Everything you need to get paid
One contract covers acquiring, currencies, fraud protection, payouts and reporting. You integrate once — through a hosted page, a plugin or the REST API — and Target routes every payment to the acquirer most likely to approve it. Onboarding takes 2–5 business days; the sandbox is open today.
Six services under one contract
Online acquiring & payment gateway
Accept Visa, Mastercard, Apple Pay and Google Pay on your site or app through a hosted page, a drop-in widget or the REST API. Smart routing across 15+ acquirers lifts the average approval rate to 88%.
Learn moreMulti-currency processing & conversion
Charge customers in 150+ currencies and settle in 25 — EUR, USD, GBP, CHF, PLN, CZK, AED and more. Conversion at a transparent 0.5% mark-up, with the rate locked at the moment of payment.
Learn moreFraud & risk monitoring
A rules engine you control plus machine-learning scoring trained on the whole network. Velocity limits, device fingerprinting, BIN and geo rules, and chargeback alerts that arrive before the dispute is filed.
Learn moreMerchant dashboard & reports
Every transaction, refund and settlement in one place, updated in real time. Custom reports, CSV and API exports, and role-based access so finance, support and developers each see what they need.
Learn moreMass payouts & settlements
Send funds to cards, IBAN accounts and e-wallets in one batch or through the API, from €0.25 per payout. Daily, weekly or on-demand settlement of your own balance in the currency you choose.
Learn moreRecurring payments, links & invoicing
Subscriptions with trials, retries and dunning; payment links you can send in a message; invoices that get paid by card. No integration needed to start — create all three from the dashboard.
Learn moreOne platform behind every service
The six services share the same core: a PCI DSS Level 1 processing platform connected to 15+ acquiring banks and PSPs. Whatever you switch on later — a new currency, payouts, subscriptions — runs on the integration you already have.
Smart routing
Each transaction goes to the acquirer with the best approval rate for that card, country and amount. If the first bank declines, we retry through a second one before the customer sees an error.
Tokenisation
Card data never touches your servers. You store a token and charge it again for repeat orders and subscriptions — PCI DSS Level 1 on our side, the short SAQ A questionnaire on yours.
3-D Secure 2.2
Frictionless authentication for low-risk payments and a challenge only where the issuer insists. PSD2 exemptions for low-value and trusted-beneficiary transactions are applied automatically.
Webhooks
A signed event for every status change: authorised, captured, refunded, settled, chargeback opened. Deliveries are retried for 72 hours until your endpoint answers with a 200.
Multi-acquirer
15+ connected banks and PSPs behind a single contract and settlement. Add a local acquirer for a new market without changing a line of your integration or opening a new account.
99.99% uptime
Active-active infrastructure in two EU regions, no scheduled maintenance windows and a public status page. Every component is monitored around the clock by the same team that answers your tickets.
Compare plans by service
Every plan includes the payment gateway, the dashboard and 24/7 support. Business adds the tools a growing merchant needs; Enterprise is priced on interchange++ and tailored to your volume and markets.
Swipe the table sideways to compare all three plans.
| Service | Start | Business | Enterprise |
|---|---|---|---|
| Card fee, EU cards | 1.9% + €0.20 | from 1.4% + €0.20 | Interchange++ |
| Monthly fee | €0 | €99 | Individual |
| Online acquiring & payment gateway | IncludedHosted page, plugins, REST API | Included+ smart routing across 15+ acquirers | Included+ local acquirers for new markets |
| Multi-currency processing & conversion | Included150+ currencies, settlement in EUR, USD, GBP | IncludedSettlement in 25 currencies, 0.5% FX mark-up | IncludedIndividual FX terms |
| Fraud & risk monitoring | IncludedStandard rule set, 3-D Secure 2.2 | IncludedCustom rules, ML scoring, chargeback alerts | Included+ dedicated risk analyst |
| Merchant dashboard & reports | Included3 users, CSV export | IncludedUnlimited users, roles, scheduled reports | Included+ API exports, single sign-on |
| Mass payouts & settlements | —Not included | IncludedCards, IBAN, e-wallets from €0.25 per payout | IncludedIndividual payout rates |
| Recurring payments, links & invoicing | IncludedPayment links and invoices | Included+ subscriptions with retries and dunning | Included+ custom billing logic |
| Local acquiring for new markets | —Not included | on request | Included |
| Personal manager 24/7 | —Not included | Included | Included |
| Custom contract and SLA | —Not included | on request | Included |
Fees are shown for EU-issued cards; non-EU cards +1.0%. Chargeback fee €15 on every plan, currency conversion mark-up 0.5%. Full fee tables by region and card type, extra fees and the calculator are on the pricing page.
From application to first payment in about a week
Apply
Fill in the form on the contact page or write to info@target.co.uk. A manager replies within one business day with a short list of documents and a sandbox account you can use straight away.
KYC, 2–5 days
We check the company, its directors and beneficial owners, and the website or app you will sell through. Then we sign the agreement and open your merchant account in the currencies you need.
Integrate
Hosted payment page in an afternoon, a Shopify or WooCommerce plugin in an hour, a full REST API integration in one to two weeks — with test cards and our engineers on the same chat.
Go live
Swap the sandbox keys for live ones, run the first real transaction with your manager on the line and receive the first settlement on the schedule agreed in your contract.