Card acceptance
High-Risk Credit Card Processing
High-risk credit card processing gives an approved merchant access to card acquiring under conditions set by the acquirer, card networks, and merchant agreement. For online and recurring businesses, the important details are the approved MCC and sales model, card-not-present controls, dispute exposure, funding terms, and who can change or terminate the account.
Last reviewed
36 company profiles
Reviewed high-risk credit-card processing products
These products document card acceptance for at least one reviewed industry and include processing, acquiring, merchant-account, Merchant of Record, PayFac or platform payment services. Bank-only, wallet-only and software-only products are left out. Confirm the exact product and industry combination; card acceptance still depends on the business, country, MCC and underwriting decision.
Publishes a position on
Adyen
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.
Matched card-processing products
Adyen Payments
- Adyen Payments
Why this option is listed
The recorded role for Adyen Payments is Acquirer. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Check approval
Merchant underwriter not specified
- Role in this product
- Acquirer
- Account / MID
- Included: Adyen
- Approval
- Merchant underwriter not specified
- Funds / settlement
- Custom acquirer to merchant settlement
- Adyen Payments
Adyen for Platforms
- Adyen for Platforms
Why this option is listed
The recorded role for Adyen for Platforms is Platform payments. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Platform payments
- Account / MID
- Legal entity · Account holder · Balance account
- Approval
- Adyen for Platforms includes platform onboarding and seller verification
- Funds / settlement
- Custom platform to seller settlement
- Adyen for Platforms
Product categories
Merchant accounts & acquiring · Gateways
Airwallex
Airwallex provides online payment acceptance and acquiring, a multi-currency Wallet and Global Accounts with foreign exchange, cross-border payouts, Visa card issuing, and connected-account infrastructure for platforms. Each product requires its own approval and may use a different Airwallex contracting entity, regulated permission, partner rail, funds flow and pricing schedule.
Matched card-processing products
Airwallex Online Payments
- Airwallex Online Payments
Why this option is listed
The recorded role for Airwallex Online Payments is Payment service provider. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Payment service provider
- Account / MID
- Separate account from Airwallex contracting entity or approved acquiring partner, depending on the country, payment method and agreement
- Approval
- Airwallex performs merchant underwriting
- Funds / settlement
- Custom acquirer to merchant settlement
- Airwallex Online Payments
Airwallex Connected Accounts and Embedded Finance
- Airwallex Connected Accounts and Embedded Finance
Why this option is listed
The recorded role for Airwallex Connected Accounts and Embedded Finance is Platform payments. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Platform payments
- Account / MID
- Ledger account · Withdrawal account · Full account
- Approval
- Airwallex Connected Accounts and Embedded Finance includes platform onboarding and seller verification
- Funds / settlement
- Airwallex handles merchant funds at one or more stages
- Airwallex Connected Accounts and Embedded Finance
Product categories
Merchant accounts & acquiring · Gateways
BlueSnap
BlueSnap, Powered by Payroc, provides payment-facilitator processing through partner acquirers, a bank-agnostic gateway and Payment API, embedded payments for software platforms, and a transaction-specific merchant-of-record route under its current merchant agreement. BlueSnap is not a universal direct acquirer; the contracting BlueSnap entity, acquirer or sponsor bank, merchant account, underwriting, reserve, funds flow and settlement route depend on the merchant location, product and agreement.
Matched card-processing products
Global payment processing through BlueSnap PayFac routes
- BlueSnap PayFac with partner-acquirer processing
Why this option is listed
The recorded role for BlueSnap PayFac with partner-acquirer processing is Payment facilitator and merchant services provider. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Payment facilitator and merchant services provider
- Account / MID
- Included: BlueSnap
- Approval
- BlueSnap performs submerchant underwriting
- Funds / settlement
- BlueSnap merchant payout after acquirer funding or Acquirer-direct merchant settlement when required
- BlueSnap PayFac with partner-acquirer processing
BlueSnap Embedded Payments
- Embedded Payments for software platforms
Why this option is listed
The recorded role for Embedded Payments for software platforms is Embedded payment processing merchant verification and payout provider. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Embedded payment processing merchant verification and payout provider
- Account / MID
- The approved software platform embeds the workflow; each platform merchant applies for processing and payout access
- Approval
- BlueSnap approves the software platform and separately verifies each merchant for processing and payouts
- Funds / settlement
- The acquirer or sponsor bank for the applicable merchant and transaction supplies acquiring access; BlueSnap processes each approved merchant's payments, applies configured splits and manages merchant payouts
- Embedded Payments for software platforms
Contract-dependent merchant-of-record route
- Transaction-specific BlueSnap merchant-of-record route
Why this option is listed
The recorded role for Transaction-specific BlueSnap merchant-of-record route is Transaction-specific Merchant of Record and reseller. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Transaction-specific Merchant of Record and reseller
- Account / MID
- BlueSnap is Merchant of Record only for transactions covered by the applicable agreement
- Approval
- BlueSnap reviews the seller, products and each route proposed for contract-dependent Merchant of Record treatment
- Funds / settlement
- BlueSnap receives the covered customer payment and pays the seller only where the Merchant of Record route applies
- Transaction-specific BlueSnap merchant-of-record route
Product categories
Merchant accounts & acquiring · Gateways
CCBill
CCBill offers payment-facilitator and dedicated merchant-account products with hosted checkout, recurring billing, fraud management and affiliate services for ecommerce, subscription and approved high-risk businesses. The contracting, underwriting, processing and merchant settlement entities depend on the selected product and agreement.
Matched card-processing products
PSP/IPSP
- PSP/IPSP
Why this option is listed
The recorded role for PSP/IPSP is Payment facilitator. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Payment facilitator
- Account / MID
- Submerchant account under a master merchant account
- Approval
- CCBill performs submerchant underwriting
- Funds / settlement
- Weekly provider to merchant settlement
- PSP/IPSP
ISO Merchant Account
- ISO Merchant Account
Why this option is listed
The recorded role for ISO Merchant Account is ISO / MSP. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Check funds / settlement
Funds holder and settlement provider not specified
- Role in this product
- ISO / MSP
- Account / MID
- Dedicated merchant account
- Approval
- Merchant underwriter not specified
- Funds / settlement
- Funds holder and settlement provider not specified
- ISO Merchant Account
Advanced Solutions
- Advanced Solutions
Why this option is listed
The recorded role for Advanced Solutions is Payment processor. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Check funds / settlement
Merchant payout terms not specified
- Role in this product
- Payment processor
- Account / MID
- Merchant-account arrangement not specified
- Approval
- Approval process not specified
- Funds / settlement
- Merchant payout terms not specified
- Advanced Solutions
Product categories
Merchant accounts & acquiring · Gateways
Checkout.com
Checkout.com provides merchant acquiring and online payment processing, a separate payment-gateway route for merchants that keep another acquirer, platform payments for marketplaces and payment facilitators, card and bank payouts, and card issuing. The contracting entity, sponsor bank, merchant approval, settlement route and permitted business activity depend on the country, product and agreement.
