# Nomupay – A global payment provider offering end-to-end solutions > ## Quick Facts - Founded in 2021 - 9 offices and 230+ employees across the UK, Europe, MENA and Asia - Acquired Cardinity in 2022 and Total Processing in 2023 - Licensed and regulated in 8 countries with direct access to 40+ countries and territories - Accept payments in 133+ currencies ## What We Do We strive to be the world's preferred global payments partner. By providing access to high-growth markets with our local licences and global network of partners, plus a unified pay-in and payout solution, we remove complexity and let you unleash your global potential, all via a single integration. ## Our Products - Global acquiring powered by local licenses and partners; accept, distribute and settle payments all over the world. - Accept online payments on any device with 200+ APMs to choose from, plus take payments in-store with our card readers package. - Send flexible payouts with ease; be in full control and choose when, how and how much you pay. ## Our Solutions - Recurring payment features including flexible schedules, auto-rebiller and multi-card registration. - Gateway agnostic solutions for seamless re-routing to increase authorisation rates. - A Unified Platform to manage, track and report all global data from one place. - Comprehensive fraud suite, including risk alerts, blocklists and 3DS2 authentication. > ## Contact & Social - Website: https://nomupay.com/ - Instagram: @nomupay - LinkedIn: @nomupay - Support: help@nomupay.com - Sales: hello@nomupay.com --- ## Pages - [Mobile Payments, Made Simple](https://nomupay.com/mobile-payments/): Accept online payments on one seamlessly integrated platform → Quick, easy and safe ✓ No downtime - Drive more conversions ✓ Get a free quote now. - [Pricing](https://nomupay.com/pricing/): Every business is unique, and so are our pricing plans. Get bespoke solutions and pricing that’s right for you. - [Nomupay is licenced in the following jurisdictions](https://nomupay.com/licences/): Europe UAB Nomu Pay Europe is a company incorporated in Lithuania, with its registered address at Sunrise Valley Science and... - [UAE Privacy Policy](https://nomupay.com/uae-privacy-policy/): Nomupay (we, us, ours) and its subsidiaries, namely Total Processing Payment Services Provider LLC (TP UAE, we us, ours), are... - [Our Offices](https://nomupay.com/our-offices/): Get in touch with us today → Call us or email sales@nomupay.com or contact our 24/7 tech team at support@nomupay.com. - [Unified Platform](https://nomupay.com/unified-platform/): Your one-stop platform to track, manage and implement your payments with ease. Consolidate your global data with our single Unified Platform! - [Global Payments](https://nomupay.com/global-payments/): Meet the payment software built for every business ✓ Reduce rates by 40% with our all-in-one processing solutions ✓ Bespoke service - 24/7 customer service. - [Payouts](https://nomupay.com/payouts/): Send mass payments quickly and easily with our global payouts solution | Be in control of your payout flow from start to finish & send local payments. - [Forex Payment Gateways](https://nomupay.com/forex-payment-gateways/): Accept payments for FX & Prop Trading with a Forex payment gateway → 100% approval rate ✓ Expert risk management ✓ 24/7 support - Grow your business. - [CBD Payment Gateways](https://nomupay.com/cbd-payment-gateways/): Accept payments for CBD products with a CBD payment gateway → 100% approval rate ✓ Expert risk management ✓ 24/7 support - Grow your business. - [Secure Payment](https://nomupay.com/secure-payment/): Taking payments with Nomupay's secure payment gateway - [High-Risk Merchant Account](https://nomupay.com/high-risk-merchants/): Do I need a high-risk merchant account? High-risk business sectors may find it difficult to obtain a merchant account. Not with Nomupay - Get in touch! - [Card Readers](https://nomupay.com/card-reader/): Find the right card payment machine for your business → Take advantage of our special low-rate guarantee - 24/7 customer support ✓ Next-day settlements. - [Pay By Link](https://nomupay.com/pay-by-link/): Create & send payment links in seconds ✓ Pay by link service to increase conversions & track transactions ✓ Manage payment requests with Unified Platform. - [Backup Page](https://nomupay.com/backup-page/) - [Terms & Conditions](https://nomupay.com/terms-conditions/): PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE Terms of website use This terms of use (together... - [Candidate Privacy Policy](https://nomupay.com/candidate-privacy-policy/): Privacy notice for individuals wishing to register an interest in working for Nomupay - [Complaints Policy](https://nomupay.com/complaints-policy/): Letting us know when and why you are not happy gives us the opportunity to put matters right for you in a transparent way - Read our complaints policy. - [Cookie Policy](https://nomupay.com/cookie-policy/): This cookie policy describes how Nomupay ("TP") uses "cookies" and other similar technologies, in connection with our Site and Services. - [About Us](https://nomupay.com/about/): Learn about how we got started & meet the founders. Find out more about our mission to be the most customer-friendly payment solutions company. - [Guides](https://nomupay.com/guides/): Get in-depth insights into payment solutions with our accessible, easy-to-read guides ✓ Learn everything you'll need to know about the payments landscape → - [Application](https://nomupay.com/application/) - [Partners](https://nomupay.com/partners/): Become a partner with Nomupay ✓ Build a better experience for your merchants & increase your audience, revenue & customer experience. - [Merchant Account](https://nomupay.com/merchant-account/): Low rate promise | Fast approval | Industry leading security | Tailored Account. Get a fast quote from a provider not owned or controlled by a bank. - [Integration](https://nomupay.com/integration/): Access a flexible network of acquiring banks, payment methods & plug-ins under one integrating payments software ✓ Same-day integration. - [Contact Us](https://nomupay.com/contact/): Get in touch with us today → Call us or email sales@nomupay.com or contact our 24/7 tech team at support@nomupay.com. - [Blog](https://nomupay.com/blog/): Discover