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Alternative and Local Payment Services
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451 companies
Jul 21, 2026
Last updated: Jul 21, 2026
Ifthenpay
ifthenpay.com Portugal
Authorized by the Bank of Portugal, the company allows for the simple and secure creation of Multibanco references. The payment services through Multibanco Reference, MBWAY, PAYSHOP, and Credit Card from #ifthenpay offer numerous advantages for your business: - **No costs** for the user; - **Payments available 24 hours a day** with **immediate notifications**; - **Secure payments**; - **User data protection**, with no need to enter banking information online; - **Multi-channel payment options**: Multibanco terminal, home banking, MB Spot, mobile phone, TPA, MBWAY, PAYSHOP agent, or CTT store; - **Directly from users’ bank accounts**, without needing to create or load other types of accounts (wallets); - The **checkout process** in online stores is carried out entirely within the seller's website; - **Sales control** on your smartphone via our free app; - **Increased efficiency** in collections and **reduced costs** and administrative work.
Authorized by the Bank of Portugal, the company allows for the simple and secure creation of Multibanco references. The payment services through Multibanco Reference, MBWAY, PAYSHOP, and Credit Card from #ifthenpay offer numerous advantages for your business: - **No costs** for the user; - **Payments available 24 hours a day** with **immediate notifications**; - **Secure payments**; - **User data protection**, with no need to enter banking information online; - **Multi-channel payment options**: Multibanco terminal, home banking, MB Spot, mobile phone, TPA, MBWAY, PAYSHOP agent, or CTT store; - **Directly from users’ bank accounts**, without needing to create or load other types of accounts (wallets); - The **checkout process** in online stores is carried out entirely within the seller's website; - **Sales control** on your smartphone via our free app; - **Increased efficiency** in collections and **reduced costs** and administrative work.
Safe2pay
safe2pay.com.br Brazil
Hey, we are Safe2Pay! We are a fintech focused on online payment mediation. After all, we believe in and work towards making online transactions simple, secure, fast, and accessible for all types of businesses. Here, you’ll find everything you need to manage your online receivables, along with the most popular payment methods on the market, and much more. Simplify your way of selling online with Safe2Pay.
Hey, we are Safe2Pay! We are a fintech focused on online payment mediation. After all, we believe in and work towards making online transactions simple, secure, fast, and accessible for all types of businesses. Here, you’ll find everything you need to manage your online receivables, along with the most popular payment methods on the market, and much more. Simplify your way of selling online with Safe2Pay.
FMpay
fmpay.eu United Kingdom
FMPay helps UK small businesses handle payments simply and securely. We keep things clear, reliable, and always have your back with real support when you need it.
FMPay helps UK small businesses handle payments simply and securely. We keep things clear, reliable, and always have your back with real support when you need it.
Reem
United Arab Emirates
Reem Finance PJSC provides customized financing solutions that allow entrepreneurs to broaden their portfolios through backed financial scale-up. Headquartered in Abu Dhabi and licensed by the Central Bank of the UAE, Reem Finance is a private joint-stock company that offers financial solutions to facilitate business growth and advance trade capacity for private entities within various sectors. Reem Finance is committed to excellence in its service delivery through knowledge-driven customized solutions and timely execution. The company offers a solid foundation to support its clients' business needs. Reem Finance can provide finance terms that allow for rapid drawdown and tailored structures, in a manner that is generally not offered by conventional banks.
Reem Finance PJSC provides customized financing solutions that allow entrepreneurs to broaden their portfolios through backed financial scale-up. Headquartered in Abu Dhabi and licensed by the Central Bank of the UAE, Reem Finance is a private joint-stock company that offers financial solutions to facilitate business growth and advance trade capacity for private entities within various sectors. Reem Finance is committed to excellence in its service delivery through knowledge-driven customized solutions and timely execution. The company offers a solid foundation to support its clients' business needs. Reem Finance can provide finance terms that allow for rapid drawdown and tailored structures, in a manner that is generally not offered by conventional banks.
Elitepay
elitepay.com.my Malaysia
Easy to Use. Everything at the click of a button Credit top-ups for pre-paid cards. Effortless bill payments. International payments for foreign workers. International money transfers. Online gaming top-ups. Fuss-free App-based means less hassle, nothing needs to be printed and everything is done with a click on the Android compatible mobile app. Risk-free Eliminate cash-flow tie up. Easy tracking limits errors.
Easy to Use. Everything at the click of a button Credit top-ups for pre-paid cards. Effortless bill payments. International payments for foreign workers. International money transfers. Online gaming top-ups. Fuss-free App-based means less hassle, nothing needs to be printed and everything is done with a click on the Android compatible mobile app. Risk-free Eliminate cash-flow tie up. Easy tracking limits errors.