Matched card-processing products
Checkout.com Online Payments
- Checkout.com Online Payments
Why this option is listed
The recorded role for Checkout.com Online Payments is Payment service provider. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Payment service provider
- Account / MID
- Included: Checkout.com contracting entity or sponsor bank, depending on the country and agreement
- Approval
- Merchant approval is shared by Checkout.com, the applicable sponsor bank and payment method, as required
- Funds / settlement
- Custom acquirer to merchant settlement
- Checkout.com Online Payments
Checkout.com Integrated Platforms
- Checkout.com Integrated Platforms
Why this option is listed
The recorded role for Checkout.com Integrated Platforms is Platform payments. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Platform payments
- Account / MID
- Lite sub entity · Full sub entity
- Approval
- Checkout.com Integrated Platforms includes platform onboarding and seller verification
- Funds / settlement
- Custom platform to seller settlement
- Checkout.com Integrated Platforms
Product categories
Merchant accounts & acquiring · Gateways
Coda
Coda provides digital-commerce payment products whose legal and funds roles depend on the contract. Codapay connects a publisher to local and global payment channels through one API and supports arrangements in which either the publisher or an applicable Coda entity is Merchant of Record. Codashop and Coda-operated web stores can use a Coda reseller sale in which the named Coda entity sells the digital product to the buyer. Coda Payments Pte. Ltd. separately holds a Singapore Major Payment Institution licence that includes merchant acquisition, but that permission does not make it the acquirer for every Coda product, market or transaction.
Matched card-processing products
Codapay
- Codapay payment processing, orchestration and collection
Why this option is listed
The recorded role for Codapay payment processing, orchestration and collection is Payment processing and orchestration provider. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Payment processing and orchestration provider
- Account / MID
- The Coda operating entity assigned to the publisher and market processes and collects buyer payments; The publisher or applicable Coda entity, according to the publisher agreement, product, market and transaction acts as Merchant of Record when the agreement assigns that role
- Approval
- The Coda operating entity assigned to the publisher and market reviews the publisher, content, integration and route; the selected payment channel, bank, card aggregator, wallet or mobile operator authorizes its payment instrument
- Funds / settlement
- The selected payment channel, bank, card aggregator, wallet or mobile operator authorizes the payment; the Coda operating entity assigned to the publisher and market processes and collects on behalf of the approved publisher; the Coda operating entity assigned to the publisher and market remits the publisher proceeds
- Codapay payment processing, orchestration and collection
Codashop and Coda-operated web stores
- Coda digital-product reseller and Merchant of Record
Why this option is listed
The recorded role for Coda digital-product reseller and Merchant of Record is Merchant of Record. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Check funds / settlement
Seller payout by Coda; schedule not specified
- Role in this product
- Merchant of Record
- Account / MID
- Coda acts as Merchant of Record
- Approval
- Seller and product approval terms not specified
- Funds / settlement
- Seller payout by Coda; schedule not specified
- Coda digital-product reseller and Merchant of Record
Product categories
Merchant accounts & acquiring · Merchant of Record
Digital Virgo
Digital Virgo connects merchants, digital-content publishers and telecom operators through the DV PASS carrier-billing platform. DV PASS manages merchant connections, subscriptions, transaction status, fraud controls and customer-care workflows, while the mobile operator controls subscriber eligibility, posts the charge to the prepaid balance or monthly bill and collects from the subscriber. UAB DV Payment, Digital Virgo's active Lithuanian electronic-money institution, separately contracts for regulated acquiring, holds transaction funds in segregated accounts and settles approved merchants. Its licence and funds role do not apply automatically to every DV PASS deployment or Digital Virgo group company.
Matched card-processing products
UAB DV Payment regulated acquiring
- UAB DV Payment regulated acquiring
Why this option is listed
The recorded role for UAB DV Payment regulated acquiring is Acquirer. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Acquirer
- Account / MID
- Merchant contracts with UAB DV Payment for the approved acquiring service
- Approval
- UAB DV Payment performs merchant KYC, AML and risk review; UAB DV Payment makes the regulated acquiring decision
- Funds / settlement
- UAB DV Payment acquires approved transactions; UAB DV Payment handles safeguarded funds and UAB DV Payment settles the merchant
- UAB DV Payment regulated acquiring
Product categories
Merchant accounts & acquiring · Gateways
dLocal
dLocal processes Payins, sends Payouts, supports marketplace and platform accounts, provides fraud-management tools, and collects cross-border invoices in emerging markets. Product availability, payment methods, contracting entity, currencies and local processing partners depend on the selected countries and commercial agreement.
Matched card-processing products
Payins
- Payins
Why this option is listed
The recorded role for Payins is Payment service provider. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Payment service provider
- Account / MID
- Business activation required
- Approval
- dLocal activates the business for this payment service
- Funds / settlement
- Cross-border Payins settlement or Local-to-local Payins settlement
- Payins
dLocal for Platforms
- dLocal for Platforms
Why this option is listed
The recorded role for dLocal for Platforms is Platform payments. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Platform payments
- Account / MID
- User account · Liable account
- Approval
- dLocal for Platforms includes platform onboarding and seller verification
- Funds / settlement
- dLocal handles merchant funds at one or more stages
- dLocal for Platforms
Product categories
Platforms, wallets & payouts
Durango Merchant Services
Durango Merchant Services is an ISO/MSP that prepares high-risk merchant-account applications and connects businesses with partner banks, processors, ODFIs, and payment platforms. Partner providers make the approval decision and, as applicable, issue the MID, process card, ACH, or eCheck transactions, and deposit settlement funds into the merchant's bank account. The approved merchant agreement names the participating providers and sets pricing, reserves, processing limits, eligible countries, and funding schedules.
