Card acquiring for online businesses
Accept Visa and Mastercard payments with Finsei's direct acquiring, and settle in multiple currencies - no unnecessary steps in between
Talk to our teamWhat is card acquiring?
Card acquiring gives your business access to the Visa and Mastercard networks. The acquirer is a licensed institution that manages your merchant account, connects you to the card schemes, and settles funds directly to you.
How card acquiring works
Every card payment goes through several steps behind the scenes - all in a matter of seconds
Transaction initiation
Your customer enters their card details at checkout. The payment gateway encrypts the data and sends it to us.
Authorisation request
We forward the transaction to Visa or Mastercard, who route it to the customer's bank.
Authorisation response
The bank approves or declines based on funds, fraud checks and card status. The answer travels back through the network to us, then to you.
Settlement
On a set schedule, we batch up approved transactions and send the funds, minus fees, to your account
Funds received
You get the net amount. Timing depends on the acquirer, typically same-day to a few business days
Transaction initiation
Your customer enters their card details at checkout. The payment gateway encrypts the data and sends it to us.
Authorisation request
We forward the transaction to Visa or Mastercard, who route it to the customer's bank.
Authorisation response
The bank approves or declines based on funds, fraud checks and card status. The answer travels back through the network to us, then to you.
Settlement
On a set schedule, we batch up approved transactions and send the funds, minus fees, to your account
Funds received
You get the net amount. Timing depends on the acquirer, typically same-day to a few business days
Benefits of card acquiring
More sales, more reach
Customers convert more often when they can pay with the card they already use, and card payments open the door to customers abroad, without manual invoicing
Built-in payment protection
Your acquirer manages chargeback and dispute processes through established card network rules, helping simplify payment operations
Direct access, fewer delays
Acquirers connected directly to Visa and Mastercard approve more transactions and depend less on third parties, so there's less waiting around
The Finsei card acquiring advantage
Unlock smarter, faster, and more secure payments with Finsei card acquiring - seamless transactions, ultimate control, and global flexibility.
Who uses card acquiring
Some industries depend on card acquiring more than others, especially where transaction volumes are high and payments happen fast
Online retail
Accept payments from customers worldwide with fast, reliable card processing.
Marketplaces
Handle frequent transactions between multiple buyers and sellers with ease.
Subscription-based businesses
Support recurring payments and improve payment success rates.
Digital services & entertainment
Process instant online payments while delivering a seamless customer experience.
Travel & hospitality
Accept multi-currency payments for bookings and international customers.
Want to learn more about card acquiring for your business?
Tell us a bit about your business and we'll get back to you with details relevant to your case
Frequently asked questions
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