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HighRiskPaymentProvider.comPayment provider reviews

Payment processing

High-Risk Payment Processing

High-risk payment processing is not a single product. It can combine a merchant account, acquiring bank, processor, gateway, fraud tools, and settlement service under one contract or several. The first comparison should identify which company performs each function for the exact product and country being offered.

Last reviewed

42 company profiles

Reviewed high-risk payment-processing products

These products take customer payments for at least one reviewed industry. The list covers processing, acquiring, Merchant of Record, PayFac, platform and selected bank, wallet or crypto payment services; standalone gateway, routing, issuing, payout and account-infrastructure products are left out. Confirm the exact product and industry combination, because listing does not guarantee approval for every high-risk activity or country.

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Showing 42 of 42
Updated July 30, 2026

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 processing products

  1. Adyen Payments

    • Adyen Payments

      Why this option is listed

      The recorded role for Adyen Payments is Acquirer, and the route processes transactions. The company profile names Digital content and Hospitality.

      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
  2. Adyen for Platforms

    • Adyen for Platforms

      Why this option is listed

      The recorded role for Adyen for Platforms is Platform payments, and the route processes transactions. The company profile names Digital content and Hospitality.

      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

Product categories

Merchant accounts & acquiring · Gateways

Updated July 31, 2026

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 processing products

  1. Airwallex Online Payments

    • Airwallex Online Payments

      Why this option is listed

      The recorded role for Airwallex Online Payments is Payment service provider, and the route processes transactions. The company profile names Digital content and Hospitality and 1 other named 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
  2. 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, and the route processes transactions. The company profile names Digital content and Hospitality and 1 other named 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

Product categories

Merchant accounts & acquiring · Gateways

Updated August 15, 2026

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 processing products

  1. 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, and the route processes transactions. The company profile names Travel.

      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
  2. 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, and the route processes transactions. The company profile names Travel.

      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
  3. 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, and the route processes transactions. The company profile names Travel.

      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

Product categories

Merchant accounts & acquiring · Gateways

Updated August 15, 2026

Boku

Boku provides a mobile-first local-payment network covering wallets, account-to-account schemes, buy-now-pay-later and direct carrier billing through one API and consolidated settlement. The relevant Boku operating entity processes or collects under the merchant agreement, while mobile carriers, wallets, banks, payment schemes and other acquirers remain separate participants. Named Boku entities provide regulated acquiring in specified markets, but the wider network does not give every merchant a card merchant account, MID or direct-acquiring relationship.

Matched processing products

  1. Boku Online Payments

    2 contract options
    • Boku local-payment network

      Why this option is listed

      The recorded role for Boku local-payment network is Payment method, and the route processes transactions. The company profile names Digital content and Streaming media and 1 other named industries.

      Role, account, approval and funds
      Role in this product
      Payment method
      Account / MID
      Boku local-payment network merchant activation
      Approval
      The Boku group operating entity assigned in the merchant agreement reviews eligibility for Boku local-payment network
      Funds / settlement
      Custom provider to merchant settlement
    • Boku regulated payment acquiring

      Why this option is listed

      The recorded role for Boku regulated payment acquiring is Acquirer, and the route processes transactions. The company profile names Digital content and Streaming media and 1 other named industries.

      Role, account, approval and funds
      Role in this product
      Acquirer
      Account / MID
      Merchant contracts with the authorized Boku entity contracted for the approved market and payment method for the approved acquiring service
      Approval
      Boku Network Services IE Limited and Boku Account Services UK Limited and Boku Network Services MY Sdn. Bhd. performs merchant KYC, AML and risk review; The authorized Boku entity contracted for the approved market and payment method makes the regulated acquiring decision
      Funds / settlement
      The authorized Boku entity contracted for the approved market and payment method acquires approved transactions; The authorized Boku entity contracted for the approved market and payment method handles safeguarded funds and Boku Network Services IE Limited and Boku Account Services UK Limited and Boku Network Services MY Sdn. Bhd. settles the merchant
  2. Boku Direct Carrier Billing

    • Boku Direct Carrier Billing

      Why this option is listed

      The recorded role for Boku Direct Carrier Billing is Payment method, and the route processes transactions. The company profile names Digital content and Streaming media and 1 other named industries.

