Atlas
Hokodo
At Hokodo, we are modernising the way businesses buy from each other by making it easier and safer to sell to business customers! Our “Trade credit as a service” technology empowers B2B merchants to offer credit terms to their business customers instantly, even on their first purchase. In turn, customers benefit from additional payment terms through a frictionless checkout experience. Over 30% of B2B trade takes place on credit terms, with trade credit representing the largest source of business financing in advanced economies. Yet current processes for offering trade credit are outdated and not fit for the digital age. Hokodo’s digital platform solves these issues by offering merchants a powerful set of solutions to manage trade credit and scale with confidence. Merchants that integrate with Hokodo see on average a 40% increase in revenues. Gone are the days of paper-based trading account applications, manual credit decisions and cumbersome sales journeys.
At Hokodo, we are modernising the way businesses buy from each other by making it easier and safer to sell to business customers! Our “Trade credit as a service” technology empowers B2B merchants to offer credit terms to their business customers instantly, even on their first purchase. In turn, customers benefit from additional payment terms through a frictionless checkout experience. Over 30% of B2B trade takes place on credit terms, with trade credit representing the largest source of business financing in advanced economies. Yet current processes for offering trade credit are outdated and not fit for the digital age. Hokodo’s digital platform solves these issues by offering merchants a powerful set of solutions to manage trade credit and scale with confidence. Merchants that integrate with Hokodo see on average a 40% increase in revenues. Gone are the days of paper-based trading account applications, manual credit decisions and cumbersome sales journeys.
Banko republico uruguya
The largest bank at Uruguay, its an Universal Bank.
The largest bank at Uruguay, its an Universal Bank.
Vitessepsp
Vitesse is an integrated treasury and payment service provider crafted for the insurance sector. Its award-winning global payment network ensures fast and full-value payouts to claimants and has facilitated more than $10 billion across 200+ countries and currencies. With services that optimise claim funds and expedite claim payments, Vitesse has brought back hundreds of millions of claim funds to insurers' balance sheets and helped MGAs and TPAs streamline their claim funds management and disbursements to claimants.
Vitesse employs over 175+ people across its London headquarters, Europe, and the US. In May 2024, the company secured $93 million in Series C funding to accelerate its US expansion and product development.
Vitesse is an integrated treasury and payment service provider crafted for the insurance sector. Its award-winning global payment network ensures fast and full-value payouts to claimants and has facilitated more than $10 billion across 200+ countries and currencies. With services that optimise claim funds and expedite claim payments, Vitesse has brought back hundreds of millions of claim funds to insurers' balance sheets and helped MGAs and TPAs streamline their claim funds management and disbursements to claimants.
Vitesse employs over 175+ people across its London headquarters, Europe, and the US. In May 2024, the company secured $93 million in Series C funding to accelerate its US expansion and product development.
Smile and Pay
Smile&Pay's mission is to support professionals, merchants, and associations in launching and developing their activities. Established in Paris in October 2015, it is the French solution for card payment processing, accessible to everyone. All our payment terminals comply with the strictest French security standards (PCI-PTS standards, GIE-CB approved TPE). Transactions are secure, and professionals are protected.
In its 4 years of existence, Smile&Pay has processed over 200 million euros in transactions, with 100 million euros in the year 2019 alone. This impressive growth is a testament to our expertise in the field.
SMILE&PAY offers a practical, secure, and commitment-free solution that brings a smile to professionals and merchants.
Smile&Pay's mission is to support professionals, merchants, and associations in launching and developing their activities. Established in Paris in October 2015, it is the French solution for card payment processing, accessible to everyone. All our payment terminals comply with the strictest French security standards (PCI-PTS standards, GIE-CB approved TPE). Transactions are secure, and professionals are protected.
In its 4 years of existence, Smile&Pay has processed over 200 million euros in transactions, with 100 million euros in the year 2019 alone. This impressive growth is a testament to our expertise in the field.
SMILE&PAY offers a practical, secure, and commitment-free solution that brings a smile to professionals and merchants.
Qliro
We are Qliro
Our company was founded in 2014 and the team was given one task, bring a new payment solution in to the market, in only 6 months.
Today we have grown to a team of over 200 people from over 30 different countries delivering safe and simple payments for e-commerce growth.
Qliro has a track record of delivering new products and services at unmatched speed. We have launched a range of commercially successful products, including an e-commerce checkout, a pay-after-delivery product, D2C saving and loans products, apps, self-service website and merchant-facing interfaces. We are active in an exciting intersection of the e-commerce, payment and financial services markets. We target both leading online merchants and millions of consumers seeking superior digital payments and consumer finance products.
We are Qliro
Our company was founded in 2014 and the team was given one task, bring a new payment solution in to the market, in only 6 months.
Today we have grown to a team of over 200 people from over 30 different countries delivering safe and simple payments for e-commerce growth.