Freecharge
freecharge.in India
Freecharge is a well-known name in the world of payment apps, serving over 100 million users across the country. A 100% subsidiary of Axis Bank, Freecharge has always been known for offering safe and seamless UPI payments, utility bill payments, mobile/DTH recharges, and much more. Moreover, users can easily make payments at offline or online merchants via a robust infrastructure that supports UPI, Debit/ Credit Cards, Wallet, and other options. Freecharge even offers multiple Axis Bank Credit Cards and is constantly building new products to support small and midsize retailers across payments and lending.
Freecharge is a well-known name in the world of payment apps, serving over 100 million users across the country. A 100% subsidiary of Axis Bank, Freecharge has always been known for offering safe and seamless UPI payments, utility bill payments, mobile/DTH recharges, and much more. Moreover, users can easily make payments at offline or online merchants via a robust infrastructure that supports UPI, Debit/ Credit Cards, Wallet, and other options. Freecharge even offers multiple Axis Bank Credit Cards and is constantly building new products to support small and midsize retailers across payments and lending.
Ipayholding
ipayholding.com United Arab Emirates
iPay Holding is a Venture Builder revolutionizing the digital landscape through disruptive technologies for the Middle East and Africa! As the innovation arm of Int’ltec Group, iPay's mission is to incubate and accelerate the growth of game-changing solutions, with a sharp focus on the ICT, Mobile Money, E-commerce, Retail, and the Public Sector. Through strategic partnerships and investments, we leverage our strong network and core footprint to bring cutting-edge, transformative technologies to our region and drive the next wave of innovation.
iPay Holding is a Venture Builder revolutionizing the digital landscape through disruptive technologies for the Middle East and Africa! As the innovation arm of Int’ltec Group, iPay's mission is to incubate and accelerate the growth of game-changing solutions, with a sharp focus on the ICT, Mobile Money, E-commerce, Retail, and the Public Sector. Through strategic partnerships and investments, we leverage our strong network and core footprint to bring cutting-edge, transformative technologies to our region and drive the next wave of innovation.
Cm payments
cm.com Netherlands
CM.com (AMS: CMCOM) is a global leader in cloud software for conversational commerce that enables businesses to deliver a superior customer experience. Our communications and payments platform empowers marketing, sales and customer support to automate engagement with customers across multiple mobile channels, blended with seamless payment capabilities that drive sales, gain customers and increase customer happiness.
CM.com (AMS: CMCOM) is a global leader in cloud software for conversational commerce that enables businesses to deliver a superior customer experience. Our communications and payments platform empowers marketing, sales and customer support to automate engagement with customers across multiple mobile channels, blended with seamless payment capabilities that drive sales, gain customers and increase customer happiness.
SHOPEEPAY
seamoney.com Vietnam
ShopeePay is SeaMoney’s mobile wallet, which provides users with easy access to digital payment services. ShopeePay allow users to make online payments, top up their wallet, transfer and withdraw funds, and make payments offline at thousands of our merchant partner locations, offering users a seamless shopping experience.
ShopeePay is SeaMoney’s mobile wallet, which provides users with easy access to digital payment services. ShopeePay allow users to make online payments, top up their wallet, transfer and withdraw funds, and make payments offline at thousands of our merchant partner locations, offering users a seamless shopping experience.
Lateral
latpay.com Australia
Latpay are a leading Payment and Merchant Service Provider in Australia, UK and Canada, offering an integrated online payment solution to businesses around the world. Comprising industry-leading technology, exceptional compliance and fraud management proficiencies, Latpay are proud to provide complete payment solutions to both conventional and bespoke e-Commerce challenges. With an average 99.99% up-time over the last 17 years, our platform also offers access to online billing, transaction reporting and reconciliation services that enable you to better manage all facets of payment processing operations, all in one place. If you’re after a payment platform that is flexible, secure, scalable and affordable, head to our website and get started with Latpay.
Latpay are a leading Payment and Merchant Service Provider in Australia, UK and Canada, offering an integrated online payment solution to businesses around the world. Comprising industry-leading technology, exceptional compliance and fraud management proficiencies, Latpay are proud to provide complete payment solutions to both conventional and bespoke e-Commerce challenges. With an average 99.99% up-time over the last 17 years, our platform also offers access to online billing, transaction reporting and reconciliation services that enable you to better manage all facets of payment processing operations, all in one place. If you’re after a payment platform that is flexible, secure, scalable and affordable, head to our website and get started with Latpay.
