Skip to main content
HighRiskPaymentProvider.comPayment provider reviews
Global API local-payment processing and settlement

Company overview

About PPRO

What the company provides

  • Processor
  • Gateway
  • Payment service provider
  • Local acquiring service and merchant of record
  • Merchant of Record

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

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.

Founded 2006ppro.comUpdated Aug 15, 2026

Selected product

Global API local-payment processing and settlement

Global API processing and PPRO LU settlement

Merchant account & merchant review

  1. Merchant account

    Not included with this product

  2. Merchant underwriter

    PPRO reviews merchant applications

    Merchant underwriting is included with this product.

Primary legal entity

PPRO Financial Ltd

Jurisdiction
United Kingdom
Registration number
07653641
Company type
Private limited company

Legal entities by jurisdiction

4 legal entities across 4 jurisdictions

  • Germany1 entity
  • Luxembourg1 entity
  • Mexico1 entity
  • United Kingdom1 entity

Operating scale

Markets served
≥85 markets

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

Product portfolio

PPRO products

Compare payment acceptance, payment technology, and merchant acquiring and card processing by account setup, approval, payment or data flow, and contract terms.

Global API local-payment processing and settlement

Role in this product

  • Payment service provider
  • Merchant registration KYC and payment method approval
  • Receipt and aggregation of cleared funds
  • Contractual partner settlement

A single Global API, Direct API, Hosted Payment Pages and Drop-in Checkout connect an approved client to configured local payment methods.

For methods in which PPRO receives scheme or issuer funds, PPRO collects and aggregates them by Merchant Contract ID and PPRO Payment Services S.A. fulfils settlement obligations under the current main agreement.

Related services
Alternative payment methodsChargeback managementDirect APIEmbedded checkoutHosted checkoutMerchant settlementRecurring billing
Features
GatewayPayment operationsCheckoutPricingReservesSettlementOnboardingUnderwritingChargebacksReportingSupportCompliance

Global API processing-only payment methods

Role in this product

  • Payment gateway

For a method identified by the Global API as processing-only, PPRO transmits and manages transaction data but does not expect to receive capture funds or send refund funds.

The payment scheme or another connected party owns that funds path.

Related services
Alternative payment methodsDirect API
Features
GatewayPayment operationsCheckoutPricingClient onboardingUnderwritingReportingSupportCompliance

Mexico Local Acquiring and Merchant of Record

Role in this product

  • Local acquiring service and merchant of record
  • Latam service manager
  • Mexico merchant of record local processing collection settlement and remittance
  • Mexico payment related tax procedures integral to collection and remittance

PPRO's current Mexico route provides Mexican local-acquiring access and identifies PPRO as Merchant of Record for the payment flow.

PPRO Latin America GmbH manages the LATAM service and PPRO Mexico Servicios de Pagos S.A. de C.V. performs the local collection, settlement and remittance path for approved merchants located inside or outside Mexico. PPRO performs the payment-related local tax procedures required for that transfer path; the Contractual Partner remains responsible for its products, customers and taxes. Card issuers, networks and any licensed local acquiring participant retain their own rail-specific roles.

Related services
Chargeback managementDirect APIMerchant settlementMerchant of Record
Features
GatewayPayment operationsPricingReservesSettlementOnboardingUnderwritingChargebacksReportingSupportCompliance

Selected product

Global API local-payment processing and settlement

Related services
7 capabilities
Features
12 capabilities

Business activation, processing & settlement

Who activates the business, processes customer payments, handles refunds and chargebacks, and settles the proceeds.

01 · Role in this product
Payment service provider · Merchant registration KYC and payment method approval · Receipt and aggregation of cleared funds · Contractual partner settlement
02 · Payment service setup
Not included with this product
03 · Business activation
PPRO performs merchant underwriting
04 · Payment proceeds
Custom provider to merchant settlement

Selected product: Global API local-payment processing and settlement.

Payment processing

Global API local-payment processing and settlement: 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: Global API processing and PPRO LU settlement

Included in Global API local-payment processing and settlement

Features included with this product.

