For over a decade, our online payments experts have built solid relationships with merchant acquiring banks around the world. This enables FINEST to offer our clients secure, innovative and cost-efficient domestic and cross-border payments solutions in full compliance with the latest legal PCI standards. FINEST is fully dedicated to improve your payment strategy and help you grow your business in an expanding e-commerce market, filled with exciting opportunities.
Our Services
All-in-One Payment Gateway
The Payment Gateway is a fundamental part of the payments ecosystem. The Payment Processor is the key intermediate between the Payment Gateway, the online Merchants and the Acquiring Banks.
...The Payment Processor validates and executes all transactions thru the Gateway. The Gateway provides multiple features to manage performance, risk based on clear and comprehensible analytical tools.
- Online Merchant → Payment Gateway → Processor
FINEST only partners with the top in the league. As part of ACI worldwide, PAY.ON Payments Gateway is Level 1 PCI-compliant, secure, flexible, all-in-one global gateway for Payment Services Providers (PSPs), ISOs and Acquirers around the world. FINEST provides merchants in low-, medium- and high-risk industries secure domestic and cross-border payment processing, smooth and fast merchant boarding, payments in multiple currencies and payment methods, including crypto currency and access to an extensive global network of 400+ acquirers across more than 160 countries, through one single secure gateway.
Payment Processing
Secure, PCI compliant and cost-efficient payment processing is our core business. FINEST processes both domestic and cross-border payments in multi-currencies and in a variety of alternative payment methods.
...Merchants benefit from optimized conversion rates through smart transaction routing. Our services include innovative fraud detection, chargeback prevention and risk monitoring. User-friendly reporting tools and business intelligence UIs enable you to control, manage and improve your profitable business. Open Payment Platform Technology for Open Banking connects our clients to private and corporate accounts via one single and secure integration point. This state-of-the-art technology stands for security, speed and simplicity.
- Level 1 PCI-DSS V3 Compliant
- Domestic and Cross-Border Payment Processing
- Multi-Currency Authorization and Settlement
- Alternative Payment Methods
- Crypto-Currency Payments
- Omni-Channel Solutions (e-Commerce, m-Commerce and mPoS)
- Optimized Conversion Rates through Smart Routing
- Chargeback Management
- Automated Rebill Scheduling Feature
- Flexible Payout Cycle
- PCI-Compliant Tokenization
- Recurring Billing Management
- Threshold-limit Management
- Smart Action Plans.
Merchant Acquiring Services
During the past decade, FINEST executives have built solid relationships with acquiring banks across the different regions. This enables us to provide online merchants with accounts world-wide; Merchant accounts with personal billing descriptors, accepted by acquiring banks in the different jurisdictions.
...Multicurrency Merchant Accounts allow our clients to profit from favorable currency exchange rates, while expanding their business cross-border. Geo-IP based Weight Dispatchers Tools guarantee high approval ratios. Our experienced account managers offer merchants the best possible advice to reduce costs and expand their business, while managing their risk.
- Multicurrency Merchant Accounts worldwide
- Individual or Dynamic Descriptor
- Smart GEO IP Transaction management
- Payouts like2like
- Private Merchant ID (MID)
- Personal Billing Descriptor
- Chargeback Management
- Multicurrency Payout
- Fast Merchant Onboarding
Risk Management
Online fraud has become big business in a world of online shoppers who spend over $3Trillion via e-commerce and m-commerce each year. FINEST is dedicated to protect its clients against a growing variety of complex fraud schemes.
...Independent of the type of (low/medium/high risk) business you are engaged in or the payment methods you accept, our tailored anti-fraud suite is designed to mitigate risk from the moment you onboard. Through sophisticated AML and risk monitoring tools, FINEST will manage your financial, reputation and chargeback risk.
- ACI ReD Shield® Fraud prevention
- GEO IP Location Checks
- Credit Assessment Tools (3-D Secure, AVS, CVV, etc.)
