Atlas
Gemba
Gemba is an award-winning neobank and a prominent financial infrastructure provider with a full-stack business management app, specializing in tailored business solutions.
Our high-tech online banking services offer a robust financial toolkit to streamline your business operations. Gemba provides efficient, professional financial services tailored to your business needs at any stage of growth, whether you're just starting or already a thriving enterprise.
With our white-label solution, we empower you to transform your corporate, wealth, or business management advisory, family office, financial or legal institution, and trusts & foundations advisory into your own corporate banking platform. Your clients will be able to open current accounts directly on your website, generating revenue for your business.
Gemba has been recognized and engaged in growth programs by EY FinTech, Barclays Eagle Labs, Grow Global London and TechNation.
Gemba is an award-winning neobank and a prominent financial infrastructure provider with a full-stack business management app, specializing in tailored business solutions.
Our high-tech online banking services offer a robust financial toolkit to streamline your business operations. Gemba provides efficient, professional financial services tailored to your business needs at any stage of growth, whether you're just starting or already a thriving enterprise.
With our white-label solution, we empower you to transform your corporate, wealth, or business management advisory, family office, financial or legal institution, and trusts & foundations advisory into your own corporate banking platform. Your clients will be able to open current accounts directly on your website, generating revenue for your business.
Gemba has been recognized and engaged in growth programs by EY FinTech, Barclays Eagle Labs, Grow Global London and TechNation.
Melements
mElements mission statement is to provide delightful digital shopping experience for customer and merchant.
We help e-Commerce segment sellers to measurably improve customer experience, funnel conversion and business partner loyalty through the use of API Banking solutions.
Innovative solutions created by the team mElements focus on building API Banking products from the areas of PSD2 API, API Premium, API eID or payment API. The first solution introduced to the market is the Credit API
mElements mission statement is to provide delightful digital shopping experience for customer and merchant.
We help e-Commerce segment sellers to measurably improve customer experience, funnel conversion and business partner loyalty through the use of API Banking solutions.
Innovative solutions created by the team mElements focus on building API Banking products from the areas of PSD2 API, API Premium, API eID or payment API. The first solution introduced to the market is the Credit API
Ab-money
A&B Plus can support the worldwide payment infrastructure on your own designed. The instant frontend and backend plateform is ready to use without fuzzy and wasting time on API intergration :)
We provided the banking on end users and the full whitelabelling for both individual and Corporate program which allow to support the financial industry includeing Money Transfer, Insurance, Lending etc. We do FX/Payment worldwide and Payment Gateway.
A&B Money has operated in London, UK since 2009. We are Regulated and Authorised by the Financial Conduct Authority, as an Electronic Money Institution, registration number 716949. Our Banking system and Security is firm global bank standard under PSD2 and ISO 27001.
A&B Plus can support the worldwide payment infrastructure on your own designed. The instant frontend and backend plateform is ready to use without fuzzy and wasting time on API intergration :)
We provided the banking on end users and the full whitelabelling for both individual and Corporate program which allow to support the financial industry includeing Money Transfer, Insurance, Lending etc. We do FX/Payment worldwide and Payment Gateway.
A&B Money has operated in London, UK since 2009. We are Regulated and Authorised by the Financial Conduct Authority, as an Electronic Money Institution, registration number 716949. Our Banking system and Security is firm global bank standard under PSD2 and ISO 27001.
Icard
Card is a fintech company delivering innovative end-to-end payment solutions to more than 1.8 million clients in over 30 countries in Europe. We constantly reinvent the relationship between people, money, and technology with one main goal – to make everyday payments easier, more accessible, and more secure.
iCard is among the first fintech ventures in Europe. Founded in 2007 by a team of only 7 people, 16 years later, the e-money institution has more than 250 employees making the digital future of the financial world possible for millions. We welcome you to a new banking experience – more straightforward and more effective.
Our fintech portfolio spans not only the iCard digital wallet – our financial super-app is available for Android, iOS, Huawei, and desktop, but also offers dozens of products and services – iCard for Business, card issuing and transaction processing with iCard Direct, cash machines from iCard ATM, prepaid cards from GiftCard™, and many more.
