Visa & Mastercard integration - advanced payment processing solutions for acquirers

Why build your PayFac on Autopay

No licensing or scheme membership required

Operate under Autopay's acquiring licence. No principal membership, no scheme audits, no PCI scope to manage.
Go live in weeks, not months

Pre-built acquiring, processing, and compliance layers - ready for integration from day one.
100+ MCCs including high-risk

Onboard merchants across 100+ categories. Selected high-risk verticals available subject to approval.
Battle-tested at scale

Built on infrastructure processing €15B+ and 160M+ transactions annually. Enterprise-grade reliability from day one.
Dedicated integration team

Tech, legal, risk, and compliance specialists assigned to your PayFac launch.
You sell, we operate

Focus on merchant acquisition and revenue. We handle regulation, scheme compliance, and processing.

How it works

You acquire merchants and manage your sales channel. Autopay provides the licensed acquiring, card-scheme connectivity, and processing infrastructure behind it.

What you get:

Acquiring licence coverage (Visa, Mastercard)
PCI DSS & PCI 3DS certified processing
Settlement and fund-flow management
MCC-based risk controls and compliance tooling
Hosted, API, and server-to-server integration options

No need to apply for Visa/Mastercard principal membership, manage PCI scope, or build settlement logic.

Get in touch

What's included

All transaction types

One-off, recurring, subscription, MIT/CIT, refunds, chargebacks, and pre-authorisations.

Visa & Mastercard acceptance

Scheme-aligned processing with built-in authentication, settlement, and clearing rules.

3D Secure & SCA

Autopay's own 3DS Server with frictionless/challenge flows and exemption handling.

Hosted, API & S2S integration

Choose hosted pages, REST APIs, SDKs, or server-to-server. Full sandbox included.

Settlement & fund flows

Configurable settlement cycles and fund distribution built for the PayFac model.

Risk & compliance controls

MCC-based rules, transaction-type controls, and support for low-risk and high-risk verticals.

Who is it for

From early-stage fintechs to enterprise acquirers - one PayFac infrastructure that fits every growth stage and risk profile.

High-risk verticals

MCC-based controls and enhanced compliance alignment for complex industries. Subject to approval.

Fintechs & new platforms

Skip licensing, scheme compliance, and building processing from scratch. Focus on your product and merchant acquisition.

Scaling businesses

Handle growing volumes, complex transaction flows, and configurable settlement - without re-architecting your payments stack.

Enterprise acquirers & PSPs

PayFac-ready acquiring, processing, and settlement that plugs into your existing ecosystem for large-scale programmes.