# 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

- [Risk Narrative Privacy Policy](https://nomupay.com/risk-narrative-privacy-policy/): This Privacy Policy explains how we handle personal data in accordance with applicable data protection laws, including the EU GDPR, UK GDPR and other relevant regulatory frameworks.
- [Data Protection Complaints](https://nomupay.com/data-protection-complaints/): 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.
- [Marketplace](https://nomupay.com/marketplaces/): Integrate effortless pay-ins and flexible payouts into your marketplace platform ✓ Build a better experience end-to-end under one roof.
- [Digital Content](https://nomupay.com/digital-content/): Turn views, subscribers and readers into revenue with a payments infrastructure designed to boost conversions for digital entertainment platforms.
- [Travel payments](https://nomupay.com/travel-payments/): Payment solutions built for travel businesses. Global acquiring, flexible payouts and fraud protection designed for high-risk merchants.
- [Gaming](https://nomupay.com/gaming/): A reliable, frictionless payment solution built for gaming — localised checkouts, higher conversions and global reach in 40+ markets.
- [PCI Data Security Standards Compliance](https://nomupay.com/pci-dss/): Discover everything you need to know about PCI-DSS and why every merchant needs to be compliant to keep their business and customers protected.
- [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.
- [Secure Payment](https://nomupay.com/secure-payment/): Taking payments with Nomupay's secure payment gateway
- [In-Store Payments](https://nomupay.com/in-store-payments/): Find the right payment provider for your store → Local payment methods - Single API integration - Scale globally with ease
- [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/)
- [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.
- [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...
- [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.
- [Smart Checkout](https://nomupay.com/revenue-optimisation/): Boost transactions with our e-commerce checkout optimisation services ✓ Lower cart abandonment rates ✓ Enjoy seamless payment flows.
- [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.
- [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.
- [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.
- [Global Privacy Policy](https://nomupay.com/privacy-policy/): Read our privacy policy to learn how we collect, use and manage your data.
- [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.


## Case Studies

- [Hero Plus](https://nomupay.com/case-studies/hero-plus/): The digital payment platform, Hero Plus, specialising in providing the tools to support mobile and online payments, and social commerce
- [Kovena](https://nomupay.com/case-studies/kovena/): The world’s first hotel-only software solution provider, Kovena, were on the lookout for a supportive payments partner who could assist
- [IKEA](https://nomupay.com/case-studies/ikea/): A household name and one of the world’s largest home-furnishing brands, IKEA boasts hundreds of stores globally. Its franchise group,
- [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
- [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
- [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
- [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...
- [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...
- [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...
- [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...
- [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
- [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...
- [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


## Guides

- [Travel Payments | A Guide for Online Travel Agents](https://nomupay.com/guide/travel-payments-guide/): The travel industry may be full of opportunity, but it comes with its share of challenges too. We delve into those challenges and how you can overcome them to gain global success.
- [Expand into Europe with Local Payment Methods](https://nomupay.com/guide/local-payment-methods-europe/): Deciding which payment methods to offer your customers across Europe is no small feat. Picking the right ones for the...
- [Expand into Southeast Asia faster with the right local payment methods](https://nomupay.com/guide/local-payment-methods-southeast-asia-hong-kong/): Discover which payment methods actually drive conversion across Southeast Asia and Hong Kong, and how leading international merchants localise checkout...
- [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...


