Next-Generation Payment Infrastructure

The Payment Stack
Built for Modern Business

Two powerful programs — Card Issuing and Merchant Acquiring — designed to put you at the center of every transaction.

$12B+
Annual Volume Processed
140+
Countries Supported
99.99%
Uptime SLA
3ms
Average Auth Latency

Two Paths.
One Powerful Platform.

Whether you're issuing cards or accepting payments, FermionPayments gives you the infrastructure to scale globally.

💳
Card Issuing Program

Issue Cards That
Work Everywhere

Launch virtual and physical card programs under your brand. From prepaid to debit to credit — full BIN sponsorship, program management, and real-time controls included.

  • Visa & Mastercard BIN sponsorship
  • Virtual & physical card issuance in 48 hrs
  • Real-time spend controls & velocity limits
  • White-label card management portal
  • 3DS2 authentication & fraud scoring
Deep dive into Card Issuing →
🏪
Merchant Acquiring Program

Accept Payments.
Settle Faster.

Onboard merchants and process transactions with best-in-class approval rates. Multi-currency, multi-method acquiring with next-day settlement and full chargeback management.

  • Multi-currency acquiring (135+ currencies)
  • Next-day or same-day settlement
  • Smart routing for maximum approval rates
  • Full chargeback & dispute management
  • Alternative payment methods (BNPL, wallets)
Deep dive into Merchant Acquiring →
EMV
FERMION
4716 •••• •••• 8847
Corporate Virtual
VISA
EMV
FERMION
5521 •••• •••• 2290
Prepaid Consumer
MC
98k
Active Cards
$2.1M
Daily Spend
99.8%
Auth Rate

Full-Stack Card Program Management

Launch, manage, and scale card programs without the complexity of direct scheme membership. We provide the rails — you bring the vision.

Instant Issuance API
Generate virtual cards in milliseconds via REST API. Physical cards dispatched within 2 business days through our global fulfillment network.
🔒
Granular Spend Controls
Set per-transaction limits, MCC blocks, geo-restrictions, and velocity rules — all configurable in real time via API or dashboard.
🌐
Multi-Currency BINs
Issue cards in USD, EUR, GBP, and 40+ other currencies with dedicated BINs for optimal FX conversion and local acceptance rates.
📊
White-Label Portal
Give your clients a fully branded card management experience — your logo, your colors, your domain. Fully customizable UI components included.
Live Transactions
🛍️
Retail Store #142
Just now
+$284.00
🌐
E-Commerce Checkout
12s ago
+$1,450.00
📱
Mobile POS Terminal
45s ago
+$67.50
🔄
Subscription Renewal
2m ago
-$29.00
$847K
Today's Volume
97.3%
Approval Rate

Acquire More.
Settle Smarter.

Give your merchants the highest approval rates, lowest fees, and fastest settlement in the market — backed by our intelligent routing engine.

🔀
Intelligent Routing Engine
Our AI-powered router selects the optimal processing path for each transaction, maximizing approval rates while minimizing interchange costs.
Next-Day Settlement
Funds in your merchants' accounts the next business day — or same-day with our premium settlement tier. Full FX management included.
🛡️
Chargeback Shield
Automated dispute management with pre-built response templates, evidence collection tools, and a dedicated disputes team to fight on your behalf.
💳
All Payment Methods
Cards, digital wallets, BNPL, local payment methods, and direct debit — one integration, every payment method your customers want.

From Application to
Live in Days

Our streamlined onboarding gets you processing quickly without sacrificing compliance or security.

01
Submit Application

Complete our online partnership form with your business details and desired program type. Initial review in under 24 hours.

02
KYB & Compliance

Our compliance team handles KYB, AML screening, and scheme registration. We guide you through every step with a dedicated account manager.

03
Technical Integration

Access our REST API, SDKs, and sandbox environment. Most integrations complete in 3–7 days with support from our developer success team.

04
Go Live & Scale

Deploy to production, issue your first card or process your first transaction. Ongoing support and performance optimization from day one.

Let's Build
Together

Tell us about your business. Our partnership team reviews every inquiry personally and responds within one business day.

Dedicated account manager assigned from day one of your application
Competitive revenue share and transparent, low-cost pricing with no hidden fees
Full white-label options — your brand front and center on every product
24/7 technical support with guaranteed SLA response times
✅  Thank you! Your inquiry has been received. Our partnership team will be in touch within one business day.
🔒 Your information is encrypted and never shared with third parties.