the latest news, trends, tips, insights & updates on payments technology & solutions from Nomupay ✓ Read it here now → - [Alternative Payment Methods](https://nomupay.com/alternative-payment-methods/): Allow your customers to pay how they want with 200 different payment methods available ✓ Globally optimised & in one integration ✓ Take a look now. - [Unified Platform](https://nomupay.com/total-control/): Introducing Unified Platform, your one-stop payment solutions software - Custom reporting & transaction management ✓ Real-time insights ✓ 24/7 support. - [Smart Checkout](https://nomupay.com/revenue-optimisation/): Boost transactions with our e-commerce checkout optimisation services ✓ Lower cart abandonment rates ✓ Enjoy seamless payment flows. - [Fraud Suite](https://nomupay.com/total-defender/): Guaranteed chargeback protection solutions & management ✓ AI automated software - Enjoy safer checkouts & higher win rates ✓ 24/7 customer support. - [Fraud & Risk](https://nomupay.com/fraud-risk/): Safeguard your business with our e-commerce fraud protection payment solutions ✓ 120+ fraud tools - AI-powered real-time insights ✓ Stop chargebacks now. - [Recurring Payments](https://nomupay.com/recurring-payments/): Accept recurring payments with our flexible billing platform ✓ Fast-track transactions & increase customer retention ✓ Automated subscription management. - [Online Payment Gateway](https://nomupay.com/payment-gateways/): Accept all payments on one trusted payment gateway provider ✓ Drive conversions all over the world and never miss a sale - Let your customers pay how they want. - [Virtual Terminal](https://nomupay.com/virtual-terminal/): Accept credit and debit card payments remotely via a virtual terminal - Perfect for remote billing ✓ PCI DSS compliant ✓ Anti-fraud - [Online Payments](https://nomupay.com/online-payments/): Accept online payments on one seamlessly integrated platform → Quick, easy and safe ✓ No downtime - Drive more conversions ✓ Get a free quote now. - [Home](https://nomupay.com/): Meet the payment software built for every business ✓ Reduce rates by 40% with our all-in-one processing solutions ✓ Bespoke service - 24/7 customer service. - [Global Privacy Policy](https://nomupay.com/privacy-policy/): Read our privacy policy to learn how we collect, use and manage your data. --- ## Case Studies - [ITQ Digital](https://nomupay.com/case-studies/itq-digital/): ITQ Digital is a renowned e-commerce agency, committed to helping businesses achieve their commercial objectives. Discover how ITQ partnered with... - [Invevo](https://nomupay.com/case-studies/invevo/): Invevo is on a mission to eradicate the challenges that come with collecting payments. Discover how our partnership with the... - [Techquity](https://nomupay.com/case-studies/techquity/): Techquity, a dynamic UK-based e-commerce agency, is reshaping the online retail landscape. Find out how this innovative company partnered with... - [Naturecan](https://nomupay.com/case-studies/naturecan/): With the goal to spread the health benefits of CBD worldwide, discover how Nomupay helped Naturecan scale its business to... - [Mont Blanc Treks](https://nomupay.com/case-studies/mont-blanc-treks/): With a mission to provide an unforgettable trekking experience, find out how Mont Blanc Treks partnered with us to simplify... - [Acceptcards](https://nomupay.com/case-studies/acceptcards/): Founded in 2005, Acceptcards remains the only brokerage service covering all areas of merchant services, including access to the entire... - [MNKY HSE](https://nomupay.com/case-studies/mnky-hse/): Introducing Manchester’s hottest new night spot: MNKY HSE. Find out how this vibrant Latin American restaurant and bar partnered with... - [Their Perfect Gift](https://nomupay.com/case-studies/their-perfect-gift/): Discover how Their Perfect Gift, an international gift card supplier to corporates and consumers across Europe, has changed its payment... - [Hanover Insolvency](https://nomupay.com/case-studies/hanover-insolvency/): Discover how the UK’s largest IVA provider maximised its revenue by increasing collection rates and customer retention through easy-to-manage subscription... - [Wave Direct](https://nomupay.com/case-studies/capitalizing-on-growth-using-total-control/): Discover how the family-founded business has experienced exponential growth from selling hot tubs and spa accessories online since going live... - [Cignpost | Express](https://nomupay.com/case-studies/cignpost-express/): Find out how the UK’s largest covid test provider for consumers across the travel sector was able to start taking... - [Connect Childcare](https://nomupay.com/case-studies/connect-childcare-case-study/): See how the leading provider of nursery management software is now efficiently handling over £1 billion in payments annually, as... --- ## Guides - [Checkout flow | Strategy guide](https://nomupay.com/guide/checkout-flow-strategy-guide/): The way businesses determine their demographic and target audience is changing because of the devices and payment methods customers are... - [Recurring payments | The ultimate guide](https://nomupay.com/guide/recurring-payments-the-ultimate-guide/): Recurring payments have become the norm for both consumers and businesses, especially since there’s been a huge increase in the... - [Chargebacks Reality](https://nomupay.com/guide/chargebacks-reality/): Chargebacks are being filed with such an alarming frequency that it has become commonplace for merchants to absorb the disruption... - [Maximising Merchant Accounts in High-Risk Industries](https://nomupay.com/guide/maximising-merchant-accounts-in-high-risk-industries/): A high-risk merchant account is provided to businesses who are: Seeking to facilitate credit and debit card transactions and therefore... - [The PSD2 SCA Trifecta](https://nomupay.com/guide/the-psd2-sca-trifecta/): The main incentive of PSD2 beyond the enhancement of fraud prevention methods and authentication online, is to expand the scope... --- ## Support - [Payment terms](https://nomupay.com/support/payment-terms/): NomupayIt is the trademark owned by Nomupay and the system of payment card acceptance in e-commerce developed by Nomupay. AgreementThe... - [What are website requirements for online