Independent payment agents for online merchants. We connect your business to the right acquiring bank, PSP, or gateway from our partner network. Live in three days once your documents are verified.
Questus sits between online merchants and the international acquiring network. We hold active relationships with multiple acquiring banks, PSPs, and gateways — which lets us match each merchant to the partner most willing to underwrite their profile, at terms that reflect competition rather than monopoly.
One enquiry. Multiple routes. No lock-in.
Pick the depth of integration that matches your risk profile, processing volume, and how directly you want to hold the merchant relationship.
Your business holds the account directly at the acquiring bank. We handle the introduction and placement. Best rates, full control over chargeback handling, longest onboarding. Recommended for established businesses with clean processing history.
We route you to one of our IPSP partners. You go live under their acquiring structure — significantly faster onboarding, less paperwork, slightly higher MDR. Right for new businesses or specialized verticals.
If you already have an acquirer, we connect you to a partner gateway for 3DS2, tokenization, anti-fraud, and multi-currency. One technical integration covers the network.
Standard across our partner network. No upsells, no enterprise tier-locking.
EMV 3-D Secure 2.x for all card brands. Liability shift on authenticated transactions, frictionless flows on low-risk traffic.
Process in 100+ presentment currencies, settle in major currencies of choice. Dynamic conversion supported.
Tokenized stored credentials, scheduled charges, dunning, retry logic. Subscription and installment-friendly.
Velocity rules, BIN filtering. Pair with manual review queues for high-risk verticals.
Documented dispute workflow with our risk desk. Ethoca service available on request.
Transactions, settlements, refunds, statements, exports. Full API parity for everything in the UI.
Tell us your business model — we'll route you to the acquirer most willing to underwrite the profile, at terms that reflect competition rather than monopoly.
Most IPSP merchants are live within 72 hours of approved documents. Direct merchant accounts run longer due to bank KYC.
Submit the enquiry form. We'll get back to you within one business day to scope volume, geography, and product fit.
Corporate docs, ID for directors, processing history, business model deck. Standard MSA. We send the checklist.
Hosted payment page, server-to-server API, or e-commerce plugin. Sandbox credentials at MSA signature.
Production credentials, first settlement, dedicated risk contact. Volume bands reviewed at month-end.
Use a hosted payment page for the fastest path. Drop in a server-to-server integration for full control. Plug in via WooCommerce, Magento, or PrestaShop if you're on a supported platform.
REST API, JSON in, JSON out. Idempotency keys, webhook signatures, sandbox credentials at signing.
{
"id": "ch_3PqM2x9Lk2sR4Tb1",
"status": "succeeded",
"amount": 4999,
"currency": "USD",
"captured": true,
"network": "visa",
"three_d_secure": "authenticated"
}Final pricing reflects vertical risk, processing history, expected volume, and chargeback profile. The bands below cover most accepted profiles.
Payout terms depend on the merchant's risk level. Typically one week in arrears. Reserves may apply to first-time merchants and high-risk verticals.
Submit the enquiry form below or reach out directly. Most replies within 24 hours, Singapore business days.