With OPay, users can easily pay their bills, such as electricity, water, and internet, without the hassle of long queues or multiple trips to different payment centers. The platform provides a one-stop solution for all bill payments, allowing users to conveniently settle their bills from the comfort of their own homes. In addition to bill payments, OPay also offers a seamless money transfer and withdrawal service. Users can send money to friends, family, or business partners with just a few taps on their mobile devices. They can also withdraw cash from their OPay accounts at any OPay agent location, eliminating the need to find an ATM or bank branch. OPay also provides a range of other financial services, including airtime top-up, mobile data purchase, and even ride-hailing services. Users can easily top up their mobile phones or purchase data bundles directly from the app, saving them time and effort. Furthermore, OPay offers a ride-hailing service called OCar, which allows users to book rides at affordable rates. Whether it’s for daily commuting or special occasions, OPay ensures that users can travel conveniently and safely. Overall, OPay is a platform that aims to simplify financial services and make them more accessible to everyday customers. With its wide range of services and user-friendly interface, OPay truly serves its users in the most convenient way possible. OPay offers a range of services to its customers, including: 1. Money Transfer: Users can send money to anyone in Nigeria using the OPay app. The recipient can then withdraw the money from any OPay agent or partner bank. 2. Bill Payment: OPay allows users to pay their utility bills, such as electricity, water, and cable TV, directly from their mobile phones. This eliminates the need to stand in long queues or visit multiple payment centers. 3. Airtime Purchase: Users can buy airtime for their mobile phones or for others directly from the OPay app. This is especially useful for people who do not have access to physical airtime vendors. 4. Ride-Hailing: OPay has a ride-hailing service called OCar, which allows users to book rides with trained and verified drivers. The service is available in major cities across Nigeria. 5. Food Delivery: OPay has a food delivery service called OFood, which allows users to order food from their favorite restaurants and have it delivered to their doorstep. The service is available in select cities. 6. Grocery Delivery: OPay also offers a grocery delivery service called OList, which allows users to order groceries and household items from local stores and have them delivered to their homes. 7. Investment: OPay has a feature called OWealth, which allows users to invest their money and earn interest. The platform offers a range of investment options, including fixed deposits and mutual funds. OPay aims to provide convenient and affordable financial services to the unbanked population in Nigeria, helping them to improve their financial well-being and achieve their goals. Social Link

Moorwand Ltd is an electronic money institution that provides end-to-end payment solutions. They offer BIN sponsorship and acquiring services to individuals and merchants in the European Economic Area (EEA). As of 2019, Moorwand Ltd had total assets of 16.56 million GBP and generated a net income of 460,669.00 GBP. It is incorporated in the United Kingdom and is authorized and regulated by the Financial Conduct Authority (FCA). This means that they are subject to regulatory oversight and must comply with the FCA’s rules and regulations to ensure the safety and security of their customers’ funds. Social Link

LYF’s mobile e-wallets allow users to store and manage their money digitally, making it convenient for everyday transactions. Users can easily add funds to their e-wallets through various methods such as bank transfers or credit/debit card payments. With LYF’s mobile payment processing services, online merchants can accept payments from customers using LYF’s e-wallets. This provides a seamless and secure payment experience for both the merchant and the customer. LYF’s platform also offers additional features such as peer-to-peer transfers, bill payments, and the ability to link loyalty cards for added convenience. As an authorized and regulated electronic money institution, LYF ensures the security and privacy of its users’ financial information. It complies with all relevant regulations and follows strict security protocols to protect against fraud and unauthorized access. Overall, It aims to simplify and enhance the mobile payment experience for individuals and businesses, providing a secure and convenient way to manage and transact with money digitally. Social Link

As an electronic money institution, LQID Limited offers a payment platform that allows small and medium-sized enterprises (SMEs) to make electronic payments. This platform enables businesses to send and receive payments securely and efficiently. LQID Limited is based in the United Kingdom and is authorized and regulated by the Financial Conduct Authority (FCA). This means that the company operates under the supervision of the FCA and must comply with its regulations and guidelines. In 2019, LQID Limited reported total assets of 38,310.00 GBP. These assets represent the company’s financial resources, including cash, investments, and other assets that it owns. Overall, LQID Limited aims to provide SMEs with a reliable and convenient payment platform, helping them streamline their financial operations and improve their efficiency. Social Link

