Provider overviewData as of Aug 15, 2026

FreedomPay review

FreedomPay offers FreedomPay Commerce Platform and Merchant Centered Acquiring advisory.

2 products · 3 company roles

Software pricing & contract terms

Pricing

Public and custom pricing

Pricing is set separately for Merchant Centered Acquiring referral advisory and Independent omnichannel gateway and orchestration. Fee model: Fixed only.

Contract term

Not specified

Renewal, notice and early-termination terms are not specified.

On this page

Independent omnichannel gateway and orchestration

Current sectionOverviewAll productsevery product

ProductFreedomPay Commerce Platform

FreedomPay Commerce Platform

Company overview

About FreedomPay

What the company provides

Orchestrator
Gateway
Acquiring referral advisor

Available countries, payment methods, data access, contracts and funds handling depend on the selected product.

FreedomPay provides an independent payment gateway and payment-orchestration platform for in-store, online, mobile and unattended commerce, including travel and hospitality.

Its platform connects merchants to selected processors, acquirers, payment methods and commerce systems, while Merchant Centered Acquiring is a separate referral advisory service. FreedomPay does not provide direct acquiring, a merchant account or MID on these models and does not perform merchant underwriting or merchant settlement; the selected processor or acquirer controls those responsibilities under its own agreement.

Founded 2000corporate.freedompay.comUpdated Aug 15, 2026

Selected product

FreedomPay Commerce Platform

Independent omnichannel gateway and orchestration

Gateway account & connected payment providers

Connected payment account
Not included with this product
Connected-provider approval
FreedomPay reviews access to Independent omnichannel gateway and orchestration; final approval by the merchant underwriter
Each connected payment provider sets its own account and activation requirements.

Primary legal entity

FreedomPay, Inc.

Jurisdiction: United States
Company type: Corporation

Legal entities by jurisdiction

6 legal entities across 6 jurisdictions

Australia1 entity
Canada1 entity
Ireland1 entity
Mexico1 entity
United Kingdom1 entity
United States1 entity

Operating scale

Platform country footprint: ≥75 countries
Platform continent footprint: 5 continents
Partner network: ≥1,500 payment integrators innovators and consultants
Travel integration partners: ≥1,000 integration partners
Airport footprint: >100 airports

The legal entity supplying a product can differ by product and country.

Product portfolio

FreedomPay products

Compare payment orchestration and acquiring referral advisory by account setup, approval, payment or data flow, and contract terms.

Role in this product

Payment gateway
Payment orchestration provider
Payment vault provider

An independent gateway and payment-orchestration platform connecting in-store, online, mobile and unattended channels to selected processors, acquirers, payment methods and commerce systems.

FreedomPay supplies gateway, orchestration, security, tokenization, estate-management and reporting technology. The connected processor or acquirer supplies the merchant account, underwriting, processing and settlement.

Related services: Payment orchestrationPayment routingOmnichannel paymentsPoint of saleDirect APIHosted checkoutPayment vaultRecurring billingAlternative payment methodsFraud prevention
Features: PSP and acquirer connectionsOrchestrationCheckoutOmnichannelPayment operationsClient onboardingUnderwritingPricingFraud and riskReportingReconciliationComplianceSupport

Role in this product

Acquiring referral advisor

A complimentary referral advisory service that educates merchants, evaluates an existing merchant account and payment setup, and helps the merchant explore prequalified providers without cost or obligation for the assessment.

It is not a FreedomPay acquiring or merchant-account product: the merchant selects and contracts with an external processor or acquirer, which controls underwriting, pricing, reserves, processing and settlement.

Features: Advisory assessmentExternal provider approvalAdvisory & external-provider termsAdvisory contact & provider handoff

Selected product

FreedomPay Commerce Platform

Related services: 10 capabilities
Features: 13 capabilities

Orchestration platform, provider connections & funds boundary

Who supplies the orchestration layer, which processors or acquirers connect to it, who activates live processing and who handles merchant funds.

01 · Role in this product: Payment gateway · Payment orchestration provider · Payment vault provider
02 · Orchestration platform: Not included with this product
03 · Production activation: Separate approval from the merchant's PSP or acquirer
04 · Connected-provider funds: FreedomPay does not hold merchant funds or provide merchant settlement

Checkout

FreedomPay Commerce Platform: checkout, payment data & provider connections

Review checkout ownership, payment-data handling, supported integrations and the connected providers required for live payments.

Selected product: Independent omnichannel gateway and orchestration

Included in FreedomPay Commerce Platform

Features included with this product.

Solutions: Payment orchestrationPayment routingOmnichannel paymentsPoint of saleDirect APIHosted checkoutPayment vaultRecurring billingAlternative payment methodsFraud prevention
Capabilities: PSP and acquirer connectionsOrchestrationCheckoutPayment vaultRecurring billingOmnichannelPayment operationsClient onboardingUnderwritingPricingFraud and riskReportingReconciliationComplianceSupport

Checkout, payment data & provider roles

Who operates checkout, handles payment data, authorizes payments and handles merchant funds for FreedomPay Commerce Platform.

Included

Payment gateway, PSP and acquirer connections

Integration options, connected PSPs and acquirers, tokenization, 3DS and merchant tools.

Reporting connections

Provider data → report → export & reconcile

Gateway availability: Available by agreement for a certified FreedomPay integration and supported deployment with the processor, acquirer, merchant account, payment methods, devices and commerce systems required for the merchant's configuration.

Transaction processing: No

Merchant settlement: No

Merchant funds: No

Merchant funds: Does not handle merchant funds

Merchant account: No

MID: No

Direct acquiring: No

Merchant account model: FreedomPay remains independent of the merchant's processor and acquirer. The selected connected provider supplies and underwrites the merchant account, assigns any MID, processes the transaction and settles the merchant.

