What Processing Partners does

Processing Partners is a privately held global payment solutions provider operating through a dual-entity structure comprising Processing Partners Inc. (Miami Beach, USA) and Creative Cloud AG (St. Gallen, Switzerland). Founded in 2002, the company delivers white-label payment gateway infrastructure, international merchant acquiring, fraud and risk management, chargeback handling, and payout services (SEPA, SWIFT, Faster Payments, ACH) to enterprise merchants, payment service providers, and resellers. Its platform is built on ACI PAY.ON gateway technology and connects to 500+ bank acquirers and 60+ alternative payment methods across 160+ countries via a single RESTful API, with PCI DSS Level 1 and SOC 2 Type 2 certifications.

The technology stack includes four independent gateway routing systems, network tokenization via Visa Token Service and Mastercard MDES, EMV 3DS 2.0 authentication, AI/ML-based fraud scoring under 100ms, automated dispute resolution (claimed 90% automation, 75% win rate), and digital wallet integration (Apple Pay, Google Pay). The company emphasizes high-risk and complex verticals — online dating, travel, gambling, digital goods, health products — where mainstream processors often decline to operate, and serves both direct enterprise accounts and indirect white-label reseller channels.

Processing Partners monetizes through three primary streams: per-transaction fees (€0.05-€0.09), tiered subscription minimums (Startup €5K/month, Growth €10K/month, Enterprise €15K/month), and reseller margin on white-labeled transaction processing. Go-to-market combines enterprise field sales (consultative "Schedule a Call" motion) with an API-first developer channel and a formalized reseller program. The company holds no disclosed external funding, operates with 11-50 employees, and has built 20+ years of operating history across North America, Europe, and Asia without IPO or M&A activity.

Name

Processing Partners

Legal name

Processing Partners Inc.

Website

https://processingpartners.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

Processing Partners is a private global payment gateway provider (Processing Partners Inc., USA; Creative Cloud AG, Switzerland) offering white-label gateway infrastructure, multi-currency merchant acquiring, fraud management, and SEPA/SWIFT payouts to enterprise merchants, PSPs, and high-risk verticals across 160+ countries via a single API.

Ownership category

akta.pro rank

Product category

Payment Processing & Gateway Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Services-Computer Processing & Data Preparation (7374)

akta.pro primary industry

Processor-Agnostic / White-Label Acquiring Platforms (Acquiring-as-a-Service) (FSAMABAI)

akta.pro secondary industries

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), Smart Routing, Cascading & Payment Optimization (FSAMACAJ), Payment Processing & Acquiring Infrastructure (FSAGABAC)

Keywords

• Global payment processing
• White-label payment gateway
• International merchant accounts
• Payment risk management
• PCI Level 1 compliance

Headquarters

HQ city

Coral Gables

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Payment Processing & Transaction Fees: Revenue generated from transaction processing fees across payment gateway services, merchant accounts, and alternative billing solutions. Pricing includes per-transaction fees (€0.05-0.09), bundled services (3DS, fraud management, network tokens), and connector/activation fees
2. Gateway Subscription & Licensing: Monthly minimum billing fees and setup fees for white-label gateway access. Includes Startup (€5,000/month min), Growth (€10,000/month min), and Enterprise (€15,000/month min) tiers with bundled features
3. Reseller Program: Partners and resellers can white-label and sell payment services under their own brand, generating revenue through margin on processed transactions
4. Risk & Compliance Services: Revenue from fraud management, chargeback management, KYC/KYB services, and compliance solutions bundled with core payment processing

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels2 records

Core offering

Processing Partners operates a global one-source payment service platform combining a PCI Level 1 white-label payment gateway with international merchant acquiring, network tokenization, 3DS authentication, AI-driven fraud and dispute management, and SEPA/SWIFT/ACH payout rails. The single API connects clients to 500+ bank acquirers and 60+ alternative payment methods across 160+ countries, delivered through Processing Partners Inc. (USA) and Creative Cloud AG (Switzerland) on a tiered subscription + per-transaction pricing model.

Product overview

Processing Partners operates as a global one-source payment service provider offering a modular platform architecture that combines a White Label Gateway (core product) with integrated add-on modules including Network Tokens, External 3DS Authentication, Risk Management Essentials, Rapid Dispute Resolution, Digital Wallet Integration, and SEPA & SWIFT Payouts. The platform connects to 500+ bank acquirers and 60+ alternative payment methods via a single API, serving enterprise clients requiring PCI Level 1 compliance. Additional channel solutions (eCommerce, mCommerce, mPOS, POS, MOTO, Omnichannel) and supplementary services (International Merchant Accounts, Alternative Billing Solutions, Corporate Banking, Pre-Paid Card Issuing, Chargeback Management) complete the portfolio. The enterprise solutions are delivered through Processing Partners Inc. (USA) and Creative Cloud AG (Switzerland), with the enterprise-focused suite consolidated at enterprise.processingpartners.com and the broader merchant services at processingpartners.com.

