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Payment Facilitators.

Acquiring with a Payment Facilitator mindset. Valitor is your go-to acquiring partner.

Why choose Valitor?

Valitor is a pan-European acquirer with a long history of working with some of the world’s leading Payment Facilitators. We work closely with Payment Facilitators to align with their strategy and understand their needs. Our expertise and experience allow us to support Payment Facilitators’ issues around new regulations, fraud prevention, chargebacks, and increasing acceptance rates.

Faster settlement

Merchants can access their money quickly and effortlessly.

Instant onboarding

Our Dynamic Descriptor ensures fast, hassle-free merchant onboarding.

Single acquiring agreement

Simplified infrastructure and close relationship with the card schemes ensure that your merchants will be kept up-to-date with mandated requirements.

Innovative technology

Our API-accessible technology ensures easy integration, multi currency settlement, and exceptional (99.99%) uptime.

Outstanding support

From annual strategic reviews with senior management, to day-to-day account management, operational & partner support.

PCI DSS compliance

We will support your due diligence in underwriting, fraud prevention, risk assessment, and PCI DSS compliance.

Customer feedback.

“One of the key success factors in Mollie’s offering… is a smooth onboarding process… In Valitor, we have found a trusted partner with the right mindset, backed by technology and processes… Together we have enabled thousands of CNP clients to accept card payments, while keeping fraud and chargeback levels at a minimum.”

Gaston Aussems

CEO at Mollie

“Klarna was looking for a partner to facilitate our payment systems across Europe; a company we could trust to deliver in the same flexible yet secure way that we do, and Valitor has proved to be an ideal partner. Their response both in technical expertise and timing is excellent, and the solutions they provide us with are comprehensive.”

What is a Payment Facilitator?

A Payment Facilitator is a Payment Service Provider (PSP) that enables merchants, via a Payment Gateway, to accept card payments. Each Payment Facilitator is aligned to an acquirer, who acts as a sponsor bank to the card schemes (Visa, Mastercard and Amex).

Sometimes a Payment Facilitator may have its own integrated Payment Gateway, with the ability to connect directly to the acquirer via API (code that passes on messages from one software to another).

Otherwise, the Payment Gateway will be managed by either the acquirer or a third-party, and so the Payment Facilitator needs to ensure they can integrate their software accordingly.

The role of a Payment Facilitator.

The Payment Facilitator acts as a single point of contact for their merchants, with responsibility for:

  • Settlement of funds to the merchant accounts
  • Merchant onboarding
  • Contractual agreements
  • Regulatory requirements (Know Your Customer (KYC), Due Diligence, Anti Money Laundering)
  • Sales
  • Support

The Payment Facilitators will have a single contractual agreement with their acquirer, and separate contractual agreements with their multiple merchants.

The role of a Payment Facilitator.

The Payment Facilitator acts as a single point of contact for their merchants, with responsibility for:

  • Settlement of funds to the merchant accounts
  • Merchant onboarding
  • Contractual agreements
  • Regulatory requirements (Know Your Customer (KYC), Due Diligence, Anti Money Laundering)
  • Sales
  • Support

Payment Facilitators will have a single contractual agreement with their acquirer, and separate contractual agreements with their multiple merchants.

How to become a Payment Facilitator.

In order to become a Payment Facilitator, a PSP must:

  • Register with the appropriate financial authority within their residing country. In the UK, this is the Financial Conducts Authority (FCA).
  • Hold an Electronic Money Institution (EMI) or an Authorised Payment Institution (API) licence. Both licences allow the PSP to hold merchants’ funds prior to settlement.
  • Be fully PCI DSS compliant

Once a Payment Facilitator is up and running, they can begin onboarding their merchants into the acquirer’s infrastructure via API technology.

How to become a Payment Facilitator.

To become a Payment Facilitator, a PSP must:

  • Register with the appropriate financial authority within their residing country. In the UK, this is the Financial Conducts Authority (FCA).
  • Hold an Electronic Money Institution (EMI) or an Authorised Payment Institution (API) licence. Both licences allow the PSP to hold merchants’ funds prior to settlement.
  • Be fully PCI DSS compliant

Once a Payment Facilitator is up and running, they can begin onboarding their merchants into the acquirer’s infrastructure via API technology.

Get in touch today.

If you have a question regarding a Payment Facilitator partnership, please complete the form below and a member of the Partnership Team will be in contact.