Compare Payment Acquirers – TheFinRate Made It Quick and Easy

Four

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Four offers a range of payment solutions for both online and in-store purchases. Their flagship product is a buy now, pay later option that allows customers to split their purchase into four equal payments, with the first payment due at the time of purchase and the remaining three payments due every two weeks. Four also offers a purchase specific financing option, which allows customers to finance larger purchases over a longer period of time. This option is ideal for customers who want to make a big-ticket purchase but prefer to spread out the payments over several months. In addition to their payment solutions, Four provides retailers with a suite of tools and features to help them manage their payments and increase sales. This includes real-time reporting and analytics, customizable payment plans, and integration with popular eCommerce platforms. Four’s payment solutions are designed to be seamless and easy to use for both retailers and customers. They aim to provide a frictionless checkout experience, increase conversion rates, and drive customer loyalty. Overall, Four is a payment service and technology company that specializes in buy now, pay later and purchase specific financing options. They provide retailers with the tools and solutions they need to offer flexible payment options to their customers, ultimately driving sales and customer satisfaction. Social Link

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Foxpay, UAB

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As an electronic money institution, Foxpay, UAB specializes in providing payment terminals. They offer services related to electronic money, allowing customers to make payments and manage their funds electronically. In 2020, Foxpay, UAB had a total of 409,000.00 EUR in customer funds that needed to be safeguarded. This means that they held this amount of money on behalf of their customers, ensuring its security and availability. During the same year, Foxpay, UAB generated a gross profit of 428,000.00 EUR. This indicates the total revenue they earned from their operations before deducting any expenses. Foxpay, UAB is incorporated in Lithuania and operates under the authorization and regulation of the Bank of Lithuania. This means that they are subject to the rules and regulations set by the central bank to ensure the safety and stability of the financial system. Social Link

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Finablr

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Finablr’s payment services include cross-border remittances, foreign exchange, bill payments, and mobile wallet solutions. The company operates through various brands, including Travelex, UAE Exchange, Xpress Money, and Remit2India, among others. Through its extensive network of retail stores, digital channels, and partnerships with banks and financial institutions, Finablr aims to make financial services accessible and convenient for individuals and businesses worldwide. The company’s technology platform enables seamless integration with various payment networks, ensuring fast and secure transactions. Finablr is committed to providing reliable and transparent financial solutions, with a focus on compliance and regulatory standards. The company’s robust risk management framework ensures the security of customer funds and data. Overall, Finablr’s comprehensive suite of payment services, supported by its advanced technology platform and global network, positions it as a leading player in the payments industry. The company continues to innovate and expand its offerings to meet the evolving needs of customers in an increasingly digital and interconnected world. Social Link

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Finance Incorporated Limited is an electronic money institution that specializes in providing payment cards and e-wallets. They offer personal accounts with IBAN, as well as business accounts with IBAN. These accounts are designed to cater to the needs of both individuals and business entities. In addition to their account services, Finance Incorporated Limited also provides payment cards to their customers. These payment cards can be used for various purposes, such as making purchases online or in-store, withdrawing cash from ATMs, and transferring funds. Finance Incorporated Limited is incorporated in Malta and is authorized and regulated by the Malta Financial Services Authority. This regulatory oversight ensures that the institution operates in compliance with the necessary financial regulations and safeguards the interests of its customers. Overall, It aims to provide convenient and secure financial services to individuals and businesses through their range of payment cards and e-wallets. Social Link

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Financial House Limited is an electronic money institution that specializes in banking and payment infrastructure. It operates in the United Kingdom and is authorized and regulated by the Financial Conduct Authority. As of 2019, It had total assets amounting to 6.64 million GBP. This indicates the value of the company’s assets, including cash, investments, and other holdings. Being an electronic money institution, Financial House Limited likely provides services related to electronic money, such as issuing prepaid cards, facilitating online payments, and offering digital wallets. These services are typically conducted through electronic platforms and do not involve traditional banking activities like lending or accepting deposits. As an authorized and regulated entity, Financial House Limited is subject to the oversight and supervision of the Financial Conduct Authority. This regulatory body ensures that the company operates in compliance with relevant laws and regulations, protecting the interests of consumers and maintaining the integrity of the financial system. Social Link

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Finastra

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Finastra’s payment solutions are designed to help financial institutions streamline their payment processes, reduce costs, and improve customer experience. The company offers a range of payment solutions, including: 1. Payment Hub: Finastra’s Payment Hub is a centralized platform that enables financial institutions to manage all types of payments, including domestic and international payments, in real-time. The Payment Hub provides a single view of all payment transactions, allowing financial institutions to monitor and control payment flows more effectively. 2. Instant Payments: Finastra’s Instant Payments solution enables financial institutions to offer real-time payment capabilities to their customers. The solution supports instant payments schemes such as SEPA Instant, Faster Payments, and TCH RTP, allowing financial institutions to provide faster and more convenient payment services. 3. Open Banking Payments: Finastra’s Open Banking Payments solution helps financial institutions comply with open banking regulations and enables them to offer new payment services to their customers. The solution provides APIs and integration capabilities that allow financial institutions to connect with third-party payment service providers and offer innovative payment solutions. 4. Cross-Border Payments: Finastra’s Cross-Border Payments solution helps financial institutions streamline their cross-border payment processes and reduce costs. The solution provides access to a global network of correspondent banks and payment service providers, allowing financial institutions to offer competitive foreign exchange rates and faster settlement times. 5. Fraud Prevention: Finastra’s Fraud Prevention solution helps financial institutions detect and prevent fraudulent payment transactions. The solution uses advanced analytics and machine learning algorithms to identify suspicious payment patterns and behaviors, allowing financial institutions to take proactive measures to prevent fraud. Overall, Finastra’s payment solutions are designed to help financial institutions adapt to the changing payment landscape, meet customer expectations, and drive innovation in the industry. Social Link

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Finch

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Finch is a unique checking and investing account that offers a range of features to help users grow their money. One of the standout features of Finch is that the entire balance in the account is automatically invested, allowing users to potentially earn higher returns on their money compared to traditional checking accounts. In addition to automatic investing, Finch also provides users with instant access to their balance. This means that users can easily withdraw or transfer funds whenever they need to, without any delays or restrictions. Another key feature of Finch is its personalized investment recommendations. The platform uses advanced algorithms to analyze users’ financial goals, risk tolerance, and investment preferences, and then provides tailored investment recommendations to help users make informed decisions. Overall, Finch offers a unique combination of checking and investing features, making it a convenient and efficient way for users to manage their money and potentially grow their wealth. Social Link

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Finical

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Finical also offers a variety of reporting and analytics tools to help its customers track and analyze their payment data. These tools can provide valuable insights into customer behavior and help businesses make informed decisions. Additionally, Finical offers competitive pricing and transparent fee structures, ensuring that its customers get the best value for their money. With Finical, businesses can streamline their payment processes, improve security, and enhance the overall customer experience. Social Link

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Finix

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Finix is a forward-thinking payments technology company founded in 2016 and headquartered in San Francisco, California. Under the leadership of CEO Richie Serna, Finix provides businesses with a robust platform to manage their payment operations seamlessly. Their solutions include intuitive APIs and a suite of features designed to facilitate both online and in-person transactions. By focusing on creating a seamless payment experience, Finix helps businesses enhance customer engagement and drive growth. Their commitment to innovation and reliability makes them a trusted partner for companies looking to streamline their payment processes and scale efficiently. Year Founded: Finix was established in 2016, marking the beginning of its journey in the payments technology industry. Since its inception, the company has focused on developing innovative solutions to streamline payment operations for businesses of all sizes. CEO: Richie Serna is the CEO of Finix. His leadership and vision have been pivotal in driving the company’s growth and success. With a strong background in technology and finance, Richie has steered Finix towards becoming a trusted name in the payments sector, known for its customer-centric approach and cutting-edge solutions. Headquarters: Finix is headquartered in San Francisco, California, a hub for technology and innovation. Being based in such a dynamic environment allows Finix to stay at the forefront of industry trends and continuously innovate to meet the evolving needs of its clients. Why Choose Finix? Innovative Technology: Finix provides a state-of-the-art platform with intuitive APIs and a comprehensive suite of features. This technology simplifies the process of managing both online and in-person transactions, making it easier for businesses to handle payments efficiently. Customer-Centric Approach: Finix places a strong emphasis on creating a seamless payment experience. By focusing on customer engagement and satisfaction, it helps businesses build stronger relationships with their clients, leading to increased loyalty and repeat business. Scalability: Whether you’re a startup or a large enterprise, Finix’s solutions are designed to grow with your business. The platform is flexible and scalable, ensuring that you have the tools you need at every stage of your business’s development. Reliability: Finix’s platform is built for efficiency and reliability, ensuring that your payment processes run smoothly. This reduces operational headaches and allows you to focus on other important aspects of your business. Leadership: Under the guidance of CEO Richie Serna, Finix is committed to continuous innovation and excellence. The company’s leadership ensures that it stays ahead of industry trends, offering new features and improvements to meet the evolving needs of its clients.

