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Acquirer, Processor, Gateway: Who is who?

What are the differences between an acquirer, a payment gateway, and a payment processor? This is a common question that is more and more difficult to answer in the realities of the modern merchant services market. Technically, a credit card acquirer is a bank, whose risk department decides whether to issue merchant accounts to applicants. An acquirer also ...

Credit Card Processing without a Merchant Account

Credit card processing without opening a merchant account is a dream of those who are unable to go through background verification because of problematic business history or to provide the necessary data needed for this verification (such as tax ID or SSN). In practice, however, in order to accept credit card payments, a business has to open a merchant account or go through ...

ISO versus Payment Facilitator: Who Survives?

If you are an independent sales organization, you might be able to take advantage of becoming a payment facilitator. There are several factors speaking in favor of such a transition. Many present-day payment facilitators benefit from combining merchant services and gateway services in one offering. In this way they can receive both gateway fees and merchant services fees, which ...

Finding an Optimal Acquiring Partner for Your Business

“Which acquiring bank is the most suitable one for my business to partner with”? This question is relevant for different types of companies, including payment facilitators, ISO, and merchants. The answer is conceptually the same, no matter which particular category of businesses you represent. There are many acquirers offering their ...

Payment Gateway Integration for E-commerce Websites

Are you a merchant that wants to accept payments through an e-commerce website? Do you create websites as a software developer and want to offer the best e-commerce solution to your customers? Do you represent a large software company, developing products for POS-platforms and online marketplaces? If the answer to either of these questions is ...

Becoming a Payment Facilitator for a Saas Platform

If you are a Saas platform provider, you may benefit from becoming a payment facilitator. There are three conceptual approaches you can choose from. For example, you can add some new integrations to your existing platform in order to get such services as ongoing merchant fraud monitoring, chargeback handling, and onboarding. Another option is to ...

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