- Velocity an Plausibility Checks
- OFAC and PEP List screening
- Tokenization (protecting shoppers’ credit card data)
- Comprehensive Monitoring of Transaction Patterns
- Effective Risk Scoring and Monitoring
- Modular Risk Intelligence
Legal Compliance
The Payment Card Industry Security Standards Council is a global forum that brings together payments industry stakeholders to develop and drive adoption of data security standards for safe payments worldwide.
...It was founded by American Express, Discover Financial Services, JCB International, MasterCard and Visa Inc. All financial institutions that deal with payment card processing must be PCI-compliant. FINEST is Level 1 PCIDSS V3 Compliant. Onboarding and Enhanced Due Diligence, AML procedures and careful risk assessments in compliance with laws and regulations are part of our integrated Risk Management suite.
Business Intelligence & Reporting
Business Intelligence and Reporting tools are fundamental assets to understand, improve, manage and control all aspects of the payment process.
...ACI’s Business Intelligence Platform (BIP) provides management with valuable insights, indispensable for strategic analysis and decision making (MIS). Operations uses BIP to check whether KPIs are met and the Tech Dep can doublecheck system alerts. Transaction and Settlement Reports are delivered in real-time.
- Real-Time Transaction Reporting
- Monitoring and Analysis
- Threshold Reporting and Management
Chargeback Management
Online merchants are obliged to prevent chargebacks. FINEST professionally manages all merchant’s risks, including all fraud types and chargeback risk.
...Chargeback fraud isn’t limited to stolen cards. A mere 50% of all chargeback fraud is classified as “friendly fraud”, where the customer falsely claims not to have received the ordered products and/or services. FINEST offers merchants a reliable payment platform where every transaction is monitored in real time. Potentially fraudulent transactions are flagged to prevent chargebacks. Detailed reports and transaction analysis offers merchants the necessary tools to identify patterns and prevent chargebacks.
- CB Reporting
- CB Monitoring
- CB Analysis
- CB Reversal
- CB Reconciliation
APIs & Plug-Ins
As part of the Open Payment Platform (OPP), COPYandPAY is a plug-in that enhances speed, while minimizing PCI DSS compliance requirement and costs. It also enable merchants to create their company specific, customized, PCI Compliant payment web page.
...- The Mobile SDK for Android and iOS integrates mobile devices to our Open Payment Platform.
- The Server-to-Server API ensures a fully flexible workflow for front- and backend processing and immediate payment acceptance services.
- Mobile-App / In-App Payment: with m-commerce taking over e-commerce, the in-app payment library helps developers to implement a PCI-compliant in-app payment page in the merchant’s mobile app.
- PaySourcing creates a PCI DSS compliant hosted payment page. The Web Payment Frontend (WPF) is especially designed for maximum flexibility and guarantees high conversion rates.
Billing Solutions
Finest does provide fitting Acquiring solutions for each business Type and size of business. Partnering with ACI worldwide, FINEST is able to Connect you to all the traditional and alternative billing solutions, accessible via onesingle API integration.
...Our staff is dedicated to present you the best and most costefficient payment solutions.
Industries
Over a decade of expertise in the online payment processing business, enables FINEST to offer its professional services and solutions to e-merchants engaged in low-, medium- and high-risk business.
...Each type of business requires tailor-made solutions to reduce chargebacks, fraud and mitigate risk, helping merchants to reach their ultimate goal: expand their business. Business Types processed by FINEST include (but are not limited to):
- Retail
- Online Dating
- Travel
- Rentals
- Lotteries
- Gambling
- Gaming
- Online Entertainment
- Nutraceuticals
- Buyersclubs
- Sports betting
- Skill games
- CBD
- E-Commerce
- Forex Trading
- Crypto Currency
About us
FINEST executives have acquired expertise in all facets of global payment processing, merchant acquiring and risk management.
Contact
Contact us
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Opernturm Bockenheimer Landstr. 2-4
60306 Frankfurt am Main