Solutions
Alternative payment methodsChargeback managementDirect APIEmbedded checkoutHosted checkoutMerchant settlementRecurring billing
Capabilities
GatewayPayment operationsCheckoutRecurring billingPricingReservesSettlementOnboardingUnderwritingChargebacksReportingSupportCompliance

Account approval, payment processing & settlement

Who approves the account, processes payments and sends merchant settlement for Global API local-payment processing and settlement; any separate merchant account or acquirer is shown only when identified.

Included

Payment gateway, PSP and acquirer connections

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

Checkout & provider connections

Checkout → tokenization → connected payment provider

Role in this product
Payment service provider
API-oriented
Yes
Merchant funds
Handles merchant funds at one or more stages
Merchant funds
Yes
Transaction processing
Yes
Merchant settlement
Yes
Direct acquiring
No
Merchant account
No
MID
No
Gateway included
Yes
Onboarding included
Yes
Merchant support included
Yes
Consumer support included
No
Account relationship
The Contractual Partner is a payment service provider or an approved direct merchant; the underlying merchant remains the seller of the goods or services.
Merchant account model
PPRO assigns a Merchant Contract ID for registration and payment-method access. The public agreement does not identify this value as an acquiring-bank MID and does not establish a universal PPRO merchant account.
Payment processing model
PPRO receives transaction data through its gateway, sends it to the configured payment scheme, manages payment status, refunds and method-specific operations, and collects funds for settlement only where the selected method uses a PPRO funds path.
Seller funds model
PPRO only settles transaction amounts actually received from an issuing bank or payment scheme. Under the current main terms, PPRO Payment Services S.A. fulfils settlement obligations after the clearing statement, subject to the agreed minimum, fees, holdbacks and reserves.
Seller of record
No
Tax responsibility
No
Gateway availability
Payment-method, merchant approval, industry, market, PPRO entity, payment-scheme rules, currency and individual Payment Services Agreement dependent.
  1. 01Merchant integrationIntegration options and connected payment providers
  2. 02Payment securityTokenization, authentication and transport security
  3. 03Development & operations

Gateway connections

Merchant integration, PSP and acquirer connections

Integration options

Integration options
  • Direct API
  • Hosted payment page
  • drop-in checkout
  • Channel partner

Gateway

Payment technology

Connected payment provider

Types of connected payment providers
  • Bank
  • Payment processor
  • PSP
  • Digital wallet

Security controls

Tokens and payment authentication

Tokenization
Yes
Token formats
  • Payment agreement reference
  • Card network token

Operations

Webhooks, Control Panel and test environment

Tools used to test an integration and manage live payments.

Webhooks
Yes
Sandbox
Yes
Merchant control panel
Yes
Gateway features
  • Payment charge API
  • Authorization capture void and refund
  • Payment method selection
  • Payment status
  • Fund status
  • Payment agreements
+4 more
  • Recurring payment data
  • Dispute and chargeback events
  • Webhooks
  • Dashboard
Webhook events
  • Payment charge
  • Refund
  • Dispute
  • Chargeback and chargeback reversal
Questions to confirm

Which connectors apply to Global API processing and PPRO LU settlement?

Connectors are not specified for Global API processing and PPRO LU settlement.

Does Global API processing and PPRO LU settlement support 3-D Secure, and which payment flows are covered?

3-d secure is not specified for Global API processing and PPRO LU settlement.

Merchant eligibility · Global API processing and PPRO LU settlement

Can my business apply, and who makes the underwriting decision?

PPRO reviews merchant applications.

Merchant eligibility

Afghanistan, Bahamas, Barbados, Belarus, Caribbean Netherlands, Botswana, Burkina Faso, Cambodia, Congo - Kinshasa, Congo - Brazzaville, Cuba, Ethiopia, Ghana, Guinea-Bissau, Guinea, Haiti, Iran, Iraq, Jamaica, Lebanon, Libya, Mauritius, Myanmar (Burma), Nicaragua, North Korea, Pakistan, Panama, Russia, Senegal, Somalia, Sri Lanka, Sudan, Eswatini, Syria, Trinidad & Tobago, Uganda, Vanuatu, Venezuela, Palestinian Territories, Yemen, and Zimbabwe explicitly excluded

These countries concern merchant-account and processing eligibility, not customer location or office footprint.

