Boutique, Personal & Professional.

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.

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.

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

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

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.

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 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

• 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.

Our staff is dedicated to present you the best and most costefficient payment solutions.

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 bettingui2
• Skill games
• Upcoming business type CBD (not yet)
• E-Commerce
• Forex Trading
• Crypto Currency