Matched card-processing products
High-Risk Merchant Account
- High-Risk Merchant Account
Why this option is listed
The recorded role for High-Risk Merchant Account is ISO / MSP. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- ISO / MSP
- Account / MID
- Dedicated merchant account
- Approval
- Final approval by the merchant underwriter
- Funds / settlement
- Durango Merchant Services does not hold merchant funds or provide merchant settlement
- High-Risk Merchant Account
Product categories
Merchant accounts & acquiring
EBANX
EBANX provides Pay-in processing, local payment methods, recurring payments, fraud and checkout tools, cross-border or local settlement, and Payouts across emerging markets in Latin America, Africa and Asia. The EBANX brand covers multiple group companies and local partners; the contracting entity, payment methods, settlement model and product availability depend on the merchant agreement and country. The documented flows do not establish EBANX as the merchant of record or a universal direct acquirer: the merchant remains the seller, while local acquirers, banks and payment rails may perform regulated parts of the flow.
Matched card-processing products
EBANX Pay-in
- EBANX Pay-in
Why this option is listed
The recorded role for EBANX Pay-in is Payment service provider. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Payment service provider
- Account / MID
- Business activation required
- Approval
- EBANX performs merchant underwriting
- Funds / settlement
- Custom provider to merchant settlement
- EBANX Pay-in
Product categories
Gateways · Platforms, wallets & payouts
Ecommpay
Ecommpay combines direct card acquiring, a proprietary payment gateway, local and alternative payment methods, open-banking payments, orchestration, recurring billing and merchant-funded payouts. Ecommpay Limited is the disclosed UK contracting and regulated payment-services entity; the exact acquiring route, external payment-method provider, settlement terms and payout rail remain product- and agreement-specific.
Matched card-processing products
Ecommpay full-stack payments
2 contract options- Ecommpay direct card acquiring
Why this option is listed
The recorded role for Ecommpay direct card acquiring is Direct card acquirer and payment processor. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Direct card acquirer and payment processor
- Account / MID
- Included: Ecommpay
- Approval
- Ecommpay performs merchant underwriting
- Funds / settlement
- Custom acquirer to merchant settlement
- Ecommpay gateway and local payment methods
Why this option is listed
The recorded role for Ecommpay gateway and local payment methods is Payment service provider and gateway. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Payment service provider and gateway
- Account / MID
- The method-specific agreement identifies whether Ecommpay or a connected bank, wallet, BNPL provider or local payment institution performs the regulated payment-method and settlement functions
- Approval
- Ecommpay performs merchant underwriting
- Funds / settlement
- Custom provider to merchant settlement
- Ecommpay direct card acquiring
UK small-business card payments
- UK small-business card payments
Why this option is listed
The recorded role for UK small-business card payments is Regulated payment service provider and card processor. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Check account / mid
Merchant-account arrangement not specified
- Role in this product
- Regulated payment service provider and card processor
- Account / MID
- Merchant-account arrangement not specified
- Approval
- Ecommpay performs merchant underwriting
- Funds / settlement
- Daily provider to merchant settlement
- UK small-business card payments
Product categories
Merchant accounts & acquiring · Gateways
Elavon
Elavon is the merchant-payments product line of U.S. Bank. Its documented U.S. merchant-processing route is supplied by Elavon, Inc. with a designated Member that is initially U.S. Bank, N.A. or Elavon, Inc.; Elavon processes transactions and provisional merchant funding while the Member facilitates settlement through the banking rails. Converge is separately documented as a hosted gateway that can send transactions to Elavon or a third-party destination, so the gateway alone does not establish who supplies the merchant account, underwriting or settlement. In the UK, the regulated entity is U.S. Bank Europe DAC, formerly Elavon Financial Services DAC, operating through its registered UK branch and trading as Elavon Merchant Services.
Matched card-processing products
U.S. member merchant processing
- U.S. merchant processing with a designated Member
Why this option is listed
The recorded role for U.S. merchant processing with a designated Member is Payment processor. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Payment processor
- Account / MID
- Included: Elavon
- Approval
- Elavon performs merchant underwriting
- Funds / settlement
- Custom acquirer to merchant settlement
- U.S. merchant processing with a designated Member
U.S. online-application business solutions
- U.S. online-application business solutions
Why this option is listed
The recorded role for U.S. online-application business solutions is Payment processor and merchant servicer. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Payment processor and merchant servicer
- Account / MID
- Included: Elavon
- Approval
- Elavon performs merchant underwriting
- Funds / settlement
- Custom acquirer to merchant settlement
- U.S. online-application business solutions
UK regulated acquiring
- UK acquiring through U.S. Bank Europe DAC
Why this option is listed
The recorded role for UK acquiring through U.S. Bank Europe DAC is Acquirer. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Acquirer
- Account / MID
- Included: U.S. Bank Europe DAC
- Approval
- Elavon performs merchant underwriting
- Funds / settlement
- Custom acquirer to merchant settlement
- UK acquiring through U.S. Bank Europe DAC
Product categories
Merchant accounts & acquiring · Gateways
emerchantpay
emerchantpay provides card acquiring, payment gateway technology, payment processing, merchant accounts, risk and chargeback management, reporting and customer payouts. The commercial and funds-flow model depends on whether the merchant uses direct acquiring, gateway technology, the UK referral and collection service, or US ISO processing.
Matched card-processing products
Global card acquiring
- Global card acquiring
Why this option is listed
The recorded role for Global card acquiring is Acquirer. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Check funds / settlement
Settlement schedule not specified
- Role in this product
- Acquirer
- Account / MID
- Included: emerchantpay
- Approval
- emerchantpay performs merchant underwriting
- Funds / settlement
- Settlement schedule not specified
- Global card acquiring
UK PSP referral and optional collection
- UK PSP referral and optional collection
Why this option is listed
The recorded role for UK PSP referral and optional collection is Referral agent. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Check account / mid
Merchant-account arrangement not specified
- Role in this product
- Referral agent
- Account / MID
- Merchant-account arrangement not specified
- Approval
- Final approval by the selected PSP
- Funds / settlement
- Direct settlement by the selected PSP or Settlement through emerchantpay as collecting agent
- UK PSP referral and optional collection
US ISO merchant processing
- US ISO merchant processing
Why this option is listed
The recorded role for US ISO merchant processing is ISO / MSP. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Check funds / settlement
Settlement schedule not specified
- Role in this product
- ISO / MSP
- Account / MID
- Dedicated account from emerchantpay
- Approval
- emerchantpay performs merchant underwriting
- Funds / settlement
- Settlement schedule not specified
- US ISO merchant processing
Product categories
Merchant accounts & acquiring · Gateways
FastSpring
FastSpring is a merchant-of-record platform for approved digital products, software, subscriptions and video-game commerce. Under the covered Digital Retailer transaction FastSpring resells the vendor's product to the buyer, processes the payment, calculates and remits applicable transaction taxes, handles payment support, refunds and chargebacks, and later pays the vendor. FastSpring does not provide a conventional merchant account or direct-acquiring service.
