We know how your application gets read.

AZ Nexus connects merchants with licensed payment providers, and prepares your application the way the other side will read it.

Talk to usSend us your statement
Processing statement, AugustSample
Interchange1,184.20
Scheme fees412.75
Acquirer markup968.40
Other charges327.90
Total, EUR2,893.25
blended rate.|ask why.
what is|this?

Heard this before?

None of these is a verdict on your business. Most are about how it was presented, and to whom.

File 01, declinedApplication declined
File 02, on holdAccount under review, funds on hold
File 03, reserveRolling reserve: 10% for 180 days
File 04, declinedUnable to support your business type

Declined somewhere else? Tell us why.

A decline is usually a presentation problem, and we've been the ones reading the file.

Your fee statement is written to confuse you.

We read it for a living. Send it over and we'll tell you, in plain language, what you're paying.

No house provider. No products of our own.

We don't earn more by pushing one provider, so we don't.

Same business. Better file.

  1. 1Talk to us.Your business, your volumes, your markets.
  2. 2We shortlist and prepare.The right providers, and an application ready for them.
  3. 3You go live.You sign directly with the provider. We stay your contact.
File 01, declinedApplication declined
File 02, on holdAccount under review, funds on hold
File 03, reserveRolling reserve: 10% for 180 days
File 04, declinedUnable to support your business type

Based outside the EU and selling into Europe?

Dubai, Hong Kong, New York, Nairobi, Lagos: European acquirers will want to understand your structure, your ownership and your substance. We help you answer before they ask.

International merchants
structure · ownership · substance
The index

What we cover

pull any file.
01CardsEvery major scheme, online, in-app and at the counter.→ 02In-store & POS terminalsCountertop, portable, or tap on phone with no hardware.→ 03Recurring paymentsSubscriptions and memberships, billed without friction.→ 04Local payment methodsLet people pay the way they pay at home.→ 05International merchantsBased outside the EU and selling into Europe.→ 06High-risk & hard-to-placeNew, complex, declined before. Our favourite kind.→
Not sure where to start? Start with the fee check.Send us your statement and we'll tell you what you pay, what you should pay, and whether any of the files above is worth opening.Fee check
File 07, first reading Decision: declined Reason: ownership unclear, volumes unexplained
read it again.

Two sides of the same table.

One of us decided whether applications got approved. The other found the merchants worth fighting for.

Read our story
Underwriter's Notes, no. 1

Selling into Europe from the UAE: what EU acquirers actually want to see

Structure, ownership, substance: the three questions every EU acquirer asks, and how to answer them first.

Read the note
start here

Who decides whether my business gets approved?

The payment provider, always. We make sure they see the right version of your business.

Do you handle my money?

No. We're an independent advisory, not a payment institution. You sign with the provider directly.

I've already been declined. Is it too late?

Usually not. Tell us what happened and we'll tell you honestly whether we can change the outcome.

Start at A with a conversation, or jump straight to Z with the paperwork.

Talk to us

15 minutes with one of the founders. No sales script. We'll just tell you whether we can help.

Book a call

Send us the file

Rather skip the small talk? Upload your latest processing statement and tell us what's going wrong. We'll read it the way an underwriter would.

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