Atlas
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.
Meniga
Meniga is a global leader in digital banking solutions, serving over 100 million banking customers across 165 financial institutions in 30 countries spanning Europe, North America, the Middle East and Asia.
Our customers include some of the most influential banks of these regions, such as UniCredit, Groupe BPCE, UOB, Swedbank, SAB, Tangerine, and Crédito Agrícola.
Our award-winning products enable large financial institutions to transform their online and mobile digital environments with minimal investment within weeks, not years. Meniga has developed a framework for next-generation digital banking around advanced data consolidation and enrichment and AI-powered Insights, allowing banks to hyper-personalise the digital banking experience. Our state-of-the-art finance management solutions position Meniga as the chosen orchestration platform for enabling neobank-grade customer experiences.
Meniga is a global leader in digital banking solutions, serving over 100 million banking customers across 165 financial institutions in 30 countries spanning Europe, North America, the Middle East and Asia.
Our customers include some of the most influential banks of these regions, such as UniCredit, Groupe BPCE, UOB, Swedbank, SAB, Tangerine, and Crédito Agrícola.
Our award-winning products enable large financial institutions to transform their online and mobile digital environments with minimal investment within weeks, not years. Meniga has developed a framework for next-generation digital banking around advanced data consolidation and enrichment and AI-powered Insights, allowing banks to hyper-personalise the digital banking experience. Our state-of-the-art finance management solutions position Meniga as the chosen orchestration platform for enabling neobank-grade customer experiences.
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.
Paytah
Phoenix Payments Ltd - PAYTAH Payment Solutions is a fully licensed financial institution regulated by the Malta Financial Services Authority (MFSA) and has passported its activity to all 28 EU and EEA member states. We operate under the legal framework of the European Payment Services Directive established to provide safer and more innovative payment services across the EU.
Phoenix Payments Ltd - PAYTAH Payment Solutions is a fully licensed financial institution regulated by the Malta Financial Services Authority (MFSA) and has passported its activity to all 28 EU and EEA member states. We operate under the legal framework of the European Payment Services Directive established to provide safer and more innovative payment services across the EU.
Weststeincard
WestStein Mastercard is a prepaid debit card with an online bank account that allows you to make money transfers, withdraw cash, and shop online and offline all over the world with friendly fees.
The IBAN account is issued without a credit history check and is suited for all incoming and outgoing payments, including SEPA. The card can be topped up in several ways, including with a prepaid voucher.
With WestStein Mastercard your online purchases are safe and discreet, as your account is not linked to your local bank.
Great for controlling your budget as you can only spend what you have loaded on the card. WestStein Mastercard is also the perfect solution for managing your family’s financial needs as you can link up to three cards to the main account.
The user-friendly WestStein client portal and mobile app let you swiftly send and receive payments and check your balance from any location in the world.
WestStein Mastercard is a prepaid debit card with an online bank account that allows you to make money transfers, withdraw cash, and shop online and offline all over the world with friendly fees.
The IBAN account is issued without a credit history check and is suited for all incoming and outgoing payments, including SEPA. The card can be topped up in several ways, including with a prepaid voucher.
With WestStein Mastercard your online purchases are safe and discreet, as your account is not linked to your local bank.
Great for controlling your budget as you can only spend what you have loaded on the card. WestStein Mastercard is also the perfect solution for managing your family’s financial needs as you can link up to three cards to the main account.
The user-friendly WestStein client portal and mobile app let you swiftly send and receive payments and check your balance from any location in the world.
RaboBank
Rabobank is a cooperative bank with a mission. Our goal: to help customers realize their ambitions. We serve about 10 million customers in 47 countries. As an international financial institution, we work on the well-being and prosperity of millions of people. In the Netherlands, we serve individual and business customers. Globally, we focus on the food and agriculture sectors. For big or small challenges, in every area, people join forces in search of solutions. Rabobank has been doing this for 125 years, and we will continue to grow a better world together.
As an employer, we support the growth of colleagues every day. At Rabobank, you can work on your own development & shape the world around you. This is reflected in your own development budget, our hybrid work environment, and a good balance between your work and home life. You can work on banking matters for our individual and business customers, as well as on societal issues such as food and energy transitions.
