Seamless Merchant Payments. Trusted Acquirers. Accelerated Growth.

Acquiring relationships, compliance expertise, payment infrastructure and operations, all from a team that has been navigating complex payment environments since 2019.

Get Started
Talk to Our Team

Merchants worldwide rely on our PCI DSS Level 1 payment infrastructure to support their high-volume operations.

Payment Gateway

Secure, high-performance PCI DSS Level 1 gateway with 3D secure, recurring billing, fraud tools and flexible integrations.

View gateway solutions →
authorize.json
response.json
Request
1POST https://api.streampayments.com/v1/authorize
2Authorization: Bearer sp_live_••••••••••••••••
3X-Routing-Strategy: smart
4
5{
6 "amount": 12500,
7 "currency": "EUR",
8 "merchant_id": "SP-MID-EU-00847",
9 "routing": {
10 "strategy": "smart",
11 "fallback": true,
12 "preferred_acquirer": "EU-PRIMARY"
13 },
14 "3ds": {
15 "enabled": true,
16 "mode": "frictionless"
17 },
18 "card": {
19 "number": "4111111111111111",
20 "cvv": "***"
21 }
22}
Response 200 OK
1{
2 "status": "authorized",
3 "transaction_id": "sp_txn_9c4f2a81e3",
4 "auth_code": "AUTH-882941",
5 "routing": {
6 "acquirer_used": "EU-PRIMARY",
7 "fallback_triggered": false
8 },
9 "3ds": {
10 "result": "authenticated",
11 "flow": "frictionless",
12 "liability_shift": true
13 },
14 "compliance": {
15 "pci_scope": "out_of_scope",
16 "tokenized": true,
17 "pci_level": "DSS-L1"
18 },
19 "gateway": "streampayments"
20}

Merchant Accounts

Access a network of EU, UK, and international acquiring banks that understand your business model.

Explore merchant accounts →
Merchant Account
EU Acquiring
Active
Active
Business Profile
Verified · KYC complete
Verified
Acquiring
Acquiring Region
EU · Primary and fallback active
Redundant
Compliance
Compliance Status
Card scheme thresholds within range
On track
3DS
3DS Authentication
3DS2 active · Frictionless enabled
Active
Jurisdiction
European Union
Settlement
EUR · T+2
Processing
Live

Risk & Compliance

End-to-end risk management, fraud prevention and compliance support to keep your payments secure.

See risk support →
Transaction Risk Assessment
TXN-9C4F2A81
Live
Card Payment · iGaming Deposit
Visa · DE issuer · EU merchant · 2026-08-07 09:41:22Z
€125.00
Transaction value
14
/ 100
Risk Score
Low risk. All fraud signals within acceptable range. No velocity anomalies detected.
Low Risk
AML Screening
No sanctions matches · Transaction pattern normal
Cleared
3DS2 Authentication
Frictionless · ECI 05 · Liability shift active
Authenticated
Chargeback Ratio
Current 0.41% · VAMP threshold not approached
Within threshold
Final Decision
All checks passed · Proceeding to authorization
Approved for Auth

For Businesses Going Places

Merchant accounts, secure payments infrastructure, and hands-on support for businesses scaling across borders. We help merchants get matched with the right acquiring partners, stay compliant, and keep payments moving.

Merchant-first Support

A dedicated team embedded in your payment operations from onboarding through day-to-day merchant payment management.

Trusted Acquiring Network

Access to EU and UK acquiring partners built for your business model. We help you build acquiring infrastructure that stays stable as you scale.

Compliance Built In

Support for card scheme rules, monitoring programs, and payment compliance operations so you stay ahead of requirements.

Secure Infrastructure

PCI DSS Level 1 compliant gateway support with 3D Secure and recurring billing built into your merchant payment infrastructure from day one.

Flexible Payment Setup

Supporting subscription, digital, and regulated payment flows. Smart routing and multi-acquirer architecture for complex environments.

Cross-border Reach

Acquiring redundancy and payment routing support for merchants expanding across Europe, the UK, and key international markets.

  • Merchant Accounts in the EU

    Cross-border acquiring support and payment infrastructure for online businesses operating across European markets. We match merchants with the right EU acquiring partners and keep payments moving.