Underwriting decision

PPRO reviews merchant applications

Merchant underwriting is included with this product.

Underwriting type
Merchant underwriting
Product
Global API processing and PPRO LU settlement
Owner & operating location
Afghanistan, Bahamas, Barbados, Belarus, Caribbean Netherlands, Botswana, Burkina Faso, Cambodia, Congo - Kinshasa, Congo - Brazzaville, Cuba, Ethiopia, Ghana, Guinea-Bissau, Guinea, Haiti, Iran, Iraq, Jamaica, Lebanon, Libya, Mauritius, Myanmar (Burma), Nicaragua, North Korea, Pakistan, Panama, Russia, Senegal, Somalia, Sri Lanka, Sudan, Eswatini, Syria, Trinidad & Tobago, Uganda, Vanuatu, Venezuela, Palestinian Territories, Yemen, and Zimbabwe excluded

Applicant-location rules are separate from the country in which customers pay.

Regulated-business license
Required for regulated businesses

The accepted license, jurisdiction and operating entity are not specified.

01Merchant eligibility & restrictions

What are the eligibility requirements and restricted business types?

Underwriting requirements and restrictions determine whether the merchant can be accepted. Serving an industry does not mean every merchant in that industry will be approved.

Eligibility requirements

01

Processing statements

Not specified

Confirm how many complete statement months are required

02

Eligibility information

PPRO may require a Merchant Registration Form, customer due diligence and enhanced due diligence before assigning or retaining a Merchant Contract ID. A payment method, market or Merchant Contract ID can be declined, suspended or revoked independently of technical integration. The Girolink API restriction for named industries requires a non-self-service route; it is not automatic acceptance by PPRO or a payment scheme.

03

Merchant application decision

PPRO can reject, suspend or revoke a Contractual Partner, Merchant Contract ID, market or payment method. Girolink API routing, PPRO approval and payment-scheme approval are separate decisions.

Restricted activity

Business restrictions

Product · MCC · jurisdiction · sales practice

Prohibited

Illegal violence or hate, Counterfeit or unauthorised goods, Drugs and narcotics, Get rich quick or pyramid schemes, Human or animal bodies or organs, Intellectual property infringement, Nazi branded products or content, No value added or predatory websites, Pay to remove or defamatory publications, Abusive products or content, Archaeological items, CBD and hemp products, Online pharmacies and prescription drugs, Fireworks, Live animals, Pornography and sexual services, Precious metals and stones, Substances mimicking illegal drugs, Weapons and ammunition, Hazardous materials, Coal oil or natural gas extraction, Mass timber logging, Waste management and disposal, Bail bonds, Bankruptcy lawyers, Binary options, Credit loans and payday lending except buy now pay later, Debt collection, Initial coin offerings, Law firm third party funds collection, Wealth management, Psychic or fortune teller services, Telemarketing, and Prohibited social media engagement sales

Restricted

CBD and hemp products, CFD forex and retail investment services, Gambling betting and casinos, Game skins, Insurance, Money service businesses and money remittance, and Pharmaceuticals

Prohibited

Afghanistan, Bahamas, Barbados, Belarus, Bonaire sint eustatius and saba, Botswana, Burkina faso, Cambodia, Democratic republic of the congo, Republic of the congo, Crimea, Cuba, Ethiopia, Gaza strip, Ghana, Guinea bissau, Guinea, Haiti, Iran, Iraq, Jamaica, Lebanon, Libya, Mauritius, Myanmar, Nicaragua, North korea, Pakistan, Panama, Russia, Senegal, Somalia, Sri lanka, Sudan, Swaziland, Syria, Trinidad and tobago, Uganda, Vanuatu, Venezuela, West bank palestinian territory, Yemen, and Zimbabwe

02Underwriting documents

What must be ready before underwriting starts?