Matched card-processing products
FastSpring Digital Retailer
- FastSpring Digital Retailer
Why this option is listed
The recorded role for FastSpring Digital Retailer is Merchant of Record. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Merchant of Record
- Account / MID
- FastSpring acts as Merchant of Record
- Approval
- FastSpring reviews seller and product eligibility
- Funds / settlement
- Custom seller payout by FastSpring
- FastSpring Digital Retailer
Product categories
Merchant of Record
Global Payments
Global Payments sells merchant payment processing and commerce technology through different legal and bank structures. In the documented U.S. sponsorship model, Global Payments Direct, Inc. is the processor and registered ISO while a member bank sponsors the card activity, retains control of network settlement funds until the merchant is funded and participates in merchant acceptance. In the UK, GPUK LLP is the FCA-authorised payment-services entity behind the Global Payments trading name. European materials describe both financial-institution processing capabilities and merchant card-acceptance contracts with Global Payments s.r.o.; the public sources reviewed do not establish one universal responsibility split for every s.r.o. relationship.
Matched card-processing products
U.S. sponsored merchant processing
- U.S. sponsored merchant processing
Why this option is listed
The recorded role for U.S. sponsored merchant processing is Payment processor. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Payment processor
- Account / MID
- Included: Global Payments
- Approval
- Merchant approval is shared by Global Payments Direct, Inc. and the member bank named in the merchant agreement
- Funds / settlement
- Custom acquirer to merchant settlement
- U.S. sponsored merchant processing
UK card acquiring and online payments
- UK regulated card acquiring
Why this option is listed
The recorded role for UK regulated card acquiring is Acquirer. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Acquirer
- Account / MID
- Included: GPUK LLP
- Approval
- Global Payments performs merchant underwriting
- Funds / settlement
- Custom acquirer to merchant settlement
- UK regulated card acquiring
Product categories
Merchant accounts & acquiring · Gateways
Lemon Squeezy
Lemon Squeezy is a Stripe-owned merchant-of-record and non-exclusive reseller for approved digital products. Sold through Link, LLC sells the covered product to the buyer, collects the payment and sales tax, handles payment and order support, refunds and chargebacks, and pays the supplier's net proceeds. The supplier remains responsible for product rights, accurate product information, fulfilment and product support. Lemon Squeezy does not issue the supplier a conventional merchant account or MID.
Matched card-processing products
Lemon Squeezy Merchant of Record
- Lemon Squeezy Merchant of Record
Why this option is listed
The recorded role for Lemon Squeezy Merchant of Record is Merchant of Record. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Merchant of Record
- Account / MID
- Lemon Squeezy acts as Merchant of Record
- Approval
- Lemon Squeezy reviews seller and product eligibility
- Funds / settlement
- Custom seller payout by Lemon Squeezy
- Lemon Squeezy Merchant of Record
Product categories
Merchant of Record
Mews Payments
Mews Payments embeds online, in-person and recurring guest payments into the Mews hospitality platform. Mews provides the merchant-facing agreement, payment workflow, tokenization, operations, reporting, reconciliation and dispute support. Its merchant terms state that the selected third-party payment services provider, such as Stripe or Adyen, provides payment processing and acquiring under a direct sub-merchant agreement; an acquiring member can also be involved. The sub-merchant account sits on the selected provider's platform, and that provider or member performs settlement. Mews does not provide direct acquiring or its own MID for this product.
Matched card-processing products
Mews Payments
- Mews-facilitated hospitality payments
Why this option is listed
The recorded role for Mews-facilitated hospitality payments is Payment facilitator. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Payment facilitator
- Account / MID
- Property contracts the selected payment services provider for its sub-merchant account
- Approval
- Mews Payments performs platform and KYC acceptance; the selected payment services provider and any applicable acquiring member approve payment processing
- Funds / settlement
- The selected payment services provider and/or acquiring member holds and settles available funds to the property
- Mews-facilitated hospitality payments
Product categories
Merchant accounts & acquiring
Mollie
Mollie provides regulated online and in-person payment services for businesses in the European Economic Area, Switzerland and the United Kingdom. Mollie B.V. is the Dutch-regulated entity for EEA services, while Mollie UK Ltd provides the UK-regulated service and UK settlement route; UK non-card EU methods can pass first through Mollie B.V. and Stichting Mollie Payments before Mollie UK safeguards and pays out the funds. Mollie processes and settles merchant payments but its general card route connects merchants to external method acquirers and financial institutions. Mollie states that it became an iDEAL acquirer, but that method-specific role does not make Mollie a universal card acquirer, traditional merchant-account provider or dedicated-MID provider.
Matched card-processing products
Online and in-person payments
2 contract options- EEA and Switzerland regulated payment services
Why this option is listed
The recorded role for EEA and Switzerland regulated payment services is Regulated payment service provider and processor. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Regulated payment service provider and processor
- Account / MID
- A Mollie organisation account records payment methods, Transactions and Balances. It is not a traditional dedicated card merchant account, and Mollie does not issue one universal card MID
- Approval
- Mollie performs merchant underwriting
- Funds / settlement
- Custom provider to merchant settlement
- UK regulated payment services with method-specific entity flow
Why this option is listed
The recorded role for UK regulated payment services with method-specific entity flow is Regulated payment service provider and processor. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Regulated payment service provider and processor
- Account / MID
- The UK organisation holds a Mollie Account and Balance under the UK user agreement. Card payments settle directly into Mollie UK safeguarded client-money accounts; specified EU non-card methods first reach Mollie B.V. safeguard accounts and are then transferred to Mollie UK. The UK user agreement does not identify a dedicated card MID supplied by Mollie
- Approval
- Mollie performs merchant underwriting
- Funds / settlement
- Custom provider to merchant settlement
- EEA and Switzerland regulated payment services
Mollie Connect for Platforms
- Mollie Connect for Platforms
Why this option is listed
The recorded role for Mollie Connect for Platforms is Regulated platform payment services provider. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Regulated platform payment services provider
- Account / MID
- Mollie organisation account · Mollie balance
- Approval
- Mollie Connect for Platforms includes platform onboarding and seller verification
- Funds / settlement
- Custom provider to merchant settlement
- Mollie Connect for Platforms
Mollie Connect for Marketplaces
- Mollie Connect for Marketplaces
Why this option is listed
The recorded role for Mollie Connect for Marketplaces is Regulated marketplace payment services provider. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Regulated marketplace payment services provider
- Account / MID
- Mollie organisation account · Mollie balance
- Approval
- Mollie Connect for Marketplaces includes platform onboarding and seller verification
- Funds / settlement
- Custom provider to merchant settlement
- Mollie Connect for Marketplaces
Product categories
Merchant accounts & acquiring · Gateways
Nuvei
Nuvei provides acquiring, processing, gateway, orchestration, merchant accounts, payouts, platform payments, issuing, banking and crypto services.