01Merchant integrationIntegration options and connected payment providers
02Payment securityTokenization, authentication and transport security
03Development & operations

Gateway connections

Merchant integration, PSP and acquirer connections

Integration options

No integration option is listed

Gateway

Payment technology

Connected payment provider

Types of connected payment providers: Payment processors
Acquirers
Payment methods
POS and commerce systems
Payment integrators
Technology partners

Works with multiple PSPs and acquirers: Yes
Single integration: Yes
Pre-integrated provider connections: Yes
Separate PSP or acquirer approval required: Yes
Provider integration maintenance: Yes

Connected providers: ≥1,500 payment integrators innovators and consultants
Capabilities: Independent provider selection
Processor and acquirer connections
Single commerce platform
Payment method connections
POS ecommerce mobile and loyalty integration
Multi provider reporting
Product access: Universal ecommerce API, Hosted payment page, and Prebuilt ecommerce plugins: ≥1,500 payment integrators innovators and consultants · payment-method count not disclosed

Security controls

Tokens and payment authentication

Operations

Webhooks, Control Panel and test environment

Tools used to test an integration and manage live payments.

API-oriented: Yes
Gateway included: Yes
Merchant chooses merchant services: Yes
Onboarding included: Yes

Role in this product: Gateway

Questions to confirm

How are new PSP or acquirer connections added to Independent omnichannel gateway and orchestration?

The process and lead time for adding a new PSP or acquirer connection are not specified.

Which alternative payment methods apply to Independent omnichannel gateway and orchestration?

Alternative payment methods are not specified for Independent omnichannel gateway and orchestration.

Which connected PSP or acquirer provides the merchant account, processes transactions and sends settlement?

The connected provider depends on the merchant configuration.

Connected payment providers · Independent omnichannel gateway and orchestration

Which connected providers must approve this setup?

FreedomPay reviews access to Independent omnichannel gateway and orchestration; final approval by the merchant underwriter.

Product eligibility

Owner, director and operating-location requirements are not specified

Connected-provider approval

FreedomPay reviews access to Independent omnichannel gateway and orchestration; final approval by the merchant underwriter

Each connected PSP, acquirer or processor sets its own account and activation requirements.

Provider connection: Merchant underwriter named in the agreement
Product: Independent omnichannel gateway and orchestration

Regulated-business license: Required license type and issuing jurisdiction are not specified

01Product eligibility & acceptable use

Which businesses and provider connections can use this product?

Product eligibility and each connected provider's account requirements are separate decisions.

Eligibility requirements

Processing statements

Not specified

Confirm how many complete statement months are required

Eligibility information

FreedomPay accepts the technology client and implementation; it does not perform merchant-account underwriting. The connected processor or acquirer controls the merchant account, any MID, reserves, processing permissions and settlement.

Platform account decision

FreedomPay technology acceptance or advisory participation does not approve a merchant account. Product, region, integration, connected-provider certification and contract determine availability.

PSP and acquirer connection requirements

The selected processor or acquirer separately approves and onboards the merchant account, supplies any MID and controls reserves, processing permissions and settlement.

Approval, an agreement or credentials may be required for the PSP or acquirer selected for the payment setup; the exact requirements are not specified.

Account review to activation

Manual account review

Platform account review timing and criteria are not specified.

Restricted activity

Business restrictions

Product · MCC · jurisdiction · sales practice

Product, MCC, sales-practice and jurisdiction restrictions are not specified for this product.

02Product & provider setup

What is needed to activate the product and its provider connections?

Company information, commercial terms, integration details and the credentials or approvals required by each connected provider.

Product & provider setup

Open product account → connect providers → obtain provider approval → test → activate

The product and every required provider connection must be active before live use.

Platform account documents

Documents to prepare

01Business and deployment information
02Connected processor or acquirer details
03Integration and device requirements
04Current merchant account and payment solution information for advisory review

Platform account setup

01
Define channels, sites, commerce systems, devices and connected payment providers.
02
Complete the selected API, plugin, point-of-sale or specialized integration.
03
Configure processors, acquirers, payment methods, security and reporting.
04
Review documentation and test cases with the integration team.
05
Complete production handoff and deployment.

Product & provider requirements

Account and provider-connection checks

Application and activation requirements.

Website requirements

Required website pages, disclosures and policies are not specified

Account review requirements

Company, ownership, sanctions, license and integration requirements are not specified

Account setup tasks

The onboarding tasks performed by the provider are not specified

Before applying

Application requirements to confirm

Company eligibility, connected-provider requirements, credentials and activation timing are not fully specified.

Approval & restrictions

Who reviews the business and which products, jurisdictions or MCCs are excluded.

01
Which payment provider will make the final approval decision?
Final approval by the merchant underwriter; the specific legal entity is set in the merchant agreement.
02
What trading-history, credit, volume, ticket-size, guarantee and chargeback requirements apply to this account?
These approval requirements are not specified.
03
Which products, MCCs, sales practices and jurisdictions are prohibited for this product?
Product-specific restrictions on products, MCCs, sales practices and jurisdictions are not specified.

Underwriting process & approval time

Decision criteria, manual review, when review starts or pauses, and decision timing.

04
How long does final approval take after the complete merchant application is submitted?
Final approval timing is not specified.
05
When does the platform account review begin, and what happens when information needs correction?
Platform account review timing is not specified.
06
Which criteria does the underwriter use for manual approval, referral or decline?
The manual underwriting criteria are not specified.

Connected payment providers · Merchant Centered Acquiring referral advisory

Which connected providers must approve this setup?

FreedomPay evaluates the current setup and makes referrals; the merchant selects an external processor or acquirer, which makes the merchant-account decision.

