Atlas
Buyway
As an independent Fintech for almost 10 years, Buy Way is the undisputed leader in consumer credit at points of sale in Belgium and Luxembourg. In addition to its historic activity in Retail, the company offers financing and credit solutions to clients active in financial services and/or service sectors. The company has its headquarters in Brussels and counts more than 250 professionals of 13 different nationalities. Its mission is threefold:
- Propose transparent and fluent financing solutions
- Offer innovative products to optimise the purchase experience
- Personalize the service to each client and retailer
Today, the company disrupts the consumer credit industry with a fully digital and paperless offering, both at points of sale and for the e-commerce channel.
Buy Way’s reference shareholder, Chenavari Investment Managers, is an alternative investment company specialized in European credit market
As an independent Fintech for almost 10 years, Buy Way is the undisputed leader in consumer credit at points of sale in Belgium and Luxembourg. In addition to its historic activity in Retail, the company offers financing and credit solutions to clients active in financial services and/or service sectors. The company has its headquarters in Brussels and counts more than 250 professionals of 13 different nationalities. Its mission is threefold:
- Propose transparent and fluent financing solutions
- Offer innovative products to optimise the purchase experience
- Personalize the service to each client and retailer
Today, the company disrupts the consumer credit industry with a fully digital and paperless offering, both at points of sale and for the e-commerce channel.
Buy Way’s reference shareholder, Chenavari Investment Managers, is an alternative investment company specialized in European credit market
Fintonic
We are Fintonic, the ultimate solution for enabling access to credit and analyzing individuals' credit risk. This is made possible thanks to our advanced technology based on artificial intelligence and deep-tech, as well as daily access to the largest aggregation of bank accounts in Spain. With a track record of over a decade, an active user base of more than half a million, and over 600 million euros in managed loans, we are at the forefront of financial technology.
As the first fintech in Spain authorized for payment procedures and open banking aggregation under the PSD2 regulation, our platform not only acts as a credit marketplace but also excels as a personal finance manager (PFM) and consumer analytics platform.
Fintonic is entering an ambitious new stage, and we have a new vision: to become the ultimate standard for credit scoring and the leading challenger in consumer financing, driven by superior technology and leadership in data usage.
We are Fintonic, the ultimate solution for enabling access to credit and analyzing individuals' credit risk. This is made possible thanks to our advanced technology based on artificial intelligence and deep-tech, as well as daily access to the largest aggregation of bank accounts in Spain. With a track record of over a decade, an active user base of more than half a million, and over 600 million euros in managed loans, we are at the forefront of financial technology.
As the first fintech in Spain authorized for payment procedures and open banking aggregation under the PSD2 regulation, our platform not only acts as a credit marketplace but also excels as a personal finance manager (PFM) and consumer analytics platform.
Fintonic is entering an ambitious new stage, and we have a new vision: to become the ultimate standard for credit scoring and the leading challenger in consumer financing, driven by superior technology and leadership in data usage.
Flywire
Flywire Corporation (Nasdaq: FLYW) is a global payments enablement and software company. We combine our proprietary global payments network, next-gen payments platform and vertical-specific software to deliver the most important and complex payments for our clients and their customers.
Flywire leverages its vertical-specific software and payments technology to deeply embed within the existing A/R workflows for its clients across the education, healthcare and travel vertical markets, as well as in key B2B industries. Flywire also integrates with leading ERP systems, such as NetSuite, so organizations can optimize the payment experience for their customers while eliminating operational challenges.
Flywire supports more than 4,000+ clients with diverse payment methods in more than 140 currencies across 240 countries and territories around the world. Flywire is headquartered in Boston, MA, USA with global offices.
Flywire Corporation (Nasdaq: FLYW) is a global payments enablement and software company. We combine our proprietary global payments network, next-gen payments platform and vertical-specific software to deliver the most important and complex payments for our clients and their customers.
Flywire leverages its vertical-specific software and payments technology to deeply embed within the existing A/R workflows for its clients across the education, healthcare and travel vertical markets, as well as in key B2B industries. Flywire also integrates with leading ERP systems, such as NetSuite, so organizations can optimize the payment experience for their customers while eliminating operational challenges.
Flywire supports more than 4,000+ clients with diverse payment methods in more than 140 currencies across 240 countries and territories around the world. Flywire is headquartered in Boston, MA, USA with global offices.
Freemarketfx
Freemarket works with businesses to accelerate their growth by giving them access to cross-border payments and currency exchange optimised for their needs.
Freemarket's platform gives you access to a global bank network and innovative technology in one place, allowing you to streamline your processes, remove complexity and increase efficiency.
