Atlas
Sense Bank
Sense Bank is one of the largest Ukrainian banks. The bank was founded in 1992. From 2001, it operated under the name JSC "Alfa-Bank" and, since 2004, was part of a private international banking holding company based in Luxembourg. In 2022, a decision was made to abandon the Alfa-Bank brand, and the bank's legal name was changed to JSC "Sense Bank," along with the creation of a new brand, Sense Bank.
On July 22, 2023, the Ministry of Finance of Ukraine and the Deposit Guarantee Fund signed a purchase agreement for 100% of the shares of JSC "Sense Bank." Sense Bank was transferred to state ownership.
Sense Bank holds leading positions in all segments of the banking market, is one of the most stable and reliable banks in Ukraine, and is included in the list of systemically important banks of Ukraine, as approved by the decision of the National Bank of Ukraine's board in 2023.
Sense Bank is one of the largest Ukrainian banks. The bank was founded in 1992. From 2001, it operated under the name JSC "Alfa-Bank" and, since 2004, was part of a private international banking holding company based in Luxembourg. In 2022, a decision was made to abandon the Alfa-Bank brand, and the bank's legal name was changed to JSC "Sense Bank," along with the creation of a new brand, Sense Bank.
On July 22, 2023, the Ministry of Finance of Ukraine and the Deposit Guarantee Fund signed a purchase agreement for 100% of the shares of JSC "Sense Bank." Sense Bank was transferred to state ownership.
Sense Bank holds leading positions in all segments of the banking market, is one of the most stable and reliable banks in Ukraine, and is included in the list of systemically important banks of Ukraine, as approved by the decision of the National Bank of Ukraine's board in 2023.
American Express
An American financial company, which is one of the twenty largest banks in the United States. The company has product, which is a global e-commerce solution. It allows you to securely accept and forward most large payment transactions from your website or virtual terminal to more than 50 acquiring banks around the world. American Express has a solution that is suitable for almost any business. The product is also automated, which guarantees protection against financial fraud.
**American Express: reviews**
American Express consistently receives positive feedback for exceptional customer service and comprehensive incentive programs focused on different lifestyles.
**American Express: competitors**
Among the alternatives of American Express, PayPal, Capital One Bank, Citi, and Discover can be noted.
An American financial company, which is one of the twenty largest banks in the United States. The company has product, which is a global e-commerce solution. It allows you to securely accept and forward most large payment transactions from your website or virtual terminal to more than 50 acquiring banks around the world. American Express has a solution that is suitable for almost any business. The product is also automated, which guarantees protection against financial fraud.
**American Express: reviews**
American Express consistently receives positive feedback for exceptional customer service and comprehensive incentive programs focused on different lifestyles.
**American Express: competitors**
Among the alternatives of American Express, PayPal, Capital One Bank, Citi, and Discover can be noted.
Melements
mElements mission statement is to provide delightful digital shopping experience for customer and merchant.
We help e-Commerce segment sellers to measurably improve customer experience, funnel conversion and business partner loyalty through the use of API Banking solutions.
Innovative solutions created by the team mElements focus on building API Banking products from the areas of PSD2 API, API Premium, API eID or payment API. The first solution introduced to the market is the Credit API
mElements mission statement is to provide delightful digital shopping experience for customer and merchant.
We help e-Commerce segment sellers to measurably improve customer experience, funnel conversion and business partner loyalty through the use of API Banking solutions.
Innovative solutions created by the team mElements focus on building API Banking products from the areas of PSD2 API, API Premium, API eID or payment API. The first solution introduced to the market is the Credit API
Akode
AKÖde Elektronik Para ve Ödeme Hizmetleri A.Ş. (“AKÖde”) is a 100% subsidiary of Akbank and operates as an e-money company. It has the license to provide payment services and issue electronic money in accordance with Law No. 6493. AKÖde’s first product and brand, Tosla, was launched in September 2019 as an app that rewards users when making payments. Tosla allows users to meet their financial needs easily and quickly, without the need to be a bank customer, inviting everyone into its advantageous world.
Since 2022, AKÖde has also been providing payment service solutions for businesses, SMEs, and corporate firms. With Tosla İşim, business owners can start receiving payments on the same day through a completely digital application; they can grow their businesses with a single integration and without transaction fees. Whether your business is large or small, Tosla İşim payment solutions are here to support you.
AKÖde Elektronik Para ve Ödeme Hizmetleri A.Ş. (“AKÖde”) is a 100% subsidiary of Akbank and operates as an e-money company. It has the license to provide payment services and issue electronic money in accordance with Law No. 6493. AKÖde’s first product and brand, Tosla, was launched in September 2019 as an app that rewards users when making payments. Tosla allows users to meet their financial needs easily and quickly, without the need to be a bank customer, inviting everyone into its advantageous world.
