Carteza
Carteza is a white-label online payment gateway that enables businesses to accept card payments globally. It targets digital merchants, SaaS companies, creative platforms, and other online services that need flexible, fast, and secure payment processing without building their own infrastructure.
The platform focuses on reliability and conversion optimization. Merchants can integrate Carteza through hosted checkout, plugins, or API, making setup quick and straightforward.
| Characteristic | Details |
|---|---|
| Regions | Global |
| Getting started | Online application via website |
| Commission per transaction | From 2.8% + fixed fee (depending on business type) |
| Payment methods accepted | Visa, Mastercard, local cards, alternative methods |
| Fraud & Risk management | Built-in antifraud tools, 3-D Secure, encryption |
| Accepted Currencies | Multi-currency support (USD, EUR, GBP, INR and others) |
| Set up type | API, hosted checkout, plugins |
| Onboarding & Approvals time | 1–5 business days |
| Recurring Billing | Supported |
| Charges on Refunds | Standard transaction fee applies |
| SDK Stacks | REST API, JavaScript SDK |
| Settlement time | 1–3 business days |
| Payouts support | Yes |
| Split payments | Available for platform models |
| RegionsGlobal | |
| Getting startedOnline application via website | |
| Commission per transactionFrom 2.8% + fixed fee (depending on business type) | |
| Payment methods acceptedVisa, Mastercard, local cards, alternative methods | |
| Fraud & Risk managementBuilt-in antifraud tools, 3-D Secure, encryption | |
| Accepted CurrenciesMulti-currency support (USD, EUR, GBP, INR and others) | |
| Set up typeAPI, hosted checkout, plugins | |
| Onboarding & Approvals time1–5 business days | |
| Recurring BillingSupported | |
| Charges on RefundsStandard transaction fee applies | |
| SDK StacksREST API, JavaScript SDK | |
| Settlement time1–3 business days | |
| Payouts supportYes | |
| Split paymentsAvailable for platform models |
Pros
- Fast onboarding and easy integration
- Global coverage with multiple currencies
- No setup or annual fees
- Strong antifraud and PCI DSS partner compliance
Cons
- No public pricing details per region
- Not yet PCI DSS certified as a company (partners are)
- Limited public reviews and transparency
- Primarily digital-only — limited offline POS support
Benefits of Using Carteza to Accept Payments and Unlock Revenue
Carteza offers a complete infrastructure for businesses to accept payments worldwide with minimal technical effort. It’s built to handle international transactions, recurring billing, and multi-currency payments under one account. For startups and digital platforms, it helps reduce time-to-market and operational costs while ensuring a consistent, conversion-optimized checkout experience. Carteza’s support team assists merchants throughout onboarding, making the launch process simple and predictable.
How to Get Started and Start Taking Payments in One Place
To start, a merchant signs up through the Carteza website and submits business verification documents. After approval, they can integrate the API, hosted checkout, or available plugins into their platform. Merchants then configure payment methods, currencies, and payout settings. Once live, the gateway begins processing card and alternative payments, with analytics and settlement tracking available in the merchant dashboard.
Carteza Payment Review: Expertise, Security, and Customer Trust
Overall, Carteza positions itself as a flexible, developer-friendly payment gateway. It’s well-suited for SaaS, creative platforms, and digital merchants who value global reach and a white-label model. However, limited public data and independent reviews make it difficult to assess its real-world performance. The gateway’s advantages lie in fast setup, transparent onboarding, and adaptability — while its main challenge remains greater market visibility and independent validation.
Secure Payment Processing and Risk Management for Merchants
There are no known major data breaches or theft incidents linked to Carteza. The company operates with PCI DSS-certified partners and applies 3-D Secure, tokenization, and real-time fraud monitoring to minimize risk. Common industry threats like chargebacks and phishing attacks are addressed through automated detection and manual review systems. As Carteza scales, continuous audits and compliance improvements are expected to strengthen security further.
Account Fees and Flexible Pricing for Every Business
Carteza doesn’t charge setup or annual fees, focusing on per-transaction commissions that vary by merchant profile and risk category. Standard rates start around 2.8% plus a small fixed fee per transaction, depending on volume and business type. Refunds typically incur the same fee as a standard transaction, while international transfers may have additional processing charges.
Best Payment Solutions for Online Commerce and SaaS Businesses
Carteza is designed for online-first companies such as SaaS, creative platforms, proxy services, fintech tools, and marketplaces. It’s ideal for small to mid-size digital businesses needing international coverage without managing multiple providers. Enterprises can also white-label Carteza’s infrastructure to offer payments under their own brand.
Payment Services for Physical and Digital Clients
The platform currently focuses on online payments and digital environments. While Carteza may offer support for physical merchants through integrations or partner terminals, it is not positioned as a primary POS or in-store payment provider. Businesses with physical outlets should consider pairing Carteza with a separate POS solution.
Connect with us
FAQ
How long does it take to activate a Carteza account?
The onboarding process typically takes between one and five business days, depending on the completeness of business verification documents. Merchants receive support during the setup phase to ensure that integration and compliance steps are clear. Once approved, the account is ready to process live transactions immediately.
What payment methods can customers use with Carteza?
Carteza supports Visa, Mastercard, and several alternative and local methods. Depending on the integration, merchants can also accept e-wallets, local cards, or bank transfers. The goal is to help businesses offer localized checkout options to improve conversion across global audiences.
How does Carteza protect merchants and customers from fraud?
The platform combines several layers of protection: 3-D Secure, encryption, tokenization, and continuous risk scoring. Suspicious activity triggers automated alerts and manual review by the antifraud team. Merchants can also adjust risk parameters to balance approval rates and security needs.
Can Carteza handle recurring or subscription payments?
Yes. Carteza supports recurring billing for subscription-based businesses. Merchants can define billing cycles, amounts, and retry logic via API or the dashboard, helping automate renewals and reduce failed payment rates.
Who should consider using Carteza?
Carteza is ideal for digital-only companies that value quick setup, flexible API integration, and access to global payments. It’s less suitable for purely offline businesses but highly effective for SaaS, creative marketplaces, and global e-commerce platforms seeking scalability and control.
