Merchant services

Card payment processing in Europe for online businesses

Unlock card acquiring and card payment processing in Europe. Accept payments via Visa and Mastercard with global coverage. Apple Pay and Google Pay are coming next for a quick checkout.

Open merchant account Join the waitlist

Merchant services

Accept card payments online with Visa and Mastercard

Streamline customer payments with dedicated card payment processing in Europe. Genome brings Visa, Mastercard processing directly into your existing financial infrastructure, combining card acquiring and instant bank transfers under one roof. Maintain a structured cash flow through a reliable combination of debit and credit card processing with card acquiring. Soon you will also unlock Apple Pay and Google Pay for faster checkout on mobile. It will enable a quick and convenient payment experience on the go.

Merchant services

How card processing with Genome works

Open merchant account

Create your Genome account and complete business verification. Once your business wallet is activated, apply for a merchant account to unlock card payment processing.

Once approved for a merchant account, your status will change to “Configuring your account”. You can proceed with setup and technical integration using our hosted payment page.

Select the settlement account. You can choose between EUR, USD, and GBP multi-currency accounts. Keep your revenue in the currency you earned it.

After card payment processing is enabled, you can accept card payments from customers worldwide who use Visa and Mastercard. You can sell across borders without extra complexity.

Once you begin accepting payments from customers’ cards, funds will be settled to your chosen business account with next-day settlement, helping you keep cash flow predictable.

Merchant services

Multi-currency card processing without conversion friction

As a merchant, you select a settlement account, so funds land exactly where you need them. If you accept payments in a supported currency (EUR, USD, GBP), you can receive the money in that same currency. It means no hidden, unnecessary conversions during card processing. Avoid extra FX costs and keep reconciliation simple, especially when you work with customers in different countries. International businesses can benefit from cleaner cash flow and fewer surprises. For iGaming merchants, it’s especially useful for managing multi-market revenues and reducing friction across regions.

Card payment processing for different industries

E-commerce and marketplaces

Debit and credit card processing is ideal for online stores and platforms with many daily checkouts. You can support fast, smooth checkout flows, allowing clients to experience premium e-commerce payment processing! Handle peak traffic and cross-border shoppers without adding complexity thanks to reliable card payment processing.

iGaming and high-risk merchants*

Following our initial launch, iGaming businesses will get stronger controls and stable performance in a high-risk environment with our secure card processing. It is being engineered for international players, high volumes, and tighter risk requirements. Once live, you will be able to accept payments steadily, manage disputes, and charge for services with clearer oversight across markets.

Subscription and recurring payments

Following our initial launch, businesses that bill customers weekly, monthly, or yearly will benefit from card acquiring as well. It will allow clients to pay with Visa and Mastercard, some of the most common cards in the world. This way, subscription businesses will be able to reduce friction at checkout, improve approval rates, and keep cash flow more consistent for recurring revenue models.

Ticketing and events

High-volume sales before concerts, sports, or conferences require a stable environment. This is where the events industry can win greatly from card payment processing via Genome. You can handle spikes during launches, support quick online checkout, and reduce abandoned carts. You can also support easy refunds and cancellations, which is important when plans change close to the event date.

Travel and transport

As in the case with events, the travel industry is all about planning. With card acquiring, your business can handle different customer locations, larger basket sizes, and advance bookings. It also supports refunds, changes, and partial reversals more smoothly, which is a common need in travel operations.

Utilities and public payments

Customers who pay bills, fees, and are charged for regular services expect a simple, familiar way to pay. Many of them would use cards for the purpose. Use Genome's merchant account to accept payments online with a straightforward checkout and clear records for reconciliation. Reduce late payments and make the payment experience easier for end users.

Digital platforms and SaaS

Software services, digital businesses, and platforms that need scalable payments benefit from card acquiring as well. Businesses can accept cards globally and keep onboarding and billing consistent as they grow and expand to other markets.

*Please note: support for high-risk merchants is coming after the launch.

How card acquiring connects to your existing Genome merchant account

Our card payment processing eliminates the hassle of managing separate payment gateways and third-party accounts. From a single dashboard, you can monitor incoming Visa and Mastercard transactions alongside instant bank payments and outgoing vendor payments. Collect card payments in major currencies (EUR, USD, and GBP), while receiving transparent payouts straight into your account to streamline multi-currency treasury management.

Hosted payment pages for card processing

Use our hosted payment pages to launch a secure payment gateway in minutes, without building your own payment flow or storing sensitive data. Send customers to a protected payment page and accept payments through SEPA Instant Transfers and card payment processing. Built-in security controls and fraud tools help you reduce risk and keep the checkout experience smooth.