shops?](https://nomupay.com/support/website-requirements/): Read more for a list of requirements for companies and individuals to have on their website to accept payments with Nomupay. - [Where can I find information about a customer?](https://nomupay.com/support/where-can-i-find-information-about-a-customer/): Log in to your Unified Platform and head to the transactions tab. Here you'll be able to filter your transactions... - [How do I change my bank account information?](https://nomupay.com/support/how-do-i-change-my-bank-account-information/): If you need to change your merchant bank account information, please get in touch with our support team at help@nomupay.... - [Which products and businesses are prohibited?](https://nomupay.com/support/which-products-and-businesses-are-prohibited/): Please review before submitting your application If your business or product falls within these categories, we regret to inform you... - [Is a chargeback a refund?](https://nomupay.com/support/is-a-chargeback-a-refund/): Is a chargeback a refund? No. A chargeback is different to a refund in that a customer will contact their... - [How is Unified Platform different from the Gateway/ Virtual Terminal?](https://nomupay.com/support/how-is-unified-platform-different-from-the-gateway-virtual-terminal/): How is Unified Platform different from the Gateway/ Virtual Terminal? Unified Platform consolidates information from the Gateway and the Virtual... - [CBD at POS](https://nomupay.com/support/cbd-at-pos/): Can I process CBD at POS? Processing POS with CBD is currently dependent on your business model. Please contact us... - [MCC business codes](https://nomupay.com/support/mcc-business-codes/): MCC codes, aka Merchant Category Codes, are assigned to businesses to help banks identify a transaction. The code a merchant... - [How do I access Unified Platform?](https://nomupay.com/support/how-do-i-access-unified-platform/): How do I access Unified Platform? Access credentials will be provided to you depending on your business when you onboard... - [Which MCC codes are considered high-risk?](https://nomupay.com/support/which-mcc-codes-are-considered-high-risk/): Which MCC codes are considered high-risk? MCC 6012 is the most commonly known high-risk merchant ID. However, merchants operating in... - [CBD processing prohibitions](https://nomupay.com/support/cbd-processing-prohibitions/): Flowers, Seeds, Buds and Hash The sale of Flowers, Seeds, Buds and Hash within the CBD industry is prohibited by... - [How do you integrate with WooCommerce?](https://nomupay.com/support/how-do-you-integrate-with-woocommerce-2/): How do you integrate with WooCommerce? WooCommerce is integrated with your ecommerce platform using our plug-in functionality. - [FCA](https://nomupay.com/support/fca/): What is the FCA? The FCA is the financial conduct authority and regulates the conduct of financial institutions in the... - [WooCommerce](https://nomupay.com/support/woocommerce-2/): Do you integrate into WooCommerce for me? We can provide integration documents to assist in this process and will integrate... - [E-Commerce integration](https://nomupay.com/support/e-commerce-integration-2/): How long does integration to my e-Commerce platform take? Integration time is entirely dependent on the e-Commerce platform you are... - [CBD risk](https://nomupay.com/support/cbd-risk/): Is CBD classed as high-risk? CBD is considered high-risk due to the potential illegalities of the business and the changing... - [Unified Platform](https://nomupay.com/support/unified-platform/): What is Unified Platform? Unified Platform is our proprietary and innovative CRM tailored to provide merchants with data-rich insights and... - [High Risk Transactions](https://nomupay.com/support/high-risk-transactions/): What are high-risk transactions? A transaction is deemed high-risk by the industry it is made within; such as CBD, Gambling... - [CBD THC levels](https://nomupay.com/support/cbd-thc-levels/): Why do I need to display THC levels on my CBD products? CBD merchants need to clearly state that their... - [MID access](https://nomupay.com/support/mid-access/): Do I need a Merchant Account for Unified Platform? Yes, you will need a MID with Nomupay to access Unified... - [Levels of compliance](https://nomupay.com/support/levels-of-compliance/): What are the different levels of compliance? There are four levels of compliance. The level you need is dependent on... - [AVS (Address verification service)](https://nomupay.com/support/avs-address-verification-service/): The gateway is equipped with the ability to provide an address verification service (AVS) The gateway is equipped with the... - [Card security code checking](https://nomupay.com/support/card-security-code-checking/): The card verification number, also known as the CVV number, refers to the last three digits printed on the reverse... - [Can I access the Virtual Terminal via mobile?](https://nomupay.com/support/can-i-access-the-virtual-terminal-via-mobile/): Can I access the Virtual Terminal via mobile? Yes, our virtual terminal is optimised for mobile use. - [Recurring payments](https://nomupay.com/support/recurring-payments/): What are recurring payments? Recurring payments allow you to take scheduled payments from the same customer. - [Do you accept Visa/Mastercard?](https://nomupay.com/support/do-you-accept-visa-mastercard/): Do you accept Visa/Mastercard? Yes, we accept Visa and Mastercard amongst 198 other payment methods. - [Visa/Mastercard chargeback codes](https://nomupay.com/support/visa-mastercard-chargeback-codes-2/): Visa/Mastercard chargeback codes. All major card brands will assign different reason codes for chargebacks; including Visa and MasterCard. These are... - [CBD ingredients](https://nomupay.com/support/cbd-ingredients/): Do I need to list the ingredients on my CBD products? Merchants must list all additional ingredients in addition to... - [What is WooCommerce?](https://nomupay.com/support/what-is-woocommerce/): What is WooCommerce? WooCommerce is a plugin for WordPress that facilitates e-commerce businesses. - [How do you integrate with WooCommerce?](https://nomupay.com/support/how-do-you-integrate-with-woocommerce/): How do you integrate with WooCommerce? WooCommerce is integrated with your e-commerce platform using our plug-in