Since 2022, AKÖde has also been providing payment service solutions for businesses, SMEs, and corporate firms. With Tosla İşim, business owners can start receiving payments on the same day through a completely digital application; they can grow their businesses with a single integration and without transaction fees. Whether your business is large or small, Tosla İşim payment solutions are here to support you.
PLATON
PSP Platon is a payment service that processes online payments over the internet. It is a subsidiary of the Dutch holding HowPeoplePay. The company provides services to a wide range of participants in the e-commerce market.
We leverage our European experience to offer you the most modern, convenient, and secure conditions for conducting business. Our team consists of professionals in the field of payment services and organizing payment acceptance through bank cards and other online payment tools.
PSP Platon is a payment service that processes online payments over the internet. It is a subsidiary of the Dutch holding HowPeoplePay. The company provides services to a wide range of participants in the e-commerce market.
We leverage our European experience to offer you the most modern, convenient, and secure conditions for conducting business. Our team consists of professionals in the field of payment services and organizing payment acceptance through bank cards and other online payment tools.
Openbank
We’re a 100% digital, flexible and diverse bank. 🚀
We’re leading the charge in the tech revolution of the financial sector, so bolstering talent, innovation and creativity in our teams is crucial in our mission to turn traditional banking on its head.
We operate in Germany, the Netherlands, Portugal, the U.S., Mexico and Spain. Our head office is in Madrid, and we have tech hubs in Valencia and Bilbao, where our dynamic work environments foster continuous learning and teamwork. We champion our people and their ability to drive real change.
Beyond the daily grind, we encourage an open culture through employee clubs for sport, tech, culture, sustainability and plenty more, giving us greater opportunity to connect, share and grow together. 🌍
We’re a 100% digital, flexible and diverse bank. 🚀
We’re leading the charge in the tech revolution of the financial sector, so bolstering talent, innovation and creativity in our teams is crucial in our mission to turn traditional banking on its head.
We operate in Germany, the Netherlands, Portugal, the U.S., Mexico and Spain. Our head office is in Madrid, and we have tech hubs in Valencia and Bilbao, where our dynamic work environments foster continuous learning and teamwork. We champion our people and their ability to drive real change.
Beyond the daily grind, we encourage an open culture through employee clubs for sport, tech, culture, sustainability and plenty more, giving us greater opportunity to connect, share and grow together. 🌍
Estreem
Estreem offers European banks secure, efficient, and sustainable payment solutions between merchants and customers.
Estreem is a unique payment processor (issuing and acquiring) that redefines quality, innovation, and resilience, while providing a sovereign, competitive, and easy-to-integrate payment ecosystem.
We are 400 experts dedicated to the digitalization of payments.
Estreem is a joint venture between BNP Paribas and Groupe BPCE.
POWERING PAYMENTS, EMPOWERING BANKS.
Estreem offers European banks secure, efficient, and sustainable payment solutions between merchants and customers.
Estreem is a unique payment processor (issuing and acquiring) that redefines quality, innovation, and resilience, while providing a sovereign, competitive, and easy-to-integrate payment ecosystem.
We are 400 experts dedicated to the digitalization of payments.
Estreem is a joint venture between BNP Paribas and Groupe BPCE.
POWERING PAYMENTS, EMPOWERING BANKS.
Emerald24
Emerald24 is a digital payments platform designed to provide businesses and merchants in the UK and EU with a modern and accessible alternative to traditional banking.
Our user-friendly online platform grants easy access to money transfer solutions and local banking rails, while our expert client managers provide invaluable guidance in navigating cross-border finance.
With a focus on efficiency and reliability, Emerald24 offers global entrepreneurs a secure and streamlined way to transfer, receive, and exchange funds around the world.
Emerald24 is a digital payments platform designed to provide businesses and merchants in the UK and EU with a modern and accessible alternative to traditional banking.
Our user-friendly online platform grants easy access to money transfer solutions and local banking rails, while our expert client managers provide invaluable guidance in navigating cross-border finance.
With a focus on efficiency and reliability, Emerald24 offers global entrepreneurs a secure and streamlined way to transfer, receive, and exchange funds around the world.
Paymont
PAYMONT is a European payment services provider offering professional payment services to both individuals and corporate clients from all around the world. PAYMONT UAB has been a company operating since 2020, and the Central Bank of Lithuania granted them a license to operate an electronic money institution (EMI) on January 28, 2021. This license authorizes PAYMONT to maintain payment accounts for clients, perform payment operations (payments and direct debits), or operate a money remittance service. Clients have a multi-currency account at their disposal, which also allows them to exchange currencies at a favorable rate. In the first phase of its activity, PAYMONT focuses primarily on legal entities, especially small and medium-sized enterprises, based in the European Economic Area. Payment accounts are also available for individuals.
