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Nuvei
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Canada bank transfer
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Nuvei
nuvei.com/solutions/
canada-bank-transfer
Unlock seamless financial transactions with Interac and Instant Bank Transfer. Enjoy rapid, secure payments anytime, anywhere.
Simplify, accelerate, and secure your payments with the power of Canada Bank Transfer
Enjoy effortless and rapid transactions online or via phone, with instant payment options for quick fund movement. With robust security and customizable fraud prevention, our reliable solutions offer comprehensive, transparent reporting for your convenience.
Simple, flexible online bank payments
Supercharge your business by easily integrating Interac into your payment system. Experience lightning-fast payments through direct account-to-account transfers.
Join forces with the robust interbank network of Canadian financial institutions, processing billions of transactions annually.
- A fast and secure way to transfer money between private and business accounts
- Interac solutions seamlessly power transactions across the nation's leading financial institutions and are universally accepted at over half a million locations
- Move funds quickly with faster and instant payment options
- Cost-effective alternative to credit cards
- Unify features through a single integration
Your ultimate instant bank transfer solution
Discover Instant Bank Transfer (IBT), your ultimate solution for secure and seamless payment verification in Canada.
IBT streamlines deposit and withdrawal processes while ensuring top-notch identity verification. Trust in IBT's cutting-edge risk management technology to safeguard your transactions and provide a hassle-free experience.
- Boost conversion with a fast, secure mobile experience
- Seamless user experience with Xpress 1-click payments
- Easy and fast deposits for ultimate convenience
- Enjoy higher transaction limits, up to $100,000
- Cutting-edge risk management for enhanced security
Frictionless flows and instant payments
Customers and businesses can make and receive payments instantly, in a matter of seconds.
Benefit from enhanced conversion rates, an improved user path offering a smooth, and mobile-centric customer journey.
- Instant payments for customers and businesses in seconds
- Enhanced conversion rates with a smooth mobile user journey
- Lower payment processing costs by bypassing card network charges
UK bank transfer
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Nuvei
nuvei.com/solutions/
uk-bank-transfer
Unlock seamless financial transactions with Faster Payments and Pay with Bank Transfer. Enjoy rapid, secure payments anytime, anywhere.
Simplify, accelerate, and secure your payments with the power of UK Bank Transfer
Enjoy effortless and rapid transactions online or via phone, with instant payment options for quick fund movement. With robust security and customizable fraud prevention, our reliable solutions offer comprehensive, transparent reporting for your convenience.
Simple, flexible online bank payments
Experience instant money transfers, bypass card network limitations, and harness the power of trusted banking connections.
Save time and money with processing through the Faster Payments network while offering a reliable and affordable alternative to credit cards.
- Swift and secure transactions between UK bank accounts
- 24/7 accessibility for uninterrupted financial transactions
- Real-time money transfers for a delay-free payment experience
- Enjoy the convenience of a generous £1,000,000 per transaction limit
- Cost-effective alternative to credit cards
- Unify features through a single integration
Secure, direct bank payments for effortless transactions
Enjoy secure, hassle-free payments directly from your bank account with Pay with Bank transfer, powered by American Express but accessible to all.
- Boost conversion with a fast, secure mobile experience
- Enhanced security with bank authentication, no shared payment details
- Broadly accepted, not limited to AMEX, for UK bank users
- Low-cost, simple fee structure with easy reconciliation
Frictionless flows and instant payments
Customers and businesses can make and receive payments instantly, in a matter of seconds.
Benefit from enhanced conversion rates, an improved user path offering a smooth, and mobile-centric customer journey.
- Instant payments for customers and businesses in seconds
- Enhanced conversion rates with a smooth mobile user journey
- Lower payment processing costs by bypassing card network charges
EU bank transfer
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Nuvei
nuvei.com/solutions/
eu-bank-transfer
Unlock seamless financial transactions with SEPA and SEPA Instant Credit Transfer. Enjoy rapid, secure payments anytime, anywhere.
Simplify, accelerate, and secure your payments with EU Bank Transfer
Enjoy effortless and rapid transactions online or via phone, with instant payment options for quick fund movement. With robust security and customizable fraud prevention, our reliable solutions offer comprehensive, transparent reporting for your convenience.
Fast, reliable online bank payments
SEPA (Single Euro Payments Area) transforms E.U. cashless transactions, offering rapid euro transfers, 24/7, and near-instant processing for all participants.
With a single integration, supercharge your operations, fulfill orders faster, and boost cash flow with lightning-fast, real-time payments. Providing customers with unparalleled convenience, no matter where they are.