Product eligibility

Owner, director and operating-location requirements are not specified

Connected-provider approval

FreedomPay evaluates the current setup; the selected external processor or acquirer makes the merchant-account decision

Each connected PSP, acquirer or processor sets its own account and activation requirements.

Provider connection: External processor or acquirer selected by the merchant
Product: Merchant Centered Acquiring referral advisory

Regulated-business license: Required license type and issuing jurisdiction are not specified

01Product eligibility & acceptable use

Which businesses and provider connections can use this product?

Product eligibility and each connected provider's account requirements are separate decisions.

Eligibility requirements

Eligibility information

The advisory assessment is not a credit or merchant-account decision. Any referred processor or acquirer applies its own underwriting, pricing, reserve and settlement requirements.

PSP and acquirer connection requirements

The selected processor or acquirer separately approves and onboards the merchant account, supplies any MID and controls reserves, processing permissions and settlement.

Approval, an agreement or credentials may be required for the PSP or acquirer selected for the payment setup; the exact requirements are not specified.

Restricted activity

Business restrictions

Product · MCC · jurisdiction · sales practice

Product, MCC, sales-practice and jurisdiction restrictions are not specified for this product.

02Product & provider setup

What is needed to activate the product and its provider connections?

Company information, commercial terms, integration details and the credentials or approvals required by each connected provider.

Product & provider setup

Open product account → connect providers → obtain provider approval → test → activate

The product and every required provider connection must be active before live use.

Advisory review inputs

Documents to prepare

01Current merchant account and payment solution information

Advisory process

01
Review the merchant's current merchant account and payment solution.
02
Explain payment terminology, structure and areas for improvement.
03
Explore prequalified external providers with the merchant.
04
The merchant selects and contracts with any resulting processor or acquirer.

Product & provider requirements

Account and provider-connection checks

Application and activation requirements.

Website information

Handled by the payment provider

Website requirements are set by any external provider selected after the advisory

The advisory review does not itself approve a merchant account.

Evaluation criteria

Evaluation criteria beyond the documented current-setup review are not specified

Advisory outcome

Evaluation, education and introductions; the merchant makes the provider selection

Any resulting merchant account is governed by the merchant's direct agreement with the selected external processor or acquirer.

Before applying

Application requirements to confirm

Company eligibility, connected-provider requirements, credentials and activation timing are not fully specified.

Approval & restrictions

Who reviews the business and which products, jurisdictions or MCCs are excluded.

01
Which parts of the current merchant-account and payment setup will FreedomPay evaluate, and what written output will the merchant receive?
The advisory scope and deliverables beyond the documented assessment steps are not specified.
02
Which external processors or acquirers may be referred, how are they shortlisted, and how is FreedomPay compensated for a referral?
The referral panel, selection criteria, compensation and potential conflicts are not specified.
03
Which external provider will the merchant select and contract with for the merchant account, MID, underwriting, processing, reserves and settlement?
Those responsibilities and terms belong to the merchant's separate agreement with the selected external processor or acquirer.

Payment methods & countries · Independent omnichannel gateway and orchestration

Which countries and payment methods are available for this gateway or orchestration setup?

Connected payment providers determine payment-method, country and currency coverage for this configuration.

Selected product

Independent omnichannel gateway and orchestration

Gateway and payment-provider configuration

Selected product

Client company

Eligible client countries are not specified

Business availability and connected-service coverage are separate requirements.

Payment connection capabilities

Independent provider selection
Processor and acquirer connections
Single commerce platform
Payment method connections
POS ecommerce mobile and loyalty integration
Multi provider reporting

Availability depends on

Connected provider
Business country
Payment method
Currency

FreedomPay connects to payment providers, and the merchant must obtain approval from the PSP or acquirer used for the setup. Configuration-specific payment methods, countries and currencies are not specified.

01Selected product

Independent omnichannel gateway and orchestration capabilities and connections

These capabilities belong to the selected product. Connected-provider and regional availability is set during configuration.

Product capabilities

Connected provider types

Payment processors
Acquirers
Payment methods
POS and commerce systems
Payment integrators
Technology partners

Connected payment providers

≥1,500 payment integrators innovators and consultants

The number available to one merchant depends on the product, jurisdiction and agreement.

Types of connected payment providers

Payment processors, Acquirers, Payment methods, POS and commerce systems, Payment integrators, and Technology partners

The specific connected providers, their commercial terms, approval responsibility and country coverage depend on the merchant configuration.

Connected payment provider

02Countries & availability

Where can the client be based, which PSP or acquirer serves each target market, and where can customers pay?

Client eligibility, merchant-account approval, acquiring coverage and customer-country availability are separate parts of the payment setup.

Country coverage

Client, connected-provider, customer and product countries

01
Client location
Where can the company using the technology be registered?
Eligible client countries are not specified
This is where the business is registered; it does not determine acquiring-country or customer-country availability.
Client and merchant-account eligibility
02
Acquiring countries
Where is merchant acquiring available?
Not specified for this configuration
The PSP or acquirer providing the merchant account, acquiring and settlement for Independent omnichannel gateway and orchestration is not specified.
Connected payment provider
03
Customer location
Where can customers pay from?
Customer-country coverage is not specified for this configuration
Customer-country coverage depends on the connected PSP or acquirer, payment method and currency. The exact country list is not specified for this product.
Connected payment provider

Countries and payment methods

Countries and payment methods to confirm

Which gateways, PSPs, processors and acquirers are available for each business country, payment method and currency?
Payment methods, countries and currencies depend on the connected provider accounts and the merchant configuration.
Which connected providers require a separate agreement, approval or production credentials?
Commercial and account requirements differ by connected provider.

Payment methods & countries · Merchant Centered Acquiring referral advisory

Which countries and payment methods are available for this gateway or orchestration setup?

FreedomPay evaluates the current setup and may refer external processors or acquirers; the merchant selects and contracts with the provider that defines account and market coverage.