Qliro has a track record of delivering new products and services at unmatched speed. We have launched a range of commercially successful products, including an e-commerce checkout, a pay-after-delivery product, D2C saving and loans products, apps, self-service website and merchant-facing interfaces. We are active in an exciting intersection of the e-commerce, payment and financial services markets. We target both leading online merchants and millions of consumers seeking superior digital payments and consumer finance products.
X-Pay
XPay is a fast-growing Fintech startup dedicated to enhancing online payments in Egypt. Our seamless payment solutions and human-centric brand experience empower users to make secure and convenient transactions effortlessly.
In less than 24 hours, you’ll be able to manage all types of payments for your business. XPay will avail different payment options for your customers and you will be able to monitor all your your transactions from a single dashboard.
Join us and experience the XPay difference!
XPay is a fast-growing Fintech startup dedicated to enhancing online payments in Egypt. Our seamless payment solutions and human-centric brand experience empower users to make secure and convenient transactions effortlessly.
In less than 24 hours, you’ll be able to manage all types of payments for your business. XPay will avail different payment options for your customers and you will be able to monitor all your your transactions from a single dashboard.
Join us and experience the XPay difference!
Spenda Limited
Spenda is an integrated business platform that enables businesses across the supply chain to sell better and get paid faster.
We serve as both a software solutions provider and a payment processor and deliver the essential infrastructure to streamline business processes before, during and after the payment event.
With over 20 years’ experience in building solutions that improve transactional efficiency between businesses, Spenda is applicable to any business that needs to make or receive a payment. Our software enables the smooth flow of funds throughout a supply chain or network of buyers and sellers, from producer to end-consumer.
Spenda is an integrated business platform that enables businesses across the supply chain to sell better and get paid faster.
We serve as both a software solutions provider and a payment processor and deliver the essential infrastructure to streamline business processes before, during and after the payment event.
With over 20 years’ experience in building solutions that improve transactional efficiency between businesses, Spenda is applicable to any business that needs to make or receive a payment. Our software enables the smooth flow of funds throughout a supply chain or network of buyers and sellers, from producer to end-consumer.
Rapid financial
Rapid Financial Solutions is the leading provider of frictionless fintech, payment and engagement solutions for corporations, state and county governments, municipalities, schools, and sports associations. Our technology platform empowers organizations to step into today’s technology and go beyond pay disbursements, giving consumers greater choice and connection to the services they want and need.
With our smart, connected commerce solutions, organizations can increase operational efficiency. By moving away from cash and paper checks, our more than 1,500 clients have slashed disbursement costs, eliminated unclaimed property and escheatment, reduced check fraud, and deepened customer satisfaction and engagement.
Rapid Financial Solutions is the leading provider of frictionless fintech, payment and engagement solutions for corporations, state and county governments, municipalities, schools, and sports associations. Our technology platform empowers organizations to step into today’s technology and go beyond pay disbursements, giving consumers greater choice and connection to the services they want and need.
With our smart, connected commerce solutions, organizations can increase operational efficiency. By moving away from cash and paper checks, our more than 1,500 clients have slashed disbursement costs, eliminated unclaimed property and escheatment, reduced check fraud, and deepened customer satisfaction and engagement.
Kiple
The initial formation of the given name kiple was inspired by the combination of these two words; “keep rippling”. We envision to help people leap forward financially with our digital innovations; like ripples that grow in size.
kiple is a brand owned by Kiplepay Sdn Bhd (formerly known as Webonline Dot Com) and was established in 2016. We are one of the pioneering players in the Fintech market that focus on driving digital innovations in enterprises, e-commerce, education and the property sector.
Our digital innovation in payments is driven by the emerging need to accelerate Malaysia’s businesses in their transformation journey to e-payments for greater economic efficiency.
The initial formation of the given name kiple was inspired by the combination of these two words; “keep rippling”. We envision to help people leap forward financially with our digital innovations; like ripples that grow in size.
kiple is a brand owned by Kiplepay Sdn Bhd (formerly known as Webonline Dot Com) and was established in 2016. We are one of the pioneering players in the Fintech market that focus on driving digital innovations in enterprises, e-commerce, education and the property sector.
Our digital innovation in payments is driven by the emerging need to accelerate Malaysia’s businesses in their transformation journey to e-payments for greater economic efficiency.
WEX
WEX is a global commerce platform specializing in fuel and fleet management, employee benefits, and business payments. It helps streamline the procure-to-pay process, aiming to deliver measurable returns for businesses and their clients. By offering seamless, scalable integrations, WEX simplifies operations and supports business goals. The platform also provides flexible rebate sharing options to enhance payment capabilities and improve overall efficiency.
WEX: reviews
WEX is highly regarded for its efficient integration capabilities and user-friendly interface, which simplify complex payment processes. Users also appreciate the platform's flexibility and robust support, which help streamline operations and drive business growth.
WEX: competitors
Gusto, Dayforce, Isolved, and Paychex are recognized as leading alternatives to WEX.
WEX is a global commerce platform specializing in fuel and fleet management, employee benefits, and business payments. It helps streamline the procure-to-pay process, aiming to deliver measurable returns for businesses and their clients. By offering seamless, scalable integrations, WEX simplifies operations and supports business goals. The platform also provides flexible rebate sharing options to enhance payment capabilities and improve overall efficiency.
