Payment Solutions

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  Em@ney PLC

  Malta

  Em@ney PLC is a Malta-based Electronic Money Institution (EMI) founded in 2012 and regulated by the Malta Financial Services Authority (MFSA) under the Electronic Money Directive 2009/110/EC. The company operates across all Single Euro Payments Area (SEPA) jurisdictions, offering e‑money issuance and redemption, payment processing, and internet banking solutions. Its product suite includes business and personal accounts, prepaid Mastercard debit cards, bulk payment processing, and customisable APIs for seamless integration. Em@ney has positioned itself as a one‑stop partner for payment solutions, serving clients of all sizes with competitive pricing. In September 2024, the MFSA ordered Em@ney to halt onboarding new clients due to governance deficiencies; the directive was lifted in February 2025 after the company demonstrated compliance. Despite over a decade of operations, the company remains low‑profile, with no public financial disclosures or headcount figures available.

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  eMerchantPay

  1 London Bridge, London, England SE1 9BG, UK

  eMerchantPay is a global payment service provider and merchant acquirer that enables businesses to accept, process, and settle transactions across online, mobile, in-store, and over-the-phone channels. Founded in 2011 by Jonas Reynisson (though some records suggest earlier origins in 2002), the company is headquartered at 1 London Bridge, London, and employs approximately 350 people. It serves medium to large enterprises in e-commerce, retail, travel, digital goods, and iGaming, offering a single-integration platform with access to over 50 payment methods, more than 150 processing currencies, and 20 settlement currencies. eMerchantPay holds a Payments Institution licence from the UK’s Financial Conduct Authority and is a principal member of Visa Europe and Mastercard Worldwide. Its end-to-end solution includes online payment gateways, point-of-sale terminals, Pay-by-Link, recurring billing, and advanced fraud prevention tools. The company has been recognised as “Payment Acquirer of the Year” at the Brit Fintech Awards 2025 and won two categories at The FinTech Awards 2026. With a consultative approach and proprietary technology, eMerchantPay positions itself as a one-stop payment partner for growth-focused businesses.

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  eManat

  eManat is a payment terminal network operating across Azerbaijan, providing a fast, reliable, and convenient way to make various payments through over 3,000 self-service terminals available 24/7. The platform enables users to pay for utility bills, online purchases, mobile top-ups, and other everyday services. Beyond payment processing, eManat provides a digital advertising platform that allows businesses to display ads on terminal screens and printed receipts, with targeted placement by region and location. The company also offers a specific payment service for purchasing technological devices under the “Smart Electronics” brand. eManat maintains a technical partnership with QIWI, a global payment service provider, to ensure high-quality software and support. The company’s official website (emanat.az) and YouTube channel (created December 2014) confirm its Azerbaijani base and B2B focus. As a payment infrastructure provider, eManat serves both consumers and businesses, including potential iGaming operators that require local cash-in/cash-out options. Its network of terminals makes it a convenient payment method for unbanked or underbanked populations.

• EC

  ECOMMPAY

  London, United Kingdom

  ECOMMPAY is a UK-headquartered payment service provider and direct bank card acquirer that enables e-commerce businesses to accept, process, and orchestrate payments across more than 180 payment methods globally. Founded in 2012 after its founder observed inefficiencies in digital payments, the company holds both an Electronic Money Institution licence and a Payment Institution licence from the UK’s Financial Conduct Authority, and is a principal member of Visa and Mastercard with Level 1 PCI DSS certification. ECOMMPAY positions itself as an inclusive global payments platform that combines acquiring, payment processing, orchestration, open banking, recurring billing, direct debits, and payout capabilities into a single platform via a single API. With approximately 500 employees and offices in four international locations, the company serves mid-size and enterprise merchants across the UK, Europe, and beyond. Its core philosophy is to build essential payment functions natively into its platform, eliminating merchants’ reliance on third-party systems and reducing operational friction.