Klarna can be best described as a buy now, pay later (BPNL) service that provides customer financing for both online retail and in-store purchases. Available in 31 countries and growing, Klarna has its own marketplace with more than 147 million happy shoppers and a mobile application to complete purchases on the go. Considered to be one of the best overall BNPL apps for merchants, Klarna facilitates integration with several third-party systems such as BigCommerce, Shopify, and more. The payment processing platform of Klarna helps businesses provide a secure checkout experience to customers with several payment methods. It offers multiple financing options including Pay-in-4, pay in 30 days, or 6- to 36-month plans. Overall, Klarna is a good choice for high-revenue businesses, businesses processing international sales, small and growing businesses, and retailers looking for seller protection. One of the best things about Klarna is its seller protection program under which all fraud and credit risk is borne by Klarna when its financing services are utilized by customers. In other words, businesses get paid in full when purchases are made and they are not responsible to collect payments or issue late fees. Klarna Merchant Pricing Monthly service fees: $0 Processing fees: 3.39%–5.99% + 30 cents Application and sign-up: $0 Onboarding fees: $0 Payout schedule: Determined in contract based on needs Risk: 0% APRs: 7.99% to 29.99% Repayment term: Six weeks to 24 months Late fees: $7 to $35 Funding timeline: Instant Compatible payment providers: PeachPay, Gr4vy, Stripe, Adyen, Digital River, Radial, and Cybersource Compatible eCommerce platforms: Adobe Commerce, BigCommerce, Cirkuit Commerce, Episerver, PrestaShop, Salesforce Commerce Cloud, Jibe, Wonderkind, Wix, WooCommerce, SAP, and Shift4Shop. Deployment Options: Cloud, SaaS, Web-based, On-Premise Windows, and On-Premise Linux Klarna support: 24/7 (Live rep), FAQs/Forum, and Knowledge Base Year Founded: Klarna was founded in 2005. CEO: The CEO of Klarna is Sebastian Siemiatkowski. Headquarters: Klarna is headquartered in Stockholm, Sweden. They also have offices in New York City. Why Choose Klarna? Flexible Payment Options: Klarna offers a variety of payment solutions for online storefronts. Their service allows online consumers to pay for items in installments. Interest-Free Payments: Klarna doesn’t charge interest on their Pay in 4 option, and there are no fees when you pay on time. Consumer-Centric Approach: Klarna puts consumer needs at the heart of their business. Safe and Secure: Klarna’s “Buy Now, Pay Later” brought a whole new level of trust and security to the online experience. Global Presence: Klarna is a global financial technology company providing online financial services to over 60 million consumers across 14 countries. Risk Appetite Processing currencies: EUR, GBP, USD Settlement Currencies: EUR, GBP, and USD Features Recurring Payments Solutions Online Payments Accepted Industries E-commerce, Financial Services, Gambling, Gaming, Hospitality, and Travel Social Link

ISX Financial UK Ltd offers a range of services including payment solutions, identity verification, and e-money solutions. As an electronic money institution, ISX Financial UK Ltd is authorized and regulated by the Financial Conduct Authority (FCA) in the United Kingdom. The company provides secure and efficient payment solutions for businesses and individuals. This includes the ability to send and receive payments domestically and internationally, as well as the option to hold and manage funds in multiple currencies. ISX Financial UK Ltd also offers identity verification services, which help businesses verify the identity of their customers. This can be useful in preventing fraud and ensuring compliance with regulatory requirements. Additionally, ISX Financial UK Ltd provides e-money solutions, allowing customers to store and manage electronic money. This can be done through digital wallets or prepaid cards, providing a convenient and secure way to make payments and manage funds. As an authorized and regulated institution, ISX Financial UK Ltd is subject to strict regulatory oversight. This ensures that the company operates in a safe and secure manner, protecting the interests of its customers. Overall, ISX Financial UK Ltd is a trusted provider of payment, identity, and e-money solutions, offering secure and efficient services to businesses and individuals. Social Link

