table ordering and payment, etc.
📱 For individuals: the Lyf Pay app, which allows users to create group pools with friends, send money easily, pay in-store, and take advantage of special offers.
9 million downloads – 4.4/5 rating on app stores.
We are backed in our growth by leading shareholders in banking, payments, and retail: BNP Paribas, Crédit Mutuel, Auchan, the Casino group, and Mastercard.
Mercury
Mercury Global | Where Global Finance Meets Innovation | International FX | Digital Financial Infrastructure At Mercury Global, we understand that there is more to international financial movements — strategy, timing, and trust. That’s why we go beyond the transaction, offering a fully integrated solution for international clients who demand more from their financial partner.
As a next-generation foreign exchange and fintech firm, we specialise in simplifying complex cross-border needs — delivering precision, speed, and compliance at scale.
Our Core Services:
• International payments for individuals & corporates
• FX Internet Banking Platform with live rates & automated trades
• Global account setup & offshore structuring
• Exchange control advisory & tax clearance solutions
• Custom-built Affiliate Engine to scale your network
Mercury Global | Where Global Finance Meets Innovation | International FX | Digital Financial Infrastructure At Mercury Global, we understand that there is more to international financial movements — strategy, timing, and trust. That’s why we go beyond the transaction, offering a fully integrated solution for international clients who demand more from their financial partner.
As a next-generation foreign exchange and fintech firm, we specialise in simplifying complex cross-border needs — delivering precision, speed, and compliance at scale.
Our Core Services:
• International payments for individuals & corporates
• FX Internet Banking Platform with live rates & automated trades
• Global account setup & offshore structuring
• Exchange control advisory & tax clearance solutions
• Custom-built Affiliate Engine to scale your network
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.
Paynovate
Acquiring | Issuing | Banking
Embrace the speed and simplicity of accepting payments securely and effortlessly with our cutting-edge solutions. As an Electronic Money Institution (EMI), licensed by both the National Bank of Belgium and an FCA license (AEMI), we offer you a trusted and regulated platform to experience the transformative power of our payment solutions.
Acquiring | Issuing | Banking
Embrace the speed and simplicity of accepting payments securely and effortlessly with our cutting-edge solutions. As an Electronic Money Institution (EMI), licensed by both the National Bank of Belgium and an FCA license (AEMI), we offer you a trusted and regulated platform to experience the transformative power of our payment solutions.
Riafinancial
Ria Money Transfer, a business segment of Euronet Worldwide, Inc. (NASDAQ: EEFT), delivers innovative financial services including fast, secure, and affordable global money transfers to millions of customers along with currency exchange, mobile top-up, bill payment and check cashing services, offering a reliable omnichannel experience. The company is steadfast in its commitment to serve its customers and the communities in which they live, opening ways for a better everyday life.
Founded in 1987, the company has grown from a single storefront in New York City, to become one of the largest money transfer companies worldwide, with more than 580,000 locations and presence in nearly 200 countries and territories around the world.
Ria Money Transfer, a business segment of Euronet Worldwide, Inc. (NASDAQ: EEFT), delivers innovative financial services including fast, secure, and affordable global money transfers to millions of customers along with currency exchange, mobile top-up, bill payment and check cashing services, offering a reliable omnichannel experience. The company is steadfast in its commitment to serve its customers and the communities in which they live, opening ways for a better everyday life.
Founded in 1987, the company has grown from a single storefront in New York City, to become one of the largest money transfer companies worldwide, with more than 580,000 locations and presence in nearly 200 countries and territories around the world.
Inpendium
Inpendium provides world-class global payment connectivity and full cycle payment management services for enterprise level ecommerce merchants throughout the world. Our leading edge technology platform supports a full range of payment services to global merchants that drive efficiencies and automation of their payment operations, international scalability, and speed to market deployment of new payment connectivity and services.
Inpendium supports multiple sales channels, be it website connectivity, mail and telephone order, recurring payment management, mobile, and point of sale. We connect to multiple card acquirers and alternative payment options in 172 currencies across Europe, Middle East and Africa, North America, Latin America and Asia Pacific regions.
Inpendium provides world-class global payment connectivity and full cycle payment management services for enterprise level ecommerce merchants throughout the world. Our leading edge technology platform supports a full range of payment services to global merchants that drive efficiencies and automation of their payment operations, international scalability, and speed to market deployment of new payment connectivity and services.
Inpendium supports multiple sales channels, be it website connectivity, mail and telephone order, recurring payment management, mobile, and point of sale. We connect to multiple card acquirers and alternative payment options in 172 currencies across Europe, Middle East and Africa, North America, Latin America and Asia Pacific regions.
Jn-fx
JNFX is a UK-based financial services company specialising in international payments and foreign exchange solutions. With over 17 years of experience, we have processed over £30 billion in transactions, empowering corporations, banks, FX brokers, and FinTech companies with efficient, secure, and innovative financial services. JNFX delivers trusted solutions tailored to meet global business needs.
JNFX is a UK-based financial services company specialising in international payments and foreign exchange solutions. With over 17 years of experience, we have processed over £30 billion in transactions, empowering corporations, banks, FX brokers, and FinTech companies with efficient, secure, and innovative financial services. JNFX delivers trusted solutions tailored to meet global business needs.
