Acquiring Solutions

Merchant Account Processing

Merchant Account Processing

Processing Partners Inc. provides merchant account placement, onboarding and payment gateway support. Acquiring banks and regulated payment providers contract directly with merchants and handle authorization, reserves, settlement and payouts.

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Global Acquiring

Access to a broad network of acquiring banks for regional optimization

Multi‑Currency

Authorization support in major and emerging currencies

Risk & Compliance

KYC/KYB, 3DS, network tokens, and chargeback management

Optimized Approvals

Descriptor, routing, and retry strategies to improve acceptance

What You Get

Acquiring Models

  • Domestic and cross‑border MIDs (single or multi‑MID configurations)
  • Card‑present (SDK) and card‑not‑present (e‑commerce, MOTO)
  • Subscription and recurring billing with updater and network tokens

Payment & Risk Controls

  • 3D Secure 2.0 with frictionless flows and liability shift
  • Network tokens (VTS/MDES) for higher approval and lower PCI scope
  • AVS/CVV checks, velocity rules, device insights, and RDR handling

Disputes & Reporting

  • Chargeback alerts, case management, and analytics dashboards

Industries

eCommerce

  • Online Dating

  • Forex

  • Travel

  • Skill Games

  • Fashion

  • Sports Events

  • Gambling & Sport Betting

  • Music Festivals

Point of Sale

  • Gastronomy

  • Hotels

  • Retail

  • Automotive

  • Hospital

  • Grocery Stores

Flexible Rule Engine

Technical Specs (via Gateway)

Single integration for payments, tokens, and 3DS


IF transaction.amount > 1000
AND customer.country != billing.country
AND device.risk_score > 70
THEN action = "REVIEW"

IF customer.velocity > 5 transactions/hour
OR card.bin IN high_risk_bins
THEN action = "DECLINE"

IF ml_score < 0.3
AND customer.history = "GOOD"
THEN action = "APPROVE"

• Partial capture, multiple shipments, and incremental authorizations
• Refunds, voids, and dispute evidence upload
• Level 2/3 data for enhanced interchange categories where applicable

Onboarding Requirements

  • Corporate documents: registration/incorporation, UBO register, proof of address
  • KYC/KYB: directors and UBO IDs, sanctions and PEP screening
  • Business model overview, MCC, processing volumes, refund/chargeback policies
  • Website/app review, PCI status, and 3DS integration plan

Pricing & Fees Model

Interchange++ or Blended

Single integration for payments, tokens, and 3DS

  • We support Interchange++ (IC++), scheme fees, and acquirer markup, or a simple blended rate.
  • Final pricing depends on MCC, geographies, average ticket, and risk profile.

Ancillary Fees

Transparent, no hidden extras

  • Typical items: chargeback fee, retrieval/representment, PCI program, and statement fees if applicable.

Gateway Bundles

Payments, 3DS, tokens, and risk

  • Bundle with our PCI L1 gateway for a single contract and unified reporting across processors.
  • Network tokens and risk tooling can materially improve approval rates.

All pricing is indicative and subject to underwriting. A custom proposal will be provided after pre‑assessment.

Who We Support

E‑commerce & SaaS

Single checkout or subscriptions at scale

Marketplaces

Multi-seller checkout and payment routing

Digital Goods

Gaming, media, content and app monetization

Travel & Services

Pre‑auths, delayed capture, and higher‑risk flows

Trusted by Payment Leaders

See what our clients have to say about their experience with Processing Partners and Creative Cloud

“We’ve trusted Processing Partners with our gateway and merchant services since 2016, and they’ve been an outstanding partner every step of the way. Our business processes thousands of transactions from around the world, and Processing Partners has consistently delivered the reliability, flexibility, and responsive support we need. Their team understands the demands of high-volume, event-driven commerce and has always gone the extra mile to ensure uptime, compliance, and smooth settlements. After nearly a decade together, I can say without hesitation that Processing Partners is one of the most dependable and professional service providers we’ve ever worked with.”

Andy Piller
CEO of 70000Tons.com

“We are customers with CreativeCloud for the last 10 years and we are still very happy about the decision we’ve taken 10 years back to start working with CreativeCloud. They’ve helped us increase our acquiring portfolio to 10+ acquirers as well as provided us with the latest trends in payments such as network tokens. We feel that they care about us as a merchant and develop new features (e.g. payment methods) as we need them. It’s a very personal approach they follow which I feel drives customer satisfaction extremely – at least for us. We look forward continuing our partnership and look to grow further together in the future.”

Thomas Pappas
Corporate Development Director, Insparx – EU Advisory Member, MRC

Frequently Asked Questions

Yes. We help merchants find suitable domestic and cross-border acquiring options. The selected acquiring bank or regulated payment provider contracts directly with the merchant and handles authorization, reserves, settlement and payouts.

Available features can include 3DS, network tokens, AVS/CVV checks, device and velocity controls, smart routing, dispute tools and reporting. Availability depends on the selected provider and merchant setup.

We review the business model, processing history and technical requirements, then help identify suitable acquiring and gateway options. The selected provider completes underwriting and contracts directly with the merchant.

No. Processing Partners Inc. does not receive, hold, control or transmit merchant or customer funds. Acquiring banks and regulated payment providers handle reserves, settlement and payouts.

Open a Merchant Account with Confidence

Get the right acquiring setup for your business model, markets, and risk profile—connected through a single integration.

No commitment required • Free consultation • Custom solutions available