Isignthis emoney ltd provides a range of services to online businesses, including identity management, payment processing, card acquiring, and payment gateways. These services help businesses securely manage customer identities and process payments online. As an electronic money institution, Isignthis emoney ltd is authorized and regulated by the Central Bank of Cyprus. This means that the company must adhere to strict regulations and standards to ensure the safety and security of customer funds and data. By partnering with Isignthis emoney ltd, online merchants can benefit from a comprehensive suite of services that streamline their operations and enhance the customer experience. The company’s solutions are designed to be flexible and scalable, allowing businesses to easily adapt to changing market conditions and customer demands. Overall, It  is focused on providing secure and efficient identity and payment solutions to online businesses, helping them to grow and succeed in the digital economy. Social Link

With Iorys, financial institutions can benefit from a wide range of features and capabilities. These include: 1. Core Banking System: Iorys provides a comprehensive core banking system that covers all the essential banking functionalities, such as customer management, account management, transaction processing, and reporting. 2. Payment Processing: The platform supports various payment methods, including SEPA, SWIFT, ACH, and card payments. It also enables real-time payments and integrates with third-party payment gateways. 3. Compliance and Risk Management: Iorys incorporates robust compliance and risk management features to ensure regulatory compliance and mitigate risks. It includes anti-money laundering (AML) and know your customer (KYC) modules, transaction monitoring, and risk assessment tools. 4. Multi-Currency Support: The platform supports multiple currencies, allowing financial institutions to offer services in different currencies and facilitate international transactions. 5. Cryptocurrency Integration: Iorys offers modules specifically designed for cryptocurrency exchanges and wallets. It enables seamless integration with popular cryptocurrencies like Bitcoin, Ethereum, and Ripple, allowing financial institutions to offer crypto-related services. 6. Lending and Credit Management: The platform includes modules for loan origination, credit scoring, and loan management. It supports various types of loans, such as personal loans, mortgages, and business loans. 7. Open Banking: Iorys supports open banking initiatives, allowing financial institutions to securely share customer data with third-party providers through APIs. This enables the development of innovative financial products and services. 8. Mobile and Online Banking: The platform provides mobile and online banking capabilities, allowing customers to access their accounts, make transactions, and manage their finances through web and mobile applications. 9. Reporting and Analytics: Iorys offers comprehensive reporting and analytics tools to provide financial institutions with insights into their operations, customer behavior, and performance. This helps in making data-driven decisions and improving business strategies. 10. Scalability and Customization: Iorys is highly scalable and can handle large volumes of transactions. It also offers customization options, allowing financial institutions to tailor the platform according to their specific requirements and branding. Overall, Iorys provides a flexible and comprehensive banking platform that empowers financial institutions to adapt to the evolving needs of the industry and offer innovative financial services to their customers. Social Link

Ingenico is a reputed Payment Service Provider (PSP) with more than three decades of experience in the payments industry. It has partnered with multiple acquiring banks around the world to provide its Merchants with the highest acceptance rates and optimized pricing strategy. Ingenico helps merchants with their local and global card acquisition in more than 170 countries and 150 currencies, plus over 150 alternative payment products, from direct debits and bank transfers to real-time banking, eWallets, and prepaid methods. We also provide a range of plugin and platform-specific integration tools. Its offering is centered around Technology, User Experience, Payment Capabilities, Financial Operations, Fraud Prevention and Expertise. It helps businesses process almost all types of cards, including traditional magnetic stripe, EMV chip cards, and NFC/contactless transactions such as Apple Pay. The Ingenico terminal offers multiple connection choices, includes a built-in printer for easy receipt printing, and provides a high-contrast, easy-to-read display screen. It can connect to existing POS systems using USB, serial, or Ethernet connections for seamless integration with merchants’ existing cash drawer and payment equipment. The PCI DSS-compliant terminals are designed to be tamper-resistant, and feature end-to-end encryption to protect cardholder data at every point in the transaction. This trusted technology partner for merchants, banks, acquirers, ISVs, payment aggregators, and fintech customers is the global leader in payment acceptance solutions. Year Founded: 1994 HQ Location: Hoofddorp, North Holland   Risk Appetite Risk AppetiteLow Risk ,RegulatedYes Features 3D Secure Processing,Cross Border Payments,Currency Conversion,Payouts,Real Time Payments,Recurring Payments,Refunds Solutions Acquiring,Blacklisting,Card Issuing,Card Vaulting,Cross-border Payments,Encryption,Fraud Prevention,Invoice Payments,Master Merchant Account,Mobile Checkout,Monitoring & Reporting,One-click Payment,Online Payments,Payment Gateway,Payment Tokenization,Point of Sale,Risk Management & Security,Virtual Terminal Accepted Industries E-commerce,Hospitality,Marketplaces,Travel Payment Options American Express,Apple Pay,Diners Club,Google Pay,JCB,Mastercard,Visa,Visa Electron Social Link