functionality. - [E-commerce integration](https://nomupay.com/support/e-commerce-integration/): E-commerce Integration How long does integration to my e-commerce platform take? Integration time is entirely dependent on the e-commerce platform... - [What is PCI Compliance](https://nomupay.com/support/what-is-pci-compliance/): What is PCI DSS Compliance? The Payment Card Industry Data Security Standard is a set of standards in place to... - [Can I use another gateway with your Virtual Terminal?](https://nomupay.com/support/can-i-use-another-gateway-with-your-virtual-terminal/): Can I use another gateway with your Virtual Terminal? No, our virtual terminal is integrated into our payment gateway. - [Do I need to become PCI compliant to take payments?](https://nomupay.com/support/do-i-need-to-become-pci-compliant-to-take-payments/): Do I need to become PCI compliant to take payments? Whilst PCI compliance is not a legal requirement, non-compliant merchants... - [What is a Virtual Terminal?](https://nomupay.com/support/what-is-a-virtual-terminal/): What is a Virtual Terminal? A virtual terminal is a virtual rendering of a credit card terminal, accessible online, used... - [Who does PCI compliance apply to?](https://nomupay.com/support/who-does-pci-compliance-apply-to/): Who does PCI compliance apply to? All businesses taking card payments, outside of an i-frame, regardless of size. - [Do we need to be compliant if Nomupay is?](https://nomupay.com/support/do-we-need-to-be-compliant-if-total-processing-is/): If Nomupay is compliant and we use your gateway, do we need to be compliant? Yes. Using our gateway reduces... - [Merchant Code 5814](https://nomupay.com/support/merchant-code-5814/): Interchange rates for Merchant Code 5814 Merchants holding an MCC 5814 classification are not eligible for some VISA or Mastercard... - [Do I need an FCA Licence?](https://nomupay.com/support/do-i-need-an-fca-licence/): Do I need an FCA Licence? Consumer credit firms, Investment firms, payment services, and other financial institutions will need to... - [What payment methods do you accept?](https://nomupay.com/support/what-payment-methods-do-you-accept/): What payment methods do you accept? Our gateway can accept over 198 payment methods in 196 countries, including major card... - [Taking recurring payments via the CRM](https://nomupay.com/support/taking-recurring-payments-via-the-crm/): How do I manage recurring payments in the CRM? You can manage your schedule and payment frequency via the CRM. - [What payment methods can I accept?](https://nomupay.com/support/what-payment-methods-can-i-accept/): What payment methods can I accept? This is entirely dependent on the location and nature of your business. To learn... - [Setting up and managing recurring payments](https://nomupay.com/support/setting-up-and-managing-recurring-payments/): How do I manage recurring payments? Recurring payments can be managed via the CRM. - [Do I need a gambling license with Visa and Mastercard?](https://nomupay.com/support/do-i-need-a-gambling-license-with-visa-and-mastercard/): Do I need a gambling license with Visa and Mastercard? This would depend on the nature of your business, for... - [Becoming PCI compliant.](https://nomupay.com/support/becoming-pci-compliant/): How do you become PCI compliant? To become PCI compliant merchants must first assess their current compliance level by completing... - [How can I set up recurring payments?](https://nomupay.com/support/how-can-i-set-up-recurring-payments/): How can I set up recurring payments? You can set up recurring payments easily via our CRM ‘Unified Platform’. - [MOTO payments](https://nomupay.com/support/moto-payments/): I want to process MOTO, what do I need? You will need a virtual terminal that sits atop of a... - [Recurring CBD Payments](https://nomupay.com/support/recurring-cbd-payments/): Can I take recurring payments for CBD? Due to the high-risk status of CBD business models, recurring payments for CBD... - [CBD payment gateway](https://nomupay.com/support/cbd-payment-gateway/): Why should I use your gateway for CBD? As CBD is considered a high-risk industry, many gateways commonly shut a... - [Visa-Mastercard chargeback codes](https://nomupay.com/support/visa-mastercard-chargeback-codes/): All major card brands will assign different reason codes for chargebacks; including Visa and MasterCard. These are readily available online. - [Merchant Category Code 6012](https://nomupay.com/support/merchant-category-code-6012/): What is merchant category code 6012? The merchant category code 6012, also known as the MCC code, is related to... - [WooCommerce](https://nomupay.com/support/woocommerce/): How long does integration to my e-commerce platform take? Integration time is entirely dependent on the e-commerce platform you are... - [How do I reduce the number of high-risk transactions I get?](https://nomupay.com/support/how-do-i-reduce-the-number-of-high-risk-transactions-i-get/): A transaction made within high-risk industries will always be deemed as such. However, ensuring that your processing environment is as... - [How to keep chargebacks at a manageable level?](https://nomupay.com/support/chargeback-ratios/): Visa and Mastercard Excessive Chargeback Program As part of your financial obligations to the card networks, you must ensure that... - [Chargeback disputes](https://nomupay.com/support/chargeback-disputes/): Whilst it does not happen often, what is known as a '2nd chargeback' against a customer can be raised. This... --- ## Posts - [HotelTime expands across SEA with Nomupay payments ](https://nomupay.com/blog/hoteltime-expands-across-sea-with-nomupay-payments/): Nomupay has provided HotelTime with local licences in Southeast Asia and a range of local payment methods to help them expand across the region. Read more... - [Nomupay X SBPS | We’re expanding into Japan](https://nomupay.com/blog/nomupay-x-sbps/): Nomupay expands into the Japanese market whilst SBPS goes global thanks to our $40m partnership. - [Navigating global payment gateway challenges](https://nomupay.com/blog/navigating-global-payment-gateway-challenges/): Take a look at the top 5 five challenges you could face with global payment processing and how a global payment gateway provider can help you overcome them. - [Nomupay X