      Role, account, approval and funds
      Role in this product
      Payment method
      Account / MID
      Boku Direct Carrier Billing merchant activation
      Approval
      The Boku operating entity assigned for the carrier-billing market reviews eligibility for Boku Direct Carrier Billing
      Funds / settlement
      Custom provider to merchant settlement

Product categories

Merchant accounts & acquiring · Gateways

Updated July 30, 2026

BVNK

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.

Matched processing products

  1. Receive stablecoin payments

    • Receive stablecoin payments

      Why this option is listed

      The recorded role for Receive stablecoin payments is Crypto payment provider, and the route processes transactions. The company profile names Crypto and Financial services and 3 other named industries.

      Role, account, approval and funds
      Role in this product
      Crypto payment provider
      Account / MID
      Crypto payment account
      Approval
      Business verification required before activation
      Funds / settlement
      Fiat wallet · Same stablecoin wallet · Different supported crypto wallet

Product categories

Payment orchestration · Crypto payments

Updated July 17, 2026

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 processing products

  1. PSP/IPSP

    • PSP/IPSP

      Why this option is listed

      The recorded role for PSP/IPSP is Payment facilitator, and the route processes transactions. The company profile names Adult and CBD and 4 other named 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
  2. ISO Merchant Account

    • ISO Merchant Account

      Why this option is listed

      The recorded role for ISO Merchant Account is ISO / MSP, and the route processes transactions. The company profile names Adult and CBD and 4 other named 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
  3. Advanced Solutions

    • Advanced Solutions

      Why this option is listed

      The recorded role for Advanced Solutions is Payment processor, and the route processes transactions. The company profile names Adult and CBD and 4 other named 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

Product categories

Merchant accounts & acquiring · Gateways

Updated July 31, 2026

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 processing products

  1. 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, and the route processes transactions. The company profile names Crypto and Financial services and 2 other named 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
  2. Checkout.com Integrated Platforms

    • Checkout.com Integrated Platforms

      Why this option is listed

      The recorded role for Checkout.com Integrated Platforms is Platform payments, and the route processes transactions. The company profile names Crypto and Financial services and 2 other named 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

Product categories

Merchant accounts & acquiring · Gateways

Updated August 15, 2026

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 processing products

  1. 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, and the route processes transactions. The company profile names Digital content and Video gaming.

      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
  2. 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, and the route processes transactions. The company profile names Digital content and Video gaming.

      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

Product categories

Merchant accounts & acquiring · Merchant of Record

Updated July 30, 2026

CoinPayments

CoinPayments provides hosted and API-based cryptocurrency checkout, merchant wallets, webhooks and configurable transfers to merchant-controlled addresses. The contracting and custody entity depends on the business jurisdiction. Fiat conversion, where available, uses partners and varies by jurisdiction.

Matched processing products

  1. Crypto payment processing

    • Crypto payment processing

      Why this option is listed

      The recorded role for Crypto payment processing is Crypto payment provider, and the route processes transactions. The company profile names Crypto and iGaming and 1 other named industries.

      Role, account, approval and funds
      Role in this product
      Crypto payment provider
      Account / MID
      Crypto payment account
      Approval
      Business verification required before activation
      Funds / settlement
      CoinPayments Wallet · Merchant-controlled address

Product categories

Gateways · Crypto payments

Updated August 15, 2026

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 processing products

  1. 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, and the route processes transactions. The company profile names Digital content and Streaming media and 1 other named 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

Product categories

Merchant accounts & acquiring · Gateways

Updated July 30, 2026

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 processing products

  1. Payins

    • Payins

      Why this option is listed

      The recorded role for Payins is Payment service provider, and the route processes transactions. The company profile names Video gaming and Digital content and 4 other named 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
  2. dLocal for Platforms

    • dLocal for Platforms

      Why this option is listed

      The recorded role for dLocal for Platforms is Platform payments, and the route processes transactions. The company profile names Video gaming and Digital content and 4 other named 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
  3. Invoice Collection

    • Invoice Collection

      Why this option is listed

      The recorded role for Invoice Collection is Invoice payment collection, and the route processes transactions. The company profile names Video gaming and Digital content and 4 other named industries.