Copay
Accelerating cashflow for the construction industry
Accelerating cashflow for the construction industry
Borica
BORICA AD plays an important role as a fundamental IT infrastructure for the Bulgarian payment industry. Within the company’s main priorities lay the development and the operating of payment systems. Those priorities ensure the participants high-quality, reliable and innovative payment services which could be offered to the end customers – physical and juridical persons.
The company continues to improve its knowledge in the area of payment industry. Tendencies are actively monitored on European and local level. BORICA AD is a partner that offers banks and their customers the highest payment services quality.
As far as the payment industry is concerned, BORICA is focused on developing and offering value added services. This approach allows to expand the scope of payment services, as well as, to raise the satisfaction of the customers.
The company develops activities that are of use to all the participants and their customers.
BORICA AD plays an important role as a fundamental IT infrastructure for the Bulgarian payment industry. Within the company’s main priorities lay the development and the operating of payment systems. Those priorities ensure the participants high-quality, reliable and innovative payment services which could be offered to the end customers – physical and juridical persons.
The company continues to improve its knowledge in the area of payment industry. Tendencies are actively monitored on European and local level. BORICA AD is a partner that offers banks and their customers the highest payment services quality.
As far as the payment industry is concerned, BORICA is focused on developing and offering value added services. This approach allows to expand the scope of payment services, as well as, to raise the satisfaction of the customers.
The company develops activities that are of use to all the participants and their customers.
Novapay
NovaPay is an international financial service that provides Ukrainians with financial services online and through the Nova post branch network, connecting families and friends and boosting Ukrainian business in the world. We offer financial products in both online and offline formats to individuals and businesses, including: ▪ taking care of payments at Nova post and financing for packages; ▪ delivering money transfers within Ukraine and abroad; ▪ accepting utility and any other payments; ▪ providing internet acquiring and partnership services for businesses. The NovaPay payment system is the leader among all non-banking institutions in Ukraine in terms of remittances (according to the National Bank of Ukraine). NovaPay LLC was registered in Ukraine in 2012, and we are currently actively expanding in EU countries.
NovaPay is an international financial service that provides Ukrainians with financial services online and through the Nova post branch network, connecting families and friends and boosting Ukrainian business in the world. We offer financial products in both online and offline formats to individuals and businesses, including: ▪ taking care of payments at Nova post and financing for packages; ▪ delivering money transfers within Ukraine and abroad; ▪ accepting utility and any other payments; ▪ providing internet acquiring and partnership services for businesses. The NovaPay payment system is the leader among all non-banking institutions in Ukraine in terms of remittances (according to the National Bank of Ukraine). NovaPay LLC was registered in Ukraine in 2012, and we are currently actively expanding in EU countries.
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.
Paysme
Paysme is a super app delivering financial services to underserved small business communities to accelerate their transition to the digital economy including mobile payments, digital banking, e-commerce, insurance, credit cards, fuel cards, accounting & loyalty/rewards.
Our specialist industry customer channels include cab:app for taxis, Marketti for market traders & Fanslive for sports clubs.
Paysme is a super app delivering financial services to underserved small business communities to accelerate their transition to the digital economy including mobile payments, digital banking, e-commerce, insurance, credit cards, fuel cards, accounting & loyalty/rewards.
Our specialist industry customer channels include cab:app for taxis, Marketti for market traders & Fanslive for sports clubs.
MONELIQ LIMITED
Moneliq provides fully integrated payment card transaction processing solution, with multi-channel and multi-currency payment options through one interface, with a simple integration experience and a suite of payment APIs, fraud and risk management services and all the tools needed to accept payments locally and internationally.
SEPA and SWIFT payments coming soon
Moneliq provides fully integrated payment card transaction processing solution, with multi-channel and multi-currency payment options through one interface, with a simple integration experience and a suite of payment APIs, fraud and risk management services and all the tools needed to accept payments locally and internationally.
SEPA and SWIFT payments coming soon
Marginalen bank
Marginalen Bank - an alternative bank. We create time and opportunities for individuals and businesses by simplifying their financial everyday life. By listening to our customers, we can offer uncomplicated and competitive products and services.
Our vision is to contribute to a better world by creating an economic advantage for people seeking a bank and partner that looks not only at numbers but also at ideas and the future. Through our sustainability efforts, we aim to increase financial awareness, support organizations that help vulnerable individuals, and be an attractive workplace with a focus on equality and diversity. We are a new bank that started in 2010, but our roots go back to 1979.
Today, we have over 300 employees in Sweden and have always grown organically.
Marginalen Bank - an alternative bank. We create time and opportunities for individuals and businesses by simplifying their financial everyday life. By listening to our customers, we can offer uncomplicated and competitive products and services.
Our vision is to contribute to a better world by creating an economic advantage for people seeking a bank and partner that looks not only at numbers but also at ideas and the future. Through our sustainability efforts, we aim to increase financial awareness, support organizations that help vulnerable individuals, and be an attractive workplace with a focus on equality and diversity. We are a new bank that started in 2010, but our roots go back to 1979.
Today, we have over 300 employees in Sweden and have always grown organically.
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.
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.