Venditan | A game-changing partnership](https://nomupay.com/blog/nomupay-x-venditan-a-game-changing-partnership/): Discover how our latest partnership with Venditan will revolutionise e-commerce merchants to help them enter new markets with ease. - [Nomupay Türkiye X NearPay | Turning smartphones into POS devices](https://nomupay.com/blog/nomupay-turkiye-x-nearpay-turning-smartphones-into-pos-devices/): The way small businesses accept payments in Türkiye is about to get a major upgrade! Nomupay has teamed up with... - [Nomupay, TerraPay & KlickEx Pacific join forces](https://nomupay.com/blog/nomupay-terrapay-klickex-pacific-join-forces/): Check out how this new partnership aims to deliver better payment capabilities across the Pacific Islands. - [Grow your global business with local acquiring](https://nomupay.com/blog/grow-your-global-business-with-local-acquiring/): Expanding your business globally requires understanding the preferences of new audiences, especially when it comes to payment methods. Localising payments... - [Online payments VS VPN | The challenge](https://nomupay.com/blog/online-payments-vs-vpn-the-challenge/): The online landscape is a double-edged sword for merchants. It offers incredible reach and growth potential, but it also comes... - [NomuPay partners with CatalystPay to expand its global reach](https://nomupay.com/blog/nomupay-partners-with-catalystpay-to-expand-its-global-reach/): NomuPay X CatalystPay We’re happy to announce that we have partnered with CatalystPay, a leading payment services provider, to amplify... - [How does a global payment gateway work?](https://nomupay.com/blog/how-does-a-global-payment-gateway-work/): Find the best global payment gateway providers to accept international payments – Learn what a global payment gateway is and more to know what to look for. - [What is recurring revenue?](https://nomupay.com/blog/what-is-recurring-revenue/): What does recurring revenue mean and why is it important to your business? Discover everything you need to know to gain a steady revenue flow. - [Is a subscription-based business model right for your company?](https://nomupay.com/blog/subscription-based-business-model-right-for-you/): Is a subscription-based business model right for your company? Find out all you need to know to consider this payment option. - [Best way to accept recurring payments](https://nomupay.com/blog/best-way-to-accept-recurring-payments/): Discover the best practices for accepting recurring payments. Improve your billing process & customer satisfaction with transparency, security, flexibility & data. - [Tools to increase your recurring revenue](https://nomupay.com/blog/tools-to-increase-your-recurring-revenue/): Payment reconciliation tools to maximise the potential of your recurring revenue solution – Improve your customer retention & watch your business grow. - [Everything you need to know about PSD3](https://nomupay.com/blog/everything-you-need-to-know-about-psd3/): Discover everything you need to know about the latest payments service directive (PSD3), and what this means for your business. - [Payment gateway in e-commerce | Explained](https://nomupay.com/blog/ecommerce-payment-gateway-explained/): Delve into e-commerce payment gateways – the best payment gateway solutions for an e-commerce website, how to choose the right one and integrate it. - [How do online payment systems work?](https://nomupay.com/blog/how-online-payment-systems-work/): Discover how online payment systems work, how to set them up for your business & their benefits – Boost your sales & go global! - [What is recurring billing?](https://nomupay.com/blog/what-is-recurring-billing/): Automated payments like recurring billing predict revenue flow for merchants & offer convenience to customers. Explore types, benefits, challenges & solutions. - [NomuPay looks to increase merchants in next two years](https://nomupay.com/blog/nomupay-to-increase-merchants-in-two-years/): NomuPay looks to increase its global merchants in next two years. Read on to find out more. - [Variable recurring payments | Everything you need to know](https://nomupay.com/blog/variable-recurring-payments/): Variable Recurring Payments (VRPs) via open banking - Discover its benefits, security & comparison to Direct Debits - The future of recurring transactions. - [Reduce declines with an acquirer-agnostic gateway](https://nomupay.com/blog/reduce-declines-with-acquirer-agnostic-gateway/): Why should you use an acquirer-agnostic payment gateway? Discover the benefits & how to get an acquirer-agnostic gateway - Watch your approval rates soar! - [4 pain points for high-risk businesses](https://nomupay.com/blog/pain-points-for-high-risk-businesses/): Discover the key challenges of high-risk businesses and learn effective strategies to build trust, enhance cybersecurity & reduce chargebacks. - [How to safely accept online payments](https://nomupay.com/blog/how-to-safely-accept-online-payments/): Securely accepting online payments is crucial to your business’ success. Discover the tools you need to protect your business & customers for safe transactions. - [How to recover abandoned carts](https://nomupay.com/blog/how-to-recover-abandoned-carts/): Losing revenue down to abandoned carts? Read our top tips on how to recover abandoned carts and get those sales over the line! - [How to become operationally ready for real-time payments](https://nomupay.com/blog/become-operationally-ready-for-real-time-payments/): Discover how to become operationally ready for real-time payments. Follow our simple steps and start accepting real-time payments! - [Open banking vs. traditional payment methods | What’s the difference?](https://nomupay.com/blog/open-banking-vs-traditional-payment-methods/): Explore the differences between open banking payments and traditional payment methods. Compare access to data, cross-border payments, security & more. - [Total Processing joins forces with NomuPay](https://nomupay.com/blog/total-processing-joins-forces-with-nomupay/): Discover our latest venture by joining forces with NomuPay - How will being acquired affect our merchants, the benefits, our shared vision & more! - [Preparing your business for chargeback season](https://nomupay.com/blog/preparing-your-business-for-chargeback-season/): Navigate the