Overview
Shift4 is a US payment processor and acquirer, founded in 1999 and based in Allentown, Pennsylvania, with a base in Malta formerly known as Finaro and Credorax. The platform combines Shift4 technology with the European acquiring bank Finaro (Credorax) and serves partners on a white-label basis.
Products - Smart routing acquiring. - 3DS2. - Cross-border processing. - ISV and ISO partner programme. - POS and online acceptance.
Methods - Cards: standard debit and credit payments. - NFC: contactless payment by card, phone or watch. - QR: the shopper scans a code and confirms the payment in an app.
Contactless payments keep growing in retail, and QR lets a business accept payments without expensive hardware.
Markets and verticals The United States, Europe, the United Kingdom, Japan and Canada are named, with a global reach. Hospitality, iGaming, e-commerce, retail, airlines and ISVs are the target verticals.
Terms Pricing is an enterprise arrangement or a partner revenue share. As an acquirer, Shift4 processes the transaction and settles funds to the seller, which shortens the chain of intermediaries and simplifies dispute handling. When requesting an offer, describe the business format and average ticket.
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