CARD
Card acquiring
Merchant accounts in your own name, provided and approved by our acquiring partners.
- Domestic and cross-border
- 3D Secure and recurring billing
- Multi-currency settlement
CARD · CRYPTO · ALTERNATIVE PAYMENTSIndependent Sales Organization (ISO)
Access the world's
finest payment rails.
The best acquirers and payment providers are selective, and most applications fail on preparation, not on the business. As an independent ISO, FCF Solutions prepares your file, matches you with partners whose appetite fits and presents you so the answer can be yes. Card and crypto, through one introduction.
- Independent
- Many providers, tied to none
- Prepared
- Complete and checked before anyone reads it
- Card and crypto
- Every rail, one point of contact
Card acquiringCrypto paymentsStablecoin settlementAlternative payment methodsMulti currencyRecurring billingCross border3D SecurePayoutsRisk and complianceCard acquiringCrypto paymentsStablecoin settlementAlternative payment methodsMulti currencyRecurring billingCross border3D SecurePayoutsRisk and compliance
Two worlds, one desk
Every card in your customer's wallet. Every coin in it, too.
Your customers expect to pay the way they want, by card or by crypto, and expect it to simply work. We connect you with the acquirers and crypto providers that make that possible, set up side by side.
Cards
Consumer, premium and commercial cards, domestic and cross-border, through our acquiring partners
Crypto
Bitcoin, Ether and major stablecoins, settled to fiat or on-chain by licensed crypto payment providers
Our model
We are not a payments provider. We are how you reach the right one.
Most merchants meet one provider and accept its terms. As an Independent Sales Organization, we learn your business first, then introduce you to the partners best suited to it, and we stay with you after you go live.
What we are
- ✓
Independent ISO
We work with a network of acquirers and providers and are paid to find the right fit, not to push one partner.
- ✓
Pre-underwriting partner
We assemble and check your file before it goes out, so the provider's underwriters get a complete, consistent application.
- ✓
Card and crypto under one roof
ISO for card acquiring, and referral partner to crypto and alternative payment providers. One relationship for all of it.
- ✓
Support after go-live
Second rails, new markets, backup providers. We remain your point of contact.
What we are not
- ×
Not an acquirer or bank
Your transactions are governed by your own agreement with the provider.
- ×
Not an aggregator or payment facilitator
Your merchant account is in your own name, never under ours.
- ×
Not a money transmitter
We never receive, hold or settle your funds. They go straight from the provider to you.
- ×
Not a promise of approval
Every provider makes its own underwriting decision. We make sure it's an informed one.
One door
One application in. The right partner out.
Partners are shown by category. Which ones we present you to depends on your business, your markets and each provider's appetite. Every partner makes its own approval decision.
The rails
Every way your customers want to pay. From card to chain.
CRYPTO
Crypto payments
Accept digital assets through licensed crypto payment providers and settle to bank, wallet or both.
- Bitcoin and stablecoins
- ERC-20 and TRC-20 settlement
- Fiat or on-chain payouts
APM
Alternative methods
Local and alternative payment methods from our partners, working alongside cards and crypto.
- Wallets and bank transfers
- Local methods by market
- Fits your existing stack
All rails are provided by our partners under your own agreement with them.
The process
Four steps. Nothing left to chance.
- 01
Apply once
One structured, step-by-step application with secure document upload. Your progress saves automatically.
- 02
We prepare your file
Our compliance team checks every document on arrival and sends you one consolidated list of anything missing or unclear.
- 03
We present you
Your file goes only to partners whose appetite fits your business. Each partner runs its own underwriting and makes the approval decision.
- 04
You go live
You sign directly with the provider, in your own name. We stay on as your point of contact.
Begin step one Your progress saves as you go, so you can stop and return at any point.
The platform
Underwriting intelligence before the underwriter.
Our platform reads every document as you upload it and checks it against your application, so the questions a provider's underwriter would ask are answered before they open your file.
- AI document reading, with human review of anything uncertain
- Declared data checked against submitted documents
- A client portal showing exactly what's still outstanding
- A permanent audit trail of every step
Our review prepares your file. The approval decision always belongs to the provider.
FCF · UNDERWRITING CONSOLELIVE
Example merchant · illustration
Northwind Commerce Ltd
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Checklist
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- IncorporationPENDING
- Ownership & UBOsPENDING
- Business addressPENDING
- UBO identityPENDING
- Proof of domainPENDING
- Bank statementsPENDING
- Processing historyPENDING
What you can count on
Payments is a business of trust. We run ours that way.
Independence
We recommend the partner that fits, or tell you plainly what would need to change before one would.
Preparation
Every file we present is complete, consistent and true. Providers know our files can be relied on.
Discretion
Your documents are used only for your application and shared only with the providers it's presented to. Every access is logged.
Candour
We flag gaps early and never promise an approval that isn't ours to give.
Begin
Your next payments provider is one conversation away.
Tell us about your business. We'll give you a plain assessment of which rails and providers fit, and what it takes to get there.