Payment Processing
Accept Payments Across Every Channel
Full-service card processing with direct acquiring relationships, dedicated support, and approval for standard and specialty merchants.
Full Stack Support
One team across underwriting, gateway infrastructure, recurring payments, and ongoing growth so merchants spend less time managing vendors.
Global Acquiring
Direct acquiring in the US, EU, UK, and Australia.
Compliance-First Underwriting
Built for healthcare, telehealth, ecommerce, and complex industries where payment infrastructure matters. We review merchants for long-term growth, not short-term approval.
See What You Could Save
Interchange-plus pricing means you only pay the base card cost plus a flat markup. Enter your volume to estimate your savings.
- Interchange passed through at cost
- No hidden fees or monthly minimums
- Volume discounts available
How much are you overpaying?
Enter your numbers from last month's processing statement.
All figures shown are estimates only and may be subject to change based on application review, business model, risk factors, and underwriting assessments. This tool does not constitute a commitment, guarantee, or offer of specific terms.
Same-day decisions · No application fee · Dedicated account manager
Direct Acquiring, No Middlemen
We maintain direct relationships with acquiring banks across four regions. Your transactions route through our own processing infrastructure, giving you lower interchange costs, faster settlement, and full visibility into every authorization.
Built for Standard and Specialty Merchants
Card-Present and Card-Not-Present
Accept Visa, Mastercard, Amex, and Discover across ecommerce, retail POS, mobile, and MOTO channels from a single merchant account.
Multi-Currency Processing
Settle in your customers' local currency to reduce conversion fees and improve approval rates on cross-border transactions.
Built-In Fraud Protection
Every account includes velocity checks, AVS matching, CVV verification, and 3D Secure. No add-on fees for baseline fraud tools.
Interchange Optimization
We pass through interchange at cost and optimize transaction data to qualify for the lowest available rate on every authorization.
Dedicated Account Management
Your account manager handles onboarding, monitors your account health, and is your direct line for any processing questions.
Specialty Merchant Approval
We underwrite merchants in healthcare, telehealth, online pharmacy, medspa, CBD, and other verticals that standard processors decline.
Processing Payments in 30+ Countries
United States
50 statesFull domestic processing with next-day funding and dedicated account management.
European Union
27 member statesPSD2 and SCA compliant processing across all EU member states with multi-currency settlement.
United Kingdom
England, Scotland, Wales, NIFCA-regulated payment processing with GBP settlement and local acquiring.
Australia
All territoriesAPRA-compliant processing with AUD settlement and Asia-Pacific connectivity.
Connects to Your Existing Platform
Plug into your ecommerce platform, CRM, or ERP with pre-built integrations and a clean REST API.
Browse all integrationsWhat Is Payment Processing?
Payment processing is the infrastructure that moves money from a customer’s card or bank account to your business account. Every time a cardholder taps, swipes, or enters their details online, the transaction passes through a chain of systems: the payment gateway, the acquiring bank, the card network, and the issuing bank. Each step adds cost and complexity.
As a direct acquirer, we control more of that chain than most processors. Your transactions route through our own infrastructure, which means lower interchange costs, faster settlement, and fewer intermediaries between you and your funds.
How a Transaction Works
A card transaction moves through several steps in under two seconds:
- Authorization: The cardholder submits payment. The gateway encrypts the data and sends it to the acquiring bank, which forwards it to the card network and issuing bank for approval.
- Authentication: For online transactions, 3D Secure adds a verification step where the cardholder confirms their identity with the issuing bank.
- Capture: Once authorized, the transaction is captured and queued for settlement.
- Settlement: The acquiring bank collects funds from the issuing bank through the card network and deposits them into your merchant account, minus interchange and processing fees.
Direct Acquiring vs. Payment Aggregators
Payment aggregators pool merchants under a shared merchant ID. This makes signup fast, but it also means shared risk. If another merchant on the same aggregate account triggers a compliance issue, your funds can be frozen too.
With a dedicated merchant account, you have your own acquiring relationship. Your risk profile is assessed individually, your funds are held separately, and your processing terms are negotiated based on your business, not a one-size-fits-all rate card.
Processing for Specialty Merchants
Standard processors restrict or decline merchants in categories they consider too complex to underwrite. We take a different approach. Our underwriting team evaluates your business model, processing history, and compliance posture individually rather than declining based on industry code alone.
We actively process for merchants in:
- Nutraceuticals and dietary supplements
- iGaming and online gaming
- Travel and tour operators
- Subscription and recurring billing
- Telemedicine and online pharmacies
- CBD and hemp products
Each specialty account includes chargeback monitoring, fraud tools, and a dedicated account manager who understands the compliance requirements of your vertical.