Matched card-processing products
Nuvei Acquiring
- Nuvei Acquiring
Why this option is listed
The recorded role for Nuvei Acquiring is Acquirer. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Acquirer
- Account / MID
- Included with this product
- Approval
- Nuvei performs merchant underwriting
- Funds / settlement
- Nuvei handles merchant funds at one or more stages
- Nuvei Acquiring
Merchant of Record
- Merchant of Record
Why this option is listed
The recorded role for Merchant of Record is Merchant of Record. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Check funds / settlement
Seller payout by Nuvei; schedule not specified
- Role in this product
- Merchant of Record
- Account / MID
- Nuvei acts as Merchant of Record
- Approval
- Seller and product approval terms not specified
- Funds / settlement
- Seller payout by Nuvei; schedule not specified
- Merchant of Record
Payment facilitator services
- Payment facilitator services
Why this option is listed
The recorded role for Payment facilitator services is Payment facilitator services. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Payment facilitator services
- Account / MID
- Included with this product
- Approval
- Payment facilitator services includes submerchant-onboarding tools
- Funds / settlement
- The PayFac receives settlement proceeds on behalf of its submerchants
- Payment facilitator services
Product categories
Merchant accounts & acquiring · Gateways
Paddle
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.
Matched card-processing products
Paddle Billing
- Paddle Billing
Why this option is listed
The recorded role for Paddle Billing is Merchant of Record. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Merchant of Record
- Account / MID
- Paddle acts as Merchant of Record
- Approval
- Paddle reviews seller and product eligibility
- Funds / settlement
- Monthly seller payout by Paddle
- Paddle Billing
Product categories
Merchant of Record
PaymentCloud
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.
Matched card-processing products
High-Risk Card Merchant Account
- High-Risk Card Merchant Account
Why this option is listed
The recorded role for High-Risk Card Merchant Account is Merchant account provider. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Check funds / settlement
Funds holder and settlement provider not specified
- Role in this product
- Merchant account provider
- Account / MID
- Dedicated account from PaymentCloud
- Approval
- PaymentCloud reviews applications; final approval by the acquiring bank named in the merchant agreement
- Funds / settlement
- Funds holder and settlement provider not specified
- High-Risk Card Merchant Account
Product categories
Merchant accounts & acquiring
PayPro Global
PayPro Global is a merchant-of-record and independent reseller for approved software, SaaS, digital products and video games. For covered sales, the assigned PayPro Global entity contracts with the end customer as principal, receives the purchase price, calculates and remits applicable transaction taxes, manages payment fraud, refunds and chargebacks, and pays the supplier's net proceeds. The supplier retains its product intellectual property, fulfilment and technical-support duties. This is not a conventional acquiring account or MID for the supplier.
Matched card-processing products
PayPro Global Merchant of Record
- PayPro Global Merchant of Record
Why this option is listed
The recorded role for PayPro Global Merchant of Record is Merchant of Record. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Merchant of Record
- Account / MID
- PayPro Global acts as Merchant of Record
- Approval
- PayPro Global reviews seller and product eligibility
- Funds / settlement
- Monthly seller payout by PayPro Global
- PayPro Global Merchant of Record
Product categories
Merchant of Record
Paysafe
Paysafe combines card acquiring and merchant processing with a payments API, Skrill and Neteller wallet acceptance, PaysafeCard eCash and a single-integration iGaming payment platform. The contracting entity, merchant account, regulatory permission and funds flow depend on the selected product and region.
Matched card-processing products
European card acquiring
- European card acquiring
Why this option is listed
The recorded role for European card acquiring is Acquirer. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Check funds / settlement
Funds holder and settlement provider not specified
- Role in this product
- Acquirer
- Account / MID
- Included: Paysafe
- Approval
- Merchant underwriter not specified
- Funds / settlement
- Funds holder and settlement provider not specified
- European card acquiring
North American merchant processing
- North American merchant processing
Why this option is listed
The recorded role for North American merchant processing is Payment processor. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Check funds / settlement
Funds holder and settlement provider not specified
- Role in this product
- Payment processor
- Account / MID
- Dedicated account from Sponsor bank named in the merchant agreement
- Approval
- Merchant underwriter not specified
- Funds / settlement
- Funds holder and settlement provider not specified
- North American merchant processing
iGaming payment platform
- iGaming payment platform
Why this option is listed
The recorded role for iGaming payment platform is PSP. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- PSP
- Account / MID
- Business activation required
- Approval
- Paysafe activates the business for this payment service
- Funds / settlement
- Merchant payouts included
- iGaming payment platform
Product categories
Merchant accounts & acquiring · Gateways
Planet
Planet combines online and in-person payment acceptance, acquiring, a payment gateway, tokenization, Dynamic Currency Conversion and Multi-Currency Pricing with hospitality software. Planet Merchant Services Limited provides the documented UK regulated route and Planet Merchant Services SAS provides the documented EU acquiring route. Availability outside those entity scopes may involve another Planet entity or an acquiring partner and must be confirmed by product, country and contract.
Matched card-processing products
Planet UK acquiring and payment acceptance
- UK acquiring through Planet Merchant Services Limited
Why this option is listed
The recorded role for UK acquiring through Planet Merchant Services Limited is Acquirer. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Acquirer
- Account / MID
- Included: Planet Merchant Services Limited
- Approval
- Planet performs merchant underwriting
- Funds / settlement
- Planet handles merchant funds at one or more stages
- UK acquiring through Planet Merchant Services Limited
Planet EEA acquiring and payment acceptance
- EEA acquiring through Planet Merchant Services SAS
Why this option is listed
The recorded role for EEA acquiring through Planet Merchant Services SAS is Acquirer. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Acquirer
- Account / MID
- Included: Planet Merchant Services SAS
- Approval
- Planet performs merchant underwriting
- Funds / settlement
- Planet handles merchant funds at one or more stages
- EEA acquiring through Planet Merchant Services SAS
Product categories
Merchant accounts & acquiring · Gateways
PPRO
PPRO connects payment service providers and approved direct merchants to local payment methods through the PPRO Global API, checkout products and the PPRO Payment Gateway. Its funds and commercial roles are product-specific: PPRO Payment Services S.A. fulfils settlement obligations for methods in which PPRO receives funds, processing-only methods expressly keep funds outside PPRO, and PPRO's current Mexico product combines Mexican local-acquiring access with a payment-local Merchant-of-Record route for merchants that may be located inside or outside Mexico. PPRO performs the payment-related local collection, remittance and associated tax procedures defined by the LATAM terms; the Contractual Partner remains the product seller and retains product, consumer and tax liability. PPRO does not publicly establish one universal merchant account, acquiring-bank MID or direct licensed-acquirer role across these paths.
