Atlas
SPECTRA MERCHANT SERVICES
SPECTRA Merchant Services Ltd. (hereinafter referred to as “SMS”), a wholly owned subsidiary of SPECTRA Technologies Holdings Company Ltd., was established in 2017 to serve the Hong Kong payment industry. Foreseeing more and more new payment facilities will be implemented in Hong Kong, SMS takes the role to gear our latest payment product with new payment solution integrated with our terminal management system, to provide a better merchant service and new experience to all merchants and consumers.
SPECTRA Merchant Services Ltd. (hereinafter referred to as “SMS”), a wholly owned subsidiary of SPECTRA Technologies Holdings Company Ltd., was established in 2017 to serve the Hong Kong payment industry. Foreseeing more and more new payment facilities will be implemented in Hong Kong, SMS takes the role to gear our latest payment product with new payment solution integrated with our terminal management system, to provide a better merchant service and new experience to all merchants and consumers.
Phi Commerce Private
Founded in 2015, Phi Commerce has created PayPhi, a ground-breaking omni-channel payment processing platform which processes digital payments at doorstep, online & in-store across variety of form factors such as cards, net-banking, UPI, Aadhaar, BharatQR, wallets, NEFT, RTGS, and NACH. The company was established with the objective to digitize white spaces in payments & go beyond routine payment processing.
Phi Commerce’s PayPhi Digital Enablement suite has been developed with the mission of empowering very large untapped blue-ocean sectors dominated by offline payment modes such as cash & cheque to accept digital payments.
Custom built enablers around PayPhi, help businesses create, present and process digital payments. Our solutions take into consideration legacy systems and complex workflows of businesses, use case, stakeholders in payment ecosystem such as merchants, consumers, banks, networks and ancillary players etc.
Founded in 2015, Phi Commerce has created PayPhi, a ground-breaking omni-channel payment processing platform which processes digital payments at doorstep, online & in-store across variety of form factors such as cards, net-banking, UPI, Aadhaar, BharatQR, wallets, NEFT, RTGS, and NACH. The company was established with the objective to digitize white spaces in payments & go beyond routine payment processing.
Phi Commerce’s PayPhi Digital Enablement suite has been developed with the mission of empowering very large untapped blue-ocean sectors dominated by offline payment modes such as cash & cheque to accept digital payments.
Custom built enablers around PayPhi, help businesses create, present and process digital payments. Our solutions take into consideration legacy systems and complex workflows of businesses, use case, stakeholders in payment ecosystem such as merchants, consumers, banks, networks and ancillary players etc.
Hitachi Payment Services
In the fast changing world of money and banking, we empower Banks and Fintechs with innovative and end-to-end payments and commerce solutions that create customer delight, drive profitability and most importantly, bring payment services closer to people.
As India’s foremost payments and commerce solutions provider, our offerings are designed to meet the ever-changing needs of our customers. With cutting-edge solutions, robust infrastructure and end-to-end services, we help our customers stay ahead of the curve.
In the fast changing world of money and banking, we empower Banks and Fintechs with innovative and end-to-end payments and commerce solutions that create customer delight, drive profitability and most importantly, bring payment services closer to people.
As India’s foremost payments and commerce solutions provider, our offerings are designed to meet the ever-changing needs of our customers. With cutting-edge solutions, robust infrastructure and end-to-end services, we help our customers stay ahead of the curve.
FNB
First National Bank (FNB) offers a range of tailored business solutions designed to enhance financial management. FNB provides comprehensive services including flexible payment solutions, business loans, and cash management tools. Its advanced digital banking platform enables businesses to manage accounts, process transactions, and access real-time financial insights from anywhere. With a focus on innovation and customer support, FNB helps businesses streamline operations and achieve their financial goals effectively.
FNB: reviews
Customers appreciate the bank's responsive customer service and innovative solutions, which enhance financial efficiency and support business growth.
FNB: competitors
Consider Scotiabank, BCI, Citi, and Discover as key alternatives to FNB.
