Atlas
OpenPayd
Embedded Finance for the digital economy OpenPayd is a leading global payments and banking-as-a-service platform that provides a range of banking and payment services to both financial and non-financial institutions. Our services are underpinned by a global network of licences and are accessible through a single API. These include IBANs, open banking, e-money accounts, FX conversion, local and international payments, card processing and debit cards. We believe that all businesses - irrespective of their size or industry - should be able to access the best payment and banking services. We provide all of our services through a simple, flexible and scalable platform.
Embedded Finance for the digital economy OpenPayd is a leading global payments and banking-as-a-service platform that provides a range of banking and payment services to both financial and non-financial institutions. Our services are underpinned by a global network of licences and are accessible through a single API. These include IBANs, open banking, e-money accounts, FX conversion, local and international payments, card processing and debit cards. We believe that all businesses - irrespective of their size or industry - should be able to access the best payment and banking services. We provide all of our services through a simple, flexible and scalable platform.
Tilopay
We provide payment orchestration and processing for Central America and the Caribbean.
We provide payment orchestration and processing for Central America and the Caribbean.
Cauri
Cauri is a licensed Payment Service Institution acting under the license granted by Conduct Authority of UK. We provide the service of accepting payments by credit cards and alternative payment methods.
Cauri is a licensed Payment Service Institution acting under the license granted by Conduct Authority of UK. We provide the service of accepting payments by credit cards and alternative payment methods.
Razorpay
Power your finance, grow your business.
Razorpay is India’s first full-stack financial solutions company. We are on a mission to enhance the payment experience of over 300 million end consumers. And in doing so, we aim to enable Indian businesses - big and small - accept payments digitally with minimal effort and maximum ease.
Razorpay has grown from being a payment gateway provider to a solutions-driven organization boasting of an extensive products suite to accept and disburse payments as well as raise capital and park money. In a nutshell, we fit into every nook and corner where your business touches money.
#OutgrowOrdinary
We identify ourselves as disruptors in the digital payments space and our vision is to power the financial ecosystem for other disruptors. Like attracts like and Razorpay actively looks to partner with established companies and startups that have either broken the glass ceiling in their industry or are set to.
Power your finance, grow your business.
Razorpay is India’s first full-stack financial solutions company. We are on a mission to enhance the payment experience of over 300 million end consumers. And in doing so, we aim to enable Indian businesses - big and small - accept payments digitally with minimal effort and maximum ease.
Razorpay has grown from being a payment gateway provider to a solutions-driven organization boasting of an extensive products suite to accept and disburse payments as well as raise capital and park money. In a nutshell, we fit into every nook and corner where your business touches money.
#OutgrowOrdinary
We identify ourselves as disruptors in the digital payments space and our vision is to power the financial ecosystem for other disruptors. Like attracts like and Razorpay actively looks to partner with established companies and startups that have either broken the glass ceiling in their industry or are set to.
Enovepay
Since 2023, Enovepay has been on a mission to transform how payments are handled in Africa and Latin America. Now spanning 33 countries, we're a top choice for merchants, offering seamless payment solutions through our API and plugins. What makes us stand out is not just our competitive rates, but our unwavering focus on security and reliability. With PCI/DSS certification, we ensure every transaction is safeguarded. Our tailored payment solutions address the unique challenges and opportunities in both African and Latin American markets, simplifying commerce for businesses worldwide.
Since 2023, Enovepay has been on a mission to transform how payments are handled in Africa and Latin America. Now spanning 33 countries, we're a top choice for merchants, offering seamless payment solutions through our API and plugins. What makes us stand out is not just our competitive rates, but our unwavering focus on security and reliability. With PCI/DSS certification, we ensure every transaction is safeguarded. Our tailored payment solutions address the unique challenges and opportunities in both African and Latin American markets, simplifying commerce for businesses worldwide.
Truelayer
TrueLayer is Europe’s leading open banking payments network.
We power smarter, safer and faster online payments by combining real-time bank payments with financial and identity data.
Businesses big and small use our products to onboard new users, accept money and make payouts in seconds, and at scale.
TrueLayer is Europe’s leading open banking payments network.
We power smarter, safer and faster online payments by combining real-time bank payments with financial and identity data.
Businesses big and small use our products to onboard new users, accept money and make payouts in seconds, and at scale.