Differentiator

Problem solved

Functional benefit

Products and services

• White Label Gateway Full PCI DSS Level 1 certified white-label payment gateway enabling businesses to brand payment processing as their own. Connects to 500+ bank acquirers and 60+ alternative payment methods via single API, with smart routing, cascading transaction filtering, real-time monitoring, analytics dashboards, hosted payment pages, and integrated fraud prevention tools. Targeted at PSPs, ISOs, and enterprise merchants.
• Network Tokens Network tokenization technology (Visa Token Service, Mastercard MDES) replacing sensitive card data with secure tokens, improving authorization rates by 6-13%, reducing fraud, and providing automated lifetime card updates for subscription billing to prevent declines from expired or reissued cards.
• External 3DS Authentication Comprehensive 3D Secure authentication (EMV 3DS 2.0) reducing chargeback risk through liability shift protection while increasing conversion acceptance ratios. Supports PSD2/SCA compliance, frictionless authentication for up to 95% of transactions, and global coverage with regional compliance requirements.
• Risk Management Essentials AI/ML-powered fraud detection and risk assessment tools using ensemble models (neural networks trained on billions of transactions), real-time risk scoring in under 100ms, behavioral analytics, device fingerprinting, velocity checks, geolocation analysis, and customizable rule engine with visual rule builder.
• Rapid Dispute Resolution Automated chargeback management and dispute resolution platform using AI for case triage, evidence gathering, and intelligent response generation. Achieves 75% average win rate, 60% reduction in processing time, and 90% automation rate for routine dispute handling.
• Digital Wallet Integration Integration service for Google Pay and Apple Pay digital wallets enabling seamless payment experiences across web, mobile, and in-app channels with biometric authentication (Touch ID, Face ID), tokenized transactions, 70% reduction in checkout time, and 25% average conversion rate increase.
• Merchant Account Processing Domestic and international bank acquiring with multi-currency payment processing, supporting card-present (POS) and card-not-present (e-commerce, MOTO) transactions, 3D Secure 2.0, network tokens, flexible financing (T+1 to weekly), and chargeback management tailored for high-risk industries.
• SEPA & SWIFT Payouts Bulk bank transfer management enabling SEPA (SCT, SCT Inst), SWIFT, Faster Payments, and ACH payouts globally with batch payouts, real-time status updates, intelligent reconciliation with virtual IBANs, IBAN/BIC validation, sanctions screening, and AML checks through a regulated financial intermediary.
• Payment Gateway Services Risk-free globally operating payment gateway technology providing connectivity to 400+ bank acquirers and 300+ alternative payment methods across 160+ countries through a single API integration. Built on ACI PAY.ON technology.
• International Merchant Accounts Multi-currency merchant accounts through international bank partners providing direct MIDs for worldwide merchant acquiring, enabling businesses to accept payments in multiple currencies with local acquiring optimization.
• Alternative Billing Solutions Alternative payment method integration covering 300+ internationally accepted alternative billing solutions beyond traditional card payments to improve conversion ratios across 160+ countries.
• Crypto Currency Processing Bitcoin transaction processing via the ACI/PAY.ON Gateway enabling cryptocurrency payments for global business operations.
• Corporate Banking Multi-currency bank accounts for corporate banking around the world, enabling settlements to be paid where and when required.
• Pre-Paid Card Issuing Affiliate payout manager supporting real-time payouts via pre-paid card issuing, enabling immediate payment distribution to affiliates and content providers.
• Chargeback Management Chargeback reconciliation and fraud report management to streamline dispute handling and maintain compliance with official thresholds.
• Tokenization & Scheduling Recurring billing solution supporting scheduled payment collection on defined dates and times, plus tokenization for secure card data storage enabling PCI compliance and subscription billing.
• Cascading Transaction Routing Automated transaction filtering and routing based on pre-defined variables (BIN, geography, card type, risk score) to optimal acquirer banks, with automatic fallback to secondary acquirers for declined transactions.
• Transaction Monitoring Real-time transaction monitoring via Business Intelligence Platform enabling merchants to track transaction status, volume, acceptance rates, refund/cancel transactions, and generate detailed reports by BIN, country, IP, amount, and time parameters.
• eCommerce Payment Processing Online payment processing solution for eCommerce businesses enabling card-not-present transactions through the global payment gateway.
• POS Terminal Solutions Point-of-sale terminal solutions supporting EMV chip & PIN, magnetic stripe, and manual entry for card-present transactions.
• Omnichannel Payment Solutions Multi-channel billing solution integrating all payment channels (eCommerce, mCommerce, POS, MOTO) under one partner and one platform.
• Mobile App / In-App Payments Mobile SDK enabling payment integration within mobile applications, supporting Apple Pay and Google Pay with fraud prevention, transaction distribution, and routing features.
• International Incorporation Services In-depth international company filings and multi-currency processing advisory services to help businesses incorporate entities in jurisdictions worldwide.