• EA

  Easy Payments Gateway (EPG)

  Gibraltar

  Easy Payments Gateway (EPG) was a Gibraltar-based fintech company that developed a high-powered, PCI-DSS Level 1 certified payment gateway platform. Founded in September 2014 by Alex Capurro, the company specialized in enabling merchants to create custom transaction routing through an intuitive drag-and-drop interface, allowing real-time control over payment flows across multiple acquirers and alternative payment methods. EPG’s solution was designed to maximize conversion rates while reducing costs, particularly for high-risk sectors such as forex, binary options, and online gambling. Within its first year, EPG signed leading clients including Sensus Capital and Leverate. The company raised approximately £5.5 million in early funding and attracted investment from D5 Capital and Optimizer Invest. In December 2020, D5 Capital successfully exited after selling EPG to one of Europe’s largest banking groups, delivering a three times return to investors. Post-acquisition, the company’s independent operations ceased as it was absorbed into the buyer’s payment infrastructure. While the brand no longer actively markets under the Easy Payment Gateway name, the technology and routing algorithms developed by EPG continue to be utilized within the acquiring bank’s enterprise payment offerings.

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  Dusane Infotech Pvt. Ltd.

  4th Floor, TJSB House, Wagle Estate, Thane West, Mumbai, Maharashtra 400604, India

  Dusane Infotech India Pvt. Ltd. is a privately held technology company headquartered in Thane West, Mumbai, founded in 2006 by Niranjan Dusane and Sajan Nair. The company specializes in end-to-end iGaming and gambling technology, with flagship products including the Octopus iGaming Platform and the BATS (Bet Acceptance and Transaction System) engine. These platforms power retail and online betting operations across numerous African countries such as Ghana, Kenya, Nigeria, South Africa, and others. Dusane offers a comprehensive suite of solutions: sports betting, lottery, online casino, live casino, virtual sports, fantasy sports, and hospitality video-on-demand. It operates as a white-label provider and customizes platforms for operators. The company has not raised external venture capital, relying on organic growth, and maintains a team of approximately 50–200 employees. Dusane positions itself as a one-stop technology partner for both regulated and emerging gaming markets, leveraging its middleware engineering expertise and industry knowledge.

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  Dimoco

  21 Campus Brunn am Gebirge, 2345 Brunn am Gebirge, Lower Austria, Austria

  DIMOCO (DIMOCO Payments GmbH) is a regulated Austrian payment institution and acquirer that has been operating since 2000. Headquartered in Brunn am Gebirge, Austria, the company holds a payment service licence from the Austrian Financial Market Authority (FMA) and employs between 51 and 200 people. DIMOCO specialises in frictionless online payment solutions, with a strong focus on direct carrier billing (DCB), card processing, and alternative payment methods (APMs). Its platform enables merchants in the iGaming, digital goods, micro‑mobility, and subscription sectors to accept payments across the European Economic Area and globally via robust APIs. Over more than two decades, DIMOCO has built a reputation as a reliable carrier‑billing provider and has expanded into acquiring services and omnichannel payment orchestration. Recent partnerships include a collaboration with Aircash (September 2025) and an expansion of carrier billing for Nextory in Norway. In 2025 the company appointed Christian Renk as Chief Operating Officer, alongside CEO Clemens Leitner, signalling a push to strengthen operations and scale its tailored paytech offerings. DIMOCO is also active in industry events such as SBC Summit Lisbon 2025, underlining its commitment to the iGaming vertical.

• CY

  CyberSource Corporation

  Foster City, California, United States

  CyberSource Corporation is a global payment gateway and fraud management platform, founded in 1994 and headquartered in Foster City, California. It was one of the first companies to build a dedicated online payment infrastructure, initially created to serve its own e-commerce operations before expanding to serve medium- and large-sized merchants. In 2007, the company acquired Authorize.Net, a payment services provider for small businesses, significantly broadening its market reach. Four years later, in 2010, Visa Inc. acquired CyberSource for approximately US$2 billion, and it now operates as a wholly owned subsidiary within Visa’s Acceptance Solutions division. Today, the platform processes payments across more than 160 countries and territories and is used by over 450,000 businesses globally. CyberSource’s core offerings include a modern, modular payment acceptance gateway, a sophisticated fraud detection tool called Decision Manager, and payment security services such as tokenization. The company’s technology is built on a single digital platform that supports omnichannel commerce, recurring billing, and developer-friendly APIs, making it a key partner for businesses ranging from small enterprises to the world’s largest brands. Its solutions are designed to balance customer experience with stringent security and compliance requirements.

