Compare Payment Acquirers – TheFinRate Made It Quick and Easy

OvviPay

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With OvviPay, merchants can accept payments in-store, online, and on-the-go. Our solutions are compatible with all major point-of-sale systems, making it easy for merchants to integrate our services into their existing operations. We offer a range of payment options, including contactless payments, mobile wallets, and traditional card payments. In addition to payment processing, OvviPay also offers a suite of value-added services to help merchants streamline their operations and improve customer satisfaction. These services include inventory management, customer relationship management, and loyalty programs. Our goal is to provide merchants with the tools they need to grow their business and increase customer loyalty. At OvviPay, we understand that every business is unique, which is why we offer customized solutions tailored to each merchant specific needs. Our team of experts works closely with merchants to understand their goals and challenges, and then develops a payment processing solution that meets their needs. We pride ourselves on our exceptional customer service and support. Our dedicated team is available 24/7 to assist merchants with any questions or issues they may have. We also provide ongoing training and education to ensure that merchants are getting the most out of our services. Whether youre a small business owner or a large enterprise, OvviPay has the payment processing solutions you need to drive growth and increase profitability. Contact us today to learn more about how we can help your business succeed. Social Link

Acquiring Card Processing solutions Cards Credit cards Debit Cards

Oxygen

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Oxygen is a financial technology company that offers a comprehensive mobile banking platform for both personal and business finances. It provides a single app to manage your finances, offering features such as earning up to 6% on purchases, secure spending with virtual cards, and early payroll access. Oxygen is particularly supportive of first-time entrepreneurs, offering tailored benefits including up to 6% cashback, virtual cards for secure spending, and P2P transactions with Oxygen Friends. With different tiers of Oxygen Elements offering varying benefits, It presents a flexible and robust solution for modern banking needs. Year Founded: It was founded in May 2018. CEO: The CEO of Oxygen is David Rafalovsky. Headquarters: It is headquartered in Princeton, New Jersey, United States. Why choose Oxygen? Innovative Features: It offers innovative features like cashback rewards, virtual cards, savings goals and more. Ease of Use: it provides a seamless banking experience with an intuitive interface where you can manage both your personal and business banking. Expense Management: Oxygen’s intuitive expense management tools and real-time tracking capabilities in the personal account make it easier to monitor and control your spending compared to other platforms. Early Payday Access: With it, you can get your payroll two days earlier. Cashback Rewards: Oxygen offers up to 6% cashback on purchases. Social Link

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Oyster

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Oyster aims to simplify and streamline the process of opening a business account in Mexico. The traditional process of opening a business account in Mexico is often time-consuming and bureaucratic, requiring multiple visits to the bank and extensive paperwork. Oyster aims to change this by offering a fully digital and seamless onboarding process. With Oyster, entrepreneurs can open a business account in just a few minutes, without the need for physical visits to a bank branch. The platform uses advanced technology and data analytics to verify the identity of the business owner and assess the risk of the business. This allows Oyster to offer a fast and efficient onboarding process, while still ensuring compliance with regulatory requirements. Once the account is open, Oyster provides a range of financial services tailored to the needs of freelancers, startups, and SMBs. This includes features such as invoicing, expense tracking, and financial reporting. Oyster also offers integrations with popular accounting software, making it easy for businesses to manage their finances. In addition to its digital banking services, Oyster also aims to provide a community and support network for entrepreneurs. The platform will offer educational resources, networking events, and access to mentors and advisors. This will help entrepreneurs to grow their businesses and navigate the challenges of running a startup in Mexico. Overall, Oyster aims to be a one-stop solution for entrepreneurs in Mexico, providing them with the financial tools and support they need to succeed. By simplifying the process of opening a business account and offering a range of tailored financial services, Oyster aims to empower entrepreneurs and drive economic growth in Mexico. Social Link