Quantifiable outcome

• Network tokenization can increase revenue by 6-13%
• +7 more outcomes

Named customers4 records

Segments7 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

AI capability5 records

Feature8 records

Partnerships

Six partnerships are on record, tiered core, preferred and flagship.

• ACI PAY.ONcoreTechnology or IntegrationThe ACI PAY.ON API Integration connects clients to 400+ bank acquirers worldwide. The ACI PAY.ON gateway technology is the world's largest independent payment gateway routing system and global processor of online payment transactions. Provides single API connectivity to global acquiring network.
• WebshieldpreferredTechnology or IntegrationA sophisticated due diligence and monitoring software for bank acquirers and payment service providers, reducing resources needed for professional risk management assessment.
• VisaflagshipTechnology or IntegrationOfficial partner of Visa as an international payment service provider. Visa Secure / CardinalCommerce is the preferred 3D Secure service provider.
• MastercardflagshipTechnology or IntegrationOfficial partner of Mastercard as an international payment service provider. Mastercard Identity Check is supported for 3D Secure authentication.
• 400+ Bank AcquirerscoreChannel Partner/ Reseller/ DistributorGlobal network of bank acquiring partners providing direct merchant accounts worldwide. The technical payment network consists of more than 400 bank acquiring integrations covering more than 160 countries.
• 300+ Alternative Payment MethodscoreTechnology or IntegrationNetwork of alternative billing providers offering payment method diversification for improved conversion ratios across 160+ countries.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• NMI: NMI provides a white-label payment gateway and processor-agnostic acquiring platform purpose-built for ISOs, ISVs, and PSPs to embed under their own brand — directly mirroring Processing Partners' reseller and white-label gateway go-to-market.
• USAePay: USAePay offers a white-label payment gateway with multi-acquirer and high-risk merchant support, strongly overlapping with Processing Partners' ISO/ISO-friendly gateway model and high-risk vertical expertise.
• Spreedly: Spreedly provides payment orchestration and a vault that connects merchants to multiple gateways/acquirers via a single integration — directly comparable to Processing Partners' API-first multi-acquirer, cascading-routing positioning.
• CellPoint Digital: CellPoint Digital specializes in payment orchestration and multi-acquirer routing for travel and digital goods — overlapping with Processing Partners' travel vertical specialization and cascading routing technology.
• Primer: Primer is a payment orchestration platform offering smart routing, cascading, and unified reconciliation across acquirers/APMs — closely aligned with Processing Partners' cascading transaction routing feature set and API-first model.
• Paysafe: Paysafe is a specialized payment processor focused on high-risk and regulated verticals (gambling, gaming, digital goods) — directly comparable to Processing Partners' specialized high-risk merchant focus.
• High Risk Pay: High Risk Pay is a US-based high-risk merchant acquirer and processor serving gambling, adult, and nutraceutical verticals — overlapping tightly with Processing Partners' vertical specialization.

Broad incumbents

• Adyen: Adyen is a global unified payments processor offering a single-API, multi-acquirer-style experience to enterprise merchants — a broad incumbent whose downstream push into long-tail and adjacent verticals directly competes with Processing Partners.
• Checkout.com: Checkout.com is a global payment processor serving enterprise merchants and PSPs with cross-border acquiring and orchestration — comparable as a broader incumbent offering overlapping capabilities to Processing Partners' enterprise customers.
• Stripe Connect: Stripe Connect enables platforms and marketplaces to monetize payments via white-label flows — directly relevant to Processing Partners' PSP/reseller white-label strategy, though from a much larger and broader incumbent.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/pppartners
• Facebookfacebook.com/processingpartners

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Processing Partners