holiday season with confidence! Learn how to combat chargebacks and provide a seamless shopping experience for your customers with our comprehensive guide for business merchants. - [How secure are recurring payments?](https://nomupay.com/blog/how-secure-are-recurring-payments/): Explore the tools that make recurring payments secure from tokenisation to fraud prevention & 3DS - Protect transactions with the latest payment processing technology. - [How do crypto payments work?](https://nomupay.com/blog/how-do-crypto-payments-work/): Our guide demystifies crypto payment gateways. Discover what a crypto payment gateway is, how it works and why you need one to accept crypto payments. - [What are chargebacks?](https://nomupay.com/blog/what-are-chargebacks/): Master chargebacks with our FAQ guide for merchants - How to prevent, dispute & navigate transaction disputes effectively. Protect your business & reputation! - [Compelling Evidence 3.0: Your new chargeback defence](https://nomupay.com/blog/compelling-evidence-3-0-your-new-chargeback-defence/): In the ongoing fight against chargebacks, Visa’s latest Compelling Evidence (CE) 3. 0 has officially entered the playing field. Let’s... - [Is TikTok rivalling Amazon in e-commerce space?](https://nomupay.com/blog/is-tiktok-rivalling-amazon-in-ecommerce/): Explore the rise of TikTok in e-commerce - TikTok's e-commerce features, its expansion & whether it's a valuable platform for your online business. - [The best online payment methods](https://nomupay.com/blog/best-online-payment-methods/): Unlock the potential of online payment solutions for your business. Discover the best methods, security measures & benefits in our guide to boost sales! - [What are the benefits of open banking?](https://nomupay.com/blog/benefits-of-open-banking/): Discover the benefits of open banking for both merchants and customers. Explore how open banking is revolutionising payments & how it can simplify the process. - [Should you introduce AI into your e-commerce website?](https://nomupay.com/blog/introduce-ai-into-your-e-commerce-website/): Unlock the future of seamless transactions with AI payments. Explore AI-powered payment solutions and revolutionise how you get paid today! - [Monetising the gaming industry: Payment strategy tips](https://nomupay.com/blog/monetising-gaming-industry-payment-strategy/): Discover how to enhance your gaming business' payment strategy. From reducing payment friction to staying updated on payment trends - Level up today! - [How location impacts recurring payment preferences](https://nomupay.com/blog/how-location-impacts-recurring-payments/): Explore the impact of location on payment preferences & how it can shape our payment habits. Cross-border challenges & recurring payment options by region. - [The impact of late payments on SMEs](https://nomupay.com/blog/the-impact-of-late-payments-on-smes/): Discover how late payments can affect SMEs & learn effective strategies to manage & reduce this common business challenge. Explore the impact & solutions! - [11 top tips: Prepare your checkout to maximise Black Friday sales](https://nomupay.com/blog/11-top-tips-prepare-your-checkout-to-maximise-black-friday-sales/): Make the most out of the busiest shopping season - Check out our top tips in how to increase your sales and reduce cart abandonment this Black Friday. - [How recurring revenue can grow your business](https://nomupay.com/blog/how-recurring-revenue-can-grow-business/): Explore the potential of recurring revenue for business growth - Calculate the monthly & annual recurring revenue, boost your business's financial health & increase MRR. - [The benefits of Apple Pay for your business](https://nomupay.com/blog/benefits-of-apple-pay-for-your-business/): There are countless benefits from taking apple pay as a payment method for your business. 1. Security 2. Convenience 3. Frictionless checkout 4. Competitive edge - [How to choose a payment provider for your forex website](https://nomupay.com/blog/how-to-choose-a-payment-provider-for-your-forex-website/): Accepting payments in the forex industry can be challenging. Learn how to get a high-risk merchant account & secure payment gateway to increase acceptance rate. - [How to integrate a payment gateway into your website](https://nomupay.com/blog/integrate-payment-gateway-on-website/): Looking for a payment gateway integration service to help scale your business? Find out how to get started with Nomupay. - [How to expand your business | Go global with payment links](https://nomupay.com/blog/expand-business-with-global-payment-links/): Learn how to expand your business by accepting global payment links → How they work ✓ How to create pay by links ✓ The benefits of pay by links - [Nomupay X Zoho Books](https://nomupay.com/blog/nomupay-x-zoho/): Nomupay and Zoho team up for seamless invoicing and payment integration. - [How to manage recurring payments | Tips for startups](https://nomupay.com/blog/manage-recurring-payments/): Managing recurring payments is crucial to its success! Read our top tips on how to manage & set up recurring payments. Let’s beat churn and boost your revenue! - [4 ways AI is revolutionising digital payments](https://nomupay.com/blog/ai-revolutionising-digital-payments/): Seamless transactions with AI payments - Discover how artificial intelligence revolutionises the way you pay and get paid. Explore AI-powered payment solutions! - [Nomupay X Trade License Zone](https://nomupay.com/blog/total-processing-x-trade-license-zone/): Nomupay partners with Trade License Zone to provide an all-in-one solution for e-commerce start-ups in the UAE. - [What is open banking?](https://nomupay.com/blog/what-is-open-banking/): Open banking payments are growing fast | Discover a simple open banking definition and how it works | Open banking uk provider for the best payment solution. - [How to build customer trust](https://nomupay.com/blog/how-to-build-customer-trust/): What will build customer trust? - A positive customer experience - Have a seamless checkout - Utilise authentic social proof - Prioritise building relationships - [A guide to Chip and Pin](https://nomupay.com/blog/a-guide-to-chip-and-pin/): We'll cover everything from what is chip & pin, how does a chip & pin machine work and the different types