The application, supporting documents and underwriting checks required before a merchant account can be opened.

Underwriting documents

Prepare documents → submit application → merchant underwriting

Missing documents or eligibility details can delay the underwriting decision.

Processing application documents

Documents to prepare

  1. 01Contractual partner and merchant identification
  2. 02Company registration and ownership
  3. 03Business model products and services
  4. 04Merchant website or app
  5. 05Target payment methods markets and volumes
  6. 06Regulated business license where applicable
  7. 07Enhanced due diligence information when requested
  8. 08Business client not consumer charity or microenterprise
  9. 09Legal entity and beneficial owner information
  10. 10Business model products services and websites
  11. 11Target merchants markets methods and projected volumes
  12. 12Settlement account and funds flow
  13. 13Regulated business authorization where applicable
  14. 14Merchant registration form where required

Merchant review & processing activation

  1. 01

    Confirm contractual partner is an eligible business client

  2. 02

    Identify PPRO product payment methods markets and funds path

  3. 03

    Provide contractual partner ownership and business information

  4. 04

    Submit merchant registration data where required

  5. 05

    Complete customer due diligence and any enhanced due diligence

  6. 06

    Obtain payment method and industry approval

  7. 07

    Agree fees settlement minimum holdback and reserve terms

  8. 08

    Integrate test and enable approved methods

Application checks

Underwriting checks

Application and activation requirements.

Website requirements

Required website pages, disclosures and policies are not specified

Merchant-account and processing requirements

  • Customer due diligence
  • Enhanced due diligence where required
  • AML sanctions and prohibited territory review
  • Merchant industry and product review
  • Payment method scheme eligibility
  • Website and business model review
  • Technical integration and account configuration

Processing onboarding tasks

The onboarding tasks performed by the provider are not specified

Before applying

Application requirements to confirm

Business history, volume, account conditions, restrictions and review timing are not fully specified.

Business history & risk

Startup status, processing history, credit, MATCH and chargeback tolerance.

  1. 01

    Will you accept a startup with no operating history for this product?

    Startup eligibility is not specified.

  2. 02

    Will you consider a merchant listed in Mastercard MATCH for this product, and under what conditions?

    Eligibility for merchants listed in Mastercard MATCH is not specified.

  3. 03

    Will you consider adverse credit or a previous processor termination, and under what conditions?

    Eligibility after adverse credit or a previous processor termination is not specified.

  4. 04

    Is processing history required, and how many complete months of statements must I provide?

    Processing-history requirements and the minimum period are not specified.

  5. 05

    Will you consider prior high chargebacks, and what chargeback ratio is acceptable?

    Neither a complete high-chargeback policy nor an acceptable ratio is specified.

Volume & account conditions

Ticket limits, volume expectations, guarantees and bank-account rules.

  1. 06

    Is a personal guarantee required, and what business bank-account conditions must be met before activation?

    Personal-guarantee and business-bank-account requirements are not specified.

  2. 07

    What monthly-volume, average-ticket, maximum-ticket and high-volume review thresholds apply?

    Volume and ticket thresholds are not specified.

Underwriting process & approval time

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

  1. 08

    How long do preliminary and final approval take after a complete application is submitted?

    Approval time is not specified for at least one stage.

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

Global API processing and PPRO LU settlement, Global API processing-only payment methods

Vertical acceptance for Global API processing and PPRO LU settlement, Global API processing-only payment methods
VerticalProvider’s position
CBDConditions applyIn the provider’s wordsCBD and hemp products
Forex CFDConditions applyIn the provider’s wordsCFD forex and retail investment services
iGamingConditions applyIn the provider’s wordsGambling betting and casinos

Applies only to

Global API processing and PPRO LU settlement, Global API processing-only payment methods, Mexico Local Acquiring and Merchant of Record

