Skip to main content
HighRiskPaymentProvider.comPayment provider reviews
European card acquiring

Company overview

About Paysafe

What the company provides

  • Acquirer
  • Processor
  • Gateway
  • Merchant account provider
  • Payment method
  • Digital wallet
  • Payouts
  • ISO / MSP

Merchant accounts, gateway access, transaction processing and funds handling depend on the selected product.

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.

Founded 1996paysafe.comUpdated Jul 30, 2026

Selected product

European card acquiring

Merchant account & underwriting

  1. Merchant account

    Included: Paysafe

  2. Merchant account approval

    Approval terms not specified

    European card acquiring does not identify the legal entity responsible for merchant-account approval.

Primary legal entity

Jurisdiction
Bermuda
Incorporated
Nov 23, 2020
Company type
Bermuda exempted limited company

Legal entities by jurisdiction

9 legal entities across 5 jurisdictions

  • United Kingdom3 entities
  • Ireland2 entities
  • United States2 entities
  • Bermuda1 entity
  • Canada1 entity

Operating scale

Annualized transaction volume 2025
≈167,000,000,000 USD
Ways to pay
≥260 payment methods
Employees
≈2,800 employees

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

Partner programs

ISO, ISV, and PayFac

Products and services available through each program differ.

  1. ISO

    Independent sales organization

  2. ISV

    Independent software vendor

  3. PayFac

    Payment facilitator

Product portfolio

Paysafe products

Compare merchant acquiring and card processing, merchant-account placement, digital wallets, payment methods, and payment acceptance by account setup, approval, payment or data flow, and contract terms.

European card acquiring

Role in this product

  • Acquirer
  • Payment processor
  • Payment gateway

Paysafe supplies card acquiring, transaction processing, gateway access and merchant-account services in Europe.

The contracting entity, acquiring countries, MID, settlement terms and reserve terms are assigned in the merchant agreement.

Related services
Global acquiringMerchant accountsDirect APIHosted checkoutEmbedded payment fieldsRecurring billingFraud prevention
Features
AcquiringMerchant accountGatewayCheckoutPayment operationsReportingFraud and riskPricingSupportCompliance

North American merchant processing

Role in this product

  • Payment processor
  • ISO / MSP
  • Payment gateway

Paysafe provides merchant processing and gateway services in North America through registered ISO and ISO/MSP entities and named sponsor-bank relationships.

The merchant agreement identifies the acquiring bank, MID, funding schedule and commercial terms.

Related services
Merchant accountsDirect APIHosted checkoutEmbedded payment fieldsRecurring billingFraud prevention
Features
Merchant accountGatewayCheckoutPayment operationsReportingFraud and riskPricingSupportCompliance

Skrill wallet payments

Role in this product

  • Digital wallet
  • E-money issuer

Merchants can accept Skrill wallet payments through the Paysafe Payments API or Skrill checkout products.

Customer funds are debited from the Skrill wallet and credited to the merchant's Skrill account; enabled payment methods, merchant countries and withdrawal options depend on the account.

Related services
Alternative payment methodsDirect APIHosted checkout
Features
GatewayPayment operationsReportingPricingSupportCompliance

Neteller wallet payments

Role in this product

  • Digital wallet
  • E-money issuer

Merchants can accept Neteller wallet payments through Paysafe integrations.

The wallet provider holds the customer's e-money and processes the wallet payment; merchant availability, currencies, withdrawals and contracting entity vary by country.

Related services
Alternative payment methodsDirect APIHosted checkout
Features
GatewayPayment operationsReportingPricingSupportCompliance

PaysafeCard eCash

Role in this product

  • Payment method
  • E-money issuer

PaysafeCard lets customers pay online with a prepaid code or PaysafeCard account instead of a bank account or payment card.

Merchants integrate PaysafeCard as a payment method and receive access to the Partner Service Center after completing business verification and integration testing.

Related services
Alternative payment methodsDirect APIHosted checkout
Features
GatewayPayment operationsPricingOnboardingSupportCompliance

iGaming payment platform

Role in this product

  • Payment service provider
  • Payment gateway
  • Payment method

A single Paysafe integration connects an operator cashier to card processing, Skrill and Neteller, PaysafeCard and PaysafeCash, local payment methods and supported player withdrawals.

Product availability and the regulated entity still vary by jurisdiction and enabled payment method.

Related services
Global acquiringDirect APIHosted checkoutEmbedded payment fieldsAlternative payment methodsFraud preventionCustomer payouts
Features
AcquiringGatewayCheckoutPayment operationsReportingFraud and riskPricingSupportCompliancePayoutsiGaming

Selected product

European card acquiring

Related services
7 capabilities
Features
10 capabilities

Merchant account, approval, processing & settlement

Who supplies the merchant account, approves the merchant, processes payments and settles funds.

01 · Role in this product
Acquirer · Payment processor · Payment gateway
02 · Merchant account
Included: Paysafe
03 · Merchant underwriting
Merchant underwriter not specified
04 · Funds & merchant settlement
Funds holder and settlement provider not specified

Selected product: European card acquiring.

Payment processing

European card acquiring: processing, approval & settlement

Review the payment services included with this product and which companies approve the account, process payments and send merchant settlement.

Selected product: European card acquiring

Included in European card acquiring

Features included with this product.

Solutions
Global acquiringMerchant accountsDirect APIHosted checkoutEmbedded payment fieldsRecurring billingFraud prevention
Capabilities
AcquiringMerchant accountGatewayCheckoutPayment operationsRecurring billingReportingFraud and riskPricingSupportCompliance

Account approval, payment processing & settlement

Who approves the account, processes payments and sends merchant settlement for European card acquiring; any separate merchant account or acquirer is shown only when identified.

Included

Merchant acquiring

Merchant account, card-network access, sponsor bank and acquirer.

Acquiring responsibilities

Who provides the merchant account, acquires transactions and settles merchant funds for this product.

Role in this product
Acquirer
Merchant account model
Merchant account
Gateway included
Yes
Onboarding included
Yes
Transaction processing
Yes
Direct acquiring
Yes
Merchant account
Yes

Merchant account

Merchant account, acquiring and settlement

Capabilities
  • Card acquiring
  • Card payment processing
  • Gateway services
  • Fraud and risk management
  • Data and analytics
Merchant account
Yes
Questions to confirm

What dedicated MID applies to European card acquiring?

Dedicated MID is not specified for European card acquiring.

What domestic or offshore MID applies to European card acquiring?

Domestic or offshore MID is not specified for European card acquiring.

Which legal entity is the acquirer or merchant-account provider in the signed agreement?

European card acquiring may be contracted through different regulated entities or sponsor banks.

Application & approval · European card acquiring

Can this business use the product, and who approves the merchant account?

Merchant-account approval responsibility is not specified for this product.

Business eligibility

Registered-entity and country eligibility is not specified

Company offices do not establish merchant eligibility.

Approval responsibility

Approval terms not specified

European card acquiring does not identify the legal entity responsible for merchant-account approval.

Approval arrangement
Approval responsibility
Product
European card acquiring
Owner & operating location
Owner, director and operating-location requirements are not specified
Regulated-business license
Required license type and issuing jurisdiction are not specified
01Business eligibility & restrictions

Which businesses and activities are accepted?

Product availability depends on the business model, restricted activities and any separate merchant-account approval.

Restricted activity

Business restrictions

Product · MCC · jurisdiction · sales practice

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

02Application & setup

What information is needed before activation?

Any application documents, identity checks and setup steps stated for this product.

Application & setup

Prepare documents → submit application → merchant-account approval

Missing documents or business details can delay approval and activation.

Application documents

Documents to prepare

The complete application document checklist is not specified

Merchant application & underwriting

The application, merchant underwriting and account-activation steps are not specified

Application checks

Merchant-account checks

Application and activation requirements.

Website requirements

Required website pages, disclosures and policies are not specified

Merchant-underwriting checks

Identity, ownership, sanctions and business checks are not specified

Merchant onboarding tasks

The onboarding tasks performed by the provider are not specified

Before applying

Application requirements to confirm

Eligibility, documents, checks, restrictions and activation timing are not fully specified.

Approval & restrictions

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

  1. 01

    Which legal entity makes each approval decision, and which decisions belong to an external provider?

    The merchant underwriter for European card acquiring is not specified.

  2. 02

    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.

Vertical acceptance

Which high-risk verticals this provider answers for

Every row is a statement the provider publishes about a business type. Hover or focus a decision to read the original wording. A vertical with no row here is one the provider does not address.

Applies only to

iGaming payment platform

Vertical acceptance for iGaming payment platform
VerticalProvider’s position
iGamingAccepted
Payment methods & countries · European card acquiring

Where can this merchant accept payments, and which methods are available?

Acquiring is included with this product; each payment method still depends on the merchant configuration.

Selected product

European card acquiring

Availability depends on the product and merchant

Selected product

Applying merchant

Registered-entity and country eligibility is not specified

The business registration country, acquiring countries and customer countries are separate requirements.

Payment types

  • Cards
  • Bank debit
  • Bank transfer
  • Open banking
  • Real-time bank payments
  • Wallets
  • Local payment methods
  • Card payouts

Currencies

48 currencies

The currencies total can include several products; the number available with this product depends on the agreement.

Availability depends on

  • Selected product
  • Merchant country
  • Payer country
  • Currency
  • Industry
  • Merchant agreement
  • Account configuration

Acquiring is included with European card acquiring. Payment-method availability depends on the legal entity, country, currency, industry, MCC and transaction type in the merchant agreement.

01Payment-method availability

Card acceptance, bank payment rails, digital wallets, and card payouts

Payment-method availability depends on the selected product, legal entity, merchant country, customer country, currency, merchant category and account configuration.

Card acceptance

Card types

  • Credit card
  • Debit card
  • Prepaid card
  • Corporate card

Card brands

  • Visa
  • Visa electron
  • Mastercard
  • Maestro
  • American Express
  • Discover
  • Diners Club
  • JCB

Bank payment rails

Bank methods

  • BLIK
  • Eps
  • iDEAL
  • Interac e transfer
  • Mazooma
  • Pay by Bank US
  • Vip preferred
  • Rapid transfer
  • Multibanco
  • PIX
  • Safetypay

Bank-transfer rails

  • ACH
  • Bacs
  • EFT
  • SEPA

Digital wallets

Wallets

  • Apple Pay
  • Google Pay
  • Skrill
  • Neteller
  • PayPal
  • Venmo
  • Play plus

Card payouts

Card payout rails

  • Visa Direct
  • Mastercard Send
02Countries & availability

Where can the merchant be registered, where is acquiring available, and where can customers pay?

Merchant location, acquiring countries, customer location and product availability can differ.

Country coverage

Merchant, acquiring, customer and product countries

  1. 01

    Business registration country

    Where must the business be registered to apply?

    Registered-entity and country eligibility is not specified

    This is where the business is registered; it does not determine acquiring-country or customer-country availability.

    Merchant underwriting
  2. 02

    Acquiring countries

    Where is merchant acquiring available?

    The acquirer for each target country is not specified

    Selected product
  3. 03

    Customer location

    Where can customers pay from?

    Customer countries are not specified

    Customer countries by payment method and currency are not specified for this product.

    Across all products

Countries and payment methods

Countries and payment methods to confirm

  1. Which payment methods are available for my legal entity, customer countries, currencies, industry, MCC and transaction types?

    The payment methods included for the selected product, legal entity and merchant configuration are not specified.

  2. Which customer countries are available for each payment method in the agreement?

    Customer countries are not specified for each payment method.

  3. Which countries are available for each product and payment method?

    Country availability by product and payment method is not specified.

  4. Which country launches are planned, and on what timeline?

    Planned country launches and dates are not specified.

  5. Which legal entity provides acquiring, and which entity settles funds in each target market?

    Additional acquiring countries and the acquiring entity for each market are not specified.

  6. Which alternative payment methods are available for this product?

    Alternative payment methods are not specified for this product.

Pricing & funds · European card acquiring

What does this product cost, and when are funds settled?

Fees and reserves are governed by the merchant-account agreement

Pricing

Standard processing rate is not specified for this product

The processing rate is not specified.

Pricing method

Custom quote

01Commercial terms

What makes up the quoted price?

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

  1. 01 · Pricing plan

    • European card acquiring pricing
  2. 02 · Pricing model

    • Custom

Fees requiring a quote

Amounts and waivers are not specified

monthly fee
setup fee
application fee
annual fee
gateway fee
PCI fee
batch fee
early-termination fee
monthly minimum
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 holder

Reserve terms are not specified for this product

Reserve terms from another product or provider do not apply to this product.

03Merchant settlement

When are sale proceeds settled, and who sends them to the merchant?

Settlement makes processed sale proceeds available to the merchant.

Merchant settlement

Sale proceeds and settlement responsibility

Settlement terms

Settlement terms are not specified for European card acquiring

Settlement frequency, delay, currencies and the legal entity that settles the funds are not specified for this product.

Pricing & settlement terms

Terms to confirm in the agreement

Price

  1. What is the effective processing price for European card acquiring, including the percentage rate, per-transaction fee, interchange and card-network fees, and currency-conversion markup?

    Standard processing rate is not specified for the selected product.

  2. Which of these apply, at what amount and on what trigger: monthly fee, setup fee, application fee, annual fee, gateway fee, PCI fee, batch fee, early-termination fee, and monthly minimum?

    Amounts and waivers are not specified for these fees.

  3. What are the initial term, renewal term, cancellation notice period and early-termination charge for this product?

    The initial term, renewal and cancellation terms are not specified for this product.

Reserve & held funds

  1. Can European card acquiring require a rolling reserve, security deposit or post-termination hold, and what are the percentage, cap, duration and release trigger?

    The reserve percentage, cap, hold period or release terms are not fully specified for this product.

Merchant settlement

  1. For European card acquiring, who settles merchant funds and what are the frequency, delay, cutoff, methods, currencies and minimum settlement amount?

    Merchant settlement terms are incomplete for this product.

Checkout flow · European card acquiring

How do checkout, tokenization, provider connections and implementation work?

Checkout, payment processing, merchant settlement and reporting for this acquiring product

Checkout flow

Collect payment details → tokenize → submit → events & diagnostics

The checkout integration determines who controls the payment form, how payment details are tokenized, which providers receive the payment request, and which SDKs and webhooks are available.

Selected product

European card acquiring

Checkout integrations, tokenization, provider connections, SDKs and webhooks.

  1. Checkout routes

    4 company checkout options

    Varies by product
  2. Gateway integration, security and transaction tools

    Single API for multiple payment methods · Payment handles

  3. Payment processing and funds handling

    Paysafe is the acquirer · Processes transactions

  4. Reporting & reconciliation

    Included with this product

01

Checkout routes

Which hosted, embedded or API checkout options are available?

The actual integration surfaces, UI ownership and deployment choices.

Checkout routes

Varies by product
  1. 01

    Paysafe Payments API

    Server-side API

    • Server side
    • Redirect: No
    • iFrame: No
    • Cards
    • Wallets
    • Bank transfers
    • Direct debits
    • Local payment methods
    • Ecash
  2. 02

    Paysafe Checkout

    Hosted checkout overlay

    • Iframe overlay
    • Redirect: Yes
    • iFrame: Yes
    • Cards
    • Wallets
    • Bank transfers
    • Prepaid vouchers
    • Ecash
    • Payments
    • Withdrawals
  3. 03

    Paysafe JS

    Embedded hosted fields

    • Client side
    • Redirect: No
    • iFrame: Yes
    • Cards
    • Apple Pay
    • Google Pay
    • 3-D Secure
    • Saved cards
  4. 04

    Paysafe mobile SDKs

    Mobile SDK

    • iOS
    • Android
    • React Native
    • Redirect: No
    • iFrame: No
    • Card tokenization
    • 3-D Secure
    • Apple Pay
    • Google Pay
    • Venmo

Paysafe offers these checkout options, but does not specify which one is included with European card acquiring.