Selected product

Merchant Centered Acquiring referral advisory

Referral scope & external provider coverage

Selected product

Client company

Handled by the payment provider

Set by the external processor or acquirer selected by the merchant

Business availability and connected-service coverage are separate requirements.

External provider coverage

Handled by the payment provider

Defined by the external processor or acquirer selected by the merchant

Payment methods and currencies are not supplied by the advisory itself.

Availability depends on

Merchant profile
Business country
Target market
Payment method
Currency

FreedomPay evaluates the merchant's current setup and may refer external processors or acquirers. The merchant selects and contracts with any referred provider; that provider sets merchant eligibility, countries, payment methods, currencies, underwriting and account terms.

01Selected product

Merchant Centered Acquiring referral advisory capabilities and connections

These capabilities belong to the selected product. Connected-provider and regional availability is set during configuration.

Connected payment providers

Connected payment providers are not identified for this product.

Connected payment provider

02Countries & availability

Where can the client be based, which PSP or acquirer serves each target market, and where can customers pay?

Client eligibility, merchant-account approval, acquiring coverage and customer-country availability are separate parts of the payment setup.

Country coverage

Client, connected-provider, customer and product countries

01
Client location
Where can the company using the technology be registered?
Handled by the payment provider
Set by the external processor or acquirer selected by the merchant
This is where the business is registered; it does not determine acquiring-country or customer-country availability.
Client and merchant-account eligibility
02
Acquiring countries
Where is merchant acquiring available?
Handled by the payment provider
Set by the external processor or acquirer selected by the merchant
The advisory does not provide acquiring. Country coverage belongs to the merchant's direct agreement with the selected external provider.
Connected payment provider
03
Customer location
Where can customers pay from?
Handled by the payment provider
Set by the external processor or acquirer selected by the merchant
Customer countries, payment methods and currencies depend on the external provider and account terms selected by the merchant.
Connected payment provider

Countries and payment methods

Countries and payment methods to confirm

Which external processors or acquirers can be evaluated for the merchant's business, target countries, payment methods and currencies?
The referral panel and each external provider's market coverage are not specified.
Which external provider will set merchant eligibility, underwriting, account, MID and country-coverage terms after the merchant makes its selection?
Those terms depend on the external processor or acquirer selected and contracted by the merchant.

Pricing & funds · Independent omnichannel gateway and orchestration

What does Independent omnichannel gateway and orchestration cost, and which related charges are governed by another agreement?

Checkout price, billable usage, contract term and additional costs

Pricing

Checkout price, billable usage, contract term and additional costs

Pricing method

Not publicly disclosed

01Commercial terms

What makes up the quoted price?

Review the pricing plan, pricing model, fees and contract duration.

Pricing model

Not publicly disclosed

Public rates

No public rate card

Other fee amounts

Not specified

Monthly fee: Amount not specified
Setup fee: Amount not specified
Application fee: Amount not specified
Annual fee: Amount not specified
Gateway fee: Amount not specified
PCI fee: Amount not specified
Daily batch fee: Amount not specified
Early termination fee: Amount not specified
Monthly minimum: Amount not specified

These fee amounts are not specified.

02Billing basis

Which usage units determine the recurring bill?

The usage units that determine the recurring bill.

Usage drivers

Not specified

Transaction volume, payment methods, provider connections and optional checkout components

The quantities, included allowances and overage rates are not specified.

03Contract & additional costs

How is the product invoiced, and which costs sit outside the base price?

Contract length, billing cycle, invoice currency, minimum spend and renewal terms. Implementation, optional-service, third-party and support charges outside the base price.

Invoice terms and costs outside the base price

Contract terms and additional charges

Contract, invoice and additional-cost terms define the software subscription and its bill.

01 · Contract & invoicing

Contract & invoicing

Contract length, billing cycle, invoice currency, minimum spend and renewal terms.

Contract terms: Contract length, billing cycle, minimum spend and renewal terms are not specified

02 · Additional costs

Additional costs

Implementation, optional-service, third-party and support charges outside the base price.

Costs to include in the quote Not specified: Connected PSP or gateway charges, tokenization, mobile SDK and support costs

Pricing & contract terms

Terms to confirm in the agreement

Price

What amounts apply to the monthly fee, setup fee, application fee, annual fee, gateway fee, PCI fee, daily batch fee, early-termination fee, and monthly minimum?
These fees have no stated amount or waiver.
What initial term, renewal rule, cancellation notice, billing cycle and invoice currency apply?
The contract and invoicing terms are not specified.

Other terms

How is checkout priced, which usage units are included and what are the overage rates?
Unit prices, included allowances and overage rates are not specified.
How will checkout volume, connected providers, environments and support level change the monthly bill?
The billable units and pricing tiers needed for a cost forecast are not specified.
Which connected PSP or gateway charges, tokenization, mobile SDK and support costs are billed separately?
Additional product and third-party charges are not specified.

Pricing & funds · Merchant Centered Acquiring referral advisory

What does Merchant Centered Acquiring referral advisory cost, and which related charges are governed by another agreement?

Merchant Centered Acquiring referral advisory is a complimentary assessment; external merchant-services terms remain in the merchant's direct provider agreement

Pricing

Complimentary assessment with no advisory fee or obligation

FreedomPay publishes Merchant Centered Acquiring referral advisory as a complimentary assessment. Any later merchant-services pricing, reserves and settlement terms belong to the merchant's direct agreement with its selected external processor or acquirer.

Pricing method

Complimentary

01Commercial terms

What makes up the quoted price?

Review the pricing plan, pricing model, fees and contract duration.

01 · Pricing plan
- Merchant Centered Acquiring complimentary assessment

02Reserve holder

Which entity can establish or hold a reserve?

