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EU EEA Payment Processing

Content covering EU/EEA payment processing for high-risk merchants (iGaming/betting, FX/CFD, crypto/VASP, adult, nutraceuticals, travel, subscriptions). We focus on:

  • Regulatory frame: PSD2/RTS on SCA, EMV 3DS2, GDPR/UK GDPR, sanctions screening, scheme rules; how these affect approval rates and UX.

  • Rails & methods: cards (local vs cross-border acquiring, MCC/MID, network tokens), SEPA SCT & SCT Inst, SEPA Direct Debit (Core/B2B), Open Banking (PIS/AIS), and key APMs by market (iDEAL/Payconiq, Bancontact, BLIK, EPS, Giropay/Paydirekt, Multibanco/MB Way, Bizum, Swish, Trustly, Sofort/Klarna, etc.).

  • Optimization & risk: smart routing/cascading, domestic routing to cut cross-border declines, 3DS exemptions (TRA/LVP/secure corporate), fraud/chargeback prevention, KYB/KYC & KYT, velocity/limits, geofencing.

  • Ops & payouts: settlement currencies (EUR + multi-currency), reconciliation/webhooks, reporting, VAT basics, and EMI/banking partnerships.

Authoritative outbound resources about EU EEA Payment Processing: