Card acquiring · paypr.work

The right card
acquirer, properly
introduced.

Whether you're a SaaS company taking your first card payments, a marketplace scaling across borders, a subscription business renewing millions of cards a month, or a merchant in a sector that needs a specialist underwriter, we know who fits, and we make warm introductions on the basis of fit. Not a marketplace. Not a tip-jar form. Real intros, sent by humans, to acquirers who are expecting your file.

See how your file looks
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who we work with

All kinds of merchants.

Most of the merchants we introduce are mainstream. We also work with specialist verticals where placement is harder but very much possible. The right acquirer depends on your file, not just your MCC.

E-commerce & D2C

Shop, marketplace, single-brand or multi-brand. Domestic or cross-border, single currency or multi.

SaaS & B2B software

Self-serve checkout, sales-led contracts, hybrid models. Enterprise invoicing or seat-based billing.

Subscriptions

Recurring billing at scale. Renewal optimisation, account-updater enrolment, churn-aware retries.

Marketplaces & platforms

Two-sided, multi-seller, split payments. Sub-merchant onboarding, payouts, platform reconciliation.

Travel & hospitality

Air, OTA, lodging, mobility. Forward-delivery exposure managed; chargeback profile understood.

Retail & POS

Bricks-and-clicks, omnichannel reconciliation. In-person and CNP under one acquiring relationship.

Digital goods & services

Software, content, downloads, prepaid balances, on-demand services. Strong MCC mapping is half the job.

Education, health & wellness

EdTech, telehealth, mental wellness, fitness. Compliance-aware, clear on what each scheme requires.

FinTech & PSPs

Builders of payment products. Acquiring under your scheme membership, sponsor-bank shortlists, BIN routing.

Non-profits & donations

Recurring giving, micro-donations, gift aid. MCC and scheme-rule fit handled up front.

Specialist verticals

Nutra, dating, forex, iGaming, crypto, e-entertainment. Narrower acquirer pool, but we know it well.

case-by-case

Declined elsewhere?

A previous decline is a signal, not a verdict. We'll tell you honestly whether a fresh approach is worth running.

Don't see your sector?   We've almost certainly placed it before. Tell us your file and we'll come back honestly.
what an introduction means

Not a marketplace. A real intro.

"Introduction" is doing a lot of work in this industry. Here's what it means at paypr.work.
Fig. a / pre-qualified

We read your file first.

Volume, geography, history, MCC, ticket size, refund and chargeback profile. Then we shortlist acquirers we already know will want it, not whoever clicks first.

Fig. b / warm

We email-introduce by name.

The acquirer hears from us with context, before they hear from you. They open the conversation knowing your shape, your timeline, and what to underwrite.

Fig. c / comparable

You see two or three serious offers.

Real proposals: pricing, reserves, settlement terms, scheme coverage. You compare on like-for-like, with our second pair of eyes if you want them.

quick estimator

How does your file look to an acquirer?

Three inputs, one number, one paragraph. A directional read on placement difficulty, not underwriting. Gives you (and us) a useful starting point before the discovery call.
Fig. 2. Acquiring difficulty estimator. Output is directional, not underwriting.
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Difficulty
?/10
awaiting input

Tell us a bit more

Pick an industry, your monthly card volume, and your billing jurisdiction. We'll give you a directional difficulty score and what to expect on placement.

Directional only. Real placement depends on documentation, history, processing track record, scheme exposure and other factors that don't fit in three dropdowns. We'll do the proper read on the discovery call.

how it works

From your form to a live MID, without theatre.

One workflow whether you're a clean SaaS file or a specialist merchant. We tell you the timeline up front, and what's required before the acquirer says yes.
01 / send

You send a form

Industry, volume, jurisdiction, where you bill from, who your customers are. Two minutes. NDA on request before specifics.

02 / pre-qualify

We pre-qualify within 24h

A real human reads it. We come back with the realistic acquirer shortlist, the timeline, and any documentation gaps to close first.

03 / introduce

We make warm intros

Email-introduced by name to two or three acquirers. Each one is briefed up front and expecting your file. No cold pitching, no marketplaces.

04 / sign

You sign and go live

You compare offers on like-for-like terms. We stay reachable through onboarding and after: settlement, reserves, scheme questions, the lot.

why us

Independent. By design.

No software to sell, no transaction cut, no preferred winner. Just time, judgement, and a network.

We don't sell software. We don't take a cut of your transactions. We don't have a single acquirer to push. We sell time, judgement, and a network built over years on the inside of the card payments industry.

That changes everything. We're paid by the partner network on referral, but the recommendation is yours and ours together. Never an upsell, never a pre-set winner. If two acquirers fit your file equally, we'll tell you the trade-offs and let you choose.

And if there's no good acquirer for what you're doing today, we'll say so. The honest "not yet, here's what to fix first" is worth more than a strained intro that wastes a quarter.

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Acquirer pool
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First reply
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FAQ

Common questions on acquiring.

Couldn't find what you're after? Send us a form and we'll come back within 24 hours.

Quick reads on the questions we get most. For anything else, the form is the fastest way to a real answer.

  • We read your file first: volume, geography, history, MCC, ticket size, refund and chargeback profile, and shortlist acquirers we know will want it. Then we email-introduce: the acquirer hears from us, with context, before they hear from you. You compare two or three serious offers, not generic quotes off a marketplace.
  • No. There is no fee charged to you for an acquirer introduction. We're paid on a referral basis by the partner network, and the recommendation is independent of who pays whom. If you'd like the underlying mechanics, we'll explain on the call.
  • Most of them. Mainstream verticals are the bulk of what we do: SaaS, e-commerce, D2C, subscriptions, marketplaces, travel, hospitality, retail, education, health and wellness, non-profits. We also cover specialist verticals (nutra, dating, forex, iGaming, crypto, adult) where the acquirer pool is narrower but very much known to us.
  • EU, UK, US and offshore. We work with merchants and PSPs worldwide. The right acquirer depends on where you bill from, where your customers are, and which schemes you need. We'll match those before we shortlist.
  • Worth talking. A previous decline is a signal, not a verdict. Sometimes the file was wrong, sometimes the acquirer was wrong, sometimes both. We'll tell you honestly whether a fresh approach is worth running, and exactly what to fix in the file first if it isn't.
  • For a clean mainstream file: 2 to 4 weeks from form to live MID. For specialist or higher-complexity files: 4 to 12 weeks depending on jurisdiction, documentation, and reserve negotiations. We give you a timeline up front, after the pre-qualification, not after.
  • Reserves and rolling holdbacks are a normal part of acquiring for many merchant profiles, and they vary by sector, history, ticket size and forward-delivery exposure. We'll tell you what's realistic to negotiate, what isn't, and what tends to step down once a track record is built.
  • Of course. Counter-signed before the discovery call. Most files we touch are shared under NDA from the start, and the same applies to anything we relay onward to an acquirer.
Ready when you are

Find an acquirer that says yes.

Tell us about your business. We'll come back within 24 hours with a realistic shortlist, a timeline, and the next step.

  • No fee charged to you. Ever.
  • Real human reply within 24h on business days.
  • NDA on request before specifics.

Request an introduction.

Two minutes. Industry, volume, jurisdiction, where you bill from. We'll take it from there.