Vertical acceptance for Global API processing and PPRO LU settlement, Global API processing-only payment methods, Mexico Local Acquiring and Merchant of Record
VerticalProvider’s position
AdultProhibitedIn the provider’s wordsPornography and sexual services
Binary optionsProhibited
CBDProhibitedIn the provider’s wordsCBD and hemp products
Collection agenciesProhibitedIn the provider’s wordsDebt collection
Firearms and ammunitionProhibitedIn the provider’s wordsWeapons and ammunition
Online pharmacyProhibitedIn the provider’s wordsOnline pharmacies and prescription drugs
Precious metalsProhibitedIn the provider’s wordsPrecious metals and stones
Payment methods & countries · Global API processing and PPRO LU settlement

Where can the business process payments, and which methods are available?

Company payment-method and country totals can span multiple products.

Selected product

Global API processing and PPRO LU settlement

Payment-method availability

Selected product

Business applying for processing

Afghanistan, Bahamas, Barbados, Belarus, Caribbean Netherlands, Botswana, Burkina Faso, Cambodia, Congo - Kinshasa, Congo - Brazzaville, Cuba, Ethiopia, Ghana, Guinea-Bissau, Guinea, Haiti, Iran, Iraq, Jamaica, Lebanon, Libya, Mauritius, Myanmar (Burma), Nicaragua, North Korea, Pakistan, Panama, Russia, Senegal, Somalia, Sri Lanka, Sudan, Eswatini, Syria, Trinidad & Tobago, Uganda, Vanuatu, Venezuela, Palestinian Territories, Yemen, and Zimbabwe explicitly excluded

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

Method categories

  • Cards
  • Bank transfer
  • Bank debit
  • Real-time bank payments
  • Wallets
  • Local payment methods

Availability depends on

  • PPRO product
  • Payment method
  • Contracting entity
  • Merchant registration and approval
  • Merchant industry
  • Consumer market
  • Processing and consumer currency
  • Funds model
  • Payment scheme rules
  • Account configuration

Global API processing and PPRO LU settlement payment methods and market coverage depend on the legal entity, merchant country, customer country, currency, industry and account configuration.

01Payment-method availability

Card acceptance and bank payment rails

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

Card brands

Card brands included with this product are not specified

Bank payment rails

Bank methods

  • Online bank transfer
  • Direct debit
  • Instant bank payment

Bank-transfer rails

Bank-transfer rails by currency are not specified

Digital wallets

Wallets

Wallet availability by country and currency is not specified

Card payouts

Card payout rails

Card-payout availability is not specified for this product

02Countries & availability

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

Business location, merchant-account coverage, acquiring countries and customer location can differ.

Country coverage

Merchant, acquiring, customer and product countries

  1. 01

    Business location

    Where can the business applying for processing be registered?

    Afghanistan, Bahamas, Barbados, Belarus, Caribbean Netherlands, Botswana, Burkina Faso, Cambodia, Congo - Kinshasa, Congo - Brazzaville, Cuba, Ethiopia, Ghana, Guinea-Bissau, Guinea, Haiti, Iran, Iraq, Jamaica, Lebanon, Libya, Mauritius, Myanmar (Burma), Nicaragua, North Korea, Pakistan, Panama, Russia, Senegal, Somalia, Sri Lanka, Sudan, Eswatini, Syria, Trinidad & Tobago, Uganda, Vanuatu, Venezuela, Palestinian Territories, Yemen, and Zimbabwe explicitly excluded

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

    Show all 41 countries
    • AFAfghanistan
    • BSBahamas
    • BBBarbados
    • BYBelarus
    • BQCaribbean Netherlands
    • BWBotswana
    • BFBurkina Faso
    • KHCambodia
    • CDCongo - Kinshasa
    • CGCongo - Brazzaville
    • CUCuba
    • ETEthiopia
    • GHGhana
    • GWGuinea-Bissau
    • GNGuinea
    • HTHaiti
    • IRIran
    • IQIraq
    • JMJamaica
    • LBLebanon
    • LYLibya
    • MUMauritius
    • MMMyanmar (Burma)
    • NINicaragua
    • KPNorth Korea
    • PKPakistan
    • PAPanama
    • RURussia
    • SNSenegal
    • SOSomalia
    • LKSri Lanka
    • SDSudan
    • SZEswatini
    • SYSyria
    • TTTrinidad & Tobago
    • UGUganda
    • VUVanuatu
    • VEVenezuela
    • PSPalestinian Territories
    • YEYemen
    • ZWZimbabwe
    Merchant application review
  2. 02

    Acquiring countries

    Where is merchant acquiring available?

