Payment Processor

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  DECTA

  62 Bayswater Road, London, England W2 3PH, United Kingdom

  DECTA is a global payment processing company and FinTech specialist that provides end-to-end payment infrastructure. Its full-stack platform covers acquiring, issuing, and processing, enabling businesses to accept card payments, manage merchant accounts, and integrate digital payment methods such as Mastercard, Visa, and Apple Pay. DECTA positions itself as a “bespoke-as-standard” provider, offering tailored solutions for merchants, fintechs, and banks while maintaining flexibility and scalability. The company’s service portfolio includes a white-label payment gateway, cloud-based processing, and seamless integration into the global payments ecosystem. DECTA operates under Authorised Electronic Money Institution Licences issued by regulators in the UK, Ireland, and Cyprus, and holds PCI DSS Level 1, ISO 27001, and ISO 9001:2015 certifications as a processor for Mastercard, Visa, and UnionPay International. The company emphasises transparency, security, and long-term partnerships, aiming to simplify complex payment flows so that its customers can focus on growth.

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  CryptoProcessing by CoinsPaid

  Tallinn, Estonia

  CryptoProcessing by CoinsPaid provides a white-label crypto payment gateway enabling businesses to accept, convert, and settle cryptocurrency payments without exposing themselves to volatility or regulatory complexity. Backed by its parent company CoinsPaid, which has processed over €9 billion in transaction volume since 2014, the platform supports more than 20 major cryptocurrencies and offers instant fiat conversion, automated settlement to bank accounts, and pre-built plugins for popular e-commerce platforms like WordPress and Magento. The service is widely used in iGaming, e-commerce, and digital services, particularly for high-volume cross-border transactions. Headquartered in Tallinn, Estonia, and employing 51–200 people, CryptoProcessing positions itself as a bridge between blockchain payments and traditional financial infrastructure, with PCI DSS Level 1 certification and robust AML/KYC compliance.

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  Bankera

  Vilnius, Lithuania

  Bankera is a modern internet-based banking platform that provides a full suite of payment and account services to individuals and businesses without operating as a traditional licensed bank. Positioned as a “bank account alternative,” the platform issues dedicated European IBANs (International Bank Account Numbers) and facilitates both SEPA and SWIFT international money transfers. Customers can also order physical and virtual debit cards linked to their accounts. The company launched its online banking platform in early 2020, initially offering payment accounts, with plans to roll out additional products such as loans and more advanced card features over time. Bankera’s model sits within the neobank/fintech category, relying on partner banking infrastructure to deliver regulated financial services while focusing on a digital-first user experience. The service is aimed at both retail consumers and business clients who need fast, low-cost cross-border payments and a straightforward online account. Although Bankera describes itself as a neobank for the “digital era,” it does not hold a banking license itself; instead, it operates as a technology layer that connects users to licensed banking partners. The company’s roadmap includes expanding into lending and other financial products, all accessible through its central internet banking interface.

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  Baer's Crest (Canada) Inc.

  3200 – 650 West Georgia Street, Vancouver, British Columbia V6B 4P7, Canada

  Baer’s Crest (Canada) Inc. is a licensed financial entity that provides specialized payment processing solutions and financial services for businesses operating in challenging or higher-risk industries, including the iGaming and online gambling sectors. Founded in 2020 and headquartered in Vancouver, British Columbia, the company positions itself as a partner for merchants that require reliable transaction handling where traditional banking relationships may be difficult to secure. Its platform supports three primary integration methods—hosted page, server‑to‑server, and web services—allowing clients to embed payment options directly into their websites or applications. Baer’s Crest is a small operation (estimated team of 2–5 employees) yet it serves a global client base, with its solution listed on prominent iGaming supplier directories. The company’s contact email (ludo@baerscrest.com) points to founder Ludovic Vuillier as the key point of leadership. While the firm does not publicly disclose its own proprietary brand names for its products, it has a simple, service‑oriented offering focused on adapting to merchants’ specific financial requirements, with a stated mission to foster stability, fuel growth, and inspire innovation within the electronic payments space.

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  AptPay Inc.

