StreamPayments

What is StreamPayments and what do they do?

StreamPayments is a payment operations ISO (independent sales organisation) that connects merchants in complex and elevated-risk business models with acquiring banks across Europe, the UK and the US. Founded in 2019, the company sits between merchants and acquirers, handling the acquiring relationship, compliance layer and technical setup rather than acting as a bank itself.

Its core offering spans a PCI DSS Level 1 payment gateway with 3D Secure (3DS2), smart multi-acquirer routing and fallback logic; merchant accounts sourced from a network of EU, UK and international acquiring banks; and payment operations advisory covering approval-rate optimisation and market expansion. StreamPayments also runs dedicated infrastructure for iGaming operators in Malta and acquiring support in Cyprus, alongside its broader EU, UK and US coverage.

The gateway is built around a multi-PSP architecture: transactions route to the acquiring connection most likely to authorise based on card type, issuing country, and acquirer performance, with automatic fallback to a secondary acquirer if the primary connection fails.

Who is it for?

StreamPayments works with merchants whose business models fall outside standard gateway and acquiring setups. Typical clients include iGaming operators managing player deposits and withdrawals under card scheme monitoring programmes, subscription and recurring-billing merchants navigating Visa and Mastercard compliance rules, crypto and digital asset businesses, and streaming or digital content platforms processing cross-border volume.

The common thread is elevated risk or regulatory complexity — businesses that need more than a single acquiring connection and static routing to maintain stable approval rates and chargeback ratios.

Why do businesses choose StreamPayments?

• Multi-acquirer redundancy — access to several EU, UK, and international acquiring banks reduces dependency on a single relationship and supports fallback routing when one connection underperforms
• Vertical-specific compliance handling — fraud parameters, 3DS configuration and recurring billing setup are tuned to scheme rules for iGaming, subscription and crypto verticals rather than applied as generic defaults
• PCI DSS Level 1 gateway — card data is tokenized and encrypted in transit, removing the card capture environment from the merchant's own PCI scope
• Regional specialisation — dedicated infrastructure for iGaming operators in Malta and acquiring support in Cyprus, alongside EU, UK and US coverage
• Ongoing account management — ongoing monitoring of card scheme thresholds, chargeback ratios and approval-rate trends, rather than a one-off setup

Businesses using Corefy can simply obtain a MID from StreamPayments and connect it to Corefy's dashboard in a few clicks, without dealing with any integration work.

Is StreamPayments trustworthy?

StreamPayments has been operating as a payment operations ISO since 2019, with a leadership team built around corporate finance, payment operations, and acquiring experience, including a dedicated Head of Compliance role overseeing regulatory adherence across client accounts.

Its gateway infrastructure runs at PCI DSS Level 1, the highest tier of the Payment Card Industry Data Security Standard, and includes AML/KYC screening, card scheme threshold monitoring and 3D Secure (3DS2) authentication with liability shift. As an ISO, StreamPayments operates through its network of licensed acquiring banks rather than holding acquiring licences itself, structuring merchant onboarding and compliance around each acquirer's regulatory requirements.