The reserve holder, amount and release conditions are not specified.

Reserve holder

The entity holding the reserve is not specified

Reserve responsibility

Assigned outside this product

FreedomPay does not set or hold a merchant reserve for this advisory

Any reserve amount, hold period and release terms belong to the merchant's direct agreement with the selected external provider.

03Merchant settlement

Which provider settles merchant funds?

The merchant settlement provider and terms are not specified unless listed below. Customer or third-party payouts are a separate service and may use another provider.

Merchant settlement

Sale proceeds and settlement responsibility

Settlement makes processed sale proceeds available to the merchant.

Processing & settlement responsibility Assigned outside this product: FreedomPay does not process transactions or settle merchant funds for this advisory
The merchant selects and contracts with the external provider that supplies the account and MID, performs underwriting and processing, controls any reserve and provides settlement.

Pricing & settlement terms

Terms to confirm in the agreement

Price

Which merchant-services pricing, reserve, processing and settlement terms will the merchant sign directly with the selected external provider?
Those terms are set in the merchant's separate agreement with the selected processor or acquirer.

Other terms

Does FreedomPay receive compensation from any referred processor or acquirer, and how are conflicts disclosed?
Referral compensation and potential conflicts are not specified.

Payment lifecycle · Independent omnichannel gateway and orchestration

How do checkout, payment processing, settlement and reconciliation work?

Sales channels, gateway, virtual terminal, recurring billing and equipment

Payment lifecycle

Checkout → authorization → settlement → reconciliation

The selected product determines the integration, transaction controls, payment processing, merchant settlement and reporting.

Selected product

Independent omnichannel gateway and orchestration

Integration, processing, merchant settlement and reporting for this product.

Sales channels
In store fixed · In store mobile
Gateway & virtual terminal
FreedomPay connects payment channels and commerce systems to the merchant's selected processors and acquirers through one independent gateway platform.
Account, processor & equipment responsibilities
Gateway · FreedomPay · Payment orchestrator · FreedomPay
Terminals & equipment
Fixed · Mobile

Sales channels

Choose the integration option and who controls the payment page

Where the approved merchant account can accept payments.

Available channels

In store fixed
In store mobile
Online
Consumer mobile
In app
Unattended
Self service kiosk

Gateway & virtual terminal

Gateway integration, security and transaction tools

The gateway and virtual-terminal options matched to the approved processor and account.

Selected setup

Gateway entry point

How requests enter this product and which integration boundary applies.

Integration model

FreedomPay connects payment channels and commerce systems to the merchant's selected processors and acquirers through one independent gateway platform.

Gateway & virtual terminal

Tokenization, 3-D Secure, webhooks and transaction controls

Gateway

Gateway options

Not specified

Gateway and virtual-terminal options are not specified

Recurring, MOTO & ACH

From customer consent to scheduled payments and retries

Stored-credential consent, payment scheduling and retry rules apply to each recurring-payment setup.

Other recurring-payment terms

Additional payment functions

Not specified

Recurring, MOTO and ACH availability is not specified

Account, processor & equipment responsibilities

Who processes transactions, settles merchant funds and controls authorization and capture?

The selected gateway, processor, merchant account and terminal setup must be compatible.

Account, processor & equipment responsibilities

Gateway · FreedomPay
Payment orchestrator · FreedomPay
Payment vault provider · FreedomPay
Merchant account provider · Connected provider
Merchant underwriting · Connected provider
Payment processor · Connected provider
Acquirer · Connected provider
Merchant settlement · Connected provider

Available controls

The selected gateway, processor, merchant account and terminal setup must be compatible.

01
How the setup is selected
Which gateway, processor, merchant account and terminal setup work together?
How the setup is selected
FreedomPay connects payment channels and commerce systems to the merchant's selected processors and acquirers through one independent gateway platform.

Terminals & equipment

Which terminals and equipment services are available?

Countertop, mobile and POS equipment available for this product.

Terminal & equipment details

Terminal models and equipment services for this product.

Terminal options

Fixed
Mobile
Unattended
Multiple device manufacturers
Plug and play terminals
Hot swappable terminals

Equipment services

Device status and location
Remote configuration
Firmware updates
Mass device audits
Deployment and usage reporting

Before integration

Integration details not specified

01
Which gateway, virtual terminal, terminal models and equipment services are included with this product?
The included gateway and equipment package is not specified.
02
What purchase, lease, shipping, replacement, reprogramming, gateway and virtual-terminal charges apply?
The complete gateway and equipment fee schedule is not specified.
03
Which party receives card data in each channel, and which PCI DSS validation applies to the approved setup?
Channel-specific card-data handling and PCI DSS scope are not specified.

Payment lifecycle · Merchant Centered Acquiring referral advisory

How do checkout, payment processing, settlement and reconciliation work?

Merchant Centered Acquiring referral advisory evaluates the current setup, supports provider comparison and hands the merchant off to its selected external processor or acquirer

Payment lifecycle

Checkout → authorization → settlement → reconciliation

The selected product determines the integration, transaction controls, payment processing, merchant settlement and reporting.

Selected product

Merchant Centered Acquiring referral advisory

Integration, processing, merchant settlement and reporting for this product.

Current setup evaluation
Current merchant account and payment solution
Provider shortlist & referral
FreedomPay evaluates and refers; it does not acquire or underwrite the merchant
Responsibility boundary
Owned by the external processor or acquirer selected and contracted by the merchant
Assigned outside this product
Advisory output & provider handoff
External provider onboarding starts only after merchant selection
Assigned outside this product

Current setup evaluation

Choose the integration option and who controls the payment page

Review of the merchant's current merchant account, payment structure and areas for improvement.

Evaluation scope

Current merchant account and payment solution

FreedomPay evaluates the existing setup and explains payment terminology and structural options.