Paxful
paxful.com United States
Paxful is a leading peer-to-peer platform that enables users to buy and sell bitcoins using over 350 payment methods, connecting 10 million users globally. The platform offers a diverse range of options, allowing businesses and individuals to make transactions using their preferred payment methods, whether it's bank transfers, e-wallets, or gift cards. With its intuitive trading platform, Paxful makes it easy to navigate the world of cryptocurrency, empowering users to explore new ways to engage in bitcoin trading. This flexibility and accessibility make Paxful an attractive option for those looking to enter or expand their presence in the crypto market. Paxful: reviews Paxful is highly regarded for its extensive range of payment methods, making it easy for users to buy and sell bitcoins in a way that suits their preferences. Paxful: competitors Alternatives to Braintree include Binance, Noones and Bybit.
Paxful is a leading peer-to-peer platform that enables users to buy and sell bitcoins using over 350 payment methods, connecting 10 million users globally. The platform offers a diverse range of options, allowing businesses and individuals to make transactions using their preferred payment methods, whether it's bank transfers, e-wallets, or gift cards. With its intuitive trading platform, Paxful makes it easy to navigate the world of cryptocurrency, empowering users to explore new ways to engage in bitcoin trading. This flexibility and accessibility make Paxful an attractive option for those looking to enter or expand their presence in the crypto market. Paxful: reviews Paxful is highly regarded for its extensive range of payment methods, making it easy for users to buy and sell bitcoins in a way that suits their preferences. Paxful: competitors Alternatives to Braintree include Binance, Noones and Bybit.
Ecospend
ecospend.com United Kingdom
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.
SentryPayments
Canada
Since 1998, we have been pioneering state of the art online software and solutions. Our focus has always been customizing our software to our customer's needs. We have developed everything from the most innovative online affiliate marketing tracking software, online gaming and poker solutions and now on to one of the most customized billing solution for online high risk merchants available today. Our nontraditional model of focusing on the needs of our customers has provided us the greatest competitive advantage compared to our competition.
Since 1998, we have been pioneering state of the art online software and solutions. Our focus has always been customizing our software to our customer's needs. We have developed everything from the most innovative online affiliate marketing tracking software, online gaming and poker solutions and now on to one of the most customized billing solution for online high risk merchants available today. Our nontraditional model of focusing on the needs of our customers has provided us the greatest competitive advantage compared to our competition.
OmniPayment
omnipayments.com United States
OmniPayments is a switching solution for the financial/retail industries. It is deployed on NonStop for the highest availability and offers all the requisite functionality to manage credit/debit-card transactions. It manages multiple devices, hosts application interfaces, and interoperates with third-party products or other systems if required. OmniPayments easily expands to provide additional functionality when needed and supplies complete security functions for every transaction handled, including encryption-at-rest and in-flight. Available 24x7, OmniPayments will survive any single fault, requires no downtime for maintenance or upgrades, and supports a range of disaster-recovery solutions. OmniPayments can be installed either as a complete, off-the-shelf solution or can be enhanced with customer-requested modifications and features to improve cost-effectiveness, efficiency, and risk mitigation.
OmniPayments is a switching solution for the financial/retail industries. It is deployed on NonStop for the highest availability and offers all the requisite functionality to manage credit/debit-card transactions. It manages multiple devices, hosts application interfaces, and interoperates with third-party products or other systems if required. OmniPayments easily expands to provide additional functionality when needed and supplies complete security functions for every transaction handled, including encryption-at-rest and in-flight. Available 24x7, OmniPayments will survive any single fault, requires no downtime for maintenance or upgrades, and supports a range of disaster-recovery solutions. OmniPayments can be installed either as a complete, off-the-shelf solution or can be enhanced with customer-requested modifications and features to improve cost-effectiveness, efficiency, and risk mitigation.
Cashia
cashia.com Kenya
It all started with an idea in 2020, built to take the pain out of peer-to-peer, B2B payments, and reduce the costs of digital fees altogether, Cashia is a digital Ecosystem Aggregator bringing a better way to send, spend, invest, and save to our many monthly active users. With a mission to build the fastest and most seamless platform to send and receive money by making it more affordable, instantly available and universally accessible. Working with stakeholders across the private, public, and informal sectors, we aim to unlock the true potential of digital payments across Africa by bridging the digital dividend in online payments and e-Commerce services.
It all started with an idea in 2020, built to take the pain out of peer-to-peer, B2B payments, and reduce the costs of digital fees altogether, Cashia is a digital Ecosystem Aggregator bringing a better way to send, spend, invest, and save to our many monthly active users. With a mission to build the fastest and most seamless platform to send and receive money by making it more affordable, instantly available and universally accessible. Working with stakeholders across the private, public, and informal sectors, we aim to unlock the true potential of digital payments across Africa by bridging the digital dividend in online payments and e-Commerce services.
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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.

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.

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