Mintcash
One platform for pay-ins, treasury, and pay-outs. Built for the businesses everyone else overcharges or ignores.
One platform for pay-ins, treasury, and pay-outs. Built for the businesses everyone else overcharges or ignores.
ILIXIUM
Our international Ilixium payment network combined with our routing engine is designed to increase acceptance rates for your customers. Stay ahead of the game and convert more customers for the same marketing spend.
Don’t gamble on whether your customers will pay or not, stay ahead of the game and increase your deposits by 21% with Ilixium
Our international Ilixium payment network combined with our routing engine is designed to increase acceptance rates for your customers. Stay ahead of the game and convert more customers for the same marketing spend.
Don’t gamble on whether your customers will pay or not, stay ahead of the game and increase your deposits by 21% with Ilixium
Sipay
We are the fastest growing fintech company in Turkiye!
Having received the awards of rising Fintech of the year, Sipay has reached thousands of businesses and tens of thousands of individual users, with a dynamic and innovative perspective since its establishment.
Uniting the Virtual POS, Physical POS, Open Banking, Wire Transfer/EFT, Digital Wallet and Prepaid Card products under one umbrella, it offers an easy, fast and secure payment experience.
Discover Sipay and unlock ways of driving growth and adding momentum to your business operations.
We are the fastest growing fintech company in Turkiye!
Having received the awards of rising Fintech of the year, Sipay has reached thousands of businesses and tens of thousands of individual users, with a dynamic and innovative perspective since its establishment.
Uniting the Virtual POS, Physical POS, Open Banking, Wire Transfer/EFT, Digital Wallet and Prepaid Card products under one umbrella, it offers an easy, fast and secure payment experience.
Discover Sipay and unlock ways of driving growth and adding momentum to your business operations.
AFS
Arab Financial Services (AFS) was formed in 1984 to provide payment products, services and expertise to banks and merchant groups and deliver customized payment solutions in an increasingly divergent, disruptive, and dynamic payment eco-system.
A key to the growing and continued success of the company was an executive team determined to invest in the most up-to-date, cutting edge technologies. AFS is owned by a total of 37 banks and financial institutions and serves over 60 clients in more than 20 countries across MEA.
Today, AFS is the region’s leading digital payment solutions provider and Fintech enabler, regulated by the Central Bank of Bahrain.
AFS’s innovative approach to the provision of financial services is evidenced by a series of pioneering payment services that covers card processing services, merchant acquiring, fintech solutions and an impressive array of value-added services.
Arab Financial Services (AFS) was formed in 1984 to provide payment products, services and expertise to banks and merchant groups and deliver customized payment solutions in an increasingly divergent, disruptive, and dynamic payment eco-system.
A key to the growing and continued success of the company was an executive team determined to invest in the most up-to-date, cutting edge technologies. AFS is owned by a total of 37 banks and financial institutions and serves over 60 clients in more than 20 countries across MEA.
Today, AFS is the region’s leading digital payment solutions provider and Fintech enabler, regulated by the Central Bank of Bahrain.
AFS’s innovative approach to the provision of financial services is evidenced by a series of pioneering payment services that covers card processing services, merchant acquiring, fintech solutions and an impressive array of value-added services.
Secupay
secupay AG, based in Pulsnitz near Dresden, is the largest owner-managed payment institution approved by BaFin. Founded in 2000 by Hans-Peter Weber as a provider of EC terminals, the company has evolved with the ever-changing demands of the payment market into a specialist for tailored payment and loyalty solutions online, offline, and cross-channel, for brick-and-mortar retail, eCommerce, and sophisticated marketplace and platform businesses. This enables secupay to provide a seamless and secure payment experience for every sales channel—both for merchants and their customers.
With its loyalty division "secucard," secupay offers customer retention solutions for both physical and online retail. Coupons, vouchers, or customer cards with customizable loyalty programs can be accepted contactlessly or through optical capture of card data at the POS via cash register, tablet, or terminal.
secupay AG, based in Pulsnitz near Dresden, is the largest owner-managed payment institution approved by BaFin. Founded in 2000 by Hans-Peter Weber as a provider of EC terminals, the company has evolved with the ever-changing demands of the payment market into a specialist for tailored payment and loyalty solutions online, offline, and cross-channel, for brick-and-mortar retail, eCommerce, and sophisticated marketplace and platform businesses. This enables secupay to provide a seamless and secure payment experience for every sales channel—both for merchants and their customers.