## Support

- [What countries does Nomupay operate in?](https://nomupay.com/support/what-countries-does-nomupay-operate-in/): We're licensed and regulated in countries across Europe and Asia with direct access to 40+ countries and territories so you...
- [How to withdraw money from my Nomupay account?](https://nomupay.com/support/how-to-withdraw-money-from-my-merchant-account/): How to withdraw your funds will vary depending on a variety of reasons, including which acquirer you use and which...
- [Where can I see my reserve?](https://nomupay.com/support/where-can-i-see-my-reserve/): If you would like information on your reserve funds including release dates, please get in touch with our support team...
- [How can I download invoices?](https://nomupay.com/support/how-can-i-download-invoices/): If you would like to download invoices, please get in touch with our support team at help@nomupay. com
- [Where can I track my settlements?](https://nomupay.com/support/where-can-i-track-my-settlements/): You can view your settlement data via your acquiring bank's platform. Currently, we don't provide this service for all merchants.
- [What are the chargeback fees?](https://nomupay.com/support/what-are-the-chargeback-fees/): Chargeback fees can vary for several reasons, including the merchant's risk profile, but typically they range between £25-£30 per dispute.
- [What online shopping carts can I use?](https://nomupay.com/support/what-online-shopping-carts-can-i-use/): Find out which popular e-commerce plugins you can integrate with via Nomupay.
- [How do I get a report of my transactions?](https://nomupay.com/support/how-do-i-get-a-report-of-my-transactions/): Reports can easily be obtained from the Transactions Dashboard on your Unified Platform. Read more to find out how.
- [How do I reset a password?](https://nomupay.com/support/how-do-i-reset-a-password/): If you want to change your password, or reset a colleague's password, follow these steps.
- [How can I refund a transaction?](https://nomupay.com/support/how-can-i-refund-a-transaction/): Find out how to refund a transaction via your Unified Platform in just a few quick steps.
- [What currencies are supported?](https://nomupay.com/support/what-currencies-are-supported/): Nomupay allows merchants to accept and settle payments in more than 133 currencies, including all major and local currencies.
- [Response codes](https://nomupay.com/support/response-codes/): When a transaction is declined, you will receive a response code depending on the reason. Find out what each response code means.
- [How do I become a Nomupay partner?](https://nomupay.com/support/how-do-i-become-a-nomupay-partner/): To become a Nomupay partner, you'll need to fill in our partner application form and our partnership team will be...
- [What is the difference between fraud notifications and chargeback notifications?](https://nomupay.com/support/what-is-the-difference-between-fraud-notifications-and-chargeback-notifications/): What's the difference between fraud notifications & chargeback notifications? Learn what each alert means & what you need to do when you receive these alerts.
- [What should I do if I identify potential fraud?](https://nomupay.com/support/what-should-i-do-if-i-identify-potential-fraud/): First of all, request a copy of the ID and credit card from your customer in order to verify that...
- [What happens if there is not enough money in a customer’s bank account?](https://nomupay.com/support/what-happens-if-there-is-not-enough-money-in-a-customers-bank-account/): The merchant will see the response code Declined which means that the transaction was not completed. The merchant’s system can send the...
- [What is the usual frequency of recurring payments?](https://nomupay.com/support/what-is-the-usual-frequency-of-recurring-payments/): The recurring billing period can vary depending on your business model and customer. Recurring payments can be scheduled weekly, monthly...
- [Why is the transfer from my merchant account delayed?](https://nomupay.com/support/why-is-the-transfer-from-my-merchant-account-delayed/): Your transfer may be delayed if it was sent at the weekend or on a bank holiday; most banks only process transfers on business days.
- [How often do I receive funds from my merchant account?](https://nomupay.com/support/how-often-do-i-receive-funds-from-my-merchant-account/): The funds are transferred from your merchant account to your bank account depending on your selected payment frequency (daily, weekly, monthly).
- [Why was my customer's transaction declined?](https://nomupay.com/support/why-was-my-customers-transaction-declined/): There are a number of reasons why a customer's transaction can be declined. Read more to find out why and what to do in this instance.
- [Can a refund be cancelled?](https://nomupay.com/support/can-a-refund-be-cancelled/): No, refunds cannot be cancelled. If you need to charge the sum you have refunded to your customer, you will...
- [How to identify potential fraud?](https://nomupay.com/support/how-to-identify-potential-fraud/): Understand how to identify potential fraudulent activity to keep your business secure.
- [What is SSL and why should I use it on my website?](https://nomupay.com/support/what-is-ssl-and-why-should-i-use-it-on-my-website/): Find out what SSL is and why you need it for your website to keep your business and customer's data secure | Benefits of SSL
- [What is a fraudulent transaction?](https://nomupay.com/support/what-is-a-fraudulent-transaction/): A fraudulent transaction is a payment made without the legitimate cardholder's consent. Find out more and how to prevent fraudulent transactions.
- [Can I refund a chargeback?](https://nomupay.com/support/can-i-refund-a-chargeback/): No, you cannot refund a chargeback. Find out why and what you can do instead to reduce the amount of chargebacks.
- [Why do you need my Passport and Registration Certificate?](https://nomupay.com/support/why-do-you-need-my-passport-and-registration-certificate/): As a financial institution, which is also responsible to other financial institutions, it is our responsibility to verify the legitimacy...
- [What products and services are supported?](https://nomupay.com/support/what-products-and-services-are-supported/): Nomupay supports various physical goods, electronic goods and services including IVA and high-risk businesses, and global enterprises.
- [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...
- [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...
- [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.
- [Recurring payments](https://nomupay.com/support/recurring-payments/): What are recurring payments? Recurring payments allow you to take scheduled payments from the same customer.
- [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.
- [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...
- [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...
- [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...
- [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...
- [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...
- [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...
- [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...
- [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...
- [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...
- [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’.
- [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...
- [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.
- [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...
- [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 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...
- [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...
- [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...
- [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.
- [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...
- [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...
- [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.
- [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...
- [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...
- [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.
- [What is WooCommerce?](https://nomupay.com/support/what-is-woocommerce/): What is WooCommerce? WooCommerce is a plugin for WordPress that facilitates e-commerce businesses.
- [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 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...
- [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.