Acquiring ApplePay B2B Accounts B2C Accounts Bank Account Openings

Ozan Ltd

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Ozan allows you to open USD, EUR, or GBP accounts at zero cost instantly. You can even pay with QR or create your own QR code to receive payments. Ozan also helps you receive and send money 24/7/365 or top up your account via debit/credit card or bank transfer. It (trading as Ozan) is a company incorporated in England (company number 09561722) with registered address at The Bower, 207-211 Old Street, London, England, EC1V 9NR. Ozan Limited is authorised by the Financial Conduct Authority in the United Kingdom under the Electronic Money Regulations 2011 (FRN 900482) for the issuance of electronic money. It is fully compliant to the stringent PCI DSS regulations. Its products provide personalized financial solutions for end-users and cater to all payment and collection needs of medium and large-scale businesses, as well as startups. Ozan Elektronik Para offers innovative solutions such as QR payments, link payments, virtual and physical POS systems, payment gateways, and dealer collections, with availability dependent on the jurisdiction. Social Link

Acquiring Card Processing solutions Card Programs Cards Crypto

Pace

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With Pace, customers can make purchases online or in-store and choose to pay in three equal instalments over a period of time. This allows them to spread out the cost of their purchase and avoid any financial strain.Pace offers a seamless and convenient payment experience. Customers can sign up for a Pace account and link their preferred payment method. When making a purchase, they simply select Pace as their payment option and the total amount is divided into three equal payments. The first instalment is paid at the time of purchase, while the remaining two instalments are automatically deducted from the customer linked payment method in the following months. There are no interest charges or hidden fees, making it a transparent and affordable payment solution. Pace also provides a user-friendly dashboard where customers can manage their payments, view upcoming instalments, and make early repayments if desired. This gives customers full control over their purchases and allows them to stay on top of their payments. In addition to being a convenient payment solution for customers, Pace also benefits merchants. By offering Pace as a payment option, merchants can attract more customers and increase their conversion rates. Pace handles all the payment processing and assumes the risk of non-payment, providing a hassle-free experience for merchants. Overall, Pace is a flexible and affordable payment solution that allows customers to shop with confidence and merchants to boost their sales. With no interest or hidden fees, customers can enjoy the convenience of spreading out their payments without any regrets. Social Link

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Paga

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This allows other businesses to integrate Paga payment and financial services into their own platforms, expanding the reach and accessibility of these services. Paga offers a range of services to consumers, including the ability to send and receive money, pay bills, buy airtime and data, and make online and offline purchases. Consumers can access these services through it’s mobile app, website, or by visiting one of it’s network of agents, who are typically small businesses or individuals that have partnered with Paga to offer these services in their local communities. For sellers, It provides a range of tools to help them manage their businesses more efficiently. This includes the ability to accept payments from customers using Paga mobile app or website, as well as access to financing through Paga partner banks and financial institutions. Paga APIs allow third-party partners to integrate it’spayment and financial services into their own platforms. This enables businesses in various industries, such as e-commerce, transportation, and utilities, to offer Paga services to their customers, expanding the reach and accessibility of these services. Overall, It is helping to drive the adoption of digital payments and financial services in Africa, providing consumers and businesses with convenient and secure ways to transact and access financial services. Social Link

3d secure payment gateway Acquiring API integration Card providers Cards

Pahela

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With Pahela Money, users can easily send and receive money from friends and family, pay bills, and transfer funds between accounts. The app also provides a virtual debit card that can be used for online and offline purchases, making it convenient for users to shop and make payments. One of the key features of Pahela Money is its remittance service. Users can send money to their loved ones abroad quickly and securely, without the need for traditional remittance methods. The app also offers competitive exchange rates and low fees, making it an affordable option for international money transfers. Pahela Money also aims to simplify the banking experience by automating various actions. Users can set up recurring payments for bills, schedule fund transfers, and even create savings goals with automatic transfers. This helps users stay on top of their finances and save time by eliminating the need for manual actions. Security is a top priority for Pahela Money. The app uses advanced encryption technology to protect user data and transactions. Users can also set up biometric authentication, such as fingerprint or facial recognition, for added security. Overall, Pahela Money aims to provide a seamless and convenient banking experience for users in emerging markets. With its digital virtual debit cards, remittance service, and automation features, Pahela Money is revolutionizing the way people manage their finances. Social Link

