Card acquiring
How Paynetics adds value:
flexible multi-channel solutions
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Introduction
Card acquiring has become vastly more complex in the last twenty years. Commerce has seen the lines between digital and physical become more and more blurred. As part of its goal of providing an end-to-end payments solution for its clients, Paynetics has developed a suite of genuinely omnichannel products which can support businesses, wherever and however they trade. We offer a range of flexible acquiring solutions for brick-and-mortar and online merchants, including the first purely software Point of Sale, which enables hardware-free contactless payments directly on Android phones. We provide efficient onboarding and quick underwriting, powerful and easy-to-integrate APIs, advanced anti-fraud technology and tailored analytics and reporting. We’re here to make card acquiring simpler, faster and more efficient for our partners and their customers.
Omnichannel
We provide card acceptance solutions for any environment – online, in-store or on-the-go via your phone
Diverse
We serve a wide range of verticals – retail, digital products, forex, cryptocurrency, and many more
End-to-end
We offer a full-spectrum of associated services – eWallet accounts, IBANs and card issuing
some of our clients
The benefits of working with Paynetics as a card acquirer
Paynetics makes things easier for merchants with a comprehensive suite of acquiring services, including merchant on-boarding, PCI DSS compliance, fraud prevention, dispute and risk management, tailored for each specific business model. It provides a fully PCI DSS complaint payment platform which is easily integrated into online shops and which gives them a one-stop solution for eCommerce, mCommerce, eWallet and industry specific alternative payment channels.
- Bespoke approach - we design end-to-end solutions for our clients to meet their needs - from your cashier model to card acceptance management for pay-in and pay-out
- Quick underwriting – we offer an optimized and streamlined merchant underwriting process and quick transaction acceptance, giving a competitive edge to our partners
- Multicurrency merchant account – we empower our partners to accept foreign currency payments without currency conversions in all common settlement currencies and provide clients with access to multicurrency account via their wallet
- Daily monitoring – tailor-made analytics tools and comprehensive reporting options
- Dedicated account manager – support the ever evolving business of our partners
- Powerful APIs – convenient and easy-to-integrate API for e-commerce and eWallet top-ups
- Advanced anti-fraud – industry-leading levels of fraud-detection and anti-fraud technology
- Multiple connectivity options:
- Direct connection to our processing switch with equensWorldline
- Direct merchant boarding on our gateway
- Gateway to Gateway integration
- Charback and risk management – our team will work to find the best solution for your business to help mitigate fraud risks and boost sales at the same time. Our risk solutions are adapted to your business model and help you increase your sale potential while staying compliant with card schemes requirements.
Omnichannel solutions
At Paynetics we are working closely with the retailers who are building multiple different shopping experiences for their customers, online, in-store, and on-the-move. We make sure that in each of these environments there is a reliable payment terminal to finalize the customer journey.
The world of commerce has evolved and omnichannel card acceptance has become a must for merchants in order for them to stay competitive. The payment industry, on the other side, is still lagging behind with legacy structure in place where monoline specialisation has been the norm for a long time.
We have looked at the acquiring process from a different perspective by designing a central hub to serve all the card acceptance needs. These include online digital payments where our virtual POS solutions allow our e-commerce partners to benefit from the built-in risk management and reporting functionalities, as well as multi-currency and settlement flexibility. But it also covers the needs of partners who need certified POS terminals that come with fast onboarding experience for their merchants. Here we have focused on the latest technology Android based POS, which offer a variety of additional services for the merchants. In the spirit of going above and beyond, we have partnered with the first ever pure software Point of Sale terminal, that allows merchants to start accepting payments directly on any Android-phone, without any additional hardware.
A product portfolio that scales with you
We have a broad product set at our disposal and we make that available to all of our partners and the merchants that they support. They enjoy the convenience and benefits of comprehensive payment services from a single source.
To our merchants we offer the possibility to open individual fully functional IBAN Accounts. The use of a Paynetics IBAN account creates a number of advantages for our PSP partners and direct merchants. For merchants, we use their IBAN accounts for directing the sale proceeds, which speeds up the settlement process and reduces the time to cash. Our PSP partners use the account for settlement with the merchants they manage. Having all the payment solution in one place increases efficiency and removes friction.
Our API Platform allows our partners to automate their IBANs transfers and to receive real-time information about transfers and balances. Our platform is a highly configurable and feature-rich end-to-end banking and payments solution, which empowers our clients to build their propositions and to efficiently monitor and manage their payments.
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