Accept payments across Europe — built for serious merchants.
AlterFlux is a compliance-first payment platform powering e-commerce acquiring across the EEA, with a Payment Institution licence application under review by Lietuvos bankas. Fast onboarding, competitive rates, real-time monitoring, and enterprise-grade compliance built in from day one.
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[ 01 ] The infrastructure
The infrastructure serious merchants choose
European Acquiring
Accept card payments across the EEA through direct acquiring connections to Visa and Mastercard. Settle funds to your verified business account with transparent T+X schedules.
AI-Powered Compliance
Automated KYC, sanctions screening, and real-time transaction monitoring powered by enterprise RegTech. Stay clean, stay compliant — without the manual overhead.
Full Visibility Dashboard
Track every transaction, chargeback, and settlement in real time. Built-in risk scoring, merchant analytics, and automated alerts keep you in control at all times.
[ 02 ] Regulation-first
Built on trust, built for European regulation
We applied for a Payment Institution licence because compliance isn't optional — it's our product.
AlterFlux is operated by UAB AlterFlux, a company incorporated in Lithuania and in the process of being licensed as a Payment Institution by Lietuvos bankas (the Bank of Lithuania). This means we operate under the same regulatory standards as banks: segregated client funds, mandatory AML programmes, DORA-compliant infrastructure, and a full Three Lines of Defence governance model.
Accept payments from buyers in all 27 EU member states
Hosted on AWS with enterprise-grade reliability
Client funds held in ring-fenced accounts at Tier-1 credit institutions
[ 03 ] Built for
The merchants who choose AlterFlux
E-Commerce Stores
Online retailers selling physical or digital goods across Europe who need a reliable acquiring partner with competitive MDR rates and low chargeback friction.
SaaS & Subscriptions
Software companies and subscription businesses looking for stable recurring payment infrastructure with real-time webhook notifications and API-first architecture.
Marketplaces & Platforms
Multi-vendor platforms that need payment facilitation capabilities — manage sub-merchants, split settlements, and automate compliance at scale.
Cross-Border Businesses
Companies selling into multiple EU markets who want a single acquiring relationship, multi-currency support, and EEA-wide regulatory coverage.
Go live in days, not weeks
Ready to start?
Opening a merchant account with AlterFlux takes minutes. We'll review your application within 24 hours and help you go live in days, not weeks.