Acquiring Card providers Cards Crypto Debit Cards

PaidYET

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PaidYET payment solution and POS system is designed to streamline the payment process for both businesses and consumers. With the customized payment link, businesses can easily send payment requests to their customers via email or text, or share the link online. This eliminates the need for customers to manually enter their payment information, making the payment process quick and convenient. The pay page feature allows businesses to customize the payment page with their logo and line item details. They can also offer early-pay discounts to incentivize customers to pay early. This customization helps businesses maintain their branding and provide a seamless payment experience for their customers. PaidYET is fully PCI compliant, ensuring that all payment transactions are secure and protected. The platform uses bank-level security measures to safeguard customer data and prevent unauthorized access. In addition to its payment solution, PaidYET also offers an e-wallet feature for consumers. This allows customers to securely store their payment information and make one-click payments without having to share their payment details with merchants. This provides an added layer of security and convenience for consumers. Overall, PaidYET payment solution and POS system offers businesses a secure and customizable way to accept payments, while providing consumers with a convenient and secure payment experience. Social Link

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PandaPay

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PandaPay understands that payment processing is a critical aspect of any business, and aims to provide merchants with the tools and support they need to succeed. The company offers a range of services, including credit card processing, mobile payments, and online payment solutions. One of the key features of PandaPay is its dedication to personalized care. The company assigns each merchant a dedicated account manager who is available to provide ongoing support and assistance. This personalized approach ensures that merchants receive the attention and guidance they need to optimize their payment processing and grow their business. In addition to personalized care, PandaPay also offers education and resources to help merchants make informed decisions about their payment processing. The company provides merchants with access to a wealth of information, including articles, guides, and webinars, to help them understand the ins and outs of payment processing and make the best choices for their business. PandaPay also prides itself on its world-class service and support. The company has a team of experienced professionals who are available to assist merchants with any questions or issues they may have. Whether it troubleshooting a technical problem or providing guidance on how to optimize payment processing, PandaPay is committed to providing merchants with the highest level of service. Overall, PandaPay aims to create a fair and stable environment for business owners to thrive. By offering personalized care, education, and world-class support, the company helps merchants maximize their profits and build a strong foundation for their business. Social Link

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Pane Labs

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Pine Labs offers a range of products and services to merchants, including: 1. Point of Sale (POS) Solutions: Pine Labs provides POS terminals that enable merchants to accept various payment methods, including credit and debit cards, mobile wallets, and QR code payments. These terminals are equipped with advanced features such as contactless payments and EMV chip card acceptance. 2. E-commerce Solutions: Pine Labs offers online payment gateways and e-commerce solutions that enable merchants to accept payments on their websites or mobile apps. These solutions support multiple payment methods and provide a seamless checkout experience for customers. 3. Loyalty and Gift Card Solutions: Pine Labs helps merchants implement loyalty programs and gift card solutions to enhance customer engagement and drive repeat business. Merchants can create customized loyalty programs and issue digital or physical gift cards that can be redeemed at their stores. 4. Analytics and Insights: Pine Labs provides merchants with data analytics and insights to help them understand customer behavior, identify trends, and make informed business decisions. Merchants can access real-time reports and dashboards that provide valuable information on sales, customer demographics, and transaction patterns. 5. Financing Solutions: Pine Labs offers financing solutions to merchants, including working capital loans and merchant cash advances. These financial products help merchants manage their cash flow and invest in their business growth. 6. Integration with Third-Party Services: Pine Labs integrates with various third-party services, such as accounting software, inventory management systems, and customer relationship management (CRM) tools. This integration enables merchants to streamline their operations and improve efficiency. Overall, Pine Labs aims to empower merchants with technology and financial solutions that enable them to provide a seamless and convenient payment experience to their customers. By leveraging data and insights, Pine Labs helps merchants optimize their operations and drive growth in the competitive retail landscape. Social Link

3d secure payment gateway Acquiring API integration ApplePay Card Processing solutions

OneDeck

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Short-term loans from OnDeck are designed to provide businesses with quick access to capital for immediate needs. These loans have a fixed term, typically ranging from 3 to 36 months, and are repaid through regular fixed payments. The loan amount can range from $5,000 to $500,000, depending on the business’s needs and qualifications. Revolving lines of credit, on the other hand, provide businesses with a flexible source of funding that can be used as needed. With a revolving line of credit, businesses can borrow up to a predetermined credit limit and repay the borrowed amount over time. The credit limit can range from $6,000 to $100,000, and businesses only pay interest on the amount they borrow. To qualify for a loan or line of credit from OnDeck, businesses need to meet certain requirements. These requirements include having a minimum credit score of 600, being in business for at least one year, and having annual revenue of at least $100,000. OnDeck also considers other factors such as the business’s cash flow and industry when evaluating loan applications. OnDeck’s application process is streamlined and can be completed online. Businesses can receive a decision on their loan application within minutes and, if approved, can receive funding as soon as the next business day. Overall, OnDeck provides small businesses and entrepreneurs with accessible and flexible financing options to help them grow and succeed. Social Link