Rabobank is a cooperative bank with a mission. Our goal: to help customers realize their ambitions. We serve about 10 million customers in 47 countries. As an international financial institution, we work on the well-being and prosperity of millions of people. In the Netherlands, we serve individual and business customers. Globally, we focus on the food and agriculture sectors. For big or small challenges, in every area, people join forces in search of solutions. Rabobank has been doing this for 125 years, and we will continue to grow a better world together.
As an employer, we support the growth of colleagues every day. At Rabobank, you can work on your own development & shape the world around you. This is reflected in your own development budget, our hybrid work environment, and a good balance between your work and home life. You can work on banking matters for our individual and business customers, as well as on societal issues such as food and energy transitions.
Bitso
Bitso is Latin America’s leading Financial Services company powered by crypto. With millions of clients, we are leading the financial revolution with borderless, secure, transparent, and accessible financial products.
With the mission to unlock the power of borderless, secure, and easy-to-use financial products by making crypto useful, we are committed to empowering the region with universal access to the digital economy of the future and enabling a fairer monetary system.
Bitso is Latin America’s leading Financial Services company powered by crypto. With millions of clients, we are leading the financial revolution with borderless, secure, transparent, and accessible financial products.
With the mission to unlock the power of borderless, secure, and easy-to-use financial products by making crypto useful, we are committed to empowering the region with universal access to the digital economy of the future and enabling a fairer monetary system.
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.
FinLine
FINANCIAL LINE is PCI DSS Level 1 certified, supports 3DS 2, and has clear standards for verifying both merchants and payers. Modern IT infrastructure, written in Scala, ensures uninterrupted service operation with an SLA of 99.9%.
FINANCIAL LINE is PCI DSS Level 1 certified, supports 3DS 2, and has clear standards for verifying both merchants and payers. Modern IT infrastructure, written in Scala, ensures uninterrupted service operation with an SLA of 99.9%.
Aplauz
Aplauz is prepaid digital credit that empowers people to make conscious spending. Aplauz vouchers can be bought at convenience stores and used to make online payments without any of the traditional online payment methods, and without having a bank account. It is ideal for those who don’t own a credit card or don’t want to disclose financial details, to securely buy online, while staying in control of their spending.
Aplauz is prepaid digital credit that empowers people to make conscious spending. Aplauz vouchers can be bought at convenience stores and used to make online payments without any of the traditional online payment methods, and without having a bank account. It is ideal for those who don’t own a credit card or don’t want to disclose financial details, to securely buy online, while staying in control of their spending.
Luxpay
Luxpay - Inovação e Tecnologia de ponta na Fabricação de Produtos Eletrônicos
Luxpay - Inovação e Tecnologia de ponta na Fabricação de Produtos Eletrônicos
CellPoint Digital
CellPoint Digital is on a mission to make payments a strategic advantage for businesses. We are leading payment orchestration globally. Our cutting-edge platform helps our clients turn payments from a cost into a profit booster. Beyond helping our clients to optimize the payment experience, our innovative solutions help them gain insight into their payment ecosystem to maximize approvals, lower costs and take control of their payments, resulting in more money to the bottom line. We simplify the complexity of 28+ card schemes (think MasterCard, Visa, American Express), 168+ alternative payment methods (think ApplePay, PayPal, Alipay) and 220+ processors (think Worldpay, Elavon, Union Pay) with a platform that combines the best of them all with intelligent routing driving dramatic success for our clients. We serve large enterprise clients and mid-size market leaders across a variety of industries, like airlines and travel, e-commerce, gaming and marketplaces.
CellPoint Digital is on a mission to make payments a strategic advantage for businesses. We are leading payment orchestration globally. Our cutting-edge platform helps our clients turn payments from a cost into a profit booster. Beyond helping our clients to optimize the payment experience, our innovative solutions help them gain insight into their payment ecosystem to maximize approvals, lower costs and take control of their payments, resulting in more money to the bottom line. We simplify the complexity of 28+ card schemes (think MasterCard, Visa, American Express), 168+ alternative payment methods (think ApplePay, PayPal, Alipay) and 220+ processors (think Worldpay, Elavon, Union Pay) with a platform that combines the best of them all with intelligent routing driving dramatic success for our clients. We serve large enterprise clients and mid-size market leaders across a variety of industries, like airlines and travel, e-commerce, gaming and marketplaces.
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.