of machines ✓ Start accepting card payments. - [Why a business should accept pay by link](https://nomupay.com/blog/why-a-business-should-accept-pay-by-link/): Find out how to increase conversions with payment links | A quick and convenient global payment option | Pay by link UK provider - [How to scale an e-commerce business](https://nomupay.com/blog/how-to-scale-an-ecommerce-business/): Learn how to build an e-commerce business foundation · Understand your customer's journey · Optimise your website for SEO · Create a powerful marketing campaign - [Nomupay X Token.io](https://nomupay.com/blog/total-processing-x-tokenio/): Nomupay joins forces with Token.io. Find out how our partnership can benefit your business and offer you the capability to accept open banking-enabled A2A payments. - [The dangers of online payments](https://nomupay.com/blog/the-dangers-of-online-payments/): The world has indeed embraced the digital era. And why wouldn’t we with so many benefits of advanced technology. But... - [How to accept card payments: A guide for businesses](https://nomupay.com/blog/accepting-credit-card-payments-guide/): Card payments are increasing all the time. Just think about how often you use your card rather than cash. According... - [Nomupay X Invevo](https://nomupay.com/blog/total-processing-x-invevo/): Nomupay & Invevo help merchants collect payments quickly and easily. Find out how this partnership could boost your conversion rate. - [The history of cashless society](https://nomupay.com/blog/history-of-cashless-society-infographic/): Have you ever thought about what it means to live in a cashless society? While you may think of cashless... - [World Wellbeing Week](https://nomupay.com/blog/world-wellbeing-week/): 2023 signifies the 5th year of World Wellbeing Week. The perfect opportunity to raise awareness around the significance of wellbeing... - [Recurring card payments vs Direct Debit: What’s the difference?](https://nomupay.com/blog/recurring-card-payments-vs-direct-debit/): What is a recurring card payment and a Direct Debit? And what's the difference? Discover which recurring payment method is more suitable for your business. - [The rise in social commerce](https://nomupay.com/blog/facebook-instagram-social-shopfronts/): Are you optimsing your social media platforms? Find out what social commerce is, why it's important to retailers and how it can boost your revenue. - [NomuPay raises $53.6m to provide global enterprises with an ‘all-access pass’ for payments](https://nomupay.com/blog/nomupay-raises-53-6m-to-provide-global-enterprises-with-an-all-access-pass-for-payments/): NomuPay raises huge funds to provide global enterprises with an ‘all-access pass' to cross-border payments, enabling smooth expansion. - [How to increase conversions rates](https://nomupay.com/blog/leveraging-transactional-data-to-increase-conversions-online/): What’s the most important factor for any business to succeed? Conversions! If your conversion rate takes a hit, then all... - [The most successful cryptocurrencies of 2023 | New Insights](https://nomupay.com/blog/successful-cryptocurrencies/): Key takeaways: What makes a successful cryptocurrency? The most successful cryptocurrencies are all: What this essentially means is they are... - [Is voice commerce the future of e-commerce?](https://nomupay.com/blog/voice-commerce/): Voice commerce is on the rise! But what is v-commerce and how can voice search enhance the customer experience? Find out here. - [Should you go global with cross-border e-commerce](https://nomupay.com/blog/cross-border-e-commerce/): Cross-border shopping has become common practice for shoppers worldwide. Most consumers won’t even think twice about whether a purchase is... - [6AMLD: A brief introduction (& how it affects you)](https://nomupay.com/blog/amld-anti-money-laundering-directives-guide/): If you’re running a business and it falls within the scope of the 6th Anti-Money Laundering Directive (6AMLD) regulations then... - [Tokenisation payment technology explained | A guide](https://nomupay.com/blog/what-is-tokenization/): Read our complete guide on tokenisation payment technology → Find out if it's right for your business ✓ FAQs & expert insights. - [Nomupay expands into Ireland](https://nomupay.com/blog/tp-expands-into-ireland/): We have a big announcement! Find out why we've launched a new headquarters in Ireland and what we expect for the future of Nomupay. - [Are payment links secure?](https://nomupay.com/blog/are-payment-links-secure/): 3D Secure payment links are a quick and easy way to accept payments. Find out how to safely send pay by links ✓ Increase your conversion rate. - [How to choose the right payment gateway](https://nomupay.com/blog/things-to-consider-when-choosing-a-payment-gateway/): Find out how to choose the right payment gateway for your business → Know what mistakes to avoid ✓ Learn how to choose the right provider for you. - [Gen Z's shopping habits: The future of payments](https://nomupay.com/blog/gen-zs-shopping-habits-the-future-of-payments/): Generation Z is the future, and businesses need to start thinking of them that way. Find out how to tailor your brand to meet their expectations. - [Merchant account vs payment gateway | What’s the difference?](https://nomupay.com/blog/merchant-account-vs-payment-gateway/): Learn the difference between a payment gateway vs merchant account & why your business needs both. Explore how each works, their benefits & how to choose the right provider. - [Chargebacks vs hospitality – How to ‘check-out’ friendly fraud](https://nomupay.com/blog/how-to-check-out-chargebacks/): The hospitality industry is prone to chargebacks – Find out why and how you can manage these types of chargebacks ✓ Prevent chargeback fraud - [Why is Strong Customer Authentication important?](https://nomupay.com/blog/why-is-strong-customer-authentication-important/): Back in 2016, in Europe, fraudulent activity from card use amounted to a huge €1. 