    Acquiring countries listed for other products

    Their availability with Global API processing and PPRO LU settlement is not specified.

    Show all 1 country
    • MXMexico
    Across all products
  3. 03

    Customer location

    Where can customers pay from?

    ≥85 markets

    A market total is available, but individual customer countries are not specified.

    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 country launches are planned, and on what timeline?

    Planned country launches and dates are not specified.

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

    Alternative payment methods are not specified for this product.

  5. Which presentment and settlement currencies are available for this product?

    Presentment and settlement currencies are not specified for this product.

Pricing & funds · Global API processing and PPRO LU settlement

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

Product price, contracting entity and additional fees

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

    • Global API processing and settlement pricing

  2. 02 · Pricing model

    • Custom

Fee structure

Fees that may appear in the agreement for this product

  1. 01
    Possible fees
    May apply
    • Base fee rate
    • Transaction fee
    • Monthly minimum fee
    • Payment method fee
    • Settlement and bank transfer fee
    • Foreign exchange
    • Refund chargeback or investigation fee

    Amounts and applicability vary by merchant agreement.

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 terms

Who holds the reserve, how much is withheld, and when is it released?

Reserve terms cover the holder, funding method, amount, hold period and release conditions.

Reserve terms

Reserve holder, amount and release terms

The holder, amount, hold period and release conditions form one reserve arrangement.

  1. 01

    Reserve type

    • Contract-specific holdback, reserve or additional security: Rolling reserve and Fixed reserve

    Percentage of processing volume withheld from settlement, Separate reserve, and Additional financial security

  2. 02

    Hold & release

    • contractual release
  3. 03

    Amount

    Amount not specified

    A reserve may apply; its amount and cap are not specified.

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 schedule

  • PPRO LU settlement after clearing statement: Set in agreement · delay Up to 2 business days

Settlement methods

  • Methods: Bank transfer

Pricing & settlement terms

Terms to confirm in the agreement

Price

  1. What is the effective processing price for Global API processing and PPRO LU settlement, 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.

  4. What percentage or fixed amount is withheld under Contract-specific holdback, reserve or additional security, is there a cap, and which transaction volume is used?

    A reserve may apply; its amount and cap are not specified.

  5. For Contract-specific holdback, reserve or additional security, when does the hold start, when is each tranche released, and what can extend the release?

    A hold period or release rule is not specified for at least one reserve policy.

  6. Is there a minimum settlement amount, carry-forward rule or fee below threshold for PPRO LU settlement after clearing statement?

    A settlement minimum or carry-forward rule is not specified.

Checkout flow · Global API processing and PPRO LU settlement

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

API-based checkout and payment processing for this 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

Global API processing and PPRO LU settlement

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

  1. Checkout routes

    3 company checkout options

    Varies by product

  2. Gateway integration, security and transaction tools

    Payment charge API · Authorization capture void and refund

  3. Payment processing and funds handling

    PPRO provides payment acceptance and processing · 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

    Direct API

    Server to server API

    • Merchant or PSP checkout
    • Merchant controlled checkout
    • Local payment methods
    • Payment charge lifecycle
  2. 02

    Hosted Payment Pages

    Hosted checkout

    • PPRO hosted page
    • Provider hosted checkout
    • Configured local payment methods
  3. 03

    Drop-in Checkout

    Embedded checkout

    • Merchant or PSP website
    • Embedded checkout
    • Configured local payment methods

PPRO offers these checkout options, but does not specify which one is included with Global API processing and PPRO LU settlement.