Integrate our API seamlessly

Payment pages

Flexible integration methods: hosted payment pages vs. self-hosted payment pages

Genome APIs

Our hosted payment page is the fastest way to deploy card acquiring with minimal development effort. When a customer clicks to pay, they are securely redirected to a Genome-hosted payment link to complete the transaction. Because Genome collects and processes the card details entirely on our infrastructure, this approach offloads your PCI DSS burden.

If keeping customers directly on your domain is a priority, a self-hosted payment page (host-to-host integration) we are to unveil soon delivers a seamless, on-site checkout experience. By embedding secure, hosted payment fields into your checkout flow, your team maintains total creative control over the visuals and user journey. However, with broader creative control, you also receive more PCI DSS compliance requirements, as you will be handling data on your side.

Higher approval rates with payment retries and Open Banking

Don't lose sales anymore! Recover more revenue when debit or credit card payments fail. With card payment retry logic, you can instantly offer Open Banking (Pay by Bank) as a backup option, so customers can still complete the purchase. TThey pay via SEPA Instant/Credit Transfers, using our instant bank payments. It is the same customer and issuer, just a different payment rail that often succeeds when cards are declined. The result: fewer abandoned checkouts, higher approval rates, and more deposits captured in real time.

Open Banking as an alternative payment method

Get a reliable backup when card payment processing doesn't work with Open Banking! You can offer customers two ways to pay: via Visa or Mastercard cards or SEPA Instant/Credit transfers. You can significantly improve full payment coverage across different banks, countries, and risk scenarios. If a card deposit fails, the customer can complete the payment directly from their bank account instead, often with instant confirmation. As a result, you face fewer failed deposits and less customer frustration at checkout. Customers remain satisfied and are more likely to finish registration, make repeat deposits, and stay active. Over time, that helps reduce churn and supports steadier revenue.

Open merchant account

Rolling reserve for high-risk merchants

A rolling reserve is a portion of every transaction held by Genome to cover potential chargebacks, refunds, disputed transactions, and other financial liabilities. The exact reserve percentage and holding timeframe are determined by an assessment of your company's risk level.

Merchant services

Secure and compliant card processing in Europe

EMI license

Genome is licensed and supervised by the Bank of Lithuania and abides by its strict regulatory rules.

EU regulatory framework

Our card processing is built to align with the EU regulatory framework for payments and customer protection.

3D Secure

3D Secure adds an extra authentication step to help confirm the real cardholder during online payments.

Fraud prevention and security

We use layered security controls and fraud prevention tools to help reduce unauthorized transactions.

Trust and compliance focus

Genome complies with major regulatory rules and laws, including PCI DSS, PSD2, and GDPR.

ISO certifications

We are ISO 27001 and ISO 27701 certified, applying effective security measures to protect our clients’ data.

Card acquiring and global processing with Genome

Relying on fragmented payment setups leads to failed transactions and lost sales. Genome delivers reliable card payment processing in Europe, ensuring a stable, secure connection between your checkout and major payment networks. Allow customers from anywhere in the world to seamlessly pay you with their preferred debit and credit cards without unnecessary declines.

Waitlist

Join the waitlist for card payment processing in Europe

Card payment processing is launching soon for Genome merchant account holders. Secure early access, receive priority onboarding support, and be among the first businesses to activate Visa and Mastercard processing alongside our instant bank payments.

What is card processing?

Debit and credit card processing is the process of moving a card payment from a paying customer to a business. It checks the card details, confirms the funds, and sends an approval or decline message. It’s what lets merchants accept card payments online.

What is card acquiring?

Card acquiring is the service that connects a business to the card networks and helps the merchant receive card funds. The acquirer works with banks to approve payments and settle them into the business bank account. It is a key part of payment processing for businesses.

How fast are settlements?

Settlement speed depends on the merchant's setup, currency, and the card type used. Many providers settle within 1–3 business days, but timing can vary by region. Genome usually settles funds that companies receive from card payments into the business account on the next business day.

What happens if a card payment fails?

A payment can fail for several reasons: insufficient funds, incorrect details, bank limits, or additional security checks. The customer can try again or use another card or payment method. Online payment processing tools usually show merchants the reason for decline. In some cases, it allows avoiding the issues with future payment tries.

Is card processing suitable for iGaming?

Yes, iGaming companies can accept card payments. However, they may need extra compliance steps, monitoring, and clear customer verification. Please note that the support for high-risk merchants will be available after the cards launch. Genome also offers businesses the ability to accept payments via Pay by Bank solutions, which are instant and can be more suitable for the iGaming industry.

How secure are online card payments?

Online card payments use security tools like encryption and fraud monitoring to protect data. Many setups also use strong customer authentication (when required) to reduce fraud. You should still follow good practices like secure checkout pages and careful access control for your team.