## Posts

- [FX Payments Optimisation: A Guide for Brokers and Prop Firms Ready to Scale](https://nomupay.com/blog/fx-payments-optimisation/): Learn how to reduce costs and leakage, manage cross-border operations and mitigate risks with a few FX payment optimisation tips.
- [Payment Methods in Japan | What International Companies Should Consider](https://nomupay.com/blog/payment-methods-in-japan/): Expanding your business into Japan? Understand Japan's payment landscape and payment method preferences to ensure success.
- [Why expanding into Asia is harder than Western businesses expect](https://nomupay.com/blog/why-expanding-into-asia-is-harder-than-western-businesses-expect/): Is expanding into Asia on your roadmap? There are many differences from the Western market that you need to consider. We explore them and provide solutions to help get you started.
- [Payment methods in Malaysia | The digital landscape](https://nomupay.com/blog/payment-methods-in-malaysia-the-digital-landscape/): Looking to expand your business into Malaysia? Learn all about its digital landscape first ✓ Market trends ✓ Local payment methods ✓ Customer preferences
- [Why flexible payment models are the future of digital publishing](https://nomupay.com/blog/why-flexible-payment-models-are-the-future-of-digital-publishing/): Digital publishing is shifting from static monthly subscriptions to flexible, dynamic models. Find out how you can upgrade your offering and boost conversions.
- [A travel merchant account | The essentials](https://nomupay.com/blog/a-travel-business-merchant-account-the-essentials/): Discover why a travel business' merchant account would be classed as high-risk, and what you need to do to keep it secure from fraud and chargebacks.
- [Nomupay X TProfile | Global travel payments ](https://nomupay.com/blog/nomupay-x-tprofile/): Nomupay and TProfile join forces to provide embedded seamless payments for global travel brands. Find our more about this exciting partnership.
- [How to recover lost subscriptions for streaming platforms](https://nomupay.com/blog/how-to-recover-lost-subscriptions-for-streaming-platforms/): Failed payments doesn’t mean a lost subscription. Learn how to recover revenue for streaming platforms.
- [The rise of real-time payments in Southeast Asia](https://nomupay.com/blog/the-rise-of-real-time-payments-in-southeast-asia/): Southeast Asia is rapidly becoming one of the most dynamic payments markets. Looking to expand into the region? It's vital you learn about the market first.
- [Mistakes content creators make when setting up payments](https://nomupay.com/blog/mistakes-content-creators-make-when-setting-up-payments/): If you're a digital content creator, chances are you’ve spent hours perfecting your content, but far less time thinking about how you actually get paid.
- [5 payments trends in 2026](https://nomupay.com/blog/payments-trends-in-2026/): Discover the latest trends in the payments industry that will separate you from the competition.
- [Payment methods in Hong Kong: Market trends then and now](https://nomupay.com/blog/payment-methods-in-hong-kong/): If you're looking to expand your business in Hong Kong, then you need to know which payment methods to offer. Learn about the preferred methods and more.
- [7 marketplace payout challenges](https://nomupay.com/blog/marketplace-payout-challenges/): Discover the key global marketplace payout challenges and how to overcome them. From compliance and fraud to FX fees and customer experience.
- [The hidden cost of cross-border payouts](https://nomupay.com/blog/the-hidden-cost-of-cross-border-payouts/): Understand the fees that come alongside cross-border payouts, including exchange rates, bank fees and more, and what you can do to reduce them.
- [How to set up payouts for your platform](https://nomupay.com/blog/how-to-set-up-payouts-for-your-platform/): Learn how to set up payouts for your platform, from choosing a payment provider to automating payouts with complete flexibility.
- [Buy Now Pay Later: Changing the way we shop](https://nomupay.com/blog/buy-now-pay-later/): Buy Now Pay Later (BNPL) has become such an integral part of the e-commerce world. The popular payment method has...
