International Credit Card Processing & Online Payment Solutions

At First Atlantic Commerce, we provide online payment solutions and international credit card processing for merchants, banks, and partners all over the world. We are a payment gateway that enables merchants to accept and process credit and debit card payments online.

Our platform is highly scalable to ensure smooth operation during peak hours, and we pride ourselves on our gateway service uptime.

Our powerful and secure payment platforms enable businesses across many industries and geographies to implement multi-currency solutions on their web sites so that customers can select their preferred currencies in which to pay. We can facilitate merchant account solutions via direct relationships between our clients and established acquiring banks around the globe.

The security features offered with (or independently of) our international online payment solutions and merchant services ensure successful transactions for both companies and their customers, with minimal losses due to fraud. These security features of our international payment solutions include pre-authentication services, 3-D Secure™ payer authentication, and other risk management solutions.  Kount is also available via our platform and helps you prevent fraud before it occurs.

Want to learn more about our international credit card processing services? Our exceptional customer service representatives are waiting to help you. Contact us today to learn more about our online credit card processing services!

Our Services

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Our range of online, real-time payment processing solutions enable online merchants around the world to expand their businesses...

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Our gateway is engineered to support the most robust of acquiring programmes and for over 17 years...

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For over 17 years, we have been working with an established worldwide network of partners, from a variety of industries and backgrounds...

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Providing International Online Payment Solutions since 1998

First Atlantic Commerce (FAC) is a leading, global internet payment solutions provider. The Bermuda-based company was originally established as a payment gateway in 1998 to create secure,Read more »

A Payment Gateway for Merchant Accounts

FAC’s Payment Gateway is a feature-rich, secure, payment system called cGate®. Our Application Program Interface (API)allows for a fast and simple integration, and connects the merchant’s website or ecommerce platform directly to our processing platform.Read More »

Online Fraud Management Solutions

FAC provides merchants, banks and PSPs with a range of powerful fraud management solutions to mitigate online fraud and protect business from chargebacks and unauthorized payments. Our 3-D Secure™ payerRead More »

Providing International Online Payment Solutions since 1998

At First Atlantic Commerce (FAC) we provide our customers with secure and leading internet payment solutions that have a global reach.

Based in Bermuda, we originally established ourselves in 1998 as an international payment gateway providing secure, transaction processing solutions for online merchants. Since then we have rapidly grown into who we are today; a complete internet payment provider.

Alongside global credit and debit card processing, we also support alternative payment options through our unique, secure interface. Coupled with this, we provide online fraud detection and risk management solutions too.

These solutions are made completely bespoke to you, your company and requirements. Our products are then provided with a customer service second to none. You will not only benefit from our extensive knowledge and experience, but you will also be working alongside a partner who will provide you with excellent customer service.

One Technical Integration to enable you access to our services
International organisations and small to medium sized businesses across the globe benefit from our payment solutions. We can offer you a completely customized and flexible payment processing solution allowing you to expand your internet-based business into new markets across new regions and countries. This is achieved with one integration to our powerful and secure payment platform and access to various banks across the globe.

No Start-ups
FAC does not process for companies that are new to trading online unless they have brick and mortar history. Companies must show at least 6 months of processing history. We typically work with mid to large sized organizations.

A Payment Gateway for Merchant Accounts

Our feature-rich and highly secure payment gateway is a system called cGate®.

Integration with our payment gateway system and your website or eCommerce platform is done fast and simply connecting via our Application Program Interface (API). No technical knowledge is needed; we can work with your developers or website managers to couple the platform into your web presence rapidly, expediting how quickly you and your organisation can start taking advantage of the benefits our system provides.

As a Merchant you will also be able to take advantage of our Virtual Terminal (VT). This allows you a convenient way to manually process card transactions received through telephone, fax, email or even in person. The Virtual Terminal works seamlessly and is completely secure.

Batch Processing, Recurring Billing and Tokenization re also available upon request.

Facilitating your Merchant Account
As well as taking care of all your processing needs we can also handle your merchant account applications. Our business development team will facilitate the opening of your merchant account for the purpose of credit card processing. Depending on which regions you wish to trade in, we can offer you the ability to price products and services in up to 145 world currencies with settlement to US Dollars. Alternatively, you can price and settle in 16 major currencies.

At FAC we work closely with banks and payment provides across the world including Europe, Mauritius and the Latin American Caribbean Region (the Caribbean, Central America and South America). This provides you with the widest possible choice and expansion options literally opening your potential to a global market.


Online Fraud Management Solutions

At FAC we provide merchants, banks and PSPs with powerful fraud management solutions enabling the mitigation of online fraud to protect your business from chargebacks and unauthorized payments. Using our own 3-D Secure™ payer authentication solution for Verified by Visa and MasterCard® SecureCode™ we can provide a standalone authentication solution for your business or we can provide it in conjunction with our cGate® payment gateway services.

Alongside our fraud management services we also provide pre-authentication solutions such as Address Verification Services (AVS) and Card Verification Value (CVV). These solutions are known as CVV2 for Visa, CVC2 for MasterCard and CID for American Express and are all available to you as further layers of protection, security and compliance. We can provide these services as standalone or used to anonymously pre-screen North American customers ($0 AVS).

We also have the award winning fraud detection service — Kount — available on our platform.