      Role, account, approval and funds
      Role in this product
      Invoice payment collection
      Account / MID
      Business activation required
      Approval
      dLocal activates the business for this payment service
      Funds / settlement
      Custom provider to merchant settlement

Product categories

Platforms, wallets & payouts

Updated July 31, 2026

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 processing products

  1. High-Risk Merchant Account

    • High-Risk Merchant Account

      Why this option is listed

      The recorded role for High-Risk Merchant Account is ISO / MSP, and the route processes transactions. The company profile names Alcohol and Collectibles and 8 other named 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
  2. ACH & eCheck Processing

    • ACH & eCheck Processing

      Why this option is listed

      The recorded role for ACH & eCheck Processing is ISO / MSP, and the route processes transactions. The company profile names Alcohol and Collectibles and 8 other named industries.

      Check funds / settlement

      ACH and eCheck funding terms and banks not specified

      Role in this product
      ISO / MSP
      Account / MID
      Provided by the selected ACH and check providers
      Approval
      Final approval by the selected ACH or check provider
      Funds / settlement
      ACH and eCheck funding terms and banks not specified

Product categories

Merchant accounts & acquiring

Updated August 15, 2026

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 processing products

  1. EBANX Pay-in

    • EBANX Pay-in

      Why this option is listed

      The recorded role for EBANX Pay-in is Payment service provider, and the route processes transactions. The company profile names Digital content and Streaming media and 3 other named 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

Product categories

Gateways · Platforms, wallets & payouts

Updated August 15, 2026

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 processing products

  1. 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, and the route processes transactions. The company profile names Digital content and Financial services and 4 other named 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, and the route processes transactions. The company profile names Digital content and Financial services and 4 other named 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
  2. 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, and the route processes transactions. The company profile names Digital content and Financial services and 4 other named 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
  3. Ecommpay open banking

    • Ecommpay open-banking payments

      Why this option is listed

      The recorded role for Ecommpay open-banking payments is Open Banking payment integration, and the route processes transactions. The company profile names Digital content and Financial services and 4 other named industries.

      Role, account, approval and funds
      Role in this product
      Open Banking payment integration
      Account / MID
      Business activation required
      Approval
      Ecommpay reviews eligibility for Ecommpay open-banking payments
      Funds / settlement
      The payer bank and payment rail move funds to the configured beneficiary account; the initiation provider does not hold them

Product categories

Merchant accounts & acquiring · Gateways

Updated August 15, 2026

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 processing products

  1. 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, and the route processes transactions. The company profile names Hospitality and Travel.

      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
  2. 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, and the route processes transactions. The company profile names Hospitality and Travel.

      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
  3. 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, and the route processes transactions. The company profile names Hospitality and Travel.

      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

Product categories

Merchant accounts & acquiring · Gateways

Updated July 30, 2026

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 processing products

  1. Global card acquiring

    • Global card acquiring

      Why this option is listed

      The recorded role for Global card acquiring is Acquirer, and the route processes transactions. The company profile names iGaming and Financial services and 2 other named 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
  2. 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, and the route processes transactions. The company profile names iGaming and Financial services and 2 other named 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
  3. US ISO merchant processing

    • US ISO merchant processing

      Why this option is listed

      The recorded role for US ISO merchant processing is ISO / MSP, and the route processes transactions. The company profile names iGaming and Financial services and 2 other named 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

Product categories

Merchant accounts & acquiring · Gateways

Updated August 15, 2026

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 processing products

  1. FastSpring Digital Retailer

    • FastSpring Digital Retailer

      Why this option is listed

      The recorded role for FastSpring Digital Retailer is Merchant of Record, and the route processes transactions. The company profile names Digital content and Video gaming.

      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

Product categories

Merchant of Record

Updated August 15, 2026

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 processing products

  1. 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, and the route processes transactions. The company profile names Financial services and Hospitality.

      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
  2. 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, and the route processes transactions. The company profile names Financial services and Hospitality.

      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

Product categories

Merchant accounts & acquiring · Gateways

Updated August 15, 2026

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 processing products

  1. 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, and the route processes transactions. The company profile names Digital content.

      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

Product categories

Merchant of Record

Updated August 15, 2026

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 processing products

  1. Mews Payments

    • Mews-facilitated hospitality payments

      Why this option is listed

      The recorded role for Mews-facilitated hospitality payments is Payment facilitator, and the route processes transactions. The company profile names Hospitality.