Matched card-processing products
Global API local-payment processing and settlement
- Global API processing and PPRO LU settlement
Why this option is listed
The recorded role for Global API processing and PPRO LU settlement is Payment service provider. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Payment service provider
- Account / MID
- Not included with this product
- Approval
- PPRO performs merchant underwriting
- Funds / settlement
- Custom provider to merchant settlement
- Global API processing and PPRO LU settlement
Mexico Local Acquiring and Merchant of Record
- Mexico Local Acquiring and Merchant of Record
Why this option is listed
The recorded role for Mexico Local Acquiring and Merchant of Record is Local acquiring service and merchant of record. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Local acquiring service and merchant of record
- Account / MID
- The public Mexico product and LATAM terms do not establish a PPRO-issued acquiring-bank MID or conventional merchant account. Merchant Contract ID is PPRO's own registration and aggregation identifier
- Approval
- PPRO reviews seller and product eligibility
- Funds / settlement
- Custom seller payout by PPRO
- Mexico Local Acquiring and Merchant of Record
Product categories
Gateways · Merchant of Record
Rapyd
Rapyd combines payment acceptance, global payouts, multi-currency Wallet infrastructure and card issuing. Collect, Disburse, Wallet and Issuing use different money flows, and the contracting entity, regulated service, Network Partners, supported countries, currencies and risk approval depend on the product and agreement.
Matched card-processing products
Rapyd Collect
- Rapyd Collect
Why this option is listed
The recorded role for Rapyd Collect is Payment service provider. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Payment service provider
- Account / MID
- Business activation required
- Approval
- Rapyd activates the business for this payment service
- Funds / settlement
- Custom provider to merchant settlement
- Rapyd Collect
Product categories
Merchant accounts & acquiring · Crypto payments
Segpay
Segpay offers three distinct merchant products: payment facilitation, placement for a direct merchant account and gateway technology. Payment facilitation includes submerchant onboarding and processing; the direct account is placed with an acquiring bank; the gateway connects a merchant's payment setup to banks and processors.
Matched card-processing products
Payment Facilitator
- Payment Facilitator
Why this option is listed
The recorded role for Payment Facilitator is Payment facilitator. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Check funds / settlement
Funds holder and settlement provider not specified
- Role in this product
- Payment facilitator
- Account / MID
- Submerchant account under a master merchant account
- Approval
- Merchant underwriter not specified
- Funds / settlement
- Funds holder and settlement provider not specified
- Payment Facilitator
Direct Merchant Account
- Direct Merchant Account
Why this option is listed
The recorded role for Direct Merchant Account is ISO / MSP. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Check funds / settlement
Funds holder and settlement provider not specified
- Role in this product
- ISO / MSP
- Account / MID
- Dedicated merchant account
- Approval
- Merchant underwriter not specified
- Funds / settlement
- Funds holder and settlement provider not specified
- Direct Merchant Account
Product categories
Merchant accounts & acquiring · Gateways
Shift4
Shift4 combines online, in-person and hospitality payment technology with card processing, tokenization, reporting and currency-conversion products. The documented U.S. merchant-processing route is a joint agreement with Citizens Bank, N.A.; Shift4 Limited provides regulated EEA acquiring and Shift4 Payments UK Limited provides regulated UK acquiring. Gateway availability and merchant reach must not be read as direct Shift4 acquiring in every country.
Matched card-processing products
U.S. merchant processing with Citizens Bank sponsorship
- U.S. sponsored merchant processing with Citizens Bank
Why this option is listed
The recorded role for U.S. sponsored merchant processing with Citizens Bank is Payment processor. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Payment processor
- Account / MID
- Included: Citizens Bank, N.A.
- Approval
- Merchant approval is shared by Citizens Bank, N.A. and Shift4 Payments, LLC
- Funds / settlement
- Custom acquirer to merchant settlement
- U.S. sponsored merchant processing with Citizens Bank
Shift4 UK acquiring
- UK acquiring through Shift4 Payments UK Limited
Why this option is listed
The recorded role for UK acquiring through Shift4 Payments UK Limited is Acquirer. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Acquirer
- Account / MID
- Included: Shift4 Payments UK Limited
- Approval
- Shift4 performs merchant underwriting
- Funds / settlement
- Custom acquirer to merchant settlement
- UK acquiring through Shift4 Payments UK Limited
Shift4 EEA acquiring
- EEA acquiring through Shift4 Limited
Why this option is listed
The recorded role for EEA acquiring through Shift4 Limited is Acquirer. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Acquirer
- Account / MID
- Included: Shift4 Limited
- Approval
- Shift4 performs merchant underwriting
- Funds / settlement
- Custom acquirer to merchant settlement
- EEA acquiring through Shift4 Limited
Product categories
Merchant accounts & acquiring · Gateways
SoarPay
SoarPay places U.S. high-risk merchants with third-party acquiring banks, processors and payment gateways. SoarPay facilitates the application; the partner processor handles underwriting, risk analysis and card processing. The selected bank, processor, gateway, pricing, reserve and settlement terms are set in the merchant agreement.
Matched card-processing products
High-Risk Merchant Account
- High-Risk Merchant Account
Why this option is listed
The recorded role for High-Risk Merchant Account is ISO / MSP. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Check funds / settlement
Settlement schedule not specified
- Role in this product
- ISO / MSP
- Account / MID
- Dedicated merchant account
- Approval
- Final approval by the merchant underwriter
- Funds / settlement
- Settlement schedule not specified
- High-Risk Merchant Account
Product categories
Merchant accounts & acquiring
Stripe
Stripe provides online payment acceptance, connected-account infrastructure for platforms, a separate merchant-of-record product for digital commerce, and card-program infrastructure. Payments, Connect, Managed Payments, and Issuing have different merchant-of-record, acquiring, loss-liability, settlement, and bank responsibilities. Business approval is product-, country-, activity-, and contract-specific.
