Payracks is a global payment platform that enables businesses to accept cards, alternative payment methods, and digital wallets across 100+ countries and 135+ currencies. The company offers a secure, flexible infrastructure designed for recurring payments, rapid merchant onboarding, and compliance in high-risk environments. Its solutions include smart routing, white-label wallet infrastructure with fiat/crypto support, and localized APM coverage from SEPA to PIX.
Funding
Funding not disclosed
Founders
Product
Problem
Businesses expanding internationally face fragmented payment ecosystems, requiring them to manage multiple acquirers, local payment methods, and compliance requirements across different regions. This complexity slows down market entry, increases integration costs, and creates friction in managing recurring revenue and high-risk transactions.
Solution
Payracks provides a unified global payment platform that consolidates card processing, alternative payment methods, and wallet infrastructure into a single API-driven solution. The platform supports transactions in over 100 countries and 135+ currencies, with smart routing that optimizes approval rates and reduces costs. Merchants can launch branded wallets with built-in KYC, fiat/crypto conversion, and wallet-to-wallet transfers, while the infrastructure handles recurring billing, compliance, and risk management. The platform is designed for rapid onboarding and scalability, allowing businesses to expand into new markets without rebuilding their payment stack.
Target Audience
Primary customers are e-commerce merchants, subscription-based businesses, fintech companies, and enterprises operating in high-risk or internationally expanding markets that need a single, compliant payment solution.
Features
- Global payment coverage with 135+ currencies and 100+ countries, including local APMs like SEPA, PIX, Apple Pay, and PaySafeCard
- Smart routing engine that optimizes transaction approval rates and minimizes processing costs
- White-label wallet infrastructure with fiat/crypto support, KYC verification, FX conversion, and wallet-to-wallet transfers
- Recurring payment optimization designed for subscription businesses and high-volume billing cycles
- Rapid merchant onboarding with automated compliance checks and risk management tools
- Resilient infrastructure built for high-risk environments and enterprise-scale transaction volumes