      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

Product categories

Merchant accounts & acquiring

Updated August 15, 2026

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 processing products

  1. Online and in-person payments

    3 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, and the route processes transactions. The company profile names Hospitality and Travel.

      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, and the route processes transactions. The company profile names Hospitality and Travel.

      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
    • iDEAL method-specific acquiring

      Why this option is listed

      The recorded role for iDEAL method-specific acquiring is iDEAL acquirer and payment service provider, and the route processes transactions. The company profile names Hospitality and Travel.

      Role, account, approval and funds
      Role in this product
      iDEAL acquirer and payment service provider
      Account / MID
      Method-specific iDEAL acceptance through the merchant's Mollie organisation account. This direct-acquiring assertion does not establish a card merchant account, a card MID or Mollie card acquiring
      Approval
      Mollie performs merchant underwriting
      Funds / settlement
      Custom provider to merchant settlement
  2. 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, and the route processes transactions. The company profile names Hospitality and Travel.

      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
  3. 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, and the route processes transactions. The company profile names Hospitality and Travel.

      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

Product categories

Merchant accounts & acquiring · Gateways

Updated July 19, 2026

Nuvei

Nuvei provides acquiring, processing, gateway, orchestration, merchant accounts, payouts, platform payments, issuing, banking and crypto services.

Matched processing products

  1. Nuvei Acquiring

    • Nuvei Acquiring

      Why this option is listed

      The recorded role for Nuvei Acquiring is Acquirer, and the route processes transactions. The company profile names Travel and iGaming and 10 other named 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
  2. Merchant of Record

    • Merchant of Record

      Why this option is listed

      The recorded role for Merchant of Record is Merchant of Record, and the route processes transactions. The company profile names Travel and iGaming and 10 other named 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
  3. Payment facilitator services

    • Payment facilitator services

      Why this option is listed

      The recorded role for Payment facilitator services is Payment facilitator services, and the route processes transactions. The company profile names Travel and iGaming and 10 other named 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

Product categories

Merchant accounts & acquiring · Gateways

Updated July 31, 2026

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 processing products

  1. Paddle Billing

    • Paddle Billing

      Why this option is listed

      The recorded role for Paddle Billing is Merchant of Record, and the route processes transactions. The company profile names Digital content and Video gaming.

      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

Product categories

Merchant of Record

Updated July 30, 2026

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 processing products

  1. 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, and the route processes transactions. The company profile names Adult and CBD and 1 other named 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
  2. ACH & eCheck Processing

    • ACH & eCheck Processing

      Why this option is listed

      The recorded role for ACH & eCheck Processing is Merchant services provider, and the route processes transactions. The company profile names Adult and CBD and 1 other named industries.

      Check funds / settlement

      ACH funding schedule and settlement bank not specified

      Role in this product
      Merchant services provider
      Account / MID
      Provided by the selected ACH provider
      Approval
      Final approval by the selected ACH provider
      Funds / settlement
      ACH funding schedule and settlement bank not specified

Product categories

Merchant accounts & acquiring

Updated August 15, 2026

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 processing products

  1. 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, and the route processes transactions. The company profile names Digital content and Video gaming.

      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

Product categories

Merchant of Record

Updated July 30, 2026

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 processing products

  1. European card acquiring

    • European card acquiring

      Why this option is listed

      The recorded role for European card acquiring is Acquirer, and the route processes transactions. The company profile names iGaming and Video gaming and 4 other named 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
  2. North American merchant processing

    • North American merchant processing

      Why this option is listed

      The recorded role for North American merchant processing is Payment processor, and the route processes transactions. The company profile names iGaming and Video gaming and 4 other named 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
  3. Skrill wallet payments

    • Skrill wallet payments

      Why this option is listed

      The recorded role for Skrill wallet payments is Digital wallet, and the route processes transactions. The company profile names iGaming and Video gaming and 4 other named industries.

      Role, account, approval and funds
      Role in this product
      Digital wallet
      Account / MID
      Skrill business account
      Approval
      Paysafe reviews business eligibility for this wallet product
      Funds / settlement
      Paysafe processes wallet payments; merchant crediting terms are not specified
  4. Neteller wallet payments

    • Neteller wallet payments

      Why this option is listed

      The recorded role for Neteller wallet payments is Digital wallet, and the route processes transactions. The company profile names iGaming and Video gaming and 4 other named industries.

