Independent payment provider research
Compare the merchant account, funds flow, underwriting, pricing, reserve, settlement and integration that belong to the exact product you may sign for.
Start with the relationship
The acquirer underwrites the merchant, provides the acquiring route and settles card proceeds under the merchant agreement.
Compare merchant-account termsTechnology can route and protect transactions while another provider retains the merchant account and settlement relationship.
Compare gateway rolesThe contract, customer charge, tax, refund and payout model can shift when a platform or MoR becomes the seller of record.
Browse product portfoliosPay by bank, direct debit, stablecoin, wallet and payout products have their own account, return, network and settlement rules.
Browse specialist providersPayment requirements
9 company profiles
Browse acquiring, gateway, orchestration, Merchant of Record, pay-by-bank and crypto products from different payment companies. Open a company to compare its products separately.
Publishes a position on
Nuvei provides acquiring, processing, gateway, orchestration, merchant accounts, payouts, platform payments, issuing, banking and crypto services.
Product categories
Merchant accounts & acquiring · Gateways
PaymentCloud helps U.S. businesses apply for dedicated merchant accounts through its acquiring-bank relationships. It also arranges ACH and eCheck processing and connects the approved account to third-party gateways and payment terminals. The acquiring bank makes the final underwriting decision; the merchant agreement names the processor, funding bank, pricing, reserves and settlement terms.
Product categories
Merchant accounts & acquiring
NMI provides embedded payment infrastructure, including a white-label payment gateway for online, in-store, mobile and self-service payments. The gateway includes checkout, tokenization, routing, recurring billing and reporting; the merchant-account provider, underwriter, acquirer and settlement provider depend on the merchant setup.
Product categories
Gateways
Primer provides payment-orchestration software through Universal Checkout, the Payments API, a centralized payment-method vault, Workflows, 3-D Secure, fraud-provider integrations, payment reporting and reconciliation. Merchants connect payment and fraud providers under their own agreements. A connected processor, PSP or acquirer controls any required merchant-account approval, processing and settlement. A fraud provider supplies only the fraud service it is contracted for. Primer does not provide merchant accounts, process payments, hold merchant funds or settle payments.
Product categories
Payment orchestration
Paddle Billing is a merchant-of-record service for software and digital-product businesses. Paddle resells approved products to buyers, processes the payment, calculates and remits applicable sales taxes, handles buyer payment support, refunds and chargebacks, and pays the supplier from its Paddle balance. The supplier does not receive a conventional merchant account or MID from Paddle and remains responsible for the product, fulfilment, product support and the accuracy of business and product information.
Product categories
Merchant of Record
Trustly provides pay-by-bank acceptance, merchant-to-customer bank payouts, recurring bank payments and bank-account data services. Trustly Group AB provides regulated payment services in the EU and EEA, Trustly UK Limited covers its authorized UK payment-institution business, and Trustly, Inc. provides Trustly Pay, Trustly Connect and Trustly Payouts in North America. Trustly does not provide card acquiring, a card MID or a card merchant account.
Product categories
Pay by bank · Platforms, wallets & payouts
BVNK provides managed stablecoin payment acceptance and payouts, fiat Virtual Accounts, Embedded Wallets and the self-managed Layer1 payment-orchestration product. The applicable BVNK entity, licence, supported assets, payment rails, custody model and settlement route depend on the product, jurisdiction and agreement.
Product categories
Payment orchestration · Crypto payments
Adyen combines a payment gateway, risk tooling, processing, acquiring and merchant settlement for online and in-person payments. Adyen for Platforms adds user onboarding, split payments, balances and payouts, while Adyen Issuing supports physical and virtual card programs. Product access depends on the customer model, country, regulated activity, underwriting and contract.
Product categories
Merchant accounts & acquiring · Gateways
Xsolla provides game-commerce products for developers and publishers. Pay Station is its payment checkout product; Xsolla Payments is the wider solution that groups Pay Station with supporting game-commerce tools. Pay Station has two materially different commercial configurations: Xsolla can sell approved game content to the player as Merchant of Record and aggregate the developer's payout, or the developer can connect its own payment-system agreements through Partner Gateways and retain the direct money flow, tax, refund, chargeback and payout-cost responsibilities.
Product categories
Gateways · Merchant of Record
Industry underwriting
MCC, licensing, recurring billing, fulfillment and customer disputes change the underwriting file.
FAQ
It is a broad market label for a company that offers payment products to businesses facing additional underwriting, monitoring, chargeback, regulatory or financial-risk review. The useful question is which product and legal entity will serve the merchant: an acquirer, merchant-account provider, processor, gateway, payment facilitator, orchestrator or Merchant of Record.
No. The directory shows the company's payment products and the markets or use cases identified for each one. Approval depends on the actual business, owners, websites, products, countries, currencies, transaction profile, processing history and the provider's current underwriting rules.
No. A gateway receives and transmits payment data. A merchant account or equivalent acquiring arrangement is the contractual route through which card transactions are accepted and settled. One company may sell both, but a gateway-only product does not create merchant-account approval.
They affect different parts of the economics. Fees are charges, a reserve withholds funds as security, and settlement timing determines when the remaining proceeds reach the merchant. A low quoted rate can still be commercially difficult if the reserve or funding delay is too large.
Yes. A company may acquire transactions for one product, provide gateway technology for another, connect third-party providers through orchestration, and offer payouts or issuing separately. The selected product determines which role and agreement apply.
