PSP with its own acquiring
One contract covers checkout and settlement. Simple to run, but one company controls both.
Find a Payment Service Provider for Your Business
The right PSP accepts your industry, supports the payment methods and currencies your customers use, and has an acquirer behind it that will settle your money. Tell us about your business once and get matched with one that fits.
How it works
01
Tell us where you sell
Your markets, the payment methods and currencies your customers use, and how you want to integrate: hosted page, components or API.
02
Get matched on coverage
Your profile is matched with a PSP that supports those methods and currencies, and whose acquirer accepts your industry, with indicative pricing straight away.
03
Integrate and go live
Complete onboarding once. Your account is prepared with the PSP, you get your setup and start taking payments.
What you get from a PSP
- A checkout: hosted payment page, embedded components or a full API.
- Card payments plus the local methods your markets expect, such as bank transfers and wallets.
- Stored card tokens for repeat purchases and subscriptions.
- 3-D Secure, exemptions and fraud screening.
- Multi-currency processing and settlement.
- Reporting on payments, refunds, chargebacks and payouts.
New to the terms? Read what a PSP is and PSP vs acquirer.
Three kinds of PSP setup
PSP with a partner acquirer
The PSP provides the technology and connects you to an acquiring bank that underwrites you and settles the money.
Payment facilitator
Signs you up as a sponsored merchant under its own acquirer relationship. Fast to start, but processing can be stopped quickly if your profile changes.
What to confirm before you sign
- That the acquirer behind the PSP accepts your industry, countries and volume in writing.
- Approval rates in your top markets, not a global average.
- Which local payment methods are live in those markets.
- Which currencies you can be paid out in, and the FX margin.
- Chargeback fees, reserve terms and settlement timing.
- Whether your stored card tokens can be moved if you ever switch.
Losing sales to declines with your current provider? Read how to fix a low approval rate.
Payment methods a PSP should cover for your markets
Cards alone lose sales in many countries. Dutch shoppers pay with iDEAL, Brazilians with Pix, and German subscribers expect direct debit. Check that the PSP has these live in your markets, not just on its roadmap.
Card payments
How card payments work for merchants: authorisation, capture, settlement, refunds, chargebacks, 3-D Secure and what providers review before enabling cards.
iDEAL
How iDEAL works for merchants selling in the Netherlands: payment flow, finality, refunds, costs, the switch to Wero and what providers ask before enabling it.
SEPA Direct Debit
How SEPA Direct Debit works for merchants: mandates, Core and B2B, the 8-week refund right, pre-notification and when to offer it next to cards.
Pix
How Pix works for merchants: instant settlement, QR codes, Pix Automático for subscriptions, refunds without chargebacks, and how foreign companies accept it.
Selling into a specific country
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.
Paid out in the wrong currency? See multi-currency settlement. Need a provider that accepts a higher-risk model? See high-risk payment processing.
Check which providers may fit your business
Which PSP fits depends on your industry, company country, markets and volume. 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.
Common questions
What does a payment service provider do?
A PSP connects your checkout to the card schemes and local payment methods. It provides the payment page or API, stores card details as tokens, runs 3-D Secure and fraud checks, sends each payment for authorisation and reports refunds and chargebacks. Some PSPs also hold the acquiring licence and settle the money to you; others work with a separate acquirer.
Do I need a PSP and an acquirer?
You always need both functions: the technology that takes the payment, and the acquirer that holds your merchant account and settles the money. Some providers offer both under one contract; others give you the technology and connect you to a separate acquirer. What matters most is that the acquirer behind the offer accepts your business.
How are payment service providers regulated?
In the EU, payment services may only be provided by authorised payment service providers, mainly banks, electronic money institutions and payment institutions, under the second Payment Services Directive. Card acquiring is itself a regulated payment service. New EU payment rules have been agreed and are expected to apply from around 2028.
How does Ecompayer help me find a PSP?
You complete one online application with your business, markets, payment methods and volumes. We match you with a payment service provider that accepts your profile and prepare your account with it, so you do not have to apply to several providers yourself.
Find a PSP that accepts your business
Add your business details once. We match you with a payment service provider that fits your markets and payment needs, and prepare your account so you can go live.
Check my payment optionsNothing is shared with a provider until you submit your onboarding pack. Approval is always the provider's decision.