      Role, account, approval and funds
      Role in this product
      Digital wallet
      Account / MID
      Neteller business account
      Approval
      Paysafe reviews business eligibility for this wallet product
      Funds / settlement
      Paysafe processes wallet payments; merchant crediting terms are not specified
  5. PaysafeCard eCash

    • PaysafeCard eCash

      Why this option is listed

      The recorded role for PaysafeCard eCash is Payment method, and the route processes transactions. The company profile names iGaming and Video gaming and 4 other named industries.

      Role, account, approval and funds
      Role in this product
      Payment method
      Account / MID
      PaysafeCard eCash merchant activation
      Approval
      Paysafe reviews business eligibility for this payment method product
      Funds / settlement
      Paysafe processes payments; merchant crediting terms are not specified
  6. iGaming payment platform

    • iGaming payment platform

      Why this option is listed

      The recorded role for iGaming payment platform is PSP, and the route processes transactions. The company profile names iGaming and Video gaming and 4 other named 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

Product categories

Merchant accounts & acquiring · Gateways

Updated August 15, 2026

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 processing products

  1. 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, and the route processes transactions. The company profile names Hospitality and Travel.

      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
  2. 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, and the route processes transactions. The company profile names Hospitality and Travel.

      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

Product categories

Merchant accounts & acquiring · Gateways

Updated August 15, 2026

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 processing products

  1. 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, and the route processes transactions. The company profile names Financial services and Forex CFD and 2 other named 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
  2. 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, and the route processes transactions. The company profile names Financial services and Forex CFD and 2 other named 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

Product categories

Gateways · Merchant of Record

Updated July 30, 2026

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 processing products

  1. Rapyd Collect

    • Rapyd Collect

      Why this option is listed

      The recorded role for Rapyd Collect is Payment service provider, and the route processes transactions. The company profile names Crypto and Digital content and 6 other named 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

Product categories

Merchant accounts & acquiring · Crypto payments

Updated July 30, 2026

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 processing products

  1. Payment Facilitator

    • Payment Facilitator

      Why this option is listed

      The recorded role for Payment Facilitator is Payment facilitator, and the route processes transactions. The company profile names Adult and Dating and 4 other named 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
  2. Direct Merchant Account

    • Direct Merchant Account

      Why this option is listed

      The recorded role for Direct Merchant Account is ISO / MSP, and the route processes transactions. The company profile names Adult and Dating and 4 other named 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

Product categories

Merchant accounts & acquiring · Gateways

Updated August 15, 2026

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 processing products

  1. 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, and the route processes transactions. The company profile names Hospitality and Travel.

      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
  2. 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, and the route processes transactions. The company profile names Hospitality and Travel.

      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
  3. Shift4 EEA acquiring

    • EEA acquiring through Shift4 Limited

      Why this option is listed

      The recorded role for EEA acquiring through Shift4 Limited is Acquirer, and the route processes transactions. The company profile names Hospitality and Travel.

      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

Product categories

Merchant accounts & acquiring · Gateways

Updated July 30, 2026

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 processing products

  1. High-Risk Merchant Account

    • High-Risk Merchant Account

      Why this option is listed

      The recorded role for High-Risk Merchant Account is ISO / MSP, and the route processes transactions. The company profile names CBD and Digital content and 3 other named 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
  2. High-Risk ACH Processing

    • High-Risk ACH Processing

      Why this option is listed

      The recorded role for High-Risk ACH Processing is ISO / MSP, and the route processes transactions. The company profile names CBD and Digital content and 3 other named industries.

      Role, account, approval and funds
      Role in this product
      ISO / MSP
      Account / MID
      Provided by the selected ACH provider
      Approval
      Final approval by the selected ACH provider
      Funds / settlement
      One to three business days

Product categories

Merchant accounts & acquiring

Updated July 31, 2026

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 processing products

  1. Stripe Payments

    • Stripe Payments

      Why this option is listed

      The recorded role for Stripe Payments is Payment service provider, and the route processes transactions. The company profile names Digital content and Financial services and 2 other named 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
  2. Stripe Connect

    • Stripe Connect

      Why this option is listed

      The recorded role for Stripe Connect is Platform payments, and the route processes transactions. The company profile names Digital content and Financial services and 2 other named 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
  3. Stripe Managed Payments

    • Stripe Managed Payments

      Why this option is listed

      The recorded role for Stripe Managed Payments is Merchant of Record, and the route processes transactions. The company profile names Digital content and Financial services and 2 other named 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

Product categories

Merchant accounts & acquiring · Gateways

Updated August 15, 2026

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 processing products

  1. 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, and the route processes transactions. The company profile names Video gaming.