Checkout integration

Not specified

No checkout integration is specified for this product for European card acquiring

02

Gateway integration, security and transaction tools

Which payment providers can checkout connect to?

API entry points, testing, events, tokens and authentication.

Selected setup

Connections entry point

How requests enter this product and which integration boundary applies.

Integration options

  • Payments API
  • Paysafe checkout
  • Paysafe JS
  • iOS SDK
  • Android SDK
  • Server side SDK

Gateway integration, security and transaction tools

Connected payment-provider types

Connections
01

Transaction and security features

  • Single API for multiple payment methods
  • Payment handles
  • Payment method tokenization
  • Saved payment methods
  • Transaction status webhooks
  • Business portal
  • Payments
  • Refunds
  • Void authorizations
  • Settlements
  • Standalone credits
  • Original credits
02

Test environment

Sandbox available

03

Webhooks

Payment handle status, Payment status, Settlement status, Refund status, Void authorization status, and Standalone credit status

04

Tokenization

  • Single use payment handle
  • Multi use payment handle
  • Saved card
  • Network token
05

3-D Secure

Supported

06

Merchant control panel

Yes

Connected acquirer / processor

Payment providers that can receive transactions from the gateway.

Connected acquirer and processor types

Assigned outside this product
  • Acquirer
  • Payment processor
  • PSP
  • Digital wallet
  • Bank

A connected acquirer or processor may have separate pricing, contract and underwriting requirements.

Recurring operations

Recurring operations

Subscription creation, stored credentials, retries and who controls the schedule.

Recurring-payment features
  • Card on file
  • Stored credentials
  • Merchant-initiated transactions
  • Customer initiated transactions
  • Subscription payments
Billing types
  • Recurring payments
  • Saved card payments
Recurring feature availability
  • Merchant account configuration
  • Payment method
  • Customer consent
03

Payment processing and funds handling

Who collects and tokenizes payment details, authorizes payments and handles funds?

Who performs merchant underwriting, payment processing, settlement and merchant support.

Payment processing and funds handling

  • Paysafe is the acquirer
  • Processes transactions
  • Provides the merchant account
  • Provides direct acquiring

Available controls

Who performs merchant underwriting, payment processing, settlement and merchant support.

  1. 01

    Supported transaction types

    Which controls are available with this product?

    Supported transaction types

    • Payments
    • Refunds
    • Payment status webhooks
    • Transaction lookup
  2. 02

    Authorization and settlement controls

    Which controls are available with this product?

    Authorization and settlement controls

    • Operations: Authorizations, Void authorizations, Settlements, Cancel settlements, Refunds, Partial refunds, Original credits, Standalone credits, and Verifications
04

Reporting & reconciliation

Which SDKs, events and implementation diagnostics are available?

What operations teams can reconcile, how quickly data arrives and where exceptions are handled.

Reporting & reconciliation

Checkout integration → tokenization → payment submission → webhooks & error reporting

Client SDKs, environments, webhook events, request logs and operational diagnostics.

  1. 01

    Reporting & reconciliation

    What operations teams can reconcile, how quickly data arrives and where exceptions are handled.

    Consolidated reporting

    Included with this product

Before integration

Integration details not specified

  1. 01

    Which hosted, embedded or direct-API checkout is contracted for European card acquiring, and who owns the UI and PCI scope?

    No checkout integration is specified for this product.

Merchant funds, risk & support

European card acquiring: risk, licenses & support

Payment processing, merchant funds, reserves, chargebacks, contracting entity, regulated payment services and support.

01 / Processing, reserves & chargebacks

Who can suspend payment processing or hold merchant funds?

Payment processing, reserve or other holds on merchant funds, fraud controls and chargeback handling.

Payment processing & funds

Merchant acquiring

Who bears payment losses, who may suspend payment processing, who handles chargebacks and the parties' duties after termination are not specified for this product.

Role in this product
Acquirer · Payment processor · Payment gateway
Who receives and settles funds
Funds holder and settlement provider not specified

Reserve or security deposit

Reserve amount and release terms are not specified

The reserve amount and release schedule are not specified for this product. A reserve may still be included in the final agreement.