PAYMONT is a European payment services provider offering professional payment services to both individuals and corporate clients from all around the world. PAYMONT UAB has been a company operating since 2020, and the Central Bank of Lithuania granted them a license to operate an electronic money institution (EMI) on January 28, 2021. This license authorizes PAYMONT to maintain payment accounts for clients, perform payment operations (payments and direct debits), or operate a money remittance service. Clients have a multi-currency account at their disposal, which also allows them to exchange currencies at a favorable rate. In the first phase of its activity, PAYMONT focuses primarily on legal entities, especially small and medium-sized enterprises, based in the European Economic Area. Payment accounts are also available for individuals.
Pay.com
Our mission at Pay.com is to create an all-inclusive economy. We help big entrepreneurs to move big payments. And micro-merchants to realize their biggest dreams.
The company was launched in 2020 and is currently expanding with 5 global offices offering top-tier customer service.
Our mission at Pay.com is to create an all-inclusive economy. We help big entrepreneurs to move big payments. And micro-merchants to realize their biggest dreams.
The company was launched in 2020 and is currently expanding with 5 global offices offering top-tier customer service.
SPS
Specialized Processing Solutions is an industry leader in the payment processing industry, providing lower rates, better data validation to maximize all potential savings. Also offering processing via the Chinese UnionPay card, providing you access to over 3.5 billion cards in circulation worldwide!
Let Specialized Processing Solutions provide you with a wealth of savings and the potential to provide you with a comprehensive reporting suite, fully customizable reporting as well as 100% confidentiality of your data - without it being shared with hundreds of marketers.
Contact us today to learn how you can save on traditional processing while leveraging 3.5 billion cards in circulation today to bring additional top and bottom line dollars with a totally new customer base that will continue to purchase into the future.
Specialized Processing Solutions is an industry leader in the payment processing industry, providing lower rates, better data validation to maximize all potential savings. Also offering processing via the Chinese UnionPay card, providing you access to over 3.5 billion cards in circulation worldwide!
Let Specialized Processing Solutions provide you with a wealth of savings and the potential to provide you with a comprehensive reporting suite, fully customizable reporting as well as 100% confidentiality of your data - without it being shared with hundreds of marketers.
Contact us today to learn how you can save on traditional processing while leveraging 3.5 billion cards in circulation today to bring additional top and bottom line dollars with a totally new customer base that will continue to purchase into the future.
Clear Junction
Clear Junction is a global payments solutions provider. We power financial companies, enabling them to capture and connect to new opportunities by accessing the tools, networks and knowledge they need.
Our team has years of experience in the payments space and extensive knowledge of risk and compliance. That, coupled with our proprietary technology, helps empower businesses to realise potential in the areas traditional service providers can’t or aren’t willing to unlock.
Power your payment ambitions today.
Clear Junction is a global payments solutions provider. We power financial companies, enabling them to capture and connect to new opportunities by accessing the tools, networks and knowledge they need.
Our team has years of experience in the payments space and extensive knowledge of risk and compliance. That, coupled with our proprietary technology, helps empower businesses to realise potential in the areas traditional service providers can’t or aren’t willing to unlock.
Power your payment ambitions today.
BudPay
BudPay is a technology company dedicated to building modern payments infrastructure that allows businesses receive payments globally.
We have worked with businesses on the continent to understand their needs, and are now ready to deliver solutions that will enable these businesses expand into international markets. Our team is composed of international professionals with over twenty years experience in the payment industry.
BudPay is a technology company dedicated to building modern payments infrastructure that allows businesses receive payments globally.
We have worked with businesses on the continent to understand their needs, and are now ready to deliver solutions that will enable these businesses expand into international markets. Our team is composed of international professionals with over twenty years experience in the payment industry.
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.
Zong
Zong Customers can now easily pay their Zong postpaid bills or top-up their prepaid mobile accounts instantly, by just walking into an ATM nearest to them or by logging on to Zong website. With a network consisting of all leading commercial banks, Zong customers can now have round the clock access to Zong Load and Recharge services nationwide either by using their bank’s ATM card on its designated Bank’s ATM machine or through any of the various modes of payment offered by the member banks.
Zong customers can have easy access to Zong Prepaid Recharge and Postpaid billing facility using any of the following payment modes, Nationwide.
ATM
Bank IVR
Bank Call Center
Internet/Online Banking
Branchless Banking
Zong Customers can now easily pay their Zong postpaid bills or top-up their prepaid mobile accounts instantly, by just walking into an ATM nearest to them or by logging on to Zong website. With a network consisting of all leading commercial banks, Zong customers can now have round the clock access to Zong Load and Recharge services nationwide either by using their bank’s ATM card on its designated Bank’s ATM machine or through any of the various modes of payment offered by the member banks.
Zong customers can have easy access to Zong Prepaid Recharge and Postpaid billing facility using any of the following payment modes, Nationwide.
ATM
Bank IVR
Bank Call Center
Internet/Online Banking
Branchless Banking
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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.