      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

Product categories

Merchant of Record

Updated August 15, 2026

TrueLayer

TrueLayer provides Pay by Bank acceptance, pay-ins into a TrueLayer payment account, bank payouts and refunds, account data and account verification in the United Kingdom and supported European markets. Bank on File and variable recurring payments are limited to UK merchants, UK customer bank accounts and GBP. TrueLayer Limited and TrueLayer (Ireland) Limited provide the other regulated services. Product availability depends on the contracting entity, merchant regulatory status, country, bank, payment scheme and release channel; TrueLayer does not provide card acquiring or a card MID.

Matched processing products

  1. TrueLayer Pay by Bank

    • Pay by Bank with TrueLayer-regulated payment services

      Why this option is listed

      The recorded role for Pay by Bank with TrueLayer-regulated payment services is Pay by Bank, and the route processes transactions. The company profile names Financial services and Travel.

      Role, account, approval and funds
      Role in this product
      Pay by Bank
      Account / MID
      Business activation required
      Approval
      TrueLayer Limited and TrueLayer (Ireland) Limited reviews business eligibility for this Pay by Bank product
      Funds / settlement
      TrueLayer Limited and TrueLayer (Ireland) Limited processes bank payments; merchant crediting terms are not specified
  2. TrueLayer Bank on File · UK

    • Bank on File and recurring bank payments

      Why this option is listed

      The recorded role for Bank on File and recurring bank payments is Pay by Bank, and the route processes transactions. The company profile names Financial services and Travel.

      Check approval

      recurring bank payment activation requirements not specified

      Role in this product
      Pay by Bank
      Account / MID
      Business activation terms not specified
      Approval
      recurring bank payment activation requirements not specified
      Funds / settlement
      TrueLayer Limited processes recurring bank collections; merchant crediting terms are not specified

Product categories

Pay by bank · Platforms, wallets & payouts

Updated August 15, 2026

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 processing products

  1. 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, and the route processes transactions. The company profile names Financial services and Hospitality and 1 other named 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
  2. 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, and the route processes transactions. The company profile names Financial services and Hospitality and 1 other named 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

Product categories

Merchant accounts & acquiring · Gateways

Updated July 30, 2026

Trustly

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.

Matched processing products

  1. Trustly Pay · North America

    • Trustly Pay · North America

      Why this option is listed

      The recorded role for Trustly Pay · North America is Pay by Bank, and the route processes transactions. The company profile names Financial services and iGaming and 1 other named industries.

      Role, account, approval and funds
      Role in this product
      Pay by Bank
      Account / MID
      Business activation required
      Approval
      Trustly, Inc. reviews business eligibility for this Pay by Bank product
      Funds / settlement
      Trustly, Inc. processes bank payments; merchant crediting terms are not specified
  2. Trustly Payment · Europe

    • Trustly Payment · Europe

      Why this option is listed

      The recorded role for Trustly Payment · Europe is Pay by Bank, and the route processes transactions. The company profile names Financial services and iGaming and 1 other named industries.

      Role, account, approval and funds
      Role in this product
      Pay by Bank
      Account / MID
      Business activation required
      Approval
      Trustly Group AB and Trustly UK Limited reviews business eligibility for this Pay by Bank product
      Funds / settlement
      Trustly Group AB and Trustly UK Limited processes bank payments; merchant crediting terms are not specified
  3. Trustly Recurring Payments · Europe

    • Trustly Recurring Payments · Europe

      Why this option is listed

      The recorded role for Trustly Recurring Payments · Europe is Pay by Bank, and the route processes transactions. The company profile names Financial services and iGaming and 1 other named industries.