- Instant payments are the closest substitute to cash: the transfer of money is immediate
- 24/7/365 accessibility for uninterrupted financial transactions
- Real-time money transfers for a delay-free payment experience
- Reduce payment processing costs by cutting out fees from card schemes
- Enjoy higher transaction limits, up to €100,000
Bypass card network limits for maximum payment flexibility
Customers and businesses can make and receive payments in a matter of seconds using their trusted bank relationships.
Enhanced conversion rates, an improved user path offering a smooth, mobile-centric customer journey. Decreased payment processing expenses by eliminating charges associated with card networks.
- Consumers and merchants can pay and get paid instantly, within seconds
- Higher conversion rates, a better user journey providing a seamless, customer experience
- Reduce payment processing costs by cutting out fees from card schemes
- Customer authentication and zero chargeback guarantee
Safeguard your business with highly secure bank transfers
Protect your customers' data and prevent fraud. Say goodbye to chargebacks with our guaranteed solution.
- Consumers and merchants can pay and get paid instantly, within seconds
- Chargeback guarantee solution available
- Conveniently access comprehensive, consolidated reporting
U.S. bank transfer
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Nuvei
nuvei.com/solutions/
us-bank-transfer
Discover Nuvei's U.S. Bank Transfer services for seamless, rapid, and secure payments. Leverage ACH, RTP, and FedNow networks for flexible money transfers.
Simplify, accelerate, and secure your payments with U.S. Bank Transfer
Enjoy effortless transactions, instant payment options, and transparent reporting. Protect your business with our Assured Funds guarantee.
Simple, flexible ACH payments
Empower your customers with a cost-effective, convenient payment solution. Debit funds directly from bank accounts for single or repeat transactions.
Save time and money with processing via Automated Clearing House (ACH), Real-time Payments (RTP®), and FedNow.
- Simplify payments for clients with a seamless checkout
- Streamline banking information entry - no physical card is needed
- Secure digital enrollment for swift, authenticated payments
- Process one-time or recurring transactions effortlessly
- Economical alternative to credit and debit cards
Protection for your business, guaranteed
Mitigate payment risks effectively with Nuvei's Assured Funds, an insurance solution designed to protect businesses from potential losses caused by unauthorized, returned payments.
Assured Essential
Ensures protection against unpaid transactions and fraud. We assume the risk and handle collections, letting you focus on business.
Assured Complete
Guarantees funds on all returns, including unauthorized returns. Rapid merchant funding accelerates settlement and payment.
Instantly validate accounts for secure, timely payments
Prevent fraud and reduce returns with smart approval logic. We offer three validation levels for your unique business needs.
Basic
Enhanced security, real-time validation, and commercially reasonable bank account validation.
Enhanced
Powerful add-on that offers a deeper level of validation and greater fraud prevention.
Premier
Reduces administrative and NSF returns by providing the latest status of customer bank accounts.
Process paper checks electronically
Check 21+ is a cutting-edge payment solution that allows merchants to process paper checks electronically.
With this innovative technology, merchants can say goodbye to time-consuming trips to the bank and hello to faster, safer processing.
- Enjoy higher checks limits and fewer limitations
- Avoid ACH restrictions
- Eliminate risk with guaranteed protection
- Accept checks in person, by mail, or at a drop box location
- Retrieve payments quickly with electronic deposits
Issuing
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Nuvei
nuvei.com/solutions/
issuing
Discover Nuvei's seamless issuing payment solutions, including customizable physical and virtual cards, unified acquiring and issuing, and data-driven insights.
Small changes, significant impact
Just like a finely tuned race car, every marginal improvement in your payment processes can lead to big growth. Maximize your approval rates and revenue with Nuvei's issuing solution.
Turbocharge your brand
Elevate your brand with Nuvei’s customizable physical cards.
Put your brand in your customers’ wallets and give them ability to pay with your card for their day-to-day expenses.
- Tailor cards and wallets to reflect your brand's identity, including logo and colors
- Enable seamless and secure transactions across online, in-store, and in-app purchases
- Create a consistent and convenient customer experience for repeat customers
- Also available—a high-end metal card with premium finish, elegance, and durability
Accelerate your transactions with virtual cards
Streamline vendor, consumer, and business payments with versatile virtual cards that cut costs and accelerate transactions.
Unify card issuing, acquiring, and settlement accounts on one seamless platform.
- Easily generate single-use or multi-use virtual cards tailored to your needs, providing flexibility and control
- Effortlessly manage single or batch card formats to scale your operations efficiently
- Utilize our APIs for full automation and seamless integration of your card-issuing processes
- Offer compatibility with Apple Pay and Google Pay wallets for seamless everyday use
Fuel your growth with precision
Maximize your revenue and make informed business decisions with Nuvei's data-driven insights.