HoneyPay offers a range of services to help businesses accept online payments securely and efficiently. With our internet acquiring solution, businesses can easily integrate our payment gateway into their website or mobile app, allowing customers to make payments using various payment methods such as credit cards, debit cards, and e-wallets. One of the key advantages of using HoneyPay is our PCI DSS Level 1 Security Certification. This certification ensures that our payment processing system meets the highest security standards set by the Payment Card Industry Data Security Standard (PCI DSS). This means that all customer payment data is securely encrypted and stored, protecting it from unauthorized access or theft. In addition to security, HoneyPay also prioritizes confidentiality. We understand the importance of protecting sensitive customer information, and we have implemented strict measures to ensure that all data is handled with the utmost confidentiality. Our systems are regularly audited and monitored to ensure compliance with data protection regulations. By choosing HoneyPay as your internet acquiring partner, you can have peace of mind knowing that your customers’ payment information is safe and secure. Our reliable and efficient payment processing system will help streamline your business operations and provide a seamless payment experience for your customers.

HiPay  provides a range of payment solutions to businesses, including online payment processing, fraud prevention, and data analysis. The company offers a secure and reliable payment infrastructure that allows businesses to accept payments from customers around the world. HiPay ME’s payment solutions are designed to be flexible and customizable, allowing businesses to tailor their payment processes to their specific needs. The company supports a wide range of payment methods, including credit cards, e-wallets, and alternative payment methods. In addition to payment processing, HiPay ME also offers fraud prevention services to help businesses protect themselves against fraudulent transactions. The company uses advanced fraud detection algorithms and machine learning technology to identify and prevent fraudulent activity. HiPay ME also provides businesses with data analysis tools that allow them to gain insights into their payment processes. The company’s analytics platform provides businesses with detailed reports and real-time data, helping them to optimize their payment processes and improve their overall performance. As an electronic money institution, HiPay ME is authorized and regulated by the National Bank of Belgium. This ensures that the company operates in compliance with all relevant regulations and provides a secure and reliable payment service to its customers. Overall, HiPay ME offers businesses a comprehensive payment solution that combines secure payment processing, fraud prevention, and data analysis. With its flexible and customizable platform, the company is able to meet the unique needs of businesses of all sizes and industries. Social Link

Gravity Payments What is Gravity? Gravity Payments isn’t your typical payment processor. It’s the company that made headlines by setting a $70K minimum salary — and built a business around doing the right thing for small businesses. No hidden fees, no lock-in contracts, no corporate nonsense — just honest, transparent payment solutions built to help you grow. They’re here to make sure you keep more of what you earn. Built For Local businesses. Independent dreamers. People-first companies. Headquarters Seattle, Washington, USA What You Get Simple Payment Processing: In-store, online, mobile — all covered. Fair, Transparent Pricing: Flat rates. No surprise fees. Ever. Custom Support: Real humans. Real answers. Zero wait time. Integrations That Work: From Clover and Square to e-commerce and POS systems. Values-Driven: Business decisions guided by empathy, not just profit. Why Gravity Payments? Because they believe doing good is good business. Gravity is built for entrepreneurs who want clarity, honesty, and support — not corporate headaches. If you’re building something meaningful, they’re the payment partner that’s actually got your back.