      Role, account, approval and funds
      Role in this product
      Pay by Bank
      Account / MID
      Business activation required
      Approval
      Trustly Group AB and Trustly UK Limited reviews business eligibility for this recurring bank payment product
      Funds / settlement
      Trustly Group AB and Trustly UK Limited processes recurring bank collections; merchant crediting terms are not specified

Product categories

Pay by bank · Platforms, wallets & payouts

Updated August 15, 2026

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 processing products

  1. 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, and the route processes transactions. The company profile names Hospitality and iGaming and 2 other named 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
  2. 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, and the route processes transactions. The company profile names Hospitality and iGaming and 2 other named 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
  3. 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, and the route processes transactions. The company profile names Hospitality and iGaming and 2 other named 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
  4. 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, and the route processes transactions. The company profile names Hospitality and iGaming and 2 other named 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

Product categories

Merchant accounts & acquiring · Gateways

Updated July 30, 2026

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 processing products

  1. Verotel Basic

    • Verotel Basic

      Why this option is listed

      The recorded role for Verotel Basic is Payment facilitator, and the route processes transactions. The company profile names Adult and Digital content and 2 other named 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
  2. Verotel Premium

    • Verotel Premium

      Why this option is listed

      The recorded role for Verotel Premium is Payment facilitator, and the route processes transactions. The company profile names Adult and Digital content and 2 other named 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

Product categories

Merchant accounts & acquiring · Platforms, wallets & payouts

Updated August 15, 2026

Volt

Volt provides Pay by Bank payment initiation, hosted and API-only checkout, bank-account verification, recurring bank-payment capabilities, refunds, payouts and payment-account cash management in supported markets. Volt Technologies Holdings Limited provides regulated UK payment-initiation services, Volt Technologies Limited provides UK electronic-money and payment-account services, Volt Technologies sp. z o.o. provides regulated services in Poland and the EEA, and Volt Connect Pty Ltd supports the Australian route. A Volt Account is a payment account used with Volt payment services, not a card merchant account, acquiring relationship or card MID. Product availability depends on the contracting entity, merchant due diligence, payer bank, payment rail, currency and account configuration.

Matched processing products

  1. Volt Instant Payments

    2 contract options
    • Pay by Bank with direct beneficiary settlement

      Why this option is listed

      The recorded role for Pay by Bank with direct beneficiary settlement is Pay by Bank initiation provider, and the route processes transactions. The company profile names Financial services and Travel.

      Role, account, approval and funds
      Role in this product
      Pay by Bank initiation provider
      Account / MID
      Business activation required
      Approval
      Applicable Volt regulated entity reviews eligibility for Pay by Bank with direct beneficiary settlement
      Funds / settlement
      The payer bank and payment rail move funds to the configured beneficiary account; the initiation provider does not hold them
    • Pay by Bank into a Volt Account

      Why this option is listed

      The recorded role for Pay by Bank into a Volt Account is Pay by Bank, and the route processes transactions. The company profile names Financial services and Travel.

      Role, account, approval and funds
      Role in this product
      Pay by Bank
      Account / MID
      Regulated Volt payment account for eligible bank-payment funds; not a card merchant account and no card MID
      Approval
      Volt approves the payment-services client and requested account configuration
      Funds / settlement
      Volt records eligible funds in the regulated payment account and moves them through enabled bank rails
  2. Volt PayTo Recurring Payments

    • PayTo agreement payment initiation in Australia

      Why this option is listed

      The recorded role for PayTo agreement payment initiation in Australia is Pay by Bank initiation provider, and the route processes transactions. The company profile names Financial services and Travel.

      Role, account, approval and funds
      Role in this product
      Pay by Bank initiation provider
      Account / MID
      Business activation required
      Approval
      Volt Connect Pty Ltd reviews eligibility for PayTo agreement payment initiation in Australia
      Funds / settlement
      The payer bank and payment rail move funds to the configured beneficiary account; the initiation provider does not hold them

Product categories

Pay by bank · Platforms, wallets & payouts

Updated August 15, 2026

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 processing products

  1. Worldline UK Acquiring Services

    • UK regulated acquiring

      Why this option is listed

      The recorded role for UK regulated acquiring is Acquirer, and the route processes transactions. The company profile names Hospitality and Travel.

      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

Product categories

Merchant accounts & acquiring · Gateways

Updated July 31, 2026

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 processing products

  1. 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, and the route processes transactions. The company profile names Digital content and Video gaming.

      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

Product categories

Gateways · Merchant of Record

Decision brief

Separate the payment product from the company name

Use this page when

You are comparing products that may combine processing, acquiring, platform payments, bank payments or Merchant of Record services.

