Carteza brings you pre-screened merchants, handles all technical integration and onboarding support, and operates as a clearly defined technical layer — so you capture new volume while your compliance posture stays intact.
Registered in Estonia · Clearly defined technical scope · Your licence, your rules
Merchants pre-screened before referral
One integration — scalable merchant pipeline
Defined technical scope, documented and verifiable
[ THE CHALLENGE ]
Finding, qualifying, and onboarding a single merchant typically costs €500–2,000 in internal resources — before they process a single transaction.
Every new merchant connection requires engineering time, QA, and ongoing maintenance — a hidden cost that compounds with scale.
Compliance queues create delays — even for merchants with clean documentation. Good volume gets stuck in the pipeline.
[ HOW CARTEZA WORKS ]
We source, pre-screen, and prepare merchants ahead of your onboarding process. Your team reviews structured applications — not cold inquiries. We manage the technical integration so your engineering resources stay focused on your core platform.
Carteza does not hold funds, process transactions, or issue payment instruments. We provide the technology layer, complemented by your regulated payment infrastructure and expertise. Our legal structure documentation is available to your compliance team at any stage of the discussion.
We align on merchant categories, risk parameters, and commercial terms. You define the scope — we work within it. Legal review typically takes 1–2 weeks.
Carteza's role is defined in writing before any merchant is referred. We provide the technology layer, complemented by your regulated payment infrastructure and expertise. Full documentation available for your legal review on request.
Connect once via API. We manage all downstream merchant integrations — so your engineering team doesn't carry per-merchant build costs.
Every referred merchant comes with a pre-screening summary, website review, and risk tier. Your team makes the final call — we do the preparation work.
Live dashboard: transaction volume, approval rates, chargeback ratios, settlement data — per merchant, per period. Full data export available.
Merchant categories and risk appetite are agreed contractually upfront. We source within those parameters — every time. No scope creep, no surprises.
Carteza does not acquire directly, hold merchant balances, or offer payment services to your merchants independently. We grow your book — that is our only interest.
Contractually agreed categories across verticals and geographies — no referrals outside your defined risk appetite.
[ LOW RISK ]
[ MID RISK ]
Disclaimer: All mid-risk referrals include licence or registration documentation where applicable. Full documentation is part of every merchant package.
Integrate effortlessly using our API or ready-made plugins and start processing payments in no time. Enjoy a fast setup, full technical support, and a smooth connection that keeps your checkout secure, stable, and optimized for growth.
Carteza is not a PSP, agent, or sub-agent. We provide a technology layer for merchant sourcing, pre-screening, and technical integration — your licence and regulated infrastructure stay yours.
Final AML and KYC decisions remain with you as the regulated party. Carteza delivers structured pre-screening packages to accelerate your KYB review — we do not replace your compliance process.
Chargeback liability under Visa and Mastercard rules sits with you as the acquirer — this does not change with Carteza.
However, our partnership agreement includes indemnity provisions covering merchants referred outside the agreed risk parameters, and we support a merchant reserve structure that can be configured as a first-loss buffer. The specific terms are negotiated per partnership.
The partnership agreement defines merchant categories, risk parameters, commercial terms, technical scope, and referral workflow — so both sides operate within a documented and verifiable boundary.
Send us your email and we'll share a one-page partnership overview. If it's a fit, we'll schedule a 30-minute call with our partnerships team — no commitment required.
No sales pressure · One conversation · Clear terms
