​Cards & Alternative Payments Processing

By partnering with global acquirers, issuers, payment processors, local and international financial institutions, and software companies, our specialists provide professional advice on the most effective and efficient payment options for your business and for your local and overseas customers. We've built payment programs from zero — including a proprietary real-time cross-border funds transfer network — so our advice comes from operating the rails, not just observing them. Learn more.

Fraud Prevention and Chargebacks dispute

​There is a delicate balance between preventing fraudulent transactions and allowing your genuine customers to complete payments successfully. Our specialists help you choose and set optimal fraud-prevention rules — on a regulated, high-volume platform, we've sustained an 87% authorization rate while holding losses to 0.6%, and renegotiated acquiring economics to achieve a 5x reduction in merchant-services fees. Check here how.

Licensing & Registrations: EMI, MSB & PayFac

Every payments business passes through an authorization gate: FINTRAC MSB registration and Bank of Canada RPAA registration in Canada, EMI authorization in Europe, or payment facilitator (PayFac) registration with the card networks through an acquiring sponsor. AcceptLocal prepares the application and the operating substance behind it — compliance programs, safeguarding, underwriting and risk frameworks — drawn from first-hand experience holding these licenses and preparing scheme and regulator applications since 2007. Read more here.

Security ​and Regulations

Payment Card Industry Data Security Standard (PCI DSS), PSD2/PSD3, card schemes, AML/TF, and data protection regulations require merchants to comply with industry and local requirements. AcceptLocal's team provides deep functional expertise and professional advice in these areas, backed by CAMS and PCI DSS credentials, as well as hands-on licensing experience across EMI/MSB, NACHA, FINTRAC, and FinCEN regimes. Check here for more details.

AI Governance & AI-Enabled Payments

AI is now embedded across the payments stack, from transaction monitoring to agentic automation of compliance and treasury workflows. AcceptLocal helps payments and fintech businesses build responsible, auditable AI into regulated money movement — governance frameworks, model oversight, and AI-driven fraud and monitoring strategy, grounded in experience authoring enterprise AI governance frameworks for a US commercial bank. Check here for more.

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