Provider shortlist & referral

Gateway integration, security and transaction tools

Introductions to external processors or acquirers that may fit the merchant's requirements.

Selected setup

Gateway entry point

How requests enter this product and which integration boundary applies.

Provider shortlist & referral details are not specified.

Provider shortlist & referral

Tokenization, 3-D Secure, webhooks and transaction controls

Gateway

Advisor role

The referral does not approve a merchant account or bind the merchant to a provider.

FreedomPay evaluates and refers; it does not acquire or underwrite the merchant

Merchant selection & direct contract

From customer consent to scheduled payments and retries

Stored-credential consent, payment scheduling and retry rules apply to each recurring-payment setup.

Other recurring-payment terms

Selection responsibility

The merchant selects and contracts with the external processor or acquirer

The selected provider's own approval, pricing and agreement apply.

Responsibility boundary

Who processes transactions, settles merchant funds and controls authorization and capture?

The advisor's responsibility compared with the external provider's financial and operating responsibilities.

Responsibility boundary

Owned by the external processor or acquirer selected and contracted by the merchant

Assigned outside this product

FreedomPay performs the evaluation and referral only; it does not perform those external-provider responsibilities for this advisory.

Advisory output & provider handoff

What reports and reconciliation tools are available?

The evaluation, recommendation record and handoff to the merchant's selected provider.

Additional operational terms

Additional reporting and operations terms for this product.

Handoff boundary

Assigned outside this product

External provider onboarding starts only after merchant selection

The external processor or acquirer separately approves and onboards the merchant account.

Before integration

Integration details not specified

01
What evaluation, comparison and written recommendation will FreedomPay deliver?
The advisory deliverables and decision criteria are not fully specified.
02
Which external processors or acquirers may be included in the shortlist, and how are they evaluated?
The referral panel and comparison method are not specified.
03
After merchant selection, who owns the application, approval, account and MID setup, processing, reserves, settlement and ongoing support?
Those responsibilities must be confirmed in the merchant's direct agreement with the selected external provider.

Checkout, credentials & support

FreedomPay Commerce Platform: risk, licenses & support

Checkout integration, payment-provider connections, tokenization, data handling, contracting entity and support.

FreedomPay Commerce PlatformService: Independent omnichannel gateway and orchestration

01 / Checkout & data continuity

What happens when checkout or a connected provider fails?

Timeout handling, fallback behavior, duplicate-payment protection, payment-data retention, deletion and portability.

Checkout & data continuity

FreedomPay provides checkout and payment-provider connections

Connected gateways, processors and acquirers authorize transactions and handle merchant funds. The Independent omnichannel gateway and orchestration agreement controls the checkout integration, stored credentials and provider connectivity.

Role in this product: Payment gateway · Payment orchestration provider · Payment vault provider
Connected providers & merchant funds: FreedomPay does not hold merchant funds or provide merchant settlementThe funds holder and merchant settlement provider are not specified.

Checkout outages & data continuity

How are failed checkouts and stored credentials handled?

Timeouts, fallback behavior, duplicate-payment protection, data retention, deletion and export terms belong in the agreement.

What happens when checkout or a connected payment provider is unavailable or returns an uncertain result?
Which payment fields are collected, stored or passed to connected providers, and how can stored credentials be exported or deleted?

Fraud, authentication & chargebacks

Fraud screening, 3-D Secure and chargeback handling

Fraud screening is available. Responsibility for chargebacks, refunds, fraud losses and negative balances is not specified. The agreement must also state who can suspend processing or hold settlement funds.

01
Before authorization
Fraud screening

BEFORE AUTHORIZATION

Fraud screening

Which fraud rules can block or flag a transaction for review?

Capabilities: Global fraud management3-D SecureStrong Customer Authentication (SCA)PCI validated point to point encryptionGateway tokenizationNetwork tokenizationChargeback management
Cardholder checks: 3-D SecureStrong Customer Authentication (SCA)
Screening · Scope: Fraud controls are part of the gateway configuration; exact rules, thresholds, review workflows and liability allocation are not publicly disclosed.

Before signingCheckout outage, fallback, payment-data retention, deletion and portability terms2 items to confirmReview contract terms

02 / Legal entity, license & registration

Which legal entity provides the payment gateway and any regulated payment services?

The entity providing the technology may or may not also provide regulated payment services. That relationship is not specified for this product.

For this product

Contracting entity and payment services authorization

Payment gateway. The contracting legal entity for FreedomPay Commerce Platform is not specified. Any legal entity providing regulated payment services is not specified. The applicable license or registration is not specified.

Whether the same or different legal entities provide the technology and any regulated payment services is not specified.

01 · Contracting entity
Not specified for this product
02 · Payment services legal entity
Not specified for this product
03 · License or registration
Not specified for this product

Company legal entities, licenses & registrations

Company registrations and payment-services licenses do not identify the contracting entity for every product.

0 entities · license or registration not specified

Security & regulatory information

These certifications, safeguarding arrangements and cross-border permissions apply to named company entities or to the company generally. Which ones apply to Independent omnichannel gateway and orchestration is not specified.

Security standards

Certifications and assessments

PCI validated point to point encryption

Security controls

Privacy and security controls

Security controls: PCI validated point to point encryptionEMVContactlessGateway tokenizationNetwork tokenization3-D SecureDevice estate monitoring

Before signingContracting entity, payment services license and legal terms3 items to confirmReview contract terms

03 / Support

How can merchants reach support?

Company support hours and contact channels are available. It is not specified which ones cover Independent omnichannel gateway and orchestration and checkout, tokenization or provider-connection failures. First-response and resolution targets are also not specified.

Support contacts

Company support hours and contacts

The contacts that cover this product and checkout, tokenization or provider-connection failures are not specified.