    Learn more →

  • Merchant Accounts in the UK

    Local and international acquiring support for UK-facing businesses. We help merchants build stable payment infrastructure with acquiring partners that understand your business model.

    Learn more →

  • iGaming Payment Infrastructure in Malta

    Merchant accounts and payment operations for licensed iGaming operators. Acquiring infrastructure, compliance, and payment stability in one of Europe's leading regulated markets.

    Learn more →

  • Acquiring in Cyprus

    Local and international acquiring support for businesses operating in Cyprus. We help merchants access payment infrastructure and acquiring partners suited to their business model and industry.

    Learn more →

  • Expanding into a new market next?

    We're building support for merchants entering key growth markets around the world like US, Mexico, LATAM, Canada. Let us know where your business is going and we’ll unlock acquiring partners to support your growth.

    Get in touch →
  • orion ai software logo

    "The team at StreamPayments have been incredible not just at opening accounts for us in a very quick manner, but also guiding us in setting up our tech infrastructure and making sure we have high approvals in a high risk industry. We're really pleased to be working with them."

    ORION AI SOFTWARE

  • "StreamPayments has been instrumental in facilitating smooth communication with our acquirer, especially when expanding to new markets or adding processing currencies. Their proactive approach helps safeguard our merchant account from fraud while ensuring compliance with evolving regulations."

    PROCESSING.NET

  • "We couldn't be happier with our decision to work with StreamPayments. From the very beginning, their team has been incredibly friendly, understanding, and supportive. Their expertise and competence shone through as they skillfully navigated any obstacles that arose while integrating their systems into our platform. We're truly grateful to have partnered with StreamPayments and highly recommend their services to any business."

    PTCHAT

  • "If you're looking for a payment provider that truly understands the needs of e-com businesses, StreamPayments is an absolute game-changer. One of the standout features of StreamPayments is their seamless onboarding process. Unlike other providers that bury you in tiring steps, StreamPayments offers a quick setup that gets you up and running in no time."

    FINIQLY

Built by Payments Professionals

StreamPayments has been providing merchant acquiring services 2019, by a team with experience in corporate finance, payment operations, and acquiring from some of the industries leading firms. We have built an ISO around one principle: merchants in complex payment environments deserve a partner who understands their infrastructure as well as they do.

  • Biliana Sidova

    FOUNDER & CEO

    Biliana leads the overall direction of StreamPayments, focusing on strategic growth and innovation. Her leadership ensures the company stays agile and client-focused, delivering top-tier payment solutions that drive long-term success.

  • Iskra Edreva

    HEAD OF COMPLIANCE

    Iskra safeguards StreamPayments and its clients by ensuring strict adherence to regulatory standards across all payment activities. With a proactive approach to risk management, she provides clients with the confidence that their operations remain secure, compliant, and ready for growth.

  • Petar Petrov

    HEAD OF GROWTH & PARTNERSHIPS

    Petar leads growth strategy and key partnerships. He identifies new market opportunities, guides clients through complex payment environments, and represents us at industry events. His focus is on building long-term partnerships grounded in stable payment infrastructure and sustainable growth.

  • Nadia Marinova

    HEAD OF MERCHANT ONBOARDING

    Nadia designs and implements the onboarding processes at StreamPayments, setting clear priorities and ensuring smooth, compliant integration with banking partners. Her expertise provides clients with efficient onboarding experiences, enabling seamless, compliant access to tailored payment solutions.

  • Milena Milusheva

    RISK SYSTEMS & BI MANAGER

    Milena oversees business intelligence and risk reporting for StreamPayments, providing merchants with actionable insights and risk analyses. Her work equips clients to make informed decisions and optimize their payment operations, enhancing both security and performance.

  • Kristopher Ramirez

    HEAD OF CORPORATE COMMUNICATIONS

    Kristopher leads corporate communications, ensuring merchants stay informed about payment processes, compliance updates, and growth opportunities. He helps our merchants understand new regulations, optimize transactions, and leverage payment solutions for long-term success.

Upcoming Events

Your Payment Infrastructure Partner

StreamPayments works with merchants in business models of all risk levels on acquiring relationships, payment operations, and compliance-aware infrastructure. If your payment setup needs to hold up under pressure, let’s talk.

Apply Now
Talk to Our Team