The right acquirer, from the first application.
Merchant accounts
We connect online merchants with acquiring partners suited to their sector, risk profile, and geography.
- Higher approval rates
- Better pricing and terms
- Faster onboarding
Payment advisory, United States and Europe
Payment performance is a P&L discipline.
Payment consulting for online merchants and payment service providers. Premium acquirer relationships, MID opening, lower processing costs, higher authorization rates.
Our clients average performance gain
- $1.2BAnnual volume under advisory
- −52 bpsAverage effective MDR reduction
- +2.1 ppAuthorization rate increase
- 40+Acquiring & PSP partners
Services
Our services.
Merchant accounts, merchant consulting, and payment provider consulting.
Your payment costs, line by line.
Merchant consulting
Fewer basis points on your MDR, more approved transactions: pricing and fees, orchestration, and cross-border strategy.
- Pricing and fee optimization
- Payment orchestration
- Cross-border strategy
For PSPs, banks, gateways, and processors.
Provider consulting
Acquiring strategy, market expansion, and payment products built for enterprise merchants.
- Acquiring strategy
- Product advisory
- Risk and compliance
Who we work with.
Our clients measure payments in basis points and millions, not percentages and invoices. If that is you, we speak the same language.
From straightforward sectors to demanding ones.
Low, medium, or high risk: we place fully legal businesses across risk profiles.
- SaaS & subscriptions
- Professional services
- General e-commerce
- Digital goods & content
- Nonprofit organizations
- Travel & hospitality
- Ticketing & events
- Financial services & fintech
- Nutraceuticals & supplements
- Telecommunications
Fully legal
- Online pharmacy
- Cross-border travel
- Licensed gaming & betting
- Compliant CBD & hemp
Free, with a report
Find the right payment partner.
BPY automates the first step of its advisory so online merchants can receive a free report.
Find the providers you needFrequently asked questions.
Another question? Write to us directly.
Do you also work with smaller merchants?
Yes, when there is a meaningful opportunity in your MDR, declines, or chargebacks. The free qualification flow helps assess this quickly.
Do you work with high-risk sectors?
Yes, where the activity is fully legal: online pharmacy, licensed gaming and betting, compliant CBD, and cross-border travel.
What is the difference between merchant accounts and advisory?
Merchant accounts introduce you to an acquirer suited to your profile. Advisory covers your full payment setup: pricing, orchestration, and cross-border strategy.
Do you also support payment providers?
Yes. PSPs, banks, gateways, and processors rely on us for acquiring strategy, product advisory, and risk and compliance frameworks.
How does an initial conversation work?
Describe your situation through the contact form or qualification flow. We will get back to you to arrange a private consultation.