Find a Payment Processor That Accepts Your Business

A payment processor is only useful if the acquirer behind it accepts your industry, your markets and your volume. Tell us about your business once and get matched with a processor that does, instead of applying to one after another and waiting for answers.

How it works

01
Tell us about your business
What you sell, where your customers are, your volumes and your payment needs, in one online application.
02
Get matched with a processor
Your profile is matched with a processor whose acquiring partner accepts your industry, markets and volume, with indicative pricing straight away.
03
Go live
Complete onboarding once. Your account is prepared with the processor and you start taking payments.

What decides which processor accepts you

Every processor works within limits set by the acquiring bank behind it. Those limits are why two similar businesses can get different answers from the same processor, and why acceptance has to come before price.

Your industry and merchant category code, and any licence it requires.
Your company's country of registration and the markets you sell to.
Monthly volume, average transaction and largest single payment.
Your chargeback and refund history.
The time between payment and delivery.
Recurring billing, trials or pre-orders.

Processor, PSP or acquirer?

Payment processor

Moves each payment between your checkout and the card schemes for authorisation and settlement.

Payment service provider

The checkout, payment methods, tokenisation and reporting you integrate with. See payment service providers.

Acquiring bank

Holds your merchant account, underwrites you and settles the money. See merchant accounts.

Compare offers on the real cost

Approvals, not just rate

A lower rate with fewer approved payments costs more. Put each quote through the payment processing cost calculator and compare the effective rate. If too many payments already fail, see why card payments get declined.

Cash flow

Settlement timing, currency, FX margin and any rolling reserve affect your working capital more than the headline rate.

Risk terms

Chargeback fees and limits decide what happens after a bad month. Know your chargeback ratio.

Exit and backup

Check notice periods and whether card tokens can move with you, so one account review cannot stop your revenue.

Want the full checklist? Read how to choose a payment processor.

Payment processing by industry

iGaming

How iGaming operators are underwritten by PSPs and acquirers: licensing, player geography, payment methods, chargebacks and payout terms.

Forex & CFD

Payment processing for forex, CFD and trading platforms: regulation, funding methods, client withdrawals, chargeback exposure and provider appetite.

Crypto

Card acquiring and PSP options for exchanges, on-ramps and crypto businesses: licensing, AML expectations, on-ramp flows and settlement.

Adult

Payment processing for adult content, dating and cam platforms: scheme registration, content compliance, subscription billing and chargeback control.

Nutraceuticals

Payment processing for supplements and nutraceuticals: claims compliance, subscription and trial billing, refund ratios and acquirer appetite.

Subscriptions

Payment processing for subscription and recurring-billing businesses: retries, dunning, SCA exemptions, churn-driven disputes and settlement.

Travel

Payment processing for travel agencies, OTAs and tour operators: delivery lag, reserves, bonding, chargeback exposure and settlement timing.

Ecommerce

Choosing a payment processor for an online store: approval rates, local payment methods, multi-currency pricing, settlement terms and fraud tooling.

Gambling, trading, crypto or adult? See high-risk payment processing.

Payment processing by country

Where your company is registered decides which acquirers can contract with you, and where your customers are decides which payment methods and approval rates you get.

United Kingdom

How UK companies get card processing: Companies House and FCA checks, settlement in GBP, UK and UK–EEA card fees, and the payment methods UK customers use.

Germany

How German companies are underwritten for card payments: Handelsregister and BaFin checks, SEPA settlement and the payment methods German shoppers expect.

Netherlands

How Dutch companies are underwritten for card acceptance: KVK and DNB checks, SEPA settlement, and why iDEAL decides Dutch checkout conversion.

Brazil

How to take payments from Brazilian customers: Pix, local cards and instalments, cross-border costs, and the payment rules for licensed betting operators.

Check which processors may fit your business

Licence, markets, volume and dispute history all change which processor accepts you. Answer four questions to start.

Four questions about your business

Industry, company country, customer markets and estimated monthly volume, that is all we need to begin.

Industry

Company country

Monthly volume

Payment processing cost calculatorEstimate your monthly and annual processing cost, and the effective rate a percentage plus a per-transaction fee produces.

Common questions

What is the best payment processor for my business?

There is no single best processor. The right one is the processor whose acquiring partner accepts your industry, company country, markets and volume, supports the payment methods your customers use, and settles on terms that fit your cash flow. A processor that is cheap but does not accept your business, or freezes your account later, is the most expensive choice of all.

How much do payment processors charge?

Pricing is either blended, with one rate for every card, or interchange-plus, where the card issuer's interchange and the scheme fees are passed on at cost plus the processor's margin. In the EU, interchange on consumer cards is capped at 0.2% for debit and 0.3% for credit. On top come fixed fees per transaction, chargeback fees and FX margins, so compare offers on your own card mix with the cost calculator.

Can a high-risk business get a payment processor?

Yes. Gambling operators, trading platforms, crypto businesses, adult sites, nutraceutical brands and subscription businesses with free trials all process cards every day, through acquirers that run programmes for them. Expect closer checks at onboarding and usually a reserve.

Is Ecompayer a payment processor?

No. Ecompayer matches your business with a payment processor that accepts your profile, through one online application, and prepares your account with that processor. The processor handles your payments and settles the money to you.