Software vendors (ISVs), payment facilitators, acquirers and multi-location merchants, mainly in the Nordics, that want in-store, Tap to Pay and online payments through one API, plus small businesses using the packaged Surfpay POS.

traditional +2

Fees

Custom

Settlement

Same day

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Heartland Payment Systems

SMB Payment Processing

traditional

Fees

Interchange-plus pricing

Booksalon

Hair, beauty, wellness and similar appointment-based businesses in Finland that want booking, POS and card acceptance in one system.

Tremendous

Bulk Incentive Payouts

Boulevard

Premium Salon Platform

traditional

Fees

3% credit card processing; Boulevard Offset program passes 3% to client with 1% merchant fee. Subscription tiers: Essentials $158/mo, Premier $263/mo, Prestige $369/mo, Enterprise custom.

Toast

Restaurant Payments

embedded

Fees

2.49% + $0.15 per transaction

AIB Merchant Services

Businesses in Ireland and the UK, from small shops to large companies, that want to take card payments in person, online or by payment link.

NCR Voyix

Enterprise POS Payments

Transact Pro

European online merchants and payment businesses that need card acquiring, a white-label gateway or card issuing from a Latvian EMI

traditional +1

Fees

Card acquiring: individual rates starting from 0.5% per transaction

Settlement

Varies

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Givex

Gift Cards & Loyalty Programs

Revel Systems

Restaurant Cloud POS

WEAT

Fuel station operators, EV charge point operators, car wash and vending/self-service operators in the mobility sector that need card acceptance including fuel and fleet cards.

TouchBistro

Restaurant Management POS

Blackhawk Network

Branded Payments & Gift Cards

InComm Payments

Gift Cards & Prepaid Solutions

Calida Financial

PSPs, fintechs, platforms, merchants and marketplaces in the EU/EEA that want to embed licensed e-money, wallet, prepaid, voucher, gift card or payout functionality.