WEX: reviews
WEX is highly regarded for its efficient integration capabilities and user-friendly interface, which simplify complex payment processes. Users also appreciate the platform's flexibility and robust support, which help streamline operations and drive business growth.
WEX: competitors
Gusto, Dayforce, Isolved, and Paychex are recognized as leading alternatives to WEX.
Inara
With Inara you save money by using our experience, market knowledge and focus to get you the most competitive exchange rates around. We offer one to one advice to understand your requirements, which helps us suggest the best solutions because we know money transfers can be complicated BUT our team are always on hand to guide you every step of the way.
With Inara you save money by using our experience, market knowledge and focus to get you the most competitive exchange rates around. We offer one to one advice to understand your requirements, which helps us suggest the best solutions because we know money transfers can be complicated BUT our team are always on hand to guide you every step of the way.
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.
Paystream
PayStream is a market leading business providing a range of payroll, umbrella, tax, software and accountancy services for recruitment agencies, contractors and other businesses.
Managed by a team of experienced accountancy professionals, PayStream is supported by over 300 employees all with a passion for providing the very best service in the sector.
All of our operations and people are based in two offices in the UK (Greater Manchester and London) and we place great emphasis on compliance, integrity, investing in people and service development.
With a portfolio of services, our approach is to work in partnership with our clients and to deliver be-spoke solutions for them because we know that one size doesn’t fit all. The ability to deliver a service that meets the needs of our clients, contractors and consultants is what sets us apart in our industry.
PayStream is a market leading business providing a range of payroll, umbrella, tax, software and accountancy services for recruitment agencies, contractors and other businesses.
Managed by a team of experienced accountancy professionals, PayStream is supported by over 300 employees all with a passion for providing the very best service in the sector.
All of our operations and people are based in two offices in the UK (Greater Manchester and London) and we place great emphasis on compliance, integrity, investing in people and service development.
With a portfolio of services, our approach is to work in partnership with our clients and to deliver be-spoke solutions for them because we know that one size doesn’t fit all. The ability to deliver a service that meets the needs of our clients, contractors and consultants is what sets us apart in our industry.
Redapplefinance
Red Apple Finance Ltd is part of the Red Apple Group which has been trading successfully in the broker market for almost 25 years. In 2016 we decided to build our own premium finance platform.
For us, our business is built on reputation and customer service and therefore making sure the customer journey was as seamless as possible was crucial when it came to our financing the premiums for those customers who wanted this flexibility.
Why use us?
We are privately owned and have built, developed and maintain all of our own systems and intellectual property in-house. This makes us extremely agile and responsive to our customers needs always looking for quicker, smarter and better ways to help them. We feel that we provide a voice to small and medium sized businesses that may not be able to get competitive access to a premium funding facility and our hands-on approach means that we can work with you for the best outcome for your customers.
Red Apple Finance Ltd is part of the Red Apple Group which has been trading successfully in the broker market for almost 25 years. In 2016 we decided to build our own premium finance platform.
For us, our business is built on reputation and customer service and therefore making sure the customer journey was as seamless as possible was crucial when it came to our financing the premiums for those customers who wanted this flexibility.
Why use us?
We are privately owned and have built, developed and maintain all of our own systems and intellectual property in-house. This makes us extremely agile and responsive to our customers needs always looking for quicker, smarter and better ways to help them. We feel that we provide a voice to small and medium sized businesses that may not be able to get competitive access to a premium funding facility and our hands-on approach means that we can work with you for the best outcome for your customers.
Shifttransfer
At Shift Financial Services, we are transforming cross-border payments with speed, security, and accessibility. Established in 2009 in the United Kingdom, we provide safe and efficient money transfers to over 90 countries, ensuring that individuals, businesses, and underserved communities can move money effortlessly.
Our mission is simple: to make global payments seamless and inclusive. We leverage cutting-edge technology, real-time processing, and a global partner network to offer faster, more affordable transactions compared to traditional financial institutions. Security is at the core of our operations.
With advanced encryption, AI-driven fraud detection, and strict regulatory compliance, we ensure every transaction is protected and reliable.
At Shift, we go beyond remittances—we empower financial inclusion by bridging the gap between digital innovation and real-world financial needs.
At Shift Financial Services, we are transforming cross-border payments with speed, security, and accessibility. Established in 2009 in the United Kingdom, we provide safe and efficient money transfers to over 90 countries, ensuring that individuals, businesses, and underserved communities can move money effortlessly.
Our mission is simple: to make global payments seamless and inclusive. We leverage cutting-edge technology, real-time processing, and a global partner network to offer faster, more affordable transactions compared to traditional financial institutions. Security is at the core of our operations.
With advanced encryption, AI-driven fraud detection, and strict regulatory compliance, we ensure every transaction is protected and reliable.
At Shift, we go beyond remittances—we empower financial inclusion by bridging the gap between digital innovation and real-world financial needs.
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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.