Matched card-processing products
Stripe Payments
- Stripe Payments
Why this option is listed
The recorded role for Stripe Payments is Payment service provider. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Payment service provider
- Account / MID
- Not included with this product
- Approval
- Stripe performs submerchant underwriting
- Funds / settlement
- Custom acquirer to merchant settlement
- Stripe Payments
Stripe Connect
- Stripe Connect
Why this option is listed
The recorded role for Stripe Connect is Platform payments. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Platform payments
- Account / MID
- Platform account and connected accounts
- Approval
- Stripe Connect includes platform onboarding and seller verification
- Funds / settlement
- Custom platform to seller settlement
- Stripe Connect
Stripe Managed Payments
- Stripe Managed Payments
Why this option is listed
The recorded role for Stripe Managed Payments is Merchant of Record. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Merchant of Record
- Account / MID
- Stripe acts as Merchant of Record
- Approval
- Stripe reviews seller and product eligibility
- Funds / settlement
- Custom seller payout by Stripe
- Stripe Managed Payments
Product categories
Merchant accounts & acquiring · Gateways
Tebex
Tebex Checkout is a merchant-of-record and seller-of-record service for approved video-game digital goods and related services. Tebex Limited buys the creator's digital goods or licences at a trade price and resells them directly to the player, operates the webstore and payment flow, handles transaction tax and buyer disputes, and credits the creator's net trade price to a Tebex Balance. The creator still owns or controls the product rights and must support fulfilment and evidence requests. Tebex is not a conventional acquiring account or MID issued to the creator.
Matched card-processing products
Tebex Checkout
- Tebex Checkout Merchant of Record
Why this option is listed
The recorded role for Tebex Checkout Merchant of Record is Merchant of Record. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Check funds / settlement
Seller payout by Tebex for balance credit and Hyperwallet or the applicable payout provider for withdrawal; schedule not specified
- Role in this product
- Merchant of Record
- Account / MID
- Tebex acts as Merchant of Record
- Approval
- Tebex reviews seller and product eligibility
- Funds / settlement
- Seller payout by Tebex for balance credit and Hyperwallet or the applicable payout provider for withdrawal; schedule not specified
- Tebex Checkout Merchant of Record
Product categories
Merchant of Record
Trust Payments
Trust Payments combines UK and EEA merchant acquiring with the TRU Connect online gateway, hosted and embedded checkout, mobile SDKs, tokenization, fraud controls, payment links, reporting and in-person terminals. TrustUK Payments Ltd is the documented UK acquiring entity and Trust Payments (Malta) Limited is the documented Malta-regulated acquiring entity. Gateway and POS technology can be contracted separately, so gateway status must not be confused with settlement by the merchant's acquirer.
Matched card-processing products
TrustUK merchant acquiring
- UK acquiring through TrustUK Payments Ltd
Why this option is listed
The recorded role for UK acquiring through TrustUK Payments Ltd is Acquirer. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Acquirer
- Account / MID
- Included: TrustUK Payments Ltd
- Approval
- Trust Payments performs merchant underwriting
- Funds / settlement
- Custom acquirer to merchant settlement
- UK acquiring through TrustUK Payments Ltd
Trust Payments Malta acquiring
- EEA acquiring through Trust Payments (Malta) Limited
Why this option is listed
The recorded role for EEA acquiring through Trust Payments (Malta) Limited is Acquirer. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Acquirer
- Account / MID
- Included: Trust Payments (Malta) Limited
- Approval
- Trust Payments performs merchant underwriting
- Funds / settlement
- Custom acquirer to merchant settlement
- EEA acquiring through Trust Payments (Malta) Limited
Product categories
Merchant accounts & acquiring · Gateways
Unlimit
Unlimit provides card acquiring and payment processing, a gateway and checkout stack, local payment methods, tokenized recurring payments and merchant-funded payouts. The operating route is regional rather than one global licence: Unlimit EU Ltd is a Cyprus electronic-money institution, Unlimit UK Ltd is a UK electronic-money institution, Unlimint IN Private Limited is an Indian payment aggregator, and Brazil separates the authorised payment institution and merchant acquirer from the technology and integration company.
Matched card-processing products
Unlimit EU payment services and acquiring
- Cyprus EMI payment services and merchant-acquiring route
Why this option is listed
The recorded role for Cyprus EMI payment services and merchant-acquiring route is Licensed electronic money institution and merchant acquirer. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Licensed electronic money institution and merchant acquirer
- Account / MID
- Included: Unlimit
- Approval
- Unlimit performs merchant underwriting
- Funds / settlement
- Custom acquirer to merchant settlement
- Cyprus EMI payment services and merchant-acquiring route
Unlimit UK payment services and acquiring
- UK EMI payment services and merchant-acquiring route
Why this option is listed
The recorded role for UK EMI payment services and merchant-acquiring route is UK electronic money institution and merchant acquirer. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- UK electronic money institution and merchant acquirer
- Account / MID
- Included: Unlimit
- Approval
- Unlimit performs merchant underwriting
- Funds / settlement
- Custom acquirer to merchant settlement
- UK EMI payment services and merchant-acquiring route
Unlimit India domestic and cross-border payment aggregation
- India payment-aggregator route
Why this option is listed
The recorded role for India payment-aggregator route is Rbi authorised payment aggregator and merchant technology provider. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Rbi authorised payment aggregator and merchant technology provider
- Account / MID
- Payment-aggregator collection and merchant-settlement account structure; not a bank current account
- Approval
- Unlimit performs merchant underwriting
- Funds / settlement
- Custom provider to merchant settlement
- India payment-aggregator route
Unlimit Brazil direct acquiring
- Brazil licensed merchant-acquiring route
Why this option is listed
The recorded role for Brazil licensed merchant-acquiring route is Licensed Brazilian payment institution and merchant acquirer. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Licensed Brazilian payment institution and merchant acquirer
- Account / MID
- Included: Unlimit
- Approval
- Unlimit performs merchant underwriting
- Funds / settlement
- Custom acquirer to merchant settlement
- Brazil licensed merchant-acquiring route
Product categories
Merchant accounts & acquiring · Gateways
Verotel
Verotel is an Amsterdam-based Internet Payment Service Provider and payment facilitator for high-risk online entertainment. It offers Basic and Premium processing accounts with hosted order pages, recurring billing, consumer support, fraud screening and a Yoursafe Business Account for merchant payouts. Premium includes FlexPay, multi-currency processing and volume-based rates. Yoursafe B.V. provides the Verotel service and is a DNB-authorized electronic money institution. The acquirer, MID owner and merchant-account structure are not identified for either account.