First National Bank (FNB) offers a range of tailored business solutions designed to enhance financial management. FNB provides comprehensive services including flexible payment solutions, business loans, and cash management tools. Its advanced digital banking platform enables businesses to manage accounts, process transactions, and access real-time financial insights from anywhere. With a focus on innovation and customer support, FNB helps businesses streamline operations and achieve their financial goals effectively.
FNB: reviews
Customers appreciate the bank's responsive customer service and innovative solutions, which enhance financial efficiency and support business growth.
FNB: competitors
Consider Scotiabank, BCI, Citi, and Discover as key alternatives to FNB.
Cashsentinel
Your one-stop shop for contracting and payments.
CashSentinel helps you formalize and validate deals, secure funds, trigger payments, and streamline collaboration — all in one compliant platform.
We process hundreds of millions in payment flows each year for intermediaries, brokers, contractors, and financing entities — across industries like automotive sales, renovation and construction, and marketplaces.
Our solution, MyPortal, is a turnkey, white-label service combining digital contracting, client onboarding, KYC, escrow, payment splitting, and payouts — built to simplify complex transactions and accelerate trust between all parties.
Your one-stop shop for contracting and payments.
CashSentinel helps you formalize and validate deals, secure funds, trigger payments, and streamline collaboration — all in one compliant platform.
We process hundreds of millions in payment flows each year for intermediaries, brokers, contractors, and financing entities — across industries like automotive sales, renovation and construction, and marketplaces.
Our solution, MyPortal, is a turnkey, white-label service combining digital contracting, client onboarding, KYC, escrow, payment splitting, and payouts — built to simplify complex transactions and accelerate trust between all parties.
Londonandzurich
London & Zurich are a Direct Debit provider who specialise in the provision of Direct Debit and Card Payment collection facilities to a variety of companies across a range of sectors, ranging from small businesses to large blue chip organisations.
Our online Direct Debit systems are designed to make it easier, more efficient and more secure for companies to collect payments from their customers.
Direct Debit is the most secure and cost-effective way to collect payments, and is used across a variety of industries by companies who are looking for a quick and safe way to process funds. With over 15 years of industry experience, London & Zurich are the experts in providing direct debit for small and large businesses. We specialise in helping our customers make the most of Direct Debit.
Fully secure and cloud based, our system will enable you to make Direct Debit collections without the administration, paperwork and personnel costs associated with cash or cheque payments.
London & Zurich are a Direct Debit provider who specialise in the provision of Direct Debit and Card Payment collection facilities to a variety of companies across a range of sectors, ranging from small businesses to large blue chip organisations.
Our online Direct Debit systems are designed to make it easier, more efficient and more secure for companies to collect payments from their customers.
Direct Debit is the most secure and cost-effective way to collect payments, and is used across a variety of industries by companies who are looking for a quick and safe way to process funds. With over 15 years of industry experience, London & Zurich are the experts in providing direct debit for small and large businesses. We specialise in helping our customers make the most of Direct Debit.
Fully secure and cloud based, our system will enable you to make Direct Debit collections without the administration, paperwork and personnel costs associated with cash or cheque payments.
Monese
We’re reimagining the way banking works.
We make it easy to manage your money – wherever you are in the world. We create financial freedom for all of us who live, work, travel, study or send money abroad.
We’re the mobile app alternative to the banks, offering accounts you can open instantly so that you don’t lose access to the money you need every time you cross a border on a map.
We’re here for everyone, not just for those with perfect credit scores or the right set of utility bills.
We’re reimagining the way banking works.
We make it easy to manage your money – wherever you are in the world. We create financial freedom for all of us who live, work, travel, study or send money abroad.
We’re the mobile app alternative to the banks, offering accounts you can open instantly so that you don’t lose access to the money you need every time you cross a border on a map.
We’re here for everyone, not just for those with perfect credit scores or the right set of utility bills.
Moolahgo
We are a leading Asian Fintech firm founded in Singapore. At Moolahgo, we aim to make financial services accessible to everyone and anyone. We believe everyone deserves fast, fair and affordable financial services.
Backed by one of Asia’s largest conglomerate, the Lippo Group, moolahgo has grown from servicing businesses across diverse segments to providing digital payments in an eWallet for consumers.