- [The hidden challenges of payments in the gaming world](https://nomupay.com/blog/challenges-of-payments-in-the-gaming-world/): The gaming industry often faces many struggles when it comes to gaming payments, including chargebacks and APM limitations.
- [Choosing the right acquirer: Global vs local](https://nomupay.com/blog/choosing-the-right-acquirer-global-vs-local/): Do you need one global acquirer or multiple local acquirers? We cover the pros and cons of both options to help you decide.
- [Cardinity joins forces with Nomupay](https://nomupay.com/blog/cardinity-joins-forces-with-nomupay/): Cardinity has officially merged with Nomupay to combine our technologies and local expertise. Read more to find out about this huge milestone.
- [Cross-border payments explained](https://nomupay.com/blog/cross-border-payments-explained/): Looking to sell internationally? Learn how cross-border payments work, the challenges merchants face and the solutions to scale your business globally.
- [Nomupay X Telsolutions | Simplify collections and expand payment options](https://nomupay.com/blog/nomupay-x-telsolutions/): Nomupay and Telsolutions have joined forces to offer seamless payment collections. Read more to find out about this strategic partnership.
- [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...
- [Integration possibilities with Nomupay](https://nomupay.com/blog/integration-possibilities-with-nomupay/): In order to simplify the whole integration process, we have prepared a vast variety of integration methods. Take a look at our integration possibilities.
- [Why is SSL a must for every online shop?](https://nomupay.com/blog/why-is-ssl-a-must-for-every-online-shop/): An SSL Certificate is a must-have for any online business. Find out why it's so important and how it can protect your online shop.
- [5 step guide to starting an e-commerce business](https://nomupay.com/blog/5-step-guide-to-starting-an-e-commerce-business/): If you're starting a new online business, there are a few things to consider beforehand. Check out our top tips on how to start an e-commerce business.
- [4 benefits of an SSL (TLS) Certificate](https://nomupay.com/blog/4-benefits-of-an-ssl-tls-certificate/): An SSL certificate is an important aspect of any website, especially if you're accepting online payments. Check out the key benefits of an SSL certificate.
- [5 mistakes to avoid when starting an e-commerce business](https://nomupay.com/blog/5-mistakes-to-avoid-when-starting-an-e-commerce-business/): Before you start an online business, check out our top tips on how to avoid the most common mistakes new entrepreneurs make.
- [Why online businesses should accept card payments](https://nomupay.com/blog/why-online-businesses-should-accept-card-payments/): Accepting card payments on your e-commerce website is crucial. Find out why and the main benefits for taking card payments online.
- [One-click payments | What are they and how to use them?](https://nomupay.com/blog/one-click-payments-what-are-they-and-how-to-use-them/): One-click payments sound easy and effective, right? But what exactly are they, and how can they be used in e-commerce businesses?
- [How to open a Shopify store? | 6 simple steps](https://nomupay.com/blog/how-to-open-a-shopify-store-6-simple-steps/): Follow our easy step-by-step guide to get your online shop set up on Shopify and start accepting online payments in no time.
- [The chargeback process explained](https://nomupay.com/blog/the-chargeback-process-explained/): Learn step-by-step how the chargeback process works from the initial dispute to the resolution.
- [What are the most common chargeback reasons?](https://nomupay.com/blog/what-are-the-most-common-chargeback-reasons/): Understanding the causes of chargebacks is the first step in knowing how to avoid them. Here are the most common causes of chargebacks you need to know.
- [Fraud notifications vs. chargeback notifications](https://nomupay.com/blog/fraud-notifications-vs-chargeback-notifications/): What is a fraud notification? What is a chargeback notification? Learn the difference and what you should do when you receive these notifications.
