Accept payments
Higher approvals. Fewer declines.
Merchant acquiring for businesses that need more than a standard bank can offer — higher approval rates, global reach and a team that picks up the phone.
How payments move
From the customer’s card to your settlement account — every step managed with automated routing, real-time risk scoring and transparent reconciliation.
1. Customer
Initiates payment at checkout — card, wallet or alternative payment method of choice.
2. Your business
The payment request is sent via a single unified API integration — one connection, every payment type.
3. VIP360
Automated routing, real-time risk scoring, AML checks and compliance verification — all in milliseconds.
4. Banking network
Authorisation, clearing and settlement across 180+ countries, with local rails in 60+ markets for maximum approval rates.
Smart Routing
Acquirer selection on published criteria
The same four criteria that route our payments route your card transactions — toward the acquiring path most likely to approve.
- The best all-in cost
- The fastest arrival
- The best chance of success
- The right rail per corridor
One payment, weighed across every available rail — routed the way most likely to arrive.
Infrastructure built for scale
Six core capabilities — each engineered to solve a real problem.
Smart Routing
Automated routing selects the optimal acquiring path in real time — maximising approvals and minimising cost per transaction across every market.
Regulatory cover
PCI DSS Level 1, 3DS2, SCA and AML monitoring — managed within the stack, so you never need to run a separate compliance programme for card acceptance.
Risk engine
Automated risk scoring with fully customisable rules — cut chargebacks without killing legitimate transactions in any vertical or region.
Payment methods
Cards, wallets, open banking and alternative payment methods — one unified API across every supported market.
Multi-currency settlement
Settle in 40+ currencies with full treasury reporting visibility.
Real-time analytics
Live dashboards, approval-rate drill-downs by market or channel, and a developer-first API with webhooks and real-time reporting.
PCI DSS Level 1 · ISO 27001 · 3DS2 · SCA · AML continuous monitoring · GDPR. Compliance documentation available on request to qualified merchants during due diligence.
Live in as little as 7 days
Subject to all relevant documentation — onboarding and KYB checks run in parallel, not in sequence, and a named specialist guides you end to end.
Your contract, onboarding and underwriting sit with VIP360; authorisation, clearing and settlement run on the rails of sponsoring acquirers and the card networks. See how it works.
What would a 97% approval rate be worth?
Illustrative estimate only. Actual approval rates depend on your sector, card mix, geography and the underwriting outcome — 97% is the network average across all verticals and regions, not a promise for any single merchant.
Frequently asked questions
How fast can we start processing?
You can go live in as little as 7 days, subject to all relevant documentation. Onboarding and KYB checks run in parallel where possible, and your specialist tells you what to expect up front.
Who do we contract with?
Your contract, onboarding and underwriting are with VIP360, and payments run on the rails of sponsoring acquirers and the card networks. One direct relationship — not a chain of middlemen.
Do you support sectors banks decline?
Yes — the platform is built for complex and specialist sectors, including iGaming, crypto, forex, travel, CBD and subscription businesses, subject to underwriting and compliance assessment.
What does it cost?
Pricing depends on your sector, volumes and card mix, so we quote rather than publish a rate card. Every fee category — processing, settlement, reserves, chargebacks — is named and explained before you commit. No hidden risk premium.
See how we’d route your payments
Tell us your sector, volumes and markets — we’ll tell you honestly what approval rates and settlement look like for a business like yours.