  Toronto, Ontario, Canada

  AptPay Inc. is a Canadian fintech company founded in 2019 in Toronto, Ontario, that specializes in account-to-account (A2A) payment processing. The company offers businesses a unified platform for real-time money movement between bank accounts, consolidating multiple payment rails—including ACH, Interac e-Transfer, instant payment networks, and open banking—into a single API-driven interface via its proprietary Orchestration Engine. Its product suite includes Pay-by-Bank for accepting direct bank payments, Pay-to-Bank for instant disbursements, bank account verification, and real-time KYC identity checks. AptPay serves industries where fast, low-cost, and compliant payment flows are critical, with a particular focus on iGaming, online gambling, and digital asset platforms. The company has gained notable traction in the cryptocurrency sector, partnering with Binance.US to expand fiat on-ramp and off-ramp capabilities nationwide. Privately held and unfunded, AptPay operates with a lean team of 11–50 employees and positions itself as a nimble, security-focused alternative to traditional processors like Stripe or Global Payments. Its leadership includes CEO Shams Syed, Chairman Suganthan Vishnu Krisnarajah, and a team of experienced executives in compliance, technology, and growth.

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  AcerPay

  Level 20, 201 Sussex Street, Sydney, New South Wales 2000, Australia

  AcerPay is a B2B payment gateway that positions itself as a comprehensive, one-stop payment solution for online merchants operating in high-risk verticals, especially iGaming, Forex, and cryptocurrency. The platform is designed to handle the complexities of real-time, high-volume transactions across multiple Asian markets, claiming an average success rate of over 80%. With a stated client base of more than 300 merchants and access to over 100 banks and payment methods, AcerPay enables businesses to accept deposits and process withdrawals through a single API integration. The company’s core value proposition lies in its ability to support local payment preferences across emerging and fast-growing economies. Its currently listed markets include Malaysia, Thailand, India, Brazil, Philippines, Indonesia, Vietnam, and Singapore. AcerPay supports a wide range of payment methods, from internet banking and mobile banking to eWallets and QR payments. The platform also provides a real-time dashboard for transaction monitoring, settlement management, and reporting, alongside 24/7 multilingual customer support. AcerPay explicitly prohibits fraudulent activities such as pig-butchering schemes and multi-level marketing scams, indicating a focus on compliance and risk management. The company offers its services directly to merchants, through payment service providers (PSPs), and via agents, leveraging its regional processing networks to facilitate local and cross-border settlements.

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  Akurateco

  Lisbon, Portugal

  Akurateco is a B2B white-label payment software vendor headquartered in Lisbon, Portugal, founded in 2019 by Andrew Riabchuk, who built a payment gateway prototype as a student. The company provides a fully brandable, PCI DSS-compliant payment orchestration platform that helps payment service providers, banks, and enterprise merchants launch or upgrade their payment infrastructure quickly. Akurateco's platform includes over 650 pre-integrated payment connectors across traditional and alternative methods worldwide, smart routing and cascading for higher approval rates, fraud management, and a unified dashboard. A notable differentiator is the 'Payment Team as a Service' model, where dedicated experts handle operational and compliance tasks. The company reports 99.99% uptime and claims up to 20% higher approval rates and 25% lower processing costs. Akurateco has grown organically without external funding and serves clients across Europe, Latin America, Africa, and Asia.

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  Amazon

  Seattle, Washington, USA

  Amazon.com, Inc., founded by Jeff Bezos on July 5, 1994, in Bellevue, Washington, began as an online bookstore operating out of Bezos’s garage. Originally named Cadabra, Inc., the company quickly rebranded to Amazon, inspired by the Amazon River’s scale. Within a year, Amazon launched its website and went public in 1997. It rapidly expanded beyond books into music, videos, electronics, and eventually every retail category, earning the nickname “The Everything Store.” Key milestones include the introduction of Amazon Prime in 2005 (subscription service with free shipping and later streaming), the Kindle e‑reader in 2007, and the launch of Amazon Web Services (AWS) in 2006, which now dominates cloud computing and generates a majority of Amazon’s operating profit. The company has made major acquisitions, including Whole Foods Market (2017), MGM Studios (2022), and Zoox (autonomous vehicles). Today, Amazon is one of the world’s most valuable companies by market capitalization, with a workforce of approximately 1.576 million employees as of 2025. Its dual headquarters are in Seattle, Washington, and Arlington, Virginia. Amazon’s mission is to be “Earth’s most customer‑centric company,” and it continues to invest heavily in artificial intelligence, satellite internet (Project Kuiper), healthcare (One Medical), and digital advertising. The company is led by founder Jeff Bezos (executive chairman) and CEO Andy Jassy.