- [How to open a WooCommerce online store in 5 steps](https://nomupay.com/blog/how-to-open-a-woocommerce-online-store-in-5-steps/): Learn how to get set up with WooCommerce in a few simple steps. Follow our guide and start accepting online payments in no time.
- [6 signs of e-commerce fraud you should recognise](https://nomupay.com/blog/6-signs-of-e-commerce-fraud-you-should-recognise/): Knowing what suspicious activity to look out for is just as important as using fraud tools. Follow our tips to know how to spot e-commerce fraud.
- [4 ways payment processing can scale your business](https://nomupay.com/blog/4-ways-payment-processing-can-scale-your-business/): Payment processing is more than just a way to accept payments. Find out how, when utilised, it can help grow your revenue.
- [Does blockchain optimise online payments or disrupt them?](https://nomupay.com/blog/does-blockchain-optimise-online-payments-or-disrupt-them/): Blockchain technology has taken the world by storm, but is it enough to take over traditional payment methods? Let's dive into the industry movements and predictions.
- [How to secure your website from payment fraud?](https://nomupay.com/blog/how-to-secure-your-website-from-payment-fraud/): Payment fraud is going nowhere! Follow these tips to keep your website protected and be one step ahead of fraudsters, keeping your business and customers safe.
- [Why should you use CAPTCHA on a website?](https://nomupay.com/blog/why-should-you-use-captcha-on-a-website/): CAPTCHA forms are a common feature to keep your website secure. Find out what CAPTCHA forms are, how they work and why your website needs them.
- [Why do online card payments fail?](https://nomupay.com/blog/why-do-online-card-payments-fail/): Usually online transactions are processed successfully, but sometimes payments can fail. Learn more what to do when online card payments fail.
- [Get to Know Your Customer Day](https://nomupay.com/blog/get-to-know-your-customer-day/): Get to Know Your Customer Day is an event to encourage businesses to build stronger relationships with their customers. Find out how to make the most of this event.
- [Chargeback vs. Refund: What’s the Difference?](https://nomupay.com/blog/chargeback-vs-refund-whats-the-difference/): Chargebacks and refunds might seem similar but in reality, they have a lot of differences. Find out what is a chargeback and a refund and how they differ.
- [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.
- [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.
- [Best way to accept recurring payments](https://nomupay.com/blog/best-way-to-accept-recurring-payments/): Learn how to accept recurring payments effortlessly ✓ Improve your billing process ✓ Customer satisfaction with transparency and flexibility ✓ Security & data
- [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.
- [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!
- [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.
- [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!
- [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.
- [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!
- [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.
- [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...
- [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!
- [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: Gaming payment solutions and 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.
- [Nomupay X Zoho Books](https://nomupay.com/blog/nomupay-x-zoho/): Nomupay and Zoho team up for seamless invoicing and payment integration.
- [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
- [How to manage recurring payments](https://nomupay.com/blog/manage-recurring-payments/): Managing recurring payments is just as important as accepting them! Read our top tips on how to manage 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.
- [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...
- [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...
- [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.

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