Atlas
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.
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.
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
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.
Kevin
One solution for online and POS payments: kevin. provides an innovative payment solution that covers all types of online and offline business: one contract, one subscription, no additional headaches.
One solution for online and POS payments: kevin. provides an innovative payment solution that covers all types of online and offline business: one contract, one subscription, no additional headaches.
Epoint payments
Epoint – it is a digital payment aggregator and e-commerce platform for small and medium enterprises.
Epoint – it is a digital payment aggregator and e-commerce platform for small and medium enterprises.
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.
Cm payments
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.
Brainpoint
The payment platform Brainpoint has an omnichannel payment system that primarily processes Point Of Sale (POS) payments. The services include processing Maestro, V-Pay, DBMC, and VIDB payments, as well as providing business credit. Additionally, customers can purchase or rent payment terminals from Brainpoint.
**Locations**
Brainpoint's locations are at Rotterdam Airport and Schiphol. In Belgium, the office is located in Zaventem near Brussels.
**Licenses**
De Nederlandsche Bank (DNB) has granted Brainpoint a license as a Payment Service Provider based on the Financial Supervision Act (www.dnb.nl). The DNB license is international and is recognized by the governments and financial regulators of all countries in the European Community.
The payment platform Brainpoint has an omnichannel payment system that primarily processes Point Of Sale (POS) payments. The services include processing Maestro, V-Pay, DBMC, and VIDB payments, as well as providing business credit. Additionally, customers can purchase or rent payment terminals from Brainpoint.
**Locations**
Brainpoint's locations are at Rotterdam Airport and Schiphol. In Belgium, the office is located in Zaventem near Brussels.
**Licenses**
De Nederlandsche Bank (DNB) has granted Brainpoint a license as a Payment Service Provider based on the Financial Supervision Act (www.dnb.nl). The DNB license is international and is recognized by the governments and financial regulators of all countries in the European Community.
Bepi
Billing platform for D2C business
Billing platform for D2C business
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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.