Card is a fintech company delivering innovative end-to-end payment solutions to more than 1.8 million clients in over 30 countries in Europe. We constantly reinvent the relationship between people, money, and technology with one main goal – to make everyday payments easier, more accessible, and more secure.
iCard is among the first fintech ventures in Europe. Founded in 2007 by a team of only 7 people, 16 years later, the e-money institution has more than 250 employees making the digital future of the financial world possible for millions. We welcome you to a new banking experience – more straightforward and more effective.
Our fintech portfolio spans not only the iCard digital wallet – our financial super-app is available for Android, iOS, Huawei, and desktop, but also offers dozens of products and services – iCard for Business, card issuing and transaction processing with iCard Direct, cash machines from iCard ATM, prepaid cards from GiftCard™, and many more.
Zong
Zong Customers can now easily pay their Zong postpaid bills or top-up their prepaid mobile accounts instantly, by just walking into an ATM nearest to them or by logging on to Zong website. With a network consisting of all leading commercial banks, Zong customers can now have round the clock access to Zong Load and Recharge services nationwide either by using their bank’s ATM card on its designated Bank’s ATM machine or through any of the various modes of payment offered by the member banks.
Zong customers can have easy access to Zong Prepaid Recharge and Postpaid billing facility using any of the following payment modes, Nationwide.
ATM
Bank IVR
Bank Call Center
Internet/Online Banking
Branchless Banking
Zong Customers can now easily pay their Zong postpaid bills or top-up their prepaid mobile accounts instantly, by just walking into an ATM nearest to them or by logging on to Zong website. With a network consisting of all leading commercial banks, Zong customers can now have round the clock access to Zong Load and Recharge services nationwide either by using their bank’s ATM card on its designated Bank’s ATM machine or through any of the various modes of payment offered by the member banks.
Zong customers can have easy access to Zong Prepaid Recharge and Postpaid billing facility using any of the following payment modes, Nationwide.
ATM
Bank IVR
Bank Call Center
Internet/Online Banking
Branchless Banking
Papaya
Papaya was founded in January 2012 and is a fully set up Electronic Money Institution (EMI), headquartered in Malta. Papaya is regulated by the Malta Financial Services Authority (MFSA), the single regulator for financial services in Malta – a growing international financial hub.
Papaya is a young and vibrant player in the electronic money domain, with a hard-line philosophy of giving all clients the highest levels of service possible, through our on-going commitment to excellence and integrity. We strive to bring customers innovation and added value through our products, and aim to provide only the best operating and security conditions available.
Papaya was founded in January 2012 and is a fully set up Electronic Money Institution (EMI), headquartered in Malta. Papaya is regulated by the Malta Financial Services Authority (MFSA), the single regulator for financial services in Malta – a growing international financial hub.
Papaya is a young and vibrant player in the electronic money domain, with a hard-line philosophy of giving all clients the highest levels of service possible, through our on-going commitment to excellence and integrity. We strive to bring customers innovation and added value through our products, and aim to provide only the best operating and security conditions available.
VIVEUM
With VIVEUM, your shop supports over 300 payment methods
With more than 300 different payment methods, including credit cards, PayPal, online banking, and e-wallets, we are one of the top payment providers in e-commerce. Offer international payment methods in your shop to provide a solution your foreign customers are familiar with. This will increase your conversion rate.
With VIVEUM, your shop supports over 300 payment methods
With more than 300 different payment methods, including credit cards, PayPal, online banking, and e-wallets, we are one of the top payment providers in e-commerce. Offer international payment methods in your shop to provide a solution your foreign customers are familiar with. This will increase your conversion rate.
Justipay
Justipay designed as an all-in-one payment solution that will cover all needs and specifications for your business. Acquisition of a strong partnership in your business starts here!
Justipay designed as an all-in-one payment solution that will cover all needs and specifications for your business. Acquisition of a strong partnership in your business starts here!
Bankingly
Bankingly is a platform that allows all financial institutions to have their own online and mobile Banking. Through these channels, your customers will be able to operate and interact with your institution in different ways: making internal, national, and international transfers, checking balances and movements of accounts, paying local services, managing their credit cards, requesting loans, and other custom products and services. More than 100 institutions throughout Latin America and Africa trust their digital channels to us.
Bankingly is a platform that allows all financial institutions to have their own online and mobile Banking. Through these channels, your customers will be able to operate and interact with your institution in different ways: making internal, national, and international transfers, checking balances and movements of accounts, paying local services, managing their credit cards, requesting loans, and other custom products and services. More than 100 institutions throughout Latin America and Africa trust their digital channels to us.