Freemarket is authorised and regulated by the Financial Conduct Authority.
Freemarket works with businesses to accelerate their growth by giving them access to cross-border payments and currency exchange optimised for their needs.
Freemarket's platform gives you access to a global bank network and innovative technology in one place, allowing you to streamline your processes, remove complexity and increase efficiency.
Freemarket is authorised and regulated by the Financial Conduct Authority.
Paytop
PayTop’s Promise: Innovative, simplified financial services at the best price!
PayTop, a French startup founded in 2012, is the French leader in international online payment services. PayTop offers a range of services (money transfers, currency exchange, and a multi-currency payment card) that allow the general public to send money and make payments anywhere in the world — easily, securely, and at the best rates. The company is backed by Truffle Capital, a key shareholder in the FinTech sector.
PayTop’s Promise: Innovative, simplified financial services at the best price!
PayTop, a French startup founded in 2012, is the French leader in international online payment services. PayTop offers a range of services (money transfers, currency exchange, and a multi-currency payment card) that allow the general public to send money and make payments anywhere in the world — easily, securely, and at the best rates. The company is backed by Truffle Capital, a key shareholder in the FinTech sector.
Bridge Solution
Bridge Solution is an innovative SaaS platform in need of reliable payment partners to scale globally. We are looking for processing solutions to help us securely and conveniently accept payments from customers around the world.
Bridge Solution is an innovative SaaS platform in need of reliable payment partners to scale globally. We are looking for processing solutions to help us securely and conveniently accept payments from customers around the world.
Paymentus
Paymentus (NYSE: PAY) is a leading provider of cloud-based bill payment technology and solutions. We deliver our next-generation product suite through a modern technology stack to more than 2,200 billers across North America. Our omni-channel platform provides consumers with easy-to-use, flexible and secure electronic bill payment experiences through their preferred payment channel and type.
Paymentus’ proprietary Instant Payment Network®, or IPN, extends our reach by connecting our IPN partners’ platforms and tens of thousands of billers to our integrated billing, payment, and reconciliation capabilities.
Paymentus serves billers of all sizes across a variety of industry verticals, including utilities, financial services, insurance, government, telecommunications and healthcare.
Paymentus (NYSE: PAY) is a leading provider of cloud-based bill payment technology and solutions. We deliver our next-generation product suite through a modern technology stack to more than 2,200 billers across North America. Our omni-channel platform provides consumers with easy-to-use, flexible and secure electronic bill payment experiences through their preferred payment channel and type.
Paymentus’ proprietary Instant Payment Network®, or IPN, extends our reach by connecting our IPN partners’ platforms and tens of thousands of billers to our integrated billing, payment, and reconciliation capabilities.
Paymentus serves billers of all sizes across a variety of industry verticals, including utilities, financial services, insurance, government, telecommunications and healthcare.
PeP Online
Whilst being offered over 30 payment methods available in the majority of countries all over the world, you may perfectly well follow the needs of your clients and demands set on the market where your operate.
The range of 160 currencies included in our offer constitutes an ocean of possibilities for your business. The payment itself is effected in the currency that is preferred by you or your client respectively, whereas the payments are credited on your account in the currency which proves most convenient to you! With no additional currency conversion tariffs and charges to be paid by the bank.
Whilst being offered over 30 payment methods available in the majority of countries all over the world, you may perfectly well follow the needs of your clients and demands set on the market where your operate.
The range of 160 currencies included in our offer constitutes an ocean of possibilities for your business. The payment itself is effected in the currency that is preferred by you or your client respectively, whereas the payments are credited on your account in the currency which proves most convenient to you! With no additional currency conversion tariffs and charges to be paid by the bank.
E-Comprocessing (ECP)
E-Comprocessing - Your link to card schemes
E-Comprocessing offers world-class acquiring services to EU-based eCommerce merchants and IPSPs. Risk and treasury teams, supported by purpose-built full Level 1 PCI DSS compliant gateways, fully manage and control successful merchant activities.
E-Comprocessing's acquiring services are available for an extensive range of business categories that are domiciled or have an operational entity in Europe. E-Comprocessing works closely with its partners to ensure that a balanced and stable portfolio is maintained to ensure a continued processing solution for its partners’ merchants.
E-Comprocessing - Your link to card schemes
E-Comprocessing offers world-class acquiring services to EU-based eCommerce merchants and IPSPs. Risk and treasury teams, supported by purpose-built full Level 1 PCI DSS compliant gateways, fully manage and control successful merchant activities.
