Classed as Mid/High-Risk? Get FREE, anonymous matches with providers that want your business.
When an application gets declined, everybody loses
Filing incomplete data or routing to the wrong payment provider creates a high-friction, lose-lose scenario across the payment ecosystem.
Merchants Lose
Business ImpactPSP Underwriters Lose
Operational & Risk ImpactA three-minute walkthrough of the entire Pre-Flight Check
No signup. No identity disclosed. No rejection on your record. Watch a real business go from blank form to a ranked list of providers — then run your own.
How Payments Marketplace Works
From initial screening to a ranked PSP match in under two minutes.
Enter Business Metrics
Specify industry, incorporation country, settlement currency, processing history, and website URL.
Instant Pre-Flight Audit
Payments Marketplace evaluates your profile against live provider acceptance parameters and highlights any compliance blockers.
Submit Anonymised
Review ranked compatibility matches for each PSP, then send an anonymised profile directly to your chosen provider.
Receive Decision
Receive an official invitation to formally apply, or an instant decline notice without impacting your record.
End-to-End Anonymous Pre-Vetting Workflow
Interactive process diagram illustrating how confidential business data is evaluated against Payment Service Provider (PSP) guidelines.
Designed to eliminate Merchant application declines
Applying to the wrong payment provider often leads to unnecessary rejections and delays. Payments Marketplace tests your profile against live acquirer acceptance parameters beforehand.
Compare your business against underwriting criteria from specialist Payment Service Providers in under two minutes
Test your business model, industry category, country of incorporation, monthly processing volume, and trading history against real PSP risk parameters — as well as card payments, many are equipped to board complex verticals, licences and diverse payment methods such as Crypto and local payment APMs.
Website & Document Compliance Analysis
Underwriters reject up to 40% of applications due to missing legal disclosures or site defects. Our AI scanner validates your site policies before underwriters inspect it.
Understand How PSPs Assess Your Risk
There is no single risk score that follows your business from provider to provider. Every payment provider sets its own appetite and its own underwriting rules, so the same business can be routine for one and outside appetite for another. Below are the three responses a provider typically gives — and what sits behind each.
Boarded through ordinary underwriting
The sectors the industry calls low risk. Most providers board this kind of profile without special handling: established trading, predictable fulfilment, low disputes, and no sector licence to verify. It is the profile the widest range of providers will quote for — though low risk is not the same as approved, and any one of them can still decline on criteria of its own.
Commonly assessed this way
Underwriter Focus Vector
The factors underwriters weigh. How much each one counts is set by the provider, not by your sector:
Curious which PSPs match your specific metrics?
Discover Options Now 🛫Prohibited is not a fourth tier — it is a list, and every provider keeps its own
Card scheme rules put some activity out of bounds everywhere. Past that, each provider publishes its own prohibited list, and the lists genuinely differ: an activity one provider will not touch is ordinary business for the next. It is the one outcome settled before underwriting starts rather than by it — which is precisely why it is worth knowing before you apply rather than after.
* The descriptions above illustrate how providers commonly assess a profile. They are not a rating of your business, not a quote, and not a prediction of any provider’s decision — your pre-flight check scores you against each provider’s own published criteria.
Building a Multi-PSP Strategy? Pre-Vet Before You Orchestrate
Payment orchestration platforms give you smart routing engine rules — but you still need pre-vetted, compatible Payment Service Providers (PSPs) to route transactions to. A routing engine cannot route around a provider that declined you.
Payments Marketplace matches your profile against every published rulebook at once, so you assemble a stack of providers that will actually take you — rather than discovering the gaps after the integration work is done.
Frequently Asked Questions
Everything you need to know about Merchant pre-flight checks, PSP matching, and privacy.
Payments Marketplace evaluates your business metrics (volume, country, industry, processing history) against live provider acceptance parameters using anonymised IDs. Your company name, directors, and contact information are never shared with any Payment Service Provider (PSP) until one of them accepts your application — at which point you are introduced to each other by email. We do not sell your information for marketing purposes under any circumstances.
Anonymity is the first of the rules that govern matching here — see how matching works, for both sides.
Payments Marketplace is 100% free for Merchants. We charge Payment Service Providers (PSPs) a deal fee (100–500 EUR, scaled to the Merchant's monthly volume) for each pre-vetted Merchant introduction they accept — with zero ongoing commissions or transaction markups for Merchants.
No. Payments Marketplace runs pure pre-flight algorithmic matching without performing hard credit checks or submitting formal acquirer filings. Because no decline is registered, your processing reputation remains pristine.
Yes. Payments Marketplace evaluates low-risk, mid-risk, and specialised high-risk payment service providers — including acquirers equipped to board licensed verticals, Crypto onramps, nutra, CBD, travel, and diverse alternative payment methods (APMs).
Because providers receive clean, pre-vetted deal flow matching their exact acceptance parameters, responses are delivered fast — typically within 24 to 48 hours with an invitation to formally board.
Payments Marketplace includes an AI Compliance Scanner that identifies missing site disclosures (such as Terms & Conditions, Refund Policies, or Billing Descriptors) during pre-flight, giving you actionable recommendations to resolve before underwriters inspect your site.
Payments Marketplace evaluates your profile against specialized high-risk acquirers and recovery payment providers equipped to board Merchants with elevated chargeback ratios or prior terminated Merchant accounts.
Yes. Payments Marketplace is specifically designed to solve the sourcing and underwriting bottleneck for multi-PSP architectures. While Payments Marketplace is not an orchestration engine or routing layer itself, it allows you to evaluate your Merchant profile across multiple providers at once and secure invitations to formally apply from multiple compatible PSPs. This ensures you have pre-qualified, highly compatible provider options ready to enter underwriting and plug into your payment orchestration platform or smart routing engine.
Payments Marketplace was founded and developed by David Copper, MSc, a full-stack developer and senior payments consultant, supported by a team of industry specialists. The development journey of this Next-Gen Payments Marketplace started on Friday, 4th October 2024, progressing through key engineering phases to its Public Beta release on 1st August 2026:
| Milestone Date | Release Focus | Key Engineering Deliverables |
|---|---|---|
| 04 Oct 2024 | Project Inception | Foundation, architecture charter, and multi-domain ecosystem setup (opaq.io) |
| Nov 2024 – Mar 2025 | Core Engine & Data | Rust matching engine, 120+ MCC taxonomy, MySQL transactional schemas, and pgvector (PostgreSQL) embeddings |
| Apr 2025 – Jun 2025 | Merchant & AI Scanner | Pre-flight wizard UI and AI website compliance & disclosure scanner |
| Jul 2025 – Sep 2025 | PSP Underwriting Portal | Provider rule customiser, appetite parameters, and anonymised deal flow |
| Oct 2025 – Dec 2025 | Commercials & Alpha | Tiered success fee ledger (€80–€125), APM/crypto rails, and closed alpha |
| Jan 2026 – Mar 2026 | ISO Broker Ecosystem | Multi-tenant ISO portal, commission split ledger, and anonymised mailbox |
| Apr 2026 – Jun 2026 | Security & PSP Sandbox | GDPR privacy verification, sub-50ms query tuning, and Pioneer PSP sandbox |
| 01 Aug 2026 | Public Beta Go-Live | General availability of the Payments Marketplace for Merchants, ISOs, and PSPs |
David's payment platforms have processed many tens of thousands of Merchant applications across the UK, Europe, and the US, providing the real-world experience behind Payments Marketplace's ability to bridge the gap between Merchant readiness and PSP underwriting requirements.