  1. Contracted product

    Name the exact offer and contract configuration rather than assuming every product from a provider has the same approval and funds flow.

  2. Transaction roles

    Confirm who routes authorization, makes the approval decision, acquires, holds funds, handles disputes and sends settlement.

  3. Business fit

    Match the product to the legal entity, country, MCC, payment method and delivery model actually being reviewed.

Verify before treating a provider as a fit

  • Exact product name and contracting entity
  • Merchant-account, MID and settlement structure
  • Written confirmation of supported activity, countries and payment methods
01

Separate the processor, acquirer, gateway, and PSP

The acquirer establishes the merchant's card-acceptance relationship and submits transactions to the card networks. A processor carries authorization, clearing and settlement messages. A gateway connects the merchant's checkout or system to a processor. A payment service provider (PSP) may bundle some or all of those functions, but the label alone does not establish who underwrites the merchant or controls funds.

Ask for the transaction and funds flow in plain terms: where the payment request goes, which entity submits it for authorization, which entity receives settlement, who deducts fees, and which entity pays the merchant.

  • Underwriting and account approval
  • Authorization, clearing, and settlement processing
  • Gateway and checkout operation
  • Reserve ownership and merchant settlement
02

Follow a payment from checkout to settlement

Authorization confirms whether the issuer approves the transaction at that moment; it does not complete the movement of funds. Capture submits the approved transaction for clearing, and settlement moves net funds through the acquiring chain. Refunds, reversals, disputes, and chargebacks follow separate messages and timelines.

For card-not-present and recurring businesses, compare the actual checkout and credential model. Hosted checkout, embedded fields, direct API collection, network tokens, stored credentials, account updater services, and 3-D Secure can change integration work, fraud exposure, and PCI DSS scope.

  • Authorization and capture controls
  • Partial capture, voids, refunds, and partial refunds
  • Recurring and merchant-initiated transaction support
  • Webhooks, reconciliation reports, and payout reports
03

Design operations for disputes, fraud, and interruptions

A provider’s acceptance of an industry does not remove the merchant’s responsibility for lawful marketing, clear billing terms, customer authorization, fulfillment, refunds, and dispute response. Providers may monitor fraud, dispute, refund, and authorization performance and can require remediation when the account exceeds contractual or card-network limits.

Continuity is more than a second processor. Token portability, an independent gateway, multiple approved MIDs, and documented failover can reduce migration time. Transactions must still be routed only through accounts approved for that business and activity.

04

Compare net settlement, not one advertised rate

Payment processing cost may include a percentage rate, per-transaction charge, card-network and assessment fees, gateway fees, cross-border costs, currency conversion, monthly minimums, refund and chargeback fees, and reserves. Interchange-plus, blended, and tiered prices cannot be compared until every fixed and variable component is placed against the same transaction mix.

Settlement timing should state business days, cutoff times, weekends, currencies, reserve deductions, negative-balance handling, and conditions that permit delayed funding. Ask for sample settlement and reconciliation reports before integration.

05

Choose the route that fits the business you actually operate

Start with legal entity, customer countries, products, delivery time, currencies, payment methods, monthly volume, average and maximum ticket, recurring share, refund rate, dispute history, and technical platform. Then compare written offers for that same operating profile.

  • Named acquirer and contracting entity
  • Approved MCC, products, websites, countries, and volume
  • Reserve, settlement, fees, and termination rights
  • Checkout, API, reporting, token export, and support coverage
  • A migration plan that does not rely on unapproved transaction routing

FAQ

Common questions

Is a payment processor the same as a merchant account provider?

Not necessarily. A processor handles transaction messages, while the merchant account is the acquiring relationship that permits card acceptance. One PSP may bundle both, or separate companies may provide them.

Can a gateway approve a high-risk merchant?

A standalone gateway can approve access to its technology, but it cannot grant acquiring approval unless the same service also includes underwriting and an acquiring route. Confirm which entity approves the merchant account.

What is the most important processing price to compare?

There is no single rate that captures total cost. Model the full fee schedule, reserve withholding, settlement delay, refund behavior, chargebacks, cross-border activity, currency conversion, and expected transaction mix.

Does a backup processor provide automatic failover?

Only if the second route is contracted, approved for the same activity, technically integrated, and permitted by the routing configuration. A provider logo or unused MID does not create a compliant failover plan.

Official references