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  Cryptopay

  Tallinn, Estonia

  Cryptopay is a B2B payment infrastructure company that enables businesses to accept, manage, and settle payments in cryptocurrency. Founded in 2013 in Tallinn, Estonia, the company was one of the early pioneers of bitcoin debit cards and has since evolved into a full-stack crypto payment gateway serving e-commerce, SaaS, iGaming, and Web3 merchants. Cryptopay processes over 8 million transactions annually, with a reported annual transaction volume exceeding $3 billion. The platform supports 19 major cryptocurrencies — including Bitcoin, Ethereum, and USDC — and offers real-time conversion, next-day bank settlement, and automated fiat withdrawals. Merchants can integrate via a ready-made payment gateway, a fully customizable API, or a dedicated account management dashboard. Cryptopay also provides mass crypto payout capabilities, enabling businesses to pay salaries, contractors, or partners in cryptocurrency without holding crypto themselves. The company maintains a zero-hack, zero internal loss of funds record since inception. Cryptopay is licensed through RICHIELD FINANCIAL SERVICES INC. and operates under Estonian regulatory oversight. Its technology is used by startups and enterprises across multiple industries, including SaaS, Web3, consulting, and iGaming. The company continues to expand its global reach, with a recent integration into GR8 Tech’s iGaming platform in 2025.

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  CSB Group

  Is-Swatar, Malta

  CSB Group is a leading integrated corporate service provider based in Malta, founded in 1987 by Tony M. Zammit. The firm specializes in helping international and local clients establish, manage, and grow their businesses within the Maltese jurisdiction, leveraging the island’s favorable tax regime and EU membership. Over more than three decades, it has evolved from a family-run commercial consultancy into a full-service group offering corporate administration, accounting, payroll, tax structuring, fiduciary and trust services, regulated financial services, fintech advisory, iGaming licensing and compliance, investment migration, and even relocation and yachting services. The group also operates associated brands such as Malta Sotheby’s International Realty, Regus Malta, and UNICO Yachting. With a team of over 100 qualified professionals, CSB Group positions itself as a one-stop partner for corporate set-up and ongoing compliance, serving a diverse portfolio from start-ups to multinational corporations. It is led by founder and Chairman Tony M. Zammit and Group CEO Michael J. Zammit, maintaining a 360° approach that combines legal, accounting, regulatory and strategic advisory under one roof.

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  CSC24Seven.com Limited - PaySpark

  Larnaca, Cyprus

  CSC24Seven.com Limited, operating under its registered name CSC Europe Limited, is a Cyprus-based electronic money institution that provides bespoke payment and e-money issuing solutions to merchants, consumers, and business clients worldwide. Founded in 2003 as a joint venture between CSCBank SAL (a Lebanese bank with a Cyprus office) and DataCash Services Limited, the company is now wholly owned by CSC Bank SAL and forms part of the broader CSC Group. Licensed by the Central Bank of Cyprus under the Electronic Money Laws of 2012 and 2018, CSC Europe is also authorised as a MasterCard, Visa and UnionPay card issuer. Its flagship product is PaySpark, an e-wallet solution enabling instant, low-cost payments, ATM withdrawals, and online transactions. Beyond PaySpark, the company offers white-label wallet solutions, the EziPay API for merchant integration, payroll services, affiliate payouts, and online issuing platforms for forex brokers and high-volume transaction businesses. With headquarters in Larnaca, CSC Europe positions itself as a regulated, reliable partner for businesses needing money in/money out e-commerce capabilities, combining virtual banking technology with traditional financial products under strict AML and KYC compliance.

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  Ctopay

  Hong Kong

  Ctopay is a Hong Kong-based payment services provider established in 2000, specializing in merchant services for high-risk industries such as adult entertainment, forex trading, and dating platforms, while also serving general e-commerce and retail clients. The company offers a comprehensive suite of payment processing solutions, including Visa/Mastercard 3D and non-3D gateways, point-of-sale terminals, and alternative payment methods like Ukash and MoneyBookers. It claims to process all major credit and debit cards in multiple currencies including USD, EUR, GBP, and Asian currencies. Despite operating for over two decades, Ctopay remains a small, privately held entity with an estimated 51–100 employees and annual revenues between $1 million and $3 million. The company has not raised external funding and maintains a low public profile; its leadership team is not disclosed, and no independent certifications such as PCI DSS are verifiable. Ctopay targets merchants across North America, Europe, China, Japan, Korea, Hong Kong, and Africa, emphasizing real-time processing and a dedicated risk management team.