8billion, 73% of that was... - [How to prevent fraud in business](https://nomupay.com/blog/fraud-or-foe/): Preventing fraud is an important task for any merchant – But what are the key online fraud prevention tools to keep card transactions secure? Find out here. - [Processing High-Risk Businesses](https://nomupay.com/blog/processing-high-risk-businesses/): Are you classed as a high-risk business? Then we completely understand the struggles you may be experiencing when on the... - [Upgrading to 3D Secure 2.0](https://nomupay.com/blog/upgrading-to-3d-secure-2-0/): 3D Secure 2.0 explained ✓ See how it differs from 3DS1 and why it’s important to upgrade to the latest 3DS protocol - Keep your business secure! - [Card Scheme rules and fees: What are they?](https://nomupay.com/blog/card-scheme-rules-and-fees/): Card schemes set rules to improve the way we accept payments | Find out the issuer fees and how to avoid them ✓ Boost your approval rate - [What is 3D Secure authentication?](https://nomupay.com/blog/what-is-3d-secure-authentication/): 3D Secure authentication explained ✓ How it works, the benefits and limitations and how 3DS keeps online payments secure. - [The history behind chargebacks](https://nomupay.com/blog/the-history-behind-chargebacks/): Are chargebacks negatively affecting your business? Find out how they’ve changed over time and how a merchant can get chargeback protection. - [Cryptocurrency Around The World](https://nomupay.com/blog/cryptocurrency-around-the-world/): Cryptocurrency has changed the global economy – Find out how common crypto is around the world and how it’s being becoming a popular payment method. - [What is a recurring payment?](https://nomupay.com/blog/what-is-a-recurring-payment/): Learn all you need to know about recurring payments: recurring payments meaning, the benefits of recurring payments, examples of recurring payments & more. - [The rise of the subscription economy](https://nomupay.com/blog/the-rise-of-the-subscription-economy-recurring/): Subscription services are seeing huge growth – Find out why and how you can scale your subscription business ✓ Boost conversion ✓ Improve customer retention - [The many uses of payment links](https://nomupay.com/blog/pay-by-link-contactless-ecommerce-payments/): Discover the benefits of pay by links and the multiple ways they can be used - Custom payment links, email payment links, invoices and more! ✓ - [Five ways to get your business paid on time](https://nomupay.com/blog/get-your-business-paid-on-time/): Improve your collection rates and get paid on time with our top tips ✓ Say goodbye to missed payments with recurring payments, pay by links and more! - [How to accept crypto payments as a business](https://nomupay.com/blog/how-to-accept-crypto-payments-as-a-business/): Cryptocurrency has taken the fintech world by storm, changing the way we do payments. So, the big question is do... - [Interchange fees explained](https://nomupay.com/blog/interchange-fees-explained/): Find out what interchange fees are & how they can help your business 🔎 Easy to read guide ✓ Your questions answered. - [Unified payments platform, NomuPay, announces Global Board of Directors](https://nomupay.com/blog/unified-payments-platform-nomupay-announces-global-board-of-directors/): A group of industry veterans have been announced to join the NomuPay board. - [Planet partners with NomuPay to extend its hospitality footprint across Asia Pacific](https://nomupay.com/blog/planet-partners-with-nomupay-to-extend-its-hospitality-footprint-across-asia-pacific/): Discover how this partnership will provide seamless services in hospitality across Asia. - [Nomupay partner with IFX Payments](https://nomupay.com/blog/total-processing-partner-with-ifx-payments/): Who is IFX Payments: Founded in 2005, IFX Payments is a leading global foreign exchange, payment and financial technology provider.... - [Last Minute Checklist for BFCM 2022](https://nomupay.com/blog/last-minute-checklist-for-bfcm-2022/): Black Friday and Cyber Monday (BFCM) are just around the corner! Don’t fret, as even with the current economic crisis... - [How to build the best checkout experience for conversions](https://nomupay.com/blog/best-checkout-experience-for-conversions/): Find out how to improve your eCommerce checkout experience for customers → Increase sales and boost conversion rates ✓ In just a few simple steps. - [What is mobile commerce?](https://nomupay.com/blog/what-is-mobile-commerce/): Find out why it’s important to focus on mobile commerce and our top tips on how to optimise your website for mobile shopping and mobile payments. - [Six e-Commerce trends for Christmas preparation](https://nomupay.com/blog/e-commerce-trends-for-christmas-preparation/): Understanding consumer trends is crucial when it comes to preparing for Christmas as an e-Commerce website. Check out our top tips. - [How digital payments can support the travel industry](https://nomupay.com/blog/digital-payments-in-travel-industry/): The travel industry has taken a hit since Covid-19 and must adapt to survive. Find out how digital payments are the future for travel companies. - [How to reduce abandoned carts?](https://nomupay.com/blog/reduce-abandoned-carts/): Do you need to reduce the amount of abandoned carts your business has? Find out why it happens and how you can recover the abandoned cart to make that sale. - [What are alternative payment methods & why do they matter?](https://nomupay.com/blog/business-and-alternative-payment-methods/): Discover what alternative payment methods are, the types of online payments and why a business needs multiple global payment methods. - [Terms & Conditions Agreements:](https://nomupay.com/blog/terms-and-conditions-agreements/): Terms and conditions may also be referred to as T&C, ToS, or ToU. They can be composed of requirements, rules,... - [How to Write an Invoice Email | Nomupay](https://nomupay.com/blog/how-to-write-an-invoice-email-or-total-processing/): Once you have provided a service to one of your clients, you will need to get paid. To do this,... --- # # Detailed Content ## Pages --- --- --- --- --- --- --- --- ## Case Studies --- --- --- --- --- --- --- --- --- --- --- --- --- ## Guides --- --- --- --- --- --- ## Support --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- ## Posts --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- Get a better understanding of the fees you’re paying --- --- --- --- --- --- --- --- The travel industry has taken a hit since Covid-19 and must adapt to survive. Check out what's changed and how digital payments are the future. --- --- --- --- --- ---