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  VallettaPay

  Liverpool, United Kingdom

  VallettaPay is a UK-headquartered payment services provider founded in 2016 that specialises in multi-currency IBANs and cross-border payment solutions for international online businesses. Established by childhood friends David Zammit and Colin Jones, the company originally operated as a card processing firm before evolving into a global payments platform. Its core offering is a single, dedicated multi-currency IBAN account that enables corporate clients—particularly in iGaming, e-commerce, and high-net-worth sectors—to receive, hold, and manage funds in multiple currencies without the complexity of separate banking relationships in each market. The platform also provides online payment processing, competitive foreign exchange services, and corporate Visa debit cards for immediate fund access. With a boutique, client-focused approach, VallettaPay serves as a modern alternative to traditional banking for businesses handling high volumes of international transactions. The company is privately held, operating with a lean team of 11 to 50 employees from its Liverpool base, and its name reflects the founders’ early connections to Malta and broader European payment infrastructure.

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  Paystrax

  Vilnius, Lithuania

  PAYSTRAX is a direct Visa and Mastercard acquirer and a licensed Payment Institution in both the European Economic Area and the United Kingdom. Founded in 2018 in Vilnius, Lithuania, by Icelandic entrepreneurs Jóhannes Ingi Kolbeinsson and Gunnar Már Gunnarsson, the company provides European and UK merchants with end-to-end payment acceptance solutions for online, in-store, and mobile channels. Holding Principal Membership with both Visa and Mastercard, PAYSTRAX is authorised by the Bank of Lithuania and the UK’s Financial Conduct Authority, with its EU licence passported across all EEA countries. The firm operates from five European offices – Vilnius (HQ), London, Reykjavik, Klaipėda, and Leeds – and employs more than 150 professionals. Its platform supports multi-currency payments in 17 settlement currencies, stablecoin settlements, Apple Pay, Google Pay, and a payment orchestration layer that centralises transaction routing, risk management, and fraud prevention. Recognised in the Financial Times FT1000 2026 ranking as one of Europe’s fastest-growing companies, PAYSTRAX serves over 1,500 merchants and partners with more than 50 institutions.

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  Paymix Pro

  Malta

  Paymix Pro is a corporate financial solution brand operated by Finance Incorporated Limited (FIL), a Malta-based company licensed and regulated by the Malta Financial Services Authority as an Electronic Money Institution and payment service provider. The platform positions itself as a fast, transparent, and accessible alternative to traditional corporate banking, offering businesses a suite of payment and account management tools. Core services include IBAN business accounts, domestic and cross-border payment processing via SEPA and SWIFT, card issuance and acquiring, digital wallets, and API integration for automated transaction workflows. Paymix Pro is marketed primarily to iGaming and online gambling operators, as well as other international businesses, with a focus on simplifying onboarding through a four-step digital verification process. The brand also operates complementary offerings such as Paymix VIA for tap-to-pay technology and iPaymix for e-wallets and POS solutions. As part of the Finance Incorporated Limited group, Paymix Pro leverages its MFSA license to provide regulated payment services across the European Economic Area. The company emphasises speed, cost-effectiveness, and transparency, aiming to reduce the friction and overhead typically associated with conventional corporate banking for high-volume, cross-border transaction environments.

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  TheLocal (LOCAL APM SOLUTIONS)

  1 Coldbath Square, London, England, EC1R 5HL

  LOCAL APM SOLUTIONS LIMITED is a private limited company incorporated in England and Wales on 10 November 2025, registered at 1 Coldbath Square, London. Classified under SIC code 64999 for financial intermediation not elsewhere classified, the company is currently marked as Active on the UK Companies House register. However, as of early 2026, no financial accounts, confirmation statements, or officer appointments have been filed, consistent with its very recent incorporation. The name suggests a possible focus on local application performance management or alternative payment methods, but no public information confirms any operational activities, products, brands, or employees. No website or online presence has been identified, and searches for 'TheLocal' in connection with the company yielded no results. The entity appears to be either pre-operational or a dormant shelf company awaiting activation, with no verifiable business activity to date.