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Finom

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With Finom, entrepreneurs can easily manage their finances, track expenses, and generate financial reports. Our accounting software automates bookkeeping tasks, saving time and reducing the risk of errors. Users can also create and send professional invoices, track payments, and manage cash flow. Finom’s financial management tools provide real-time insights into business performance, allowing entrepreneurs to make informed decisions. Users can set budgets, monitor expenses, and analyze financial data to identify areas for improvement. Our forecasting feature helps businesses plan for the future and make strategic decisions. In addition to accounting and financial management, Finom offers a business account that integrates seamlessly with the other features. Users can easily send and receive payments, manage multiple currencies, and access their account from anywhere. Finom is designed to be user-friendly and accessible to entrepreneurs with little to no financial expertise. Our intuitive interface and step-by-step guides make it easy to navigate and use all the features. We also provide customer support to assist users with any questions or issues they may have. Overall, Finom is a comprehensive financial solution for entrepreneurs and small to medium-sized enterprises. By bringing together accounting, financial management, and a business account, we aim to simplify financial processes and empower businesses to thrive. Social Link

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FIN-PAY

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FIN-PAY’s payment gateway technology is designed to simplify and streamline the payment process for businesses of all sizes. By consolidating payments across various channels, including cards, QR codes, cryptocurrencies, SMS, buy now pay later (BNPL), and digital assets, FIN-PAY enables merchants to offer their customers a wide range of payment options. One of the key features of FIN-PAY’s technology is its unified payments platform, which allows merchants to manage all their payment transactions from a single dashboard. This consolidated view provides complete visibility over transactions, making it easier for businesses to track and reconcile payments. In addition to its payment gateway capabilities, iT also offers the ability for merchants to issue branded debit and credit cards. This feature allows businesses to enhance their brand presence and provide their customers with a seamless payment experience. To get started with FIN-PAY, merchants only need to go through a one-time onboarding process. This streamlined onboarding process ensures that businesses can quickly start accepting payments and benefit from FIN-PAY’s comprehensive payment technology. Overall, It’s payment gateway technology provides businesses with a simple, cost-effective, and fast solution for accepting payments across multiple channels. With its unified payments platform and additional features like branded cards, FIN-PAY is well-positioned to meet the evolving needs of merchants in today’s digital economy. Social Link

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Fintech Valley Ltd

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As an electronic money institution, Fintech Valley Ltd offers IBAN accounts to its customers. These accounts allow individuals and businesses to hold and manage their funds electronically. IBAN accounts are widely used for international transactions and provide a convenient way to send and receive money across borders. In 2020, It reported total assets of 10,221.00 GBP. This figure represents the total value of the company’s assets, including cash, investments, and other financial holdings. Fintech Valley Ltd is incorporated in the United Kingdom and operates under the regulatory oversight of the Financial Conduct Authority (FCA). The FCA is responsible for ensuring that financial institutions comply with relevant regulations and provide a safe and secure environment for customers. By being authorized and regulated by the FCA, Fintech Valley Ltd demonstrates its commitment to operating in a transparent and compliant manner. This regulatory oversight helps to protect customers and maintain the integrity of the financial system. Overall, Fintech Valley Ltd’s focus on providing IBAN accounts and its regulatory authorization make it a reliable and trustworthy option for individuals and businesses looking for electronic money services.

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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.