NORTH AMERICA

North America payment solutions that increase revenue instead of impede growth

Payment solutions for the U.S. and Canada

EXPOSING CHALLENGES

Without local expertise, you could damage your bottom line

Entering new markets means facing new challenges. The most effective way to avoid those challenges is with a customized, localized strategy. But if your approach to global expansion is one-size-fits-all, you could needlessly forfeit a lot of revenue.

You pay high processing fees and have low approval rates, so ROI is minimal

You’re unaware of region-specific fraud and chargeback issues, so you struggle to get risk under control.

You don’t understand and adhere to local regulations, so you’re hit with unexpected penalties.

GUIDING YOU TO SUCCESS

Finally — a solution provider who helps your business grow strategically

AltoPay can create a customized strategy for your North American business that will solve your payment challenges — without introducing new ones.

U.S. headquarters with responsive, experienced staff
Decades of combined processing experience
PCI Level 1 global payment platform
Local processing backed by reputable acquirers
All major debit cards and credit cards
Digital wallets
Support a variety of billing models
Fraud and chargeback management
Tailor-made reporting

WHAT YOU GET

Solutions for reliable payment processing in the U.S. and Canada

AltoPay is a global payment solution provider that serves online businesses incorporated in the United States and Canada. Our team of experts can help you fully manage new markets so payment challenges won’t hold you back.

Merchant Accounts

Increase approval rates, decrease costs, and improve ROI by routing transactions through a merchant account from one of AltoPay’s North American acquiring banks.

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Chargeback Management

Protect your payment processing with a customized risk management strategy. Our team will help you understand and manage region-specific fraud and chargeback issues.

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Payment Technology

Access a payment tech stack specific to North American businesses. Get real-time reporting, multi-currency processing and settlement, local shopping cart integrations, and more.

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Local Support

Count on our team of local experts. We want to be an extension of your team — constantly looking for ways to remove roadblocks, offer advice, and increase ROI.

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STRATEGIC EXPANSION

Operate in other regions? We can help you there too!

We have the solutions you need — whatever you sell and whoever you sell it to. Explore the other regions we serve.

Europe

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Latin America

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ONBOARDING PROCESS

Get North American solutions in three easy steps

Your onboarding experience will be as simple and straightforward as possible.

Sign up

Complete our online application and let us know which solutions you are interested in.

Review

We review your application and initiate the pre-approval process.

Implementation

Approved solutions are activated. Your business is ready to experience new growth in North America.

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FAQ

Questions and Answers

Are there any industries that are restricted or prohibited in the US or Canada?

Yes, certain industries face restrictions, prohibitions, and/or licensing requirements when applying for merchant accounts in the US and Canada. While regulations vary by state and province, commonly impacted industries include:

Any business dealing in products or services deemed illegal under federal or state law
High-risk financial services (forex trading, binary options, and certain cryptocurrency-related businesses)
Adult content (adult entertainment, streaming, and dating services)
Gambling and betting (online gaming, poker, lotteries, sweepstakes, and raffles)
CBD and cannabis-related products
Multi-level marketing (MLM)

If your business falls into one of these categories, we can help you navigate restrictions and find a compliant payment processing solution.

How is the application process different in Europe vs. the United States?

The application process for a merchant account varies between the US and Europe due to different underwriting standards.

United States – Approvals are often based on the business owner’s personal credit score. If the owner has strong credit, the process is typically faster. US acquirers also prefer businesses with a strong domestic customer base and transactions primarily in USD.
Europe – Underwriting focuses more on the business itself rather than personal credit history. European acquirers typically conduct deeper evaluations of business operations, financial health, and compliance history. They also tend to be more internationally focused, supporting multiple currencies and cross-border transactions.

Businesses expanding across both regions should understand these differences to ensure a smooth application process. If you apply via AltoPay, we’ll help you navigate these differences in the most efficient and streamlined way possible.

You should be able to grow your business without local regulations getting in the way

Managing payments isn’t your area of expertise — and it doesn’t need to be. Because AltoPay can fully support you as you expand your business throughout the USA and Canada. Let us come alongside you and guide you during this new phase of growth.

Get started now

North America payment solutions that increase revenue instead of impede growth

Payment solutions for the U.S. and Canada

Without local expertise, you could damage your bottom line

Finally — a solution provider who helps your business grow strategically

Solutions for reliable payment processing in the U.S. and Canada

Merchant Accounts

Chargeback Management

Payment Technology

Local Support

Operate in other regions? We can help you there too!

Europe

Latin America

Get North American solutions in three easy steps

Sign up

Review

Implementation

Questions and Answers

Are there any industries that are restricted or prohibited in the US or Canada?

How is the application process different in Europe vs. the United States?

You should be able to grow your business without local regulations getting in the way

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