Our services include:
- For Consumers : Digital Payments | eWallet
- For Businesses : Payment Services Provider | Payments Processor | Payments-As-A-Service | Revenue Collection
We are a leading Asian Fintech firm founded in Singapore. At Moolahgo, we aim to make financial services accessible to everyone and anyone. We believe everyone deserves fast, fair and affordable financial services.
Backed by one of Asia’s largest conglomerate, the Lippo Group, moolahgo has grown from servicing businesses across diverse segments to providing digital payments in an eWallet for consumers.
Our services include:
- For Consumers : Digital Payments | eWallet
- For Businesses : Payment Services Provider | Payments Processor | Payments-As-A-Service | Revenue Collection
Ime london
We are a UK registered company with our head office located in London. Since 2007 we have been providing a wide range of services to our clients. We aim to expand to other relevant ones as per the market demand and as our expertise develops.
Customer satisfaction is our main priority. To conduct remittance operations, we are registered and regulated by HMRC and FCA UK. We have been provided a license for money transfer from the UK. We are guided by our own written compliance policy which is based on the “EU payment service regulations” published in 2017.
In some cases, we may use a shared network that involves third party companies, and, in those cases, we have to abide by their compliance requirement as well. Our aim is to provide a fast, reliable and secure way of payment.
We are a UK registered company with our head office located in London. Since 2007 we have been providing a wide range of services to our clients. We aim to expand to other relevant ones as per the market demand and as our expertise develops.
Customer satisfaction is our main priority. To conduct remittance operations, we are registered and regulated by HMRC and FCA UK. We have been provided a license for money transfer from the UK. We are guided by our own written compliance policy which is based on the “EU payment service regulations” published in 2017.
In some cases, we may use a shared network that involves third party companies, and, in those cases, we have to abide by their compliance requirement as well. Our aim is to provide a fast, reliable and secure way of payment.
Treezor
Founded in 2016, Treezor is offering Banking as a Service #BaaS. Treezor offers white-labeled #payment services (card issuing, acquiring, SCT, SDD...) for FinTechs & businesses (neobanks, market places, crowdfunding, money pots, collaborative platforms...). Treezor is a regulated Electronic Money & Payment Institution approved by the French regulator (ACPR), enabling it to offer its solutions in 25 countries.
Treezor is a Mastercard® Principal Member and part of Societe Generale group.
Founded in 2016, Treezor is offering Banking as a Service #BaaS. Treezor offers white-labeled #payment services (card issuing, acquiring, SCT, SDD...) for FinTechs & businesses (neobanks, market places, crowdfunding, money pots, collaborative platforms...). Treezor is a regulated Electronic Money & Payment Institution approved by the French regulator (ACPR), enabling it to offer its solutions in 25 countries.
Treezor is a Mastercard® Principal Member and part of Societe Generale group.
Netevia
Simplifying payments across multiple channels through a single platform of integration.
Simplifying payments across multiple channels through a single platform of integration.
Wittix
Wittix is one of the leading providers of global money transfer services. With us, money transfers have become simple and quick.
Our mission is to help every customer and support the transparency of services and commissions. The trust of returning clients is the best metric for us. We support the open market and businesses. Wittix Customer Support Team is one of the fastest replying in the industry. It accompanies customers when opening their business IBAN, answering all the questions on documents.
Contact Wittix to:
✅ Get your Lithuanian IBAN to proceed with financial operations.
✅ Use a secure and reliable payment network.
✅ Make transactions easy for businesses.
✅ Send money within Wittix's internal accounts and withdraw to your local bank account.
✅ Benefit from virtual and plastic VISA cards.
Stay connected, run your company, and let us cover your money transfers.
Wittix is one of the leading providers of global money transfer services. With us, money transfers have become simple and quick.
Our mission is to help every customer and support the transparency of services and commissions. The trust of returning clients is the best metric for us. We support the open market and businesses. Wittix Customer Support Team is one of the fastest replying in the industry. It accompanies customers when opening their business IBAN, answering all the questions on documents.
Contact Wittix to:
✅ Get your Lithuanian IBAN to proceed with financial operations.
✅ Use a secure and reliable payment network.
✅ Make transactions easy for businesses.