Gateway

24/7

Gateway support

corporate.freedompay.com/contact-us

Other company contacts

Support hours are not specified for these contacts.

Sales

corporate.freedompay.com/contact-us

Before signingSupport contacts, hours and response times3 items to confirmReview contract terms

Acquiring advisory, conflicts & handoff

Merchant Centered Acquiring advisory: scope, conflicts & handoff

Evaluation and referral scope, compensation and conflicts, advisory contracting entity, external-provider agreement and support handoff.

Merchant Centered Acquiring advisoryService: Merchant Centered Acquiring referral advisory

01 / Advisory scope & provider handoff

What does the advisory cover, and where do the external provider's responsibilities begin?

Evaluation criteria, referral scope, merchant selection, compensation and conflicts, and the handoff to the external processor or acquirer.

Advisory scope & handoff

Acquiring evaluation & referral

FreedomPay evaluates the current setup and may refer external processors or acquirers. The merchant selects and contracts with the external provider that owns the merchant account, MID, underwriting, processing, reserves and settlement.

Role in this product: Acquiring referral advisor
Advisory & external-provider responsibilities: Acquiring evaluation & referralFreedomPay evaluates the current setup and may refer external processors or acquirers. The merchant selects and contracts with the external provider that owns the merchant account, MID, underwriting, processing, reserves and settlement.

Advisory handoff & provider continuity

Who owns the account and operating relationship after the referral?

The advisory agreement should define its deliverables and support boundary; the selected provider's separate agreement governs the account, underwriting, processing, reserves and settlement.

What evaluation, comparison and written recommendation are included in the advisory?
How are referred processors or acquirers selected, and how are referral compensation and conflicts disclosed?

Before signingAdvisory scope, compensation, conflicts, referral and support-handoff terms3 items to confirmReview contract terms

02 / Advisory entity & external provider

Which legal entity signs the advisory agreement, and which external provider agreement applies?

The advisory agreement should state the evaluation and referral scope, compensation and conflicts. The selected processor or acquirer's separate agreement should identify the merchant-account, underwriting, processing, reserve and settlement responsibilities.

For this product

Advisory entity and external provider agreement

Acquiring referral advisor. The legal entity signing the advisory agreement for Merchant Centered Acquiring advisory is not specified. That agreement should define evaluation and referral deliverables, compensation and conflicts, while the merchant's separate agreement with the selected processor or acquirer identifies the entity responsible for the merchant account, MID, underwriting, processing, reserves and settlement.

An advisory referral is not a merchant-account or acquiring agreement. Compensation, conflicts and the handoff to the external provider should be stated before the merchant signs either agreement.

01 · Advisory contracting entity
Not specified for this product
02 · Advisory scope & compensation
Evaluation, referral, fees and conflicts to confirm
03 · External provider agreement
Merchant account, underwriting, processing, reserves and settlement

Company legal entities, licenses & registrations

Company registrations and payment-services licenses do not identify the contracting entity for every product.

0 entities · license or registration not specified

Before signingContracting entity, payment services license and legal terms2 items to confirmReview contract terms

03 / Support

How can merchants reach support?

Company support hours and contact channels are available. It is not specified which ones cover Merchant Centered Acquiring referral advisory and advisory-scope, referral, compensation, conflict-disclosure or external-provider handoff issues. First-response and resolution targets are also not specified.

Support contacts

Company support hours and contacts

The contacts that cover this product and advisory-scope, referral, compensation, conflict-disclosure or external-provider handoff issues are not specified.

Company contacts

Support hours are not specified for these contacts.

Sales

corporate.freedompay.com/contact-us

Before signingAdvisory, referral and external-provider handoff support2 items to confirmReview contract terms

Independent omnichannel gateway and orchestration / Before signing

What should the technology services agreement include?

Confirm product scope, software pricing, connected-provider responsibilities, data handling, service levels, support and termination.

Before signing

Independent omnichannel gateway and orchestration: terms to confirm

Confirm the product scope, connected-provider responsibilities, pricing, data handling, service levels and exit terms.

Product, usage & pricing

Included features, environments, usage allowances, overage rates, third-party costs and contract term

Data, service levels & exit

Data handling, security, uptime, recovery, support, suspension, portability and termination

Contract checklist

Terms to review by topic

Jump to the underlying product details

01Availability, security & continuityService levels, incident handling, data access, suspension and post-termination continuity.
02Contracting entity & service responsibilitiesTechnology contract, data roles, connected-provider agreements and any regulated service involved.
03Technical supportSupport contacts, hours, severity levels, response targets and escalation.

Technology services agreement

Product terms to confirm

Review software pricing, integration scope, connected-provider responsibilities, data handling, service levels, support and termination.

Availability, security & continuityService levels, incident handling, data access, suspension and post-termination continuity.

What happens when checkout or a connected payment provider is unavailable or returns an uncertain result?
Timeout handling, retry limits, fallback behavior and duplicate-payment protection are not specified.
Which payment fields are collected, stored or passed to connected providers, and how can stored credentials be exported or deleted?
Payment-data handling, retention, deletion and portability terms are not specified.

Contracting entity & service responsibilitiesTechnology contract, data roles, connected-provider agreements and any regulated service involved.

Which legal entity will sign the agreement for this product?
The contracting legal entity is not specified for this product.
Which privacy framework, controller roles and data-transfer terms apply to this product?
The privacy framework, controller roles and data-transfer terms are not specified for this product.
Who receives security incidents, and what notification window applies?
The security incident contact and notification deadline are not specified.

Technical supportSupport contacts, hours, severity levels, response targets and escalation.