Not specified

Fraud, authentication & chargebacks

Fraud screening, 3-D Secure and chargeback handling

Fraud screening and 3-D Secure are 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.

  1. 01

    Before authorization

    Fraud screening

  2. 02

    At checkout

    3-D Secure authentication

BEFORE AUTHORIZATION

Fraud screening

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

Capabilities
Real time fraud detection rulesDevice fingerprintingAccount level rule customization3-D Secure 2TokenizationChargeback management

AT CHECKOUT

3-D Secure authentication

Which 3-D Secure and verification methods are included?

Authentication · 3-D Secure 2
Yes
3-D Secure
Yes
Before signingReserve, chargeback, settlement hold and suspension terms4 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 European card acquiring and payment-processing or merchant-settlement issues. First-response and resolution targets are also not specified.

Support contacts

Company support hours and contacts

The contacts that cover this product and payment-processing or merchant-settlement issues are not specified.

Other company contacts

Support hours are not specified for these contacts.

Before signingSupport contacts, hours and response times4 items to confirmReview contract terms
European card acquiring / Before signing

What should the merchant agreement include?

Confirm the contracting entity, approval conditions, processing fees, merchant funding, reserves, chargebacks, liability, support and termination.

Before signing

European card acquiring: terms to confirm

Confirm each material commercial, operating and legal term in the agreements that govern this product.

Commercial & funding terms

Processing fees, reserve or security deposit, merchant funding schedule and chargeback fees

Approval, liability & exit

Underwriting conditions, responsible entities, loss allocation, suspension, support and termination

Contract checklist

Terms to review by topic

Jump to the underlying product details

  1. 01Reserves & chargebacksReserve or security deposit, chargebacks, processing suspension and settlement holds.
  2. 02Legal entity & licenseContracting entity, license or registration, and regulated payment services.
  3. 03SupportSupport contacts, hours, response times and escalation.
Merchant agreement

Contract terms to confirm

Review processing fees, merchant funding, reserves, chargebacks, liability, support and termination.

Reserves & chargebacksReserve or security deposit, chargebacks, processing suspension and settlement holds.
  1. Can a reserve or post-termination hold apply to this product, and how is it released?

    The entity that may establish and hold a reserve, the reserve amount and the release terms are not specified.

  2. What events allow European card acquiring to be suspended or terminated?

    The notice period, any right to cure a breach, and the events allowing immediate suspension are not specified.

  3. Which contracted provider handles chargeback alerts, representment and card-network monitoring?

    The provider responsible for chargeback alerts, representment and card-network monitoring is not specified.

  4. Who handles open disputes, chargebacks and case submissions after termination?

    Ownership of open disputes, chargebacks and case submissions after termination is not specified.

Legal entity & licenseContracting entity, license or registration, and regulated payment services.
  1. Which legal entity will sign the agreement for this product, and which license or registration applies?

    The contracting legal entity is not specified for this product.

  2. 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.

  3. Who receives security incidents, and what notification window applies?

    The security incident contact and notification deadline are not specified.

SupportSupport contacts, hours, response times and escalation.
  1. What first-response, update and resolution targets apply by incident severity?

    First-response and resolution targets are not specified.

  2. Who handles escalations for payment failures, integration incidents and account restrictions?

    No escalation contact or process is specified for these incidents.

  3. Which support hours and contact channels cover European card acquiring, and where should a merchant report payment-processing or merchant-settlement issues?

    The support scope for European card acquiring and the contacts for payment-processing or merchant-settlement issues are not specified.

  4. Which support-request topics and routing options are available in the support form?

    Support-form topics and routing options are not specified.

Product summary

What this product already includes

What this product includes, which restrictions apply and which merchant-agreement terms are not specified.

Included capabilities

Capabilities included with European card acquiring.

  • Paysafe supplies card acquiring, transaction processing, gateway access and merchant-account services in Europe. The contracting entity, acquiring countries, MID, settlement terms and reserve terms are assigned in the merchant agreement.