Partner Banks QubePay

In the ever-evolving payments ecosystem, collaboration is key. At QubePay, we understand that no single player operates in isolation. To deliver seamless, secure, and scalable payment solutions, it takes a trusted network of partners — and that’s why we’re inviting acquiring banks, payment providers, and fintech platforms to partner with us.

Whether you’re an established acquirer looking to expand into new regions or a local bank seeking access to online merchant services, QubePay provides a powerful gateway to new business, built on experience, innovation, and regulatory integrity.

🌍 Why Partner with QubePay?

1. Access to Global Merchant Networks

QubePay is already integrated with a wide portfolio of online merchants across Europe, the UK, Asia, and emerging markets. By partnering with us, acquiring banks gain access to a diverse and active client base — including high-growth, high-potential merchants in sectors like eCommerce, digital services, travel, and FX.

2. Seamless Integration & Modern Tech Stack

Our tech stack supports:

• Visa & Mastercard acquiring

• POS and ecommerce integration

• Tokenization and fraud prevention tools

• Real-time monitoring and onboarding API

Partnering with QubePay means faster go-to-market times and simplified onboarding for acquiring partners and their merchants.

3. Compliance & Risk Management

We prioritize compliance. QubePay is aligned with global regulatory bodies like the FCA in the UK, EBA in Europe, and local frameworks in Southeast Asia. Our systems are PCI DSS compliant, and we actively monitor fraud indicators and chargeback risks, helping reduce exposure for acquiring banks.

4. Shared Growth Through Strategic Referrals

As an ISO/MSP/PSP, QubePay can refer well-qualified merchants to acquiring banks. Our referral and revenue-sharing models allow partners to benefit from new merchant business with pre-screened and pre-vetted clients.

🏦 The Key Roles in the Card Processing Ecosystem

To understand where QubePay fits, let’s look at the key players in a typical card transaction:

✅ 1. The Issuer (Cardholder’s Bank)

The issuing bank is the financial institution that provides debit or credit cards to consumers. This is the bank that holds the cardholder’s account and funds. Examples include Barclays, HSBC, Chase, or even challenger banks like Revolut or Monzo.

• Role: Authorizes or declines a transaction based on the cardholder’s available funds, fraud signals, or account status.

• Responsibility: Protect the cardholder, ensure available balance or credit, and respond to chargeback or dispute claims.

• Connection to QubePay: While we don’t work directly with issuers, QubePay ensures that all communications between merchant, acquirer, and issuer are processed securely via Visa/Mastercard.

✅ 2. The Merchant (Business Owner)

This is you or your client — the individual or business that wants to sell goods or services and accept payments online, in-app, or at the point of sale.

• Role: Provide products/services in exchange for funds. Needs a way to securely collect payments from customers.

• Responsibility: Maintain a trustworthy, secure checkout, prevent fraud, and comply with card scheme rules.

• Connection to QubePay: QubePay acts as the merchant’s primary interface to the entire payment system — from onboarding to settlement, reporting, and security.

✅ 3. The Acquirer (Partner Bank)

The acquiring bank (or acquirer) is the merchant’s bank. It provides the merchant account, which is necessary to accept card payments from customers.

• Role: Receives the transaction request from the merchant (via QubePay), communicates with the card networks, and settles funds to the merchant after approval.

• Responsibility: Vet and onboard merchants, monitor for fraud, and ensure compliance with Visa/Mastercard scheme rules.

• Connection to QubePay: We partner with acquiring banks globally. As a PSP/ISO, QubePay onboards merchants, handles KYC/KYB, and acts as a trusted conduit for transactions to flow between merchant and acquirer.

✅ 4. The Card Network (Visa, Mastercard)

The card networks — Visa, Mastercard, Amex, Discover — are the railways of the payments industry. They don’t issue cards or hold funds, but rather operate the networks through which all authorization, settlement, and messaging flows.

• Role: Serve as the intermediary between issuer and acquirer, validating and routing transaction data.

• Responsibility: Maintain scheme rules, fees, fraud monitoring, and universal interoperability.

• Connection to QubePay: As a Visa and Mastercard-enabled provider, QubePay ensures that all merchant transactions meet scheme standards, use tokenized routing, and benefit from the speed and scale of global card networks.

✅ 5. The Payment Service Provider (QubePay)

That’s us — QubePay! We act as the bridge between the merchant and the acquirer, managing everything from onboarding and security to transaction flow and settlement.

• Role: Offer an all-in-one solution for card acceptance, POS integration, payment gateway, and settlement reporting.

• Responsibility: Make payment acceptance simple and scalable for merchants while keeping compliance, fraud prevention, and transaction routing in check.

• Value to the Ecosystem:

  • Helps acquirers scale by bringing them verified merchant traffic

  • Helps merchants by simplifying setup, compliance, and technology

  • Ensures card scheme rules, AML/KYC, and PCI-DSS compliance are met

🔑 The QubePay Advantage

✔️ Multi-industry experience: From traditional retail to high-risk verticals
✔️ Global merchant access: UK, EU, Cambodia & more
✔️ Fast integration: Ready-to-go APIs & scalable tech
✔️ Risk management: Strong KYC, KYB, and compliance framework
✔️ Growth-minded: We help you scale faster, together

📣 Partner With QubePay Today

Are you a bank, acquirer, or payments provider looking to expand your acquiring portfolio? Let’s work together.

📩 Reach out to QubePay to explore strategic partnerships, revenue-sharing opportunities, and scalable growth in the payments space.

👉 Visit www.qubepay.com to learn more and connect with our partnership team.