What first-response, update and resolution targets apply by incident severity?
First-response and resolution targets are not specified.
Who handles checkout failures, token errors, provider-connection outages and duplicate-payment risks?
No escalation contact or process is specified for checkout and provider-connection incidents.
Which support hours and contact channels cover Independent omnichannel gateway and orchestration, and where should a business report checkout, tokenization or provider-connection failures?
The support scope for Independent omnichannel gateway and orchestration and the contacts for checkout and provider-connection issues are not specified.

Product summary

What this product already includes

What this technology product includes, which configuration restrictions apply and which service terms are not specified.

Included capabilities

Capabilities included with Independent omnichannel gateway and orchestration.

Independent processor and acquirer choice, Omnichannel payment orchestration, Processor and payment method optionality, Least cost routing, Offline transaction continuity, Payment security orchestration, Loyalty and customer data connections, Processor routing, Acquirer routing, Payment method routing, and Channel routing
Payment gateway technology

Product restrictions and conditions

Acceptable use, supported connections, configuration limits, data conditions and account restrictions.

Connected-provider requirements, operating limits, event coverage and service levels depend on the selected configuration.

Terms to confirm

Pricing, integration, data, service-level, support and termination terms to include in the technology agreement.

Unit prices, usage allowances, overage rates, contract length, minimum spend and renewal terms are not specified.

Merchant Centered Acquiring referral advisory / Before signing

What should the acquiring advisory agreement include?

Confirm the advisory scope and deliverables, fees, referral compensation, conflicts, merchant selection, external-provider agreement, support handoff and termination.

Before signing

Merchant Centered Acquiring referral advisory: terms to confirm

Confirm what the advisor evaluates and delivers, how it is compensated, which conflicts are disclosed, and where the selected processor or acquirer's separate agreement begins.

Scope, deliverables & compensation

Evaluation criteria, written recommendations, referral panel, advisory fees, provider-paid compensation, expenses and conflict disclosures

Selection, external agreement & handoff

Merchant selection, introductions, external-provider contract, account and underwriting ownership, operational support and termination

Contract checklist

Terms to review by topic

Jump to the underlying product details

01Responsibility boundariesWhere advisory responsibilities end and external account, underwriting, processing, reserve and settlement responsibilities begin.
02Advisory entity & external agreementAdvisory contracting entity, referral terms, compensation and conflicts, plus the selected provider's separate merchant agreement.
03Advisory support & provider handoffContacts, response expectations, escalation and the support boundary after the merchant selects an external provider.

Acquiring advisory agreement

Evaluation, referral and handoff terms to confirm

Review the evaluation and referral scope, deliverables, advisory fees, provider-paid compensation, conflicts, merchant selection, external-provider agreement and support handoff.

Responsibility boundariesWhere advisory responsibilities end and external account, underwriting, processing, reserve and settlement responsibilities begin.

How are referred processors or acquirers selected, and how are referral compensation and conflicts disclosed?
The referral panel, selection method, compensation and potential conflicts are not specified.
Which external provider will own underwriting, chargebacks, reserves, processing and settlement after merchant selection?
Those responsibilities belong to the merchant's separate agreement with the selected external provider.
What evaluation, comparison and written recommendation are included in the advisory?
The advisory deliverables are not fully specified.

Advisory entity & external agreementAdvisory contracting entity, referral terms, compensation and conflicts, plus the selected provider's separate merchant agreement.

Which legal entity signs the advisory agreement, and which separate external-provider entity will contract with the merchant?
The advisory contracting entity and any later external-provider contracting entity must be distinguished.
What merchant information may be shared with referred providers, under which privacy roles and consent terms?
Data-sharing responsibilities for the referral process are not specified.

Advisory support & provider handoffContacts, response expectations, escalation and the support boundary after the merchant selects an external provider.

After merchant selection, where does advisory support end and the external provider's account and operating support begin?
The handoff and ongoing support split are not specified.
Which contact, support hours and response targets apply to the evaluation and referral engagement?
Advisory support hours and response targets are not specified.

Product summary

What this product already includes

What the evaluation and referral advisory includes, where its responsibility ends, and which terms remain for the selected external processor or acquirer agreement.

Included capabilities

Capabilities included with Merchant Centered Acquiring referral advisory.

Evaluation & referral advisory
FreedomPay evaluates the merchant's current setup and may introduce external processors or acquirers.
Merchant selects and contracts the external provider
Merchant account, MID, underwriting, processing, reserves and settlement
Complimentary; no advisory fee or obligation

Advisory and referral conditions

Evaluation criteria, referral panel, merchant responsibilities, information sharing, independence limits and handoff conditions.

Deliverables, referral compensation, conflicts, handoff obligations and any continuing terms are not fully specified.
The selected provider's approval, pricing, reserve, processing and settlement terms require a separate acquiring advisory agreement.

FreedomPay, Inc.

6 legal entities across 6 jurisdictions

FreedomPay Commerce Platform

Merchant Centered Acquiring advisory

Which transaction, usage and billing data can finance and operations reconcile?

Stored payment details, schedules and retries

Online and in-person payment controls

Owner, director and operating-location requirements are not specified

Documents to prepare

Platform account setup

Owner, director and operating-location requirements are not specified

Documents to prepare

Advisory process

Client location

Acquiring countries

Customer location

Client location

Acquiring countries

Customer location

Gateway entry point

Integration model

Tokenization, 3-D Secure, webhooks and transaction controls

Gateway options

Additional payment functions

Terminal options

Equipment services

Gateway entry point

Tokenization, 3-D Secure, webhooks and transaction controls

Advisor role

Selection responsibility

Handoff boundary

FreedomPay provides checkout and payment-provider connections

How are failed checkouts and stored credentials handled?

Security standards

Security controls

Company support hours and contacts

Acquiring evaluation & referral

Who owns the account and operating relationship after the referral?

Company support hours and contacts

Terms to review by topic

Included capabilities

Product restrictions and conditions

Terms to confirm