Provider Overview

Founded in 2015 and headquartered in London, United Kingdom, Advanced Payment is a high-performance payment processing and API gateway platform serving enterprise-grade clients, belonging to the payment platform category. Advanced Payment enables businesses to rapidly connect to global payment networks through a unified API gateway, offering a complete payment infrastructure stack including intelligent transaction routing, real-time fraud protection, automated settlement, and subscription billing.

As of 2026, Advanced Payment's infrastructure covers 100+ countries worldwide, supporting 50+ local payment methods and processing billions of dollars in annual transaction volume. The platform holds the highest levels of security and compliance certifications including PCI DSS Level 1, ISO 27001, and SOC 2, serving e-commerce platforms, SaaS companies, financial institutions, and multinational enterprises.

Core Strengths

  • High-Performance Payment API: Advanced Payment's API gateway delivers millisecond-level transaction processing with a 99.99% uptime SLA. The API design is clean and consistent, supporting both RESTful and GraphQL interfaces with SDKs covering Python, PHP, Java, Go, Node.js, and other major languages. See cross-border payment platform comparison.
  • AI-Powered Smart Routing: The platform's built-in AI-driven smart routing engine analyzes each transaction in real-time, evaluating factors like success rate, cost, and response time across processing channels to automatically select the optimal path. Smart routing improves overall payment success rates to 98%+ while significantly reducing channel costs. Among payment platforms, Advanced Payment's routing optimization is industry-leading.
  • Comprehensive Compliance: Advanced Payment holds PCI DSS Level 1 (highest level of payment card industry security), ISO 27001 (information security management), and SOC 2 Type II (service organization controls) certifications, fully compliant with GDPR data protection requirements. Enterprises need no additional investment for top-tier security compliance.
  • Global Payment Coverage: Supports payment acceptance in 100+ countries including Visa, Mastercard, American Express, and other international card schemes, plus local clearing systems like SEPA (Europe), BACS (UK), and ACH (US). The platform is continuously expanding local payment method coverage in Asia-Pacific and Latin America.

Product Ecosystem

Payment API Gateway

The core payment processing API supports multiple transaction types including single charges, batch payments, refunds, pre-authorizations, captures, and reversals. The API provides a unified request format that automatically adapts to different acquirers and processing channels. Transaction status is communicated via Webhook for asynchronous callback integration.

Smart Routing Engine

The AI-powered transaction routing system evaluates multi-dimensional metrics — success rate, cost, response speed, channel availability, and risk scores — to select the optimal processing channel for each transaction in milliseconds. Merchants can customize routing strategies with priority rules and fallback channels.

Fraud Engine

Advanced Fraud Shield provides real-time fraud detection and risk scoring using machine learning models that analyze transaction behavior characteristics including device fingerprinting, IP geolocation, transaction patterns, and historical behavior. Merchants can configure custom fraud rules with automated decision actions (approve, decline, manual review).

Settlement Management

The automated settlement system supports multi-currency reconciliation and settlement with daily, weekly, or monthly cycle options. Settlement reports are auto-generated in CSV, Excel, or PDF format. The platform also provides a Reconciliation API for automated system-to-system matching.

Subscription Billing

Supports recurring payments and subscription management with flexible billing models (fixed period, usage-based, tiered pricing, hybrid). Built-in trial period management, upgrade/downgrade, invoice generation, and dunning logic — ideal for SaaS and subscription-based businesses.

Limitations

  • Lower Brand Recognition: Advanced Payment's brand awareness is lower than tier-1 gateways like Stripe and Adyen, which may affect consumer payment trust and business partnerships in international markets.
  • Higher Barrier for Small Merchants: The platform primarily targets mid-to-large enterprises and merchants with custom requirements. It is less friendly to individual developers and micro-merchants compared to platforms like Stripe that offer free starter plans. Entry-level plans may have minimum volume requirements.
  • Advanced Features Require Upgraded Plans: Custom routing strategies, dedicated fraud rules, and account management require enterprise plan subscriptions — potentially costly for budget-constrained merchants.
  • Emerging Market Coverage Expanding: While European and North American payment coverage is comprehensive, local payment method coverage in Asia, Latin America, and Africa is still being extended, with some markets not yet fully supported.

Use Cases

  • Mid-to-Large E-Commerce Platforms (★★★★★): High-concurrency processing and smart routing optimization ideal for high-volume e-commerce platforms requiring maximum payment success rates.
  • SaaS Subscription Products (★★★★): Comprehensive subscription billing functionality suitable for SaaS companies with complex billing models.
  • Multinational Enterprise Collections (★★★★): 100+ country coverage for multinational corporations needing unified payment management across multiple markets.
  • Fintech Platforms (★★★★): Open API architecture and comprehensive compliance certifications suitable for fintech companies needing deep payment integration.
  • Individual Developers & Micro-Merchants (★★): Higher entry barrier; consider Stripe or PayPal for platforms better suited to smaller-scale merchants.

Pricing

Service Fee Notes
Standard Transaction 2.5% + $0.25/transaction Applies to most transactions
High Volume Negotiable (min 2.0%) Contact sales team
Smart Routing Free (standard plan) Advanced strategies need enterprise
Fraud Engine Free (basic rules) Advanced rules need enterprise
Monthly Fee $99-$999/month Varies by plan
Enterprise Plan Custom pricing Dedicated support + custom features

FAQ

  • What is Advanced Payment? Advanced Payment is a payment processing and API gateway platform founded in 2015 in London, UK, connecting businesses to global payment networks through a unified API gateway. The platform offers smart routing, real-time fraud protection, automated settlement, and subscription billing — covering 100+ countries worldwide.

  • What security certifications does Advanced Payment hold? Advanced Payment holds PCI DSS Level 1 (highest payment card industry security standard), ISO 27001 (information security management), and SOC 2 Type II (service organization controls) certifications, fully GDPR compliant. Enterprises meet top-tier security standards without additional investment.

  • Which countries does Advanced Payment support? The platform supports payment acceptance in 100+ countries including major European and North American markets plus emerging markets in Asia-Pacific and Latin America. Supports 50+ local payment methods including international card schemes (Visa, Mastercard, Amex) and local clearing systems (SEPA, BACS, ACH).

  • How is Advanced Payment different from Stripe? Advanced Payment focuses on enterprise-grade payment infrastructure with smart routing and custom fraud strategy capabilities — suited for mid-to-large enterprises with complex requirements. Stripe excels in developer experience and small merchant accessibility with free starter plans and a richer community ecosystem. See cross-border payment platform comparison.