Checkout integration

Not specified

No checkout integration is specified for this product for Global API processing and PPRO LU settlement

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

  • Direct API
  • Hosted payment page
  • Drop-in checkout
  • Channel partner

Gateway integration, security and transaction tools

Connected payment-provider types

Connections
01

Transaction and security features

  • Payment charge API
  • Authorization capture void and refund
  • Payment method selection
  • Payment status
  • Fund status
  • Payment agreements
  • Recurring payment data
  • Dispute and chargeback events
  • Webhooks
  • Dashboard
02

Test environment

Sandbox available

03

Webhooks

Payment charge, Refund, Dispute, and Chargeback and chargeback reversal

04

Tokenization

  • Payment agreement reference
  • Card network token
05

3-D Secure

Supported 3-D Secure versions are not specified

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
  • Bank
  • Payment processor
  • PSP
  • Digital wallet

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
  • On session initial payment
  • Merchant initiated off session payment
  • Payment agreement reference
  • Scheduled retry classification
  • Payment method specific mandates
Billing types
  • Subscription payment
  • Usage based recurring payment
  • Unscheduled credential on file payment
Subscription models
  • Fixed interval subscription
  • Usage based billing
  • Event triggered billing
Retention and recovery
  • Scheduled retry classification
Recurring feature availability
  • Payment method
  • Payment agreement
  • Authentication and mandate requirements
  • Merchant approval
  • Account configuration
03

Payment processing and funds handling

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

Who activates the business, processes and collects payments, handles refunds and chargebacks, settles proceeds and provides support.

Payment processing and funds handling

  • PPRO provides payment acceptance and processing
  • Processes transactions
  • Settles merchant funds
  • Handles merchant funds
  • Does not provide the merchant account
  • Does not provide the MID
  • Does not provide direct acquiring

Available controls

Who activates the business, processes and collects payments, handles refunds and chargebacks, settles proceeds and provides support.

  1. 01

    Supported transaction types

    Which controls are available with this product?

    Supported transaction types

    • Create payment charge
    • Authenticate
    • Authorize
    • Capture where supported
    • Void where supported
    • Full or partial refund
    • Retrieve payment status
    • Retrieve fund status
    • Payment agreement
    • Dashboard payment management
    • Webhook notification
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 Global API processing and PPRO LU settlement, and who owns the UI and PCI scope?

    No checkout integration is specified for this product.

Merchant funds, risk & support

Global API local-payment processing and settlement: risk, licenses & support

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

Global API local-payment processing and settlementService: Global API processing and PPRO LU settlement
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

API-based payment processing

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
Payment service provider · Merchant registration KYC and payment method approval · Receipt and aggregation of cleared funds · Contractual partner settlement
Who receives and settles funds
Custom provider to merchant settlement

Reserve or security deposit

Reserve funding and release

Contract-specific holdback, reserve or additional security

Reserve may apply
  1. 01

    Funding method

    Percentage of processing volume withheld from settlement · Separate reserve · Additional financial security

  2. 02

    Reserve type

    Rolling reserve · Fixed reserve

  3. 03

    Reserve amount

    Not specified

  4. 04

    Release

    Contractual release

Fraud, authentication & chargebacks

Fraud screening, 3-D Secure and chargeback handling

Dispute handling 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.

  1. 01

    After payment

    Disputes & chargebacks

AFTER PAYMENT

Disputes & chargebacks

Which dispute and chargeback tools are included?

Chargeback tools
Unified dispute recordStandardised reason codesPayment method specific evidence requirementsPre-dispute, dispute, pre-arbitration and arbitration statesDispute action and update webhooksChargeback and reversal settlement webhooksDispute reporting
Chargeback reporting
Yes
Chargeback report filters
DisputePhaseReason codeActionEvidence requirementChargebackChargeback reversalPayment method
Fee policy · Economic responsibility
The payment provider can claw funds back from PPRO through settlement; PPRO can deduct transaction losses and chargebacks from holdbacks or future settlement and invoice any shortfall under the agreement.
Fee policy · Universal coverage
No
Fee policy · Availability
The unified dispute-management lifecycle is currently documented only for named supported payment methods; it is not represented as available for every PPRO method.
Before signingReserve, chargeback, settlement hold and suspension terms5 items to confirmReview contract terms
02 / Legal entity, license & registration

Which legal entity provides the service, and under which license or registration?

