Every payment.
Accepted.
Everywhere.

Card acquiring, local payment methods and payouts in one gateway. One integration. One contract. One settlement.

Get in touchExplore the gateway

Built on Mastercard Payment Gateway Services (MPGS)

  • Visa
  • Mastercard
  • American Express
  • Apple Pay
  • Google Pay
  • iDEAL
  • BLIK
  • Bancontact
  • Klarna
  • PayPal
  • Pix
  • SEPA Instant
  • Open Banking
  • MB WAY
  • Przelewy24

Powered by Mastercard Gateway

Mastercard infrastructure. Keltasis service.

Keltasis runs on Mastercard Payment Gateway Services (MPGS), the gateway Mastercard operates for banks and payment providers worldwide. You get the reach and resilience of a global scheme network, with a team that knows your business by name.

  • MPGS coreEvery transaction is processed on Mastercard's gateway platform.
  • PCI DSS Level 1Card data is handled on certified Mastercard infrastructure.
  • Global acquiringConnections to acquirers and local methods across regions.
  • Built-in security3-D Secure 2, network tokens and fraud screening in the flow.

Built for approvals.
Modular by design.

A checkout that converts on every device.

Hosted checkout, drop-in components or full API. Wallets first, local methods by country, saved cards for repeat buyers.

Explore payment methods

Every second, a good payment is declined.

Most merchants never find out why.

Most declines are not fraud.

They are the wrong route, the wrong data, the wrong moment.

We find the yes before the bank says no.

We built a gateway around approvals.

The result is more revenue.

Inside a payment

Intelligence behind every payment.

Under a fifth of a second, seven decisions. Scroll to follow one payment from checkout to settlement.

  1. Card capturedHosted fields, your servers stay out of PCI scope
  2. TokenisedThe card number becomes a network token
  3. Risk scoredDevice, BIN and velocity in milliseconds
  4. Authenticated3DS2, frictionless when risk is low
  5. RoutedSent to the acquirer most likely to approve
  6. AuthorisedIssuer approves in 188 ms, illustrative
  7. SettledFunds in your account at T+1

We don't simply process payments.
We decide where they go.

Where we work

The European payments market.

Every country pays differently. We meet each one on its own terms.

United Kingdom

Cards first. Open Banking rising.

Visa and Mastercard lead, with account-to-account payments growing fast for higher tickets.

CardsApple PayOpen Banking

Germany

The market that still loves invoices.

Shoppers expect to pay later or by bank. Cards alone leave money on the table.

SEPA Direct DebitKlarnaPayPal

Netherlands

One button decides the sale.

iDEAL is how the Dutch pay online. Without it, checkout feels foreign.

iDEALCardsApple Pay

Poland

A six-digit code, not a card.

BLIK turns a banking app into the checkout. Mobile-first and instant.

BLIKPrzelewy24Cards

Spain and Portugal

Local wallets with national reach.

Bizum and MB WAY sit alongside cards, with Multibanco still trusted for larger baskets.

BizumMB WAYMultibanco

Cyprus and the Middle East

Where our team sits.

Our operations team in Limassol works across European and Gulf time zones, with cards and wallets for cross-border merchants.

CardsApple PayGoogle Pay

Built for approvals.
Engineered for scale.

94%Average card approval rate
<200msMedian authorisation time
150+Currencies supported
99.99%Gateway uptime target

Card acquiring

More yes from more banks.

Direct acquiring connections, network tokens and smart retries. Every authorisation is shaped before it leaves the gateway.

How we lift approvals
95%90%85% BaselineTokensRetriesLocalKeltasis 93.7%

Local payment methods

The right button, in every country.

Wallets, bank transfers and instant schemes, ordered by what converts best in each market.

See every method
Netherlands, iDEAL≈ 70% Poland, BLIK≈ 55% Belgium, Bancontact≈ 45% Portugal, MB WAY≈ 30%

Payouts

Money out, as fast as money in.

Pay sellers, affiliates and customers to cards and bank accounts, in their currency, from the same balance.

Explore payouts
BalanceEUR · GBP · USD SEPA Instant€ 2,400.00 · 8 s Faster Payments£ 860.50 · 12 s Push to card€ 120.00 · 30 min

Routing

See your payments differently.

Merchants on the left, acquirers and local methods on the right. Every payment finds its best path through Keltasis.

Network and figures are illustrative.Hover a node. Drag to rotate.

Case study · Subscription software

An approval rate that wouldn't move.

A SaaS company renewing 40,000 cards a month was losing renewals to soft declines it could not see.

Objective

Recover failed renewals without adding friction for loyal customers.

What happened

  1. Declines classified
  2. Network tokens enabled
  3. Retry schedule rebuilt
  4. Renewals recovered
+7.2percentage points on renewal approvals.

Case study · Fashion retail

A market that didn't exist yet.

A German retailer wanted to sell in Poland. Cards alone converted poorly at checkout.

Objective

Launch in Poland with a checkout that felt local from day one.

What happened

  1. Market mapped
  2. BLIK and Przelewy24 added
  3. PLN pricing switched on
  4. Store launched
38%of Polish revenue now paid with BLIK.

Case study · Marketplace

Sellers who waited a week to get paid.

A marketplace paid its sellers weekly by batch transfer, and lost good sellers to faster competitors.

Objective

Pay every seller within a day of each sale, in their own currency.

What happened

  1. Split settlement set up
  2. Seller KYB moved online
  3. Instant payouts enabled
  4. Payout cycle shortened
6days faster from sale to seller payout.

Case studies are illustrative examples of typical engagements.

Security, layer by layer

Every payment, wrapped five times.

Card data never travels alone. Each transaction passes through five layers of protection before it reaches the issuer.

  • Card data. Captured in hosted fields on Mastercard Gateway, never touching your servers.
  • Network token. The real card number is swapped for a scheme token.
  • 3-D Secure 2. The issuer authenticates the customer, frictionless when risk is low.
  • Risk score. Device, velocity and BIN signals scored in milliseconds.
  • Encryption. TLS in transit and encryption at rest, end to end.

For developers

Ten lines to your first payment.

A clean REST API, idempotent requests, signed webhooks and a sandbox that behaves like production. Hosted checkout, drop-in components or full server-to-server.

Explore the API 
curl https://api.keltasis.com/v1/payments \
  -H "Authorization: Bearer sk_test_..." \
  -H "Idempotency-Key: order_8841" \
  -d amount=8420 \
  -d currency=EUR \
  -d payment_method=pm_card_visa \
  -d capture=true

Reading the market.

Payments should be invisible to your customer.

And completely visible to you.

So we built a gateway that shows you everything.

Your next payment starts here.

Tell us about your business. Most merchants are live within days, not months.

Contact salesExplore the markets