Payment Facilitators

An acquirer with a mindset for Payment Facilitator growth

Valitor is a pan-European acquirer with a long history of partnering with some of the leading e-commerce Payment Facilitators in the world since 2013. An early adopter of the Payment Facilitator model, Valitor has tailored its innovative and scalable inhouse payment technology to assist in the growth of its valued partners.

Valitor works closely with our Payment Facilitator partners to fully understand their business needs and align with their strategy, delivering a close and transparent relationship throughout. We understand that merchants often do not have the time or expertise to address issues around new regulations, fraud prevention, chargebacks, and increasing acceptance rates. By partnering with Valitor, Payment Facilitators can use our expertise and experience to guide their merchants through these challenges.

  • Faster settlement: Merchants can access their money quickly and effortlessly.
  • Single acquiring agreement: Simplified infrastructure provides greater control of processing rates and regulation management. With ever-evolving regulations, merchants will benefit from being kept up to date with the latest mandate requirements thanks to our close relationship with the card schemes.
  • Instant onboarding: Increase merchant conversions and retention via speedy, hassle-free merchant onboarding by using our Dynamic Descriptor.
  • Cutting-edge technology: Innovative, API-accessible technology to deliver easy integration and multi-currency settlement. With systems built over two active-to-active sites, we ensure an exceptional rate of system uptime (99.99%), allowing merchants the assurance of uninterrupted trading.
  • First-rate support: We work closely with partners to ensure that we provide an outstanding service at all stages, including at senior management and C level. Valitor will support your strategy and associated due diligence of underwriting, fraud prevention, risk assessment, and PCI DSS compliance.

Hear from our customers

Klarna Logo

“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.

Valitor provides acquiring services under the Payment Facilitator model to Klarna, one of the world’s largest fintech companies.

“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

Mollie is one of Europe’s fastest growing fin-tech companies, building innovative payment solutions products. Valitor provides acquiring services under the Payment Facilitator model.

What is a Payment Facilitator?

A Payment Facilitator is a Payment Service Provider (PSP) which 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).

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.




What Do They Do?

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.

How do you 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 either an Electronic Money Institution (EMI) licence 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.


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