With its loyalty division "secucard," secupay offers customer retention solutions for both physical and online retail. Coupons, vouchers, or customer cards with customizable loyalty programs can be accepted contactlessly or through optical capture of card data at the POS via cash register, tablet, or terminal.
OPAY
OPay is designed to make financial services more accessible to everyday customers –– whether it’s for the bills they have to pay, or the transfer & withdrawal of money; OPay's a platform that truly serves its users in the most convenient way.
OPay is designed to make financial services more accessible to everyday customers –– whether it’s for the bills they have to pay, or the transfer & withdrawal of money; OPay's a platform that truly serves its users in the most convenient way.
Uqpay
ounded in 2017, UQPay is a digital payment solution provider headquartered in Singapore with subsidiaries across Mainland China, Hong Kong, Malaysia and Indonesia. UQPay is a SWIFT member and connected to major card schemes including Visa, Mastercard, Unionpay International, JCB, American Express and Diners Club International and alternative payment providers.
We bridge the gap between traditional, siloed payment systems and the borderless transactions businesses need today.
Our cloud-based platform, powered by cutting-edge technology, is fully compliant with global regulations, empowering businesses with:
- Seamless integration: UQPay offers a complete one-stop integrated payment service with single-point access for full-scenario applications.
- One-stop platform: Manage all your international payments from a single, intuitive interface with flexible custom multi-channel payments.
ounded in 2017, UQPay is a digital payment solution provider headquartered in Singapore with subsidiaries across Mainland China, Hong Kong, Malaysia and Indonesia. UQPay is a SWIFT member and connected to major card schemes including Visa, Mastercard, Unionpay International, JCB, American Express and Diners Club International and alternative payment providers.
We bridge the gap between traditional, siloed payment systems and the borderless transactions businesses need today.
Our cloud-based platform, powered by cutting-edge technology, is fully compliant with global regulations, empowering businesses with:
- Seamless integration: UQPay offers a complete one-stop integrated payment service with single-point access for full-scenario applications.
- One-stop platform: Manage all your international payments from a single, intuitive interface with flexible custom multi-channel payments.
Optty
Optty is the world's first single true API to over 135 payment partners spanning 140 countries and 120 currencies. Founded in Singapore, Optty's unique business user interface enables the connection of a payment method in under a minute and provides merchants with marketing tools and widgets connected to major platforms and a full "Get Paid" checkout for merchants without an ecommerce website or POS instore.
We bring payments to every merchant everywhere. With more BNPLS than any other solution in the world, Optty provides connections across BNPL, Wallets, Crypto, Account to Account, Debit and Credit processors and more. Powering Schemes, Banks, PSP's, Gateways and Orchestrators via our innovative white label solution and Merchants directly, Optty is the channel providing payments inclusion and real merchant services like never before.
Optty is the world's first single true API to over 135 payment partners spanning 140 countries and 120 currencies. Founded in Singapore, Optty's unique business user interface enables the connection of a payment method in under a minute and provides merchants with marketing tools and widgets connected to major platforms and a full "Get Paid" checkout for merchants without an ecommerce website or POS instore.
We bring payments to every merchant everywhere. With more BNPLS than any other solution in the world, Optty provides connections across BNPL, Wallets, Crypto, Account to Account, Debit and Credit processors and more. Powering Schemes, Banks, PSP's, Gateways and Orchestrators via our innovative white label solution and Merchants directly, Optty is the channel providing payments inclusion and real merchant services like never before.
MangoPay
Mangopay is a modular and flexible payment infrastructure provider. We power payments for the world's largest and most innovative marketplaces and platforms, including Vinted, Chrono24, Wallapop, La Redoute, Rakuten and many more.
Partner with us to select and connect the products you need to succeed, from pay-in to payout and everything in between.
Mangopay is a modular and flexible payment infrastructure provider. We power payments for the world's largest and most innovative marketplaces and platforms, including Vinted, Chrono24, Wallapop, La Redoute, Rakuten and many more.
Partner with us to select and connect the products you need to succeed, from pay-in to payout and everything in between.
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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.