Polskie ePlatnosci
Polskie ePłatności (Polish ePayments – PeP) is a leading Polish merchant acquirer in Poland offering a full range of in-store, online payment solutions and value-added services. with an installed base of more than 250 000 point-of-sales terminals, offering a broad set of payment solutions for SME merchants. Founded in 2010 Over the last 10 years, PeP exhibited impressive growth as a result of both organic growth and sizeable acquisitions with the terminal base more than tripling since mid-2016.
PeP is the fastest growing payment technology company in one of the fastest growing digital payment economies in Europe. The team of PeP is know for their high-quality in-house operation and business performance. Polskie ePłatności is the second largest payment terminal operator in Poland in terms of the number of devices.
Over the past five years, PeP has carried out a process of consolidation of the Polish payments market.
Polskie ePłatności (Polish ePayments – PeP) is a leading Polish merchant acquirer in Poland offering a full range of in-store, online payment solutions and value-added services. with an installed base of more than 250 000 point-of-sales terminals, offering a broad set of payment solutions for SME merchants. Founded in 2010 Over the last 10 years, PeP exhibited impressive growth as a result of both organic growth and sizeable acquisitions with the terminal base more than tripling since mid-2016.
PeP is the fastest growing payment technology company in one of the fastest growing digital payment economies in Europe. The team of PeP is know for their high-quality in-house operation and business performance. Polskie ePłatności is the second largest payment terminal operator in Poland in terms of the number of devices.
Over the past five years, PeP has carried out a process of consolidation of the Polish payments market.
Curve
Curve is a smart payment solution that consolidates multiple payment cards into one, managed through its mobile app. This allows users to make payments and withdrawals from a single card while keeping all their accounts organized. A standout feature is the ability to switch the bank card used even after a transaction is completed, offering flexibility and control. For businesses, Curve simplifies expense management, provides real-time spending insights, and supports seamless financial organization with a single, versatile card.
Curve: reviews
Curve is praised for its convenience in consolidating multiple payment cards into one, making managing finances simpler and more organized.
Curve: competitors
Among the alternatives of Curve, FINOM and Mercury can be noted.
Curve is a smart payment solution that consolidates multiple payment cards into one, managed through its mobile app. This allows users to make payments and withdrawals from a single card while keeping all their accounts organized. A standout feature is the ability to switch the bank card used even after a transaction is completed, offering flexibility and control. For businesses, Curve simplifies expense management, provides real-time spending insights, and supports seamless financial organization with a single, versatile card.
Curve: reviews
Curve is praised for its convenience in consolidating multiple payment cards into one, making managing finances simpler and more organized.
Curve: competitors
Among the alternatives of Curve, FINOM and Mercury can be noted.
Monzo Bank
Monzo for all your money
Get clear on your spending. Unlock smarter ways to save. Invest with confidence.
Monzo for all your money
Get clear on your spending. Unlock smarter ways to save. Invest with confidence.
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.
Starling Bank
We built Britain’s first digital bank.
One hard-won banking licence later, we set about giving people a new way to spend, save and manage their money (and take better care of the planet, too).
We’re changing banking for good.
Back then, we were obsessed with unravelling the knotty world of finance and solving people’s problems rather than selling them stuff. We still are.
We built Britain’s first digital bank.
One hard-won banking licence later, we set about giving people a new way to spend, save and manage their money (and take better care of the planet, too).
We’re changing banking for good.
Back then, we were obsessed with unravelling the knotty world of finance and solving people’s problems rather than selling them stuff. We still are.
Aryze
At Aryze, we’re reimagining digital finance for institutional clients. We provide regulated, fully audited stablecoin solutions that empower financial institutions to optimize liquidity, enhance treasury management, and streamline FX and cross-border payments. Our services simplify complex financial operations while ensuring rigorous compliance, transparency, and operational efficiency.
Partner with us to transform your financial processes, reduce friction, and unlock tangible value across your balance sheet.
At Aryze, we’re reimagining digital finance for institutional clients. We provide regulated, fully audited stablecoin solutions that empower financial institutions to optimize liquidity, enhance treasury management, and streamline FX and cross-border payments. Our services simplify complex financial operations while ensuring rigorous compliance, transparency, and operational efficiency.
Partner with us to transform your financial processes, reduce friction, and unlock tangible value across your balance sheet.
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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.