✅ Send money within Wittix's internal accounts and withdraw to your local bank account.
✅ Benefit from virtual and plastic VISA cards.
Stay connected, run your company, and let us cover your money transfers.
Forex Money Transfer Limited
Passionate about connecting the world through seamless financial transactions and empowering individuals and businesses to thrive across borders. With a deep understanding of money remittance dynamics and the transformative power of cross-currency transactions, I am dedicated to facilitating secure, efficient, and cost-effective solutions for global money transfer.
🚀 Money Remittance Specialist
Strategically optimizing cross-border payment processes, ensuring swift and compliant transactions for clients spanning diverse industries. Collaborating with a dynamic team to enhance user experiences and develop innovative solutions that adapt to evolving market trends.
Building strong relationships with international partners and financial institutions to expand our global reach and provide top-tier services.
Passionate about connecting the world through seamless financial transactions and empowering individuals and businesses to thrive across borders. With a deep understanding of money remittance dynamics and the transformative power of cross-currency transactions, I am dedicated to facilitating secure, efficient, and cost-effective solutions for global money transfer.
🚀 Money Remittance Specialist
Strategically optimizing cross-border payment processes, ensuring swift and compliant transactions for clients spanning diverse industries. Collaborating with a dynamic team to enhance user experiences and develop innovative solutions that adapt to evolving market trends.
Building strong relationships with international partners and financial institutions to expand our global reach and provide top-tier services.
Nagad
Nagad is poised to become an essential component of Bangladesh’s financial fabric. Aligned with the needs of the people and the development goals of the Bangladesh Government, Nagad envisions its role as a one-stop digital banking destination in partnership with the entire financial services industry.
At Nagad, we believe that strategic partnerships are the key to providing the people of Bangladesh with the most relevant and impactful digital financial services. We invite you to reimagine and leapfrog into the future of financial services alongside us.
Bangladesh is a thriving economic playground, pulsing with optimism and aspiration. A population of over 170 million people, nearly half of whom are under 25, has awakened to the vast possibilities of the future. They eagerly adopt new ideas from the outside while confidently forging their own path.
Nagad is poised to become an essential component of Bangladesh’s financial fabric. Aligned with the needs of the people and the development goals of the Bangladesh Government, Nagad envisions its role as a one-stop digital banking destination in partnership with the entire financial services industry.
At Nagad, we believe that strategic partnerships are the key to providing the people of Bangladesh with the most relevant and impactful digital financial services. We invite you to reimagine and leapfrog into the future of financial services alongside us.
Bangladesh is a thriving economic playground, pulsing with optimism and aspiration. A population of over 170 million people, nearly half of whom are under 25, has awakened to the vast possibilities of the future. They eagerly adopt new ideas from the outside while confidently forging their own path.
RocketGate
RocketGate is an innovative, technologically savvy e-commerce gateway. Online merchants use our fault-tolerant and reliable payment processing platform to sell products and services to their customers all over the world.
Merchants with subscription type products and services maximize profits by utilizing RocketGate’s easy to use, flexible, and highly configurable recurring billing options to actively grow their revenue stream. RocketGate’s merchants make well informed business decisions by utilizing reports with key performance indicators for sales, approval ratios, decline reasons cross-referenced by affiliates, countries, sites, products, prices, accounts and many more.
Our solid engineering team is comprised of individuals with experience developing mission critical applications, including the communications infrastructure for NASA's Deep Space Network. Yes, it is rocket science!
RocketGate is an innovative, technologically savvy e-commerce gateway. Online merchants use our fault-tolerant and reliable payment processing platform to sell products and services to their customers all over the world.
Merchants with subscription type products and services maximize profits by utilizing RocketGate’s easy to use, flexible, and highly configurable recurring billing options to actively grow their revenue stream. RocketGate’s merchants make well informed business decisions by utilizing reports with key performance indicators for sales, approval ratios, decline reasons cross-referenced by affiliates, countries, sites, products, prices, accounts and many more.
Our solid engineering team is comprised of individuals with experience developing mission critical applications, including the communications infrastructure for NASA's Deep Space Network. Yes, it is rocket science!
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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.
