CardPMT Apply now

We built the partner
we wanted to hire.

CardPMT is a payment solutions provider. We help online businesses take money and move it. Accounts, acquiring and gateway technology come from one team, with real advice attached.

The people we serve are pragmatic. They are founders, e-commerce managers and finance leads at growing online businesses. They want reliable card processing, currencies that match their markets, and a partner who picks up the phone. So that is the company we built.

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What "proactive partner" means here

It is an easy phrase to print and a hard one to keep. These four habits are how we hold ourselves to it.

  • We bring the next move to you

    Most providers wait for a ticket. We watch the payment mix, the decline codes and the currencies. Then we tell you what to add before it costs you sales.

  • One partner, not five vendors

    Company setup, accounts, acquiring, gateway and advice sit with one team. You brief us once. Nobody hands you back and forth between suppliers.

  • We read the business, not the code

    A merchant category code is a label. We look at the model, the flows and the controls. That is how we approve work others shelve without a call.

  • A named person stays on the file

    Your account manager is the same person after go-live. They know your settlement cycle and your peak weeks. You get answers, not a queue number.

From idea to live transactions

A merchant can join us at any rung. Most arrive at rung three. New ventures start at the first one.

  1. 01

    Incorporate

    New venture? We help you set the company up, with tax and legal advice beside it. The paperwork is done once and done right.

  2. 02

    Open accounts

    A current account and an e-money account give you a place to hold, send and receive funds in the currencies you trade in.

  3. 03

    Start processing

    We underwrite the merchant account and connect the gateway. One API covers cards, wallets and local methods across your markets.

  4. 04

    Grow the mix

    Then the real work starts. We tune the payment mix, cut false declines and add methods as you open new markets.

Who we take on

We are honest about fit. Some models we can approve quickly. Some need more evidence and a longer talk. Either way you get a straight answer, not silence.

A generic underwriter reads a category code and stops. We read the business. That means the refund policy, the delivery window, the chargeback history and the controls behind them. Plenty of good merchants get declined for shape rather than substance. Those are often the files we win.

How we handle complex verticals
  • Online retail and e-commerce
  • Subscription and digital goods
  • Cross-border and multi-currency
  • New ventures from day one
  • Complex and higher-risk verticals
  • Resellers, agents and ISOs

The boring parts we take seriously

Payments only feel simple when the plumbing holds. Fraud tools, uptime and clean reconciliation are not extras here. They are the baseline your finance team closes the month on.

Our gateway carries reporting built for reconciliation, fraud screening you can tune, and a virtual terminal for pre-auth, sales, refunds and voids. We work to the standards below on every account.

Card data
PCI DSS Level 1
Authentication
3-D Secure 2
Data handling
GDPR-compliant
Accessibility
WCAG AA

Tell us what you sell.
We will tell you straight.

Send the basics and we will come back with a real view of your options. No demos required.

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