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Acquired

Card Processing

Every card.Every wallet.One API.

Visa, Mastercard, Apple Pay, and Google Pay — all through our award-winning Hosted Checkout and Components solutions — built to maximise conversion first time and every time.

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Card payments supported

Card payments.We've got you covered.

Access card, Apple Pay and Google Pay with biometric authentication, network tokens, and richer issuer data, so you collect more payments with less work.

Visa

Visa

A global card scheme with 2.3 billion debit and credit cards issued worldwide.

Mastercard

Mastercard

A global card scheme with over two billion cards in circulation; it accounts for 40% of online transactions.

American Express

American Express

A global credit card scheme that can help you reach high-value shoppers and widen your customer base.

Apple Pay

Apple Pay

A well-known global digital wallet that offers your customers a highly secure, seamless payment experience.

Google Pay

Google Pay

A widely-adopted digital wallet that lets customers pay in a single tap with the cards stored on their Android device.

Cards + Acquired

Collect more. Lose less.

Combine card processing with Acquired's optimisation, protection and recovery capabilities, and the same customers, same cards, and same rails could potentially collect more revenue.

Route every transaction to the best path.

Our routing engine manages traffic across acquirers, with auto-failover technology that steps in if an acquiring bank goes offline. Ensure that you never miss a beat (or a payment).

  • Our rules engine allows you to spread volume across your acquirer panel based on best performance and approval rates
  • Real-time issuer signals feed every routing decision
  • Cascading retries across acquirers when one declines
Find out more

Acquirer panel · live

Acquirer A

Routed

Acquirer B

Authorised

Acquirer C

Standby

Disputes & Chargebacks

Fight back.Win more.

Every chargeback is revenue lost. Acquired manages disputes as they come in, hands you the right tools to respond with the right evidence for the right scheme, and works to stop as many as possible before they reach you.

Dispute management

Every dispute. One dashboard.

Visa, Mastercard, Amex disputes all land in the same place and with pre-built scheme-specific evidence templates and reason-code guidance. Respond from the Acquired Hub and we'll route your defence pack to the right acquirer.

  • Dispute notifications across every scheme
  • Pre-built evidence templates by reason code
  • Win-rate reporting alongside collections data

Chargeback prevention

Stop chargebacks before they start.

Most chargebacks are avoidable. Auth-time fraud signals and dynamic 3DS step-up — moving from frictionless to challenge flow when the risk warrants it — catch risky transactions before they ever become a dispute.

Jamie R.

Verifi · resolved pre-dispute

£89.00 Stopped

Sarah K.

Ethoca alert · refunded

£42.00 Stopped

Daniel M.

Dispute · evidence sent

£128.50 In flight

Where cards win

Cards are part of the picture.Not the whole one.

Cards are still the most powerful rail in many situations, and also the weakest in others. The right answer is rarely one rail; it's having the right rail for each moment in the lifecycle.

Criteria Cards Direct Debit Pay by Bank
Checkout speed
Global coverage
Cost per transaction
Real-time confirmation
Time to settle
Recurring suitability
Dispute / chargeback risk

FAQ

Common questions.

Which card networks and currencies does Acquired support?

Visa, Mastercard and American Express, across 13 major currencies. Multi-currency settlement is configured per acquirer.

How does Acquired's auth-rate optimisation work?

Our routing engine evaluates every transaction against issuer behaviour, network preferences, and your acquirer mix. It picks the path most likely to authorise, and steps up to 3DS only when authentication will actually improve the outcome.

Do you offer access to multiple acquirers?

Yes. We work with multiple acquiring banks, so you're not locked into a single relationship. Our routing engine distributes volume across them by performance, giving you resilience and flexibility without the overhead of managing it yourself.

What's your PCI compliance like?

We're a PCI DSS Level 1 Service Provider. We can handle all sensitive card data so you don't have to worry about it touching your systems or expensive PCI audits.

Can I use Apple Pay and Google Pay without a separate integration?

Yes. Apple Pay and Google Pay are available out of the box. Both wallets are surfaced through the same Acquired checkout, whether you use our Hosted Checkout or Components. Or you can add the button directly to your own site via the Apple Pay and Google Pay APIs. Drop in the button on any registered domain and the rest is handled for you, including authentication via Face/Touch ID.

Trusted and certified

PCI DSS Level 1 Service Provider ISO/IEC 27001 certified Cyber Essentials Plus certified

Authorised and regulated by the Financial Conduct Authority

Ready to take more payments?

Your dedicated integrations specialist will scope everything in plain language and have you testing in our sandbox sooner than you'd expect.

  • Multi-acquirer routing across UK & EU rails
  • Apple Pay, Google Pay and every major card network
  • Network Tokenization and Account Updater services built in as part of Revenue Protect
  • FCA regulated · PCI DSS Level 1 certified

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