A company can use different legal entities, licenses or registrations for different payment products.

For this product

Contracting entity and authorization

Payment service provider. For Global API local-payment processing and settlement, the contracting entity is PPRO Financial Ltd · PPRO Payment Services S.A.; its authorization or registration is Electronic Money Institution · Payment Institution; and its permitted payment services are Electronic money services · Payment services under the payment services regulations 2017 · Payment services · Contractual partner settlement under the PPRO main agreement.

  1. 01 · Contracting entity

    PPRO Financial Ltd · PPRO Payment Services S.A.

  2. 02 · Authorization or registration

    Electronic Money Institution · Payment Institution

  3. 03 · Permitted payment services

    Electronic money services · Payment services under the payment services regulations 2017 · Payment services · Contractual partner settlement under the PPRO main agreement

Company legal entities, licenses & registrations

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

2 entities · 2 licenses or registrations

PPRO Financial Ltd

United Kingdom · Registry 07653641 · Private limited company

Electronic Money Institution

Financial Conduct Authority · Firm Reference Number 900029 · 2 permitted payment services · Active · Entity: PPRO Financial Ltd

Other legal entities (1)

PPRO Payment Services S.A.

Luxembourg · Registry B235952 · Public limited company

Payment Institution

Commission de Surveillance du Secteur Financier · License Z00000022 · 2 permitted payment services · Active · Entity: PPRO Payment Services S.A.

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 Global API processing and PPRO LU settlement 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.

Merchant technical support

Mon–Fri · 08:00–17:00 · Europe/Berlin

Gateway support

operations@ppro.com

Critical system failure emergency support

Other company contacts

Support hours are not specified for these contacts.

Sales

ppro.com/contact

Developer

developerhub.ppro.com/global-api/docs/welcomedeveloperhub.ppro.com/global-api/docs/mexico-local-acquiring

General

ppro.com/legal/payment-services-agreement-general-terms-and-conditionsppro.com/legal/ppro-entitiesppro.com/countries/mexicoppro.com/regions/latamppro.com/legal/latam-general-terms-and-conditions
Before signingSupport contacts, hours and response times2 items to confirmReview contract terms
Global API processing and PPRO LU settlement / 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

Global API processing and PPRO LU settlement: 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. What events allow Global API processing and PPRO LU settlement to be suspended or terminated?

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

  2. What reserve percentage and cap apply, and which obligations continue after termination?

    Reserve percentage and reserve cap are not specified. Release method: Contractual.

  3. What chargeback fee applies?

    Chargeback handling is included, but the fee 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.

  5. Who monitors card-network thresholds, and what happens before the merchant exceeds one?

    Card-network monitoring programs and escalation thresholds are not specified.

Legal entity & licenseContracting entity, license or registration, and regulated payment services.

  1. Will the agreement be with PPRO Financial Ltd or PPRO Payment Services S.A., and which authorization applies?

    More than one provider entity is linked to this product; the agreement must identify the applicable entity and authorization.

  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. Which support hours and contact channels cover Global API processing and PPRO LU settlement, and where should a merchant report payment-processing or merchant-settlement issues?

    The support scope for Global API processing and PPRO LU settlement and the contacts for payment-processing or merchant-settlement issues are not specified.

  2. 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 Global API processing and PPRO LU settlement.

  • A single Global API, Direct API, Hosted Payment Pages and Drop-in Checkout connect an approved client to configured local payment methods. For methods in which PPRO receives scheme or issuer funds, PPRO collects and aggregates them by Merchant Contract ID and PPRO Payment Services S.A. fulfils settlement obligations under the current main agreement.