E-Comprocessing's acquiring services are available for an extensive range of business categories that are domiciled or have an operational entity in Europe. E-Comprocessing works closely with its partners to ensure that a balanced and stable portfolio is maintained to ensure a continued processing solution for its partners’ merchants.
Comercia Global Payments
The mission of Comercia Global Payments is to provide the highest quality payment management service in the world, through strong partnerships and a generous commitment to our customers and employees.
As a subsidiary of "la Caixa" and Global Payments, Comercia Global Payments upholds the goals of both parent companies by offering the best and most comprehensive payment management service to the largest number of customers and intermediaries, providing flexible and tailored solutions to meet their needs.
Among the core values that guide our company are innovation, continuous improvement, and exceeding our customers' expectations.
These values and fundamental principles of action are the cornerstone of Comercia Global Payments, serving as the guiding framework for the entire organization and the key to our management model.
The mission of Comercia Global Payments is to provide the highest quality payment management service in the world, through strong partnerships and a generous commitment to our customers and employees.
As a subsidiary of "la Caixa" and Global Payments, Comercia Global Payments upholds the goals of both parent companies by offering the best and most comprehensive payment management service to the largest number of customers and intermediaries, providing flexible and tailored solutions to meet their needs.
Among the core values that guide our company are innovation, continuous improvement, and exceeding our customers' expectations.
These values and fundamental principles of action are the cornerstone of Comercia Global Payments, serving as the guiding framework for the entire organization and the key to our management model.
BetterBro
We are here if you need cards and alternative payment methods across LATAM or other countries. Our turnkey integrations provide high approval rates, backed by robust anti-fraud protection
We are here if you need cards and alternative payment methods across LATAM or other countries. Our turnkey integrations provide high approval rates, backed by robust anti-fraud protection
Dreamzpay
Welcome to Dreamzpay, where innovation meets simplicity in the world of payment solutions. We're Sirapal Payment Ltd, a forward-thinking company dedicated to transforming the way businesses handle transactions. With a passion for technology and a commitment to empowering modern businesses, we've crafted Dreamzpay to provide seamless, secure, and convenient payment solutions.
Welcome to Dreamzpay, where innovation meets simplicity in the world of payment solutions. We're Sirapal Payment Ltd, a forward-thinking company dedicated to transforming the way businesses handle transactions. With a passion for technology and a commitment to empowering modern businesses, we've crafted Dreamzpay to provide seamless, secure, and convenient payment solutions.
Payswix EU
Payswix, UAB is a safe, smart, and multifunctional system that provides a full One Stop Payment Solutions to satisfy the client’s needs! Get all the services you need in just one click! Payswix, UAB is an Electronic Money Institution, authorized by the Central Bank of Lithuania (Nr. 21) for the issuing of electronic money
Payswix, UAB is a safe, smart, and multifunctional system that provides a full One Stop Payment Solutions to satisfy the client’s needs! Get all the services you need in just one click! Payswix, UAB is an Electronic Money Institution, authorized by the Central Bank of Lithuania (Nr. 21) for the issuing of electronic money
Gr4vy
Upgrade to the future of payments infrastructure. With the constant increase in payment options and providers across the globe, managing payment infrastructure to support multiple offerings has become complex. As a result, businesses are often challenged with long lead times to launch payment methods, limited resources, and added complexity when expanding into new markets. Gr4vy is a cloud-based payments platform that takes the complexity out of building and managing your payment ecosystem, allowing you to customize and optimize all your payments through one simple, universal integration. Gr4vy’s no-code rules engine allows businesses to get access to 100+ unique payment methods and anti-fraud providers worldwide. Merchants can personalize checkout experiences for every customer, create dynamic and smart rules for routing and retries, tokenize transactions, migrate data between providers and much more.
Upgrade to the future of payments infrastructure. With the constant increase in payment options and providers across the globe, managing payment infrastructure to support multiple offerings has become complex. As a result, businesses are often challenged with long lead times to launch payment methods, limited resources, and added complexity when expanding into new markets. Gr4vy is a cloud-based payments platform that takes the complexity out of building and managing your payment ecosystem, allowing you to customize and optimize all your payments through one simple, universal integration. Gr4vy’s no-code rules engine allows businesses to get access to 100+ unique payment methods and anti-fraud providers worldwide. Merchants can personalize checkout experiences for every customer, create dynamic and smart rules for routing and retries, tokenize transactions, migrate data between providers and much more.
BREINROCK
We are BREINROCK: Where technology meets finance, providing world-class fintech payment solutions to clients across the globe
We are BREINROCK: Where technology meets finance, providing world-class fintech payment solutions to clients across the globe
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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.
