credit card processing account & API

Accept online payments on your website globally in multiple currencies.

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Key features

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Simple payments management

Manage your day-to-day payment processing with a robust payment gateway.

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Branded payment page

Enjoy a customized credit card processing payment page to fit your brand for both web and mobile traffic.

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High approval rates

Enhance your approval rates with our smart payment routing.

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Fraud prevention

Fight fraud with our constantly updating fraud tools.

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Recurring payments

Full support for recurring payments, subscriptions, tokenisation.

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Alternative payment methods

PayPal, Apple Pay, WeChat Pay, Netteller, Kiwi, and much more.

How our credit card processing account works

Streamline your payments through one unified API that responds to change as it happens.


Use our simple API integration to add payment processing to your site.


We process the payment and take care of all security measures.


You receive the funds collected to your business bank account or in your Payset dedicated IBAN.

Simple API

We provide full API and integration services with practically any website.

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Card acquiring fees:

This information is provided for reference only. Actual rates are calculated on a case-by-case basis.

Your customers (cardholders)

EU clients
Non-EU clients

Monthly volume


Your rate starts at


Connection fee 200€
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What companies would benefit from credit card processing?

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  • Get your own dedicated account manager
  • Save money with the lowest transaction fees
  • Prevent fraud with the highest-level security
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  • Accept card payments in 34 currencies
  • Keep organized with excellent reporting
  • Effectively prevent fraud and scams
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  • Manage all payments from one dashboard
  • Use the best fraud prevention tools
  • Easily process payments in 34 currencies

Payset opened up a lot of new doors for us. Once we were able to process credit cards for a reasonable fee it allowed us to expand our marketing and everything else to attract clients that we couldn’t reach before.

Eloise Moen
Owner at Son of Siamese
/ 01

We were already using an IBAN account from Payset and when they added credit card processing it was huge for us. Our previous provider cost way more and was way more of a pain to deal with.

Sam Calnitzky
Sales at Carmen Cloud Computing
/ 02

I’m really impressed by the rates at Payset particularly for card processing. It’s always been a huge expense for us for large transactions. The pricing models really benefit us since we often deal in large sums.

Trevor Briggs
CEO at Mantra M.O Ltd.
/ 03

We’ve saved a lot of steps in our payment processing thanks to Payset. The ability to have it all in one place and be able to process so many different payment types is amazing, and the dashboard is really straightforward.

Catherine Kolodny
Founder at Heart of the Batter Cakes
/ 04

Payset has been a big part of helping us get to the next level with our business. Expanding has been way easier now that we’re able to process payments easily for clients in so many different regions.

Melanie Lovell
Sales at Cosmo Digital
/ 05

How do I get started?

Say Hi

Say hi

Meet our amazing team, share a few details about your business, and leave us your contact info.

Get on Board

Get on board

An account executive will guide you through the onboarding process for your

Payset IBAN account

, which is quick and easy to set up.

Enjoy using it

Enjoy using it

Log in to your account to manage your funds 24/7 and enjoy the low fees and fast execution of your Payset IBAN account.

get started

asked questions

How do I setup a credit card processing account?

If you have not yet opened a Payset account, first do so by clicking “Open Account” on the Payset homepage and filling out our pre-application.

Once the application is approved and your personal account manager has contacted you to set up your account, you will be provided with our API documentation and one of our integration specialists will assist you setting up the connection to our gateway.

How much are the processing fees?

Payset’s credit card processing fees are among the lowest in the industry. Processing fees are divided into two separate fees: Transaction Fee + Processing Fee.

The transaction fee is fixed, usually around 0.35$. Processing fees are anywhere between 1% and 3% depending on:

  • The country where your customer is located
  • The monthly volume of transactions you process
  • The average transaction volume

Please contact your account manager for details specific to your business.

Here is an example of a typical rate for credit card processing:

Customer Country: United Kingdom
Monthly transaction volume: 0-25,000 EURO
Average transaction volume: 250 EURO
Payset’s fee for the payment = 1.5% + 0.35 cents.

What do I do if I receive a chargeback?

What is a chargeback?

A chargeback occurs when a sales transaction is altered or cancelled after the merchant has already processed it. Chargebacks typically occur due to one of three reasons:

  • Errors made by the merchant or client during credit card transactions
  • Non-authorized transactions
  • Disputes filed by the client

What happens when you receive a chargeback?

Payset will send you a Chargeback Notification requesting a receipt or other proof (e.g., website logs) that demonstrate that the cardholder did indeed authorize the purchase. Merchants should be sure to respond to these notifications as soon as possible.

How do I avoid credit card fraud?

Your Payset account is secured using the highest level of PCI Data Security measures in the industry. Still, events of fraud may occur. The key to prevention is quickly and efficiently handling it when it does happen.

Preventing fraud in face-to-face transactions:

  • Train staff to detect suspicious behaviour in customers such as nervousness; being in a hurry; large, random, or expensive purchases; signatures that don’t match.
  • Train staff to detect card security features such as holograms, embossing, date, and signature panels.

Preventing fraudulent internet or telephone orders:

Always look out for:

  • Unusually large orders
  • Orders of big-ticket items
  • Quick sales or rushed orders
  • Multiple transactions on similar card numbers
  • Orders placed from multiple cards but shipped to the same address

How is my credit card processing account secured?

Payset and all users of its credit card processing services must comply with all PCI Data Security measures. This ensures the security of both your account and assets as well as that of your clients. If you need professional advice, please contact us.