Acquiring Financial Institution Green Loans Merchant Accounts

As an electronic money institution, One Finance Britain Ltd offers e-wallets, which are digital accounts that allow users to store and manage their money electronically. These e-wallets can be accessed through a mobile app or website, providing users with a convenient and secure way to make payments, transfer money, and track their spending. In addition to e-wallets, One Finance Britain Ltd also provides payment cards, which are linked to the user’s e-wallet account. These payment cards can be used for online and in-store purchases, as well as cash withdrawals from ATMs. One Finance Britain Ltd is authorized and regulated by the Financial Conduct Authority (FCA), which ensures that the company operates in compliance with the relevant regulations and safeguards the interests of its customers. This regulatory oversight provides customers with confidence in the security and reliability of One Finance Britain Ltd’s services. Overall, It  aims to provide individuals and businesses with convenient and secure electronic payment solutions, making it easier for them to manage their finances and make transactions in today’s digital world. Social Link

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Ready for PCI DSS, EMV, ISO 8583, and GDPR standards.

Why Businesses Struggle with Payment Acquirers

Finding the right payment acquirer should be simple, but for most businesses, it’s filled with unclear fees, settlement delays, and compliance challenges.

Most businesses face problems such as:

Why Choosing the Right Payment Acquirer Matters

Your payment acquirer is the foundation of your transaction ecosystem — every card payment, online order, and recurring charge depends on it.

Choosing the wrong acquirer means slow settlements, higher MDRs, and compliance headaches. The right one boosts reliability, speeds up cash flow, and builds customer confidence.

How TheFinRate Helps You Compare Payment Acquirers with Ease

Our mission is simple — to help businesses discover trusted, compliant, and High-Performing Payment Acquirers.

We make it effortless to compare providers based on what really impacts your operations:

Compliance & Security Assured

Only acquirers that meet global standards like PCI DSS, EMV, and GDPR are featured.

Transparent Fees & Clear Costs

Understand MDRs, setup charges, and interchange fees upfront with no hidden surprises.

Faster Settlements, Smarter Choices

Compare real payout speeds (T+0 to T+3) and optimize cash flow for your business.

Global Reach with Reliable Support

Identify acquirers that handle multi-currency transactions, cross-border payments, and efficient dispute resolution.

With TheFinRate, you gain clarity, control, and confidence — all in one place.

Easy Comparison of Payment Acquirers

Why spend weeks analyzing contracts when you can get a full picture in minutes?

Our comparison dashboard helps you view:

This way, you’re not guessing — you’re choosing the best acquirer for your financial workflow.

Who Gains Benefits from Payment Acquirer Comparisons

Our platform helps everyone involved in payment decision-making:

Why Trusted Payment Acquirers Build Better Businesses

A payment acquirer is more than a vendor — it’s your financial partner.

Businesses that take acquiring seriously gain more financial control, smoother operations, and higher customer confidence.

Businesses of All Sizes Trust Us

From startups to global enterprises, thousands of businesses rely on TheFinRate to find acquirers that match their goals.

Compliance Assured: PCI DSS | EMV | SSL Encryption | GDPR | Verified Acquirers

 

Frequently Asked Questions (FAQs)

A payment acquirer is a financial institution or provider that processes card payments on behalf of merchants. It connects your business to card networks, ensuring secure authorization and settlement of transactions.

A payment gateway securely transmits transaction data between your website and the bank, while a payment acquirer is the one that actually processes and settles the funds. Think of the gateway as the “messenger” and the acquirer as the “bank partner.”

Yes. Verified acquirers comply with PCI DSS, EMV, and GDPR standards, ensuring your transactions are encrypted, authenticated, and protected against fraud.

Yes! Many businesses today use multi-acquirer setups for redundancy and to optimize transaction success rates — for example, routing domestic transactions through one acquirer and international ones through another.

Absolutely. You can change acquirers anytime your business needs evolve — for example, if you require faster settlements, better global coverage, or improved MDR rates. Our comparison tool helps you evaluate and switch confidently.