Matched card-processing products
Verotel Basic
- Verotel Basic
Why this option is listed
The recorded role for Verotel Basic is Payment facilitator. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Check account / mid
Merchant-account arrangement not specified
- Role in this product
- Payment facilitator
- Account / MID
- Merchant-account arrangement not specified
- Approval
- Verotel performs merchant underwriting
- Funds / settlement
- Daily provider to merchant settlement
- Verotel Basic
Verotel Premium
- Verotel Premium
Why this option is listed
The recorded role for Verotel Premium is Payment facilitator. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Check account / mid
Merchant-account arrangement not specified
- Role in this product
- Payment facilitator
- Account / MID
- Merchant-account arrangement not specified
- Approval
- Verotel performs merchant underwriting
- Funds / settlement
- Daily provider to merchant settlement
- Verotel Premium
Product categories
Merchant accounts & acquiring · Platforms, wallets & payouts
Worldline
Worldline combines regulated card acquiring with online and in-person payment technology. The documented UK route contracts through Worldline Merchant Services UK Limited, an FCA-authorised payment institution that underwrites the merchant, processes transactions, safeguards merchant funds and settles the approved card activity. Its Online Payments Gateway is a separate non-regulated SaaS service that can route to Worldline acquiring or to a third-party acquirer; on the latter route it does not supply that acquirer’s merchant account, underwriting or settlement.
Matched card-processing products
Worldline UK Acquiring Services
- UK regulated acquiring
Why this option is listed
The recorded role for UK regulated acquiring is Acquirer. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Role, account, approval and funds
- Role in this product
- Acquirer
- Account / MID
- Included: Worldline Merchant Services UK Limited
- Approval
- Worldline performs merchant underwriting
- Funds / settlement
- Custom acquirer to merchant settlement
- UK regulated acquiring
Product categories
Merchant accounts & acquiring · Gateways
Xsolla
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.
Matched card-processing products
Pay Station · Merchant of Record
- Pay Station · Merchant of Record
Why this option is listed
The recorded role for Pay Station · Merchant of Record is Merchant of Record. It is a payment-processing route rather than gateway-only software; the company profile also records card acceptance and names higher-risk industries.
Check approval
Developer and product approval terms not specified
- Role in this product
- Merchant of Record
- Account / MID
- Xsolla acts as Merchant of Record
- Approval
- Developer and product approval terms not specified
- Funds / settlement
- Custom developer payout by Xsolla
- Pay Station · Merchant of Record
Product categories
Gateways · Merchant of Record
Decision brief
Confirm the card-acquiring path, not only card acceptance
Use this page when
A product must accept credit or debit cards and the acquiring, underwriting and merchant-account arrangement matters.
Card role
Distinguish a gateway or orchestration connection from a processor, acquirer, payment facilitator or Merchant of Record relationship.
MID structure
Confirm whether the merchant receives a dedicated MID, uses a platform account or sells through another merchant of record.
Dispute owner
Assign responsibility for descriptors, evidence, representment, refunds and chargeback fees before launch.
Ask for product-specific answers
- Supported card brands, regions, currencies and transaction types
- Named underwriter, acquirer and settlement party
- Production volume and ticket limits, plus access to settlement and token data after termination
Make the card-acceptance approval specific
Card approval attaches to the named merchant, owners, websites, products, descriptor, MCC, customer locations, currencies, transaction channels, and expected volume described in the application. Approval for retail card-present sales does not automatically cover an online subscription business, and approval for one website does not automatically cover another.
Ask whether the offer is a direct merchant account, a payment-facilitator sub-merchant account, or a referral to another acquirer. Each model can be legitimate, but the agreement should make the contracting and settlement chain clear.
Match checkout controls to card-not-present risk
A useful card setup combines clear customer authorization with technical controls appropriate to the transaction. Address Verification Service, card security code checks, device and behavioral signals, velocity controls, 3-D Secure, network tokens, and stored-credential indicators address different risks; no single control guarantees that a transaction will be free from fraud or disputes.
Recurring merchants should confirm initial customer consent, renewal notices, cancellation, credential-on-file indicators, failed-payment retries, account updater support, and the descriptor that appears on the cardholder statement.
- Hosted, embedded, or direct API card collection
- 3-D Secure support and exemption handling
- Network or gateway token ownership and export
- Recurring, merchant-initiated, and account-updater support
Operate below contractual and card-network monitoring limits
Acquirers and card networks monitor fraud and disputes. The relevant program, calculation, threshold, and remediation process can differ by network and region and can change over time. Merchants should obtain current requirements from their acquirer and monitor both counts and ratios rather than waiting for a monthly warning.
Pre-dispute alerts and automated responses can reduce handling time, but they do not fix unclear billing, weak fulfillment, or a confusing descriptor. Track dispute reason, product, traffic source, issuer country, transaction age, refund attempt, and prior customer contact so operational causes can be addressed.
Put card fees, reserves, and settlement on the same model
Card fees can include interchange or a blended rate, processor markup, network assessments, authorization fees, gateway fees, cross-border charges, chargeback and retrieval fees, refunds, monthly minimums, and currency conversion. A low headline rate can be offset by a reserve or long settlement delay.
The reserve clause should state the percentage or amount, funding source, hold period, release method, and rights after termination. Settlement terms should cover cutoffs, weekends, negative balances, and the currency delivered to the merchant’s bank account.
Resolve card-account limits before integration
Integration should begin after the commercial and approval scope is understood. A technically successful test transaction says nothing about live volume limits, reserve rights, or whether the acquirer approved the merchant’s full product set.
- Approved MCC, descriptor, websites, products, countries, and recurring model
- Monthly volume, average ticket, maximum ticket, and card-not-present share
- Reserve, settlement, chargeback, refund, and termination terms
- Required fraud controls and current monitoring obligations
- Reporting, reconciliation, token portability, and support escalation
FAQ
Common questions
What makes credit card processing high risk?
The label usually reflects the acquirer’s view of chargebacks, fraud, fulfillment, regulatory exposure, continuity, transaction size, sales method, or other loss factors. Providers do not use one universal definition or industry list.
Does 3-D Secure prevent chargebacks?
No. 3-D Secure can authenticate a cardholder and may affect liability for eligible fraud disputes, but it does not prevent every dispute reason, operational error, refund problem, or card-network monitoring issue.
Can a merchant process above its approved monthly volume?
The merchant should request a limit review before materially exceeding the approved amount. Unplanned volume spikes can trigger review, delayed funding, reserve changes, or other action under the agreement.
Are card-network monitoring thresholds the same everywhere?
No. Programs and thresholds differ by network, region, metric, and effective date. Use current network material and the acquirer’s written requirements for the account rather than a fixed number copied from an old guide.