Institutional Financial Infrastructure · Established in Switzerland
© Swiss Quantum Finance AG
Home / Services / Merchant & Collection

Collect revenue the way
your customers pay.

Cards, bank transfers, and multi-currency acceptance — orchestrated through a single integration, settled into the accounts where your treasury actually holds liquidity.

I.Overview

One integration.
Every rail your customers use.

Modern commerce is no longer a single-payment-method business. Your customers pay with the card schemes they trust, the bank-transfer rails their regulator prefers, and in currencies that reflect where they operate. Settlement, however, still has to arrive clean, reconciled, and in the currencies your treasury actually needs.

Our merchant layer closes that gap. One integration accepts payments across card schemes, local and regional bank rails, and digital alternatives — then routes settlement into the multi-currency accounts already governed by your treasury policy.

II.What's included

Acceptance, orchestration,
and reconciliation — one stack.

The merchant layer is built so that every transaction lands cleanly in your financial and accounting systems — without the reconciliation overhead that slows most operators.

i.

Card acquiring

Visa, Mastercard, American Express, and regional schemes through licensed acquirer relationships.

ii.

Bank & open-banking rails

SEPA, FPS, ACH, PIX, iDEAL, and regional instruments where local presence matters.

iii.

Multi-currency invoicing

Quote, bill, and collect in the currency your customer expects; settle in the currency your treasury holds.

iv.

Platform integrations

Reference integrations for marketplaces, SaaS billing, e-commerce, and trading platforms.

v.

Reconciliation & reporting

End-to-end transaction data, clean settlement reports, and exception workflows that drop into your ERP.

vi.

Fraud & compliance tooling

Rule-based screening, dispute management, and PSD2/SCA-compliant flows built into every acceptance path.

III.Who it's for

For operators whose revenue
crosses more than one rail.

Global e-commerce brands

Selling into multiple regions with customer-currency acceptance expectations.

SaaS & subscription businesses

International customer bases with recurring billing and retry complexity.

Marketplaces & platforms

Orchestrating pay-in and pay-out across buyers, sellers, and participants.

Travel, luxury & professional services

High-value international receivables requiring discretion and clean settlement.

IV.How we engage

From first flow review to live integration.

/ 01 · Review

Mapping acceptance

We map your customer currencies, channels, and acceptance gaps before recommending any stack.

/ 02 · Routing

Designing the stack

We select acquirers, rails, and settlement paths that minimize cost and reconciliation friction.

/ 03 · Integration

Structured launch

Reference code, sandbox testing, and a single support line post-launch — no helpdesk rotation.

V.Other pillars

Coordinated across all four pillars.

i.

Global Payment & Multi-Currency

Multi-currency accounts, cross-border rails, and centralized treasury across 100+ currencies.

View service
ii.

Foreign Exchange & Treasury

Institutional FX pricing, spot and forward solutions, hedging tools for operating businesses.

View service
iv.

Digital Asset & Crypto

Compliant on-ramps and off-ramps between fiat and digital assets, built for institutional use.

View service

Accept every rail — settle into one treasury.

Every initial conversation is private and without obligation.

Request a consultation Back to all services