Acquiring Solutions

Merchant Account Processing

Merchant Account Processing

Domestic and cross‑border bank acquiring, along with multi‑currency payment gateway processing powered by network

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Global Acquiring

Access to a broad network of acquiring banks for regional optimization

Multi‑Currency

Authorization and settlement in major and emerging currencies

Risk & Compliance

KYC/KYB, 3DS, network tokens, and chargeback management

Optimized Approvals

Descriptor, routing, and retry strategies to improve acceptance

What You Get

Acquiring Models

  • Domestic and cross‑border MIDs (single or multi‑MID configurations)
  • Card‑present (SDK) and card‑not‑present (e‑commerce, MOTO)
  • Subscription and recurring billing with updater and network tokens

Payment & Risk Controls

  • 3D Secure 2.0 with frictionless flows and liability shift
  • Network tokens (VTS/MDES) for higher approval and lower PCI scope
  • AVS/CVV checks, velocity rules, device insights, and RDR handling

Settlement & Reporting

  • Flexible funding (T+1 to weekly) and rolling reserve options
  • Detailed reconciliation files and webhooks for payouts/fees
  • Chargeback alerts, case management, and analytics dashboards

Flexible Rule Engine

Technical Specs (via Gateway)

Single integration for payments, tokens, and 3DS


IF transaction.amount > 1000
AND customer.country != billing.country
AND device.risk_score > 70
THEN action = "REVIEW"

IF customer.velocity > 5 transactions/hour
OR card.bin IN high_risk_bins
THEN action = "DECLINE"

IF ml_score < 0.3
AND customer.history = "GOOD"
THEN action = "APPROVE"

• Partial capture, multiple shipments, and incremental authorizations
• Refunds, voids, and dispute evidence upload
• Level 2/3 data for enhanced interchange categories where applicable

Onboarding Requirements

  • Corporate documents: registration/incorporation, UBO register, proof of address
  • KYC/KYB: directors and UBO IDs, sanctions and PEP screening
  • Business model overview, MCC, processing volumes, refund/chargeback policies
  • Website/app review, PCI status, and 3DS integration plan

Pricing & Fees Model

Interchange++ or Blended

Single integration for payments, tokens, and 3DS

  • We support Interchange++ (IC++), scheme fees, and acquirer markup, or a simple blended rate.
  • Final pricing depends on MCC, geographies, average ticket, and risk profile.

Ancillary Fees

Transparent, no hidden extras

  • Typical items: chargeback fee, retrieval/representment, PCI program, and statement fees if applicable.
  • Rolling reserve and funding cadence are configured during underwriting.

Gateway Bundles

Payments, 3DS, tokens, and risk

  • Bundle with our PCI L1 gateway for a single contract and unified reporting across processors.
  • Network tokens and risk tooling can materially improve approval rates.

All pricing is indicative and subject to underwriting. A custom proposal will be provided after pre‑assessment.

Who We Support

E‑commerce & SaaS

Single checkout or subscriptions at scale

Marketplaces

Multi‑seller, split settlements, and payouts

Digital Goods

Gaming, media, content and app monetization

Travel & Services

Pre‑auths, delayed capture, and higher‑risk flows

Frequently Asked Questions

Yes—single or multiple MIDs across geographies, with routing/descriptor control and multi‑currency authorization and settlement.

Configurable (e.g., T+1 to weekly) based on risk profile, MCC, and acquirer setup; rolling reserve options are available when required.

3DS, network tokens, AVS/CVV, device/velocity checks, dispute tooling, and reconciliation files/webhooks.

Open a Merchant Account with Confidence

Get the right acquiring setup for your business model, markets, and risk profile—connected through a single integration.

No commitment required • Free consultation • Custom solutions available