Nuvei’s powerful reporting technology allows you to see holistic payments data and detailed transaction information—all on a single platform.
- Take advantage of shared interchange opportunities to boost your revenue
- Gain valuable, actionable insights from your issuing and acquiring operations to make informed business decisions
- Access API-driven reporting to power custom dashboards and real-time insights
- Navigate complex data to act upon critical business insights
Gain the winning edge with industry-specific payment solutions
Propel your business to the front of the pack with Nuvei's custom tailored payments.
Our issuing solution enables you to benefit from simpler, faster customer payouts, innovative accounts payable features, and streamlined B2B travel.
- Disburse funds, such as winnings, to white-labeled physical or virtual cards, enhancing loyalty and engagement
- Enable online travel agents to generate virtual cards for paying airlines and hotels, simplifying transactions
- Streamline iGaming payouts and digital asset transactions, ensuring speed, security, and global reach
- Generate virtual cards to pay suppliers, simplifying complex payment ecosystems and reducing fraud
Unlock new possibilities with API-powered payment solutions
Connect and customize with ease through Nuvei’s flexible API suite.
Get instant and insightful control over reporting, security, and global reach.
- Automate accounting with leading platforms to reduce manual work
- Set limits and rules for teams and sub-teams in real time
- Connect to major blockchain networks for seamless digital asset payments
- Accept payments anywhere Visa is supported worldwide
- Strengthen protection with the Arculus Card combining credentials, wallet storage, and authentication
Real-time payments
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Nuvei
nuvei.com/solutions/
real-time-payments
Boost your business with Nuvei's real-time payments. Experience seamless, instant transaction processing to enhance cash flow and stay compliant with secure payment solutions.
Elevate your business offering with faster, more secure pay-ins and payouts
Enjoy quick, effortless transactions online or by phone, backed by our customizable fraud prevention and assured funds guarantee. Benefit from clear, detailed reporting for complete transparency.
Lightning-fast funds without delay
Why wait? Experience lightning-fast fund transfers with our instant payment solutions. Streamline your financial operations with ease and speed and delight your customers.
- Move funds quickly with faster and instant payment solutions
- Instantly validate accounts and ensure timely, effective payments
- Added flexibility to meet your fast-paced business needs
- Setup can be done quickly and easily to ensure rapid compliance
- Full integration support so that you can rest easy
Leverage real-time global payments
Harness the power of instant, real-time payments with our global network of providers. Our expansive reach offers unparalleled bank and country coverage, keeping you at the forefront of the financial world.
Boost your revenue and provide exceptional convenience to customers worldwide, facilitating growth at the speed of now.
- Bank Transfers: Real-time Payments (RTP®) and FedNow in the US, SEPA Instant in the EU, Faster Payments and Amex’s Pay with Bank Transfer in the UK, plus Interac® Instant for Canadian transactions
- Visa Direct & Mastercard Send: offering instant payment capabilities with secure money transfers, across various global banks and payment networks
- EWallets: including PayPal, Neteller, Skrill, Pay4Fun, EcoPayz, Much Better, and more for virtually instant payments and minimal processing fees
- Stablecoin Money Movement: blockchain-powered cross-border payouts that deliver faster settlement, lower FX costs in emerging markets, and full fund transparency, enabling local-in, local-out transfers without crypto exposure
Provide a seamless customer checkout experience
Embrace a world where intricate transaction processes are replaced by a streamlined, intuitive experience.
This shift promises not only higher conversion rates but also reduced processing costs, and a fortified security environment.
- Efficient and secure, balancing protection and ease of use
- Integrated simplicity, to make every checkout seamless
- Extensive network access connects you to a wide array of banks and financial institutions
- Frictionless bank login and payment process for faster transactions
- Fast and dependable, transfer funds with remarkable speed and reliability
Bank transfers
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Nuvei
nuvei.com/solutions/
bank-transfers
Experience cost-efficient, reliable, and fast bank transfers with Nuvei. Streamline your payment processing, elevate customer satisfaction, and boost conversion rates globally.
Gain a competitive edge with faster payments and settlement, flexibility and security
Meet the fast-paced needs of your organization with our rapid and instant payment options that pave the way for growth. Our Open Banking Technology and vast global partnerships offer a competitive edge. Every major market and network, all through a single integration.
Provide a seamless customer experience
Our bank transfer solutions give your customers the advantage of paying with their banking information, all within your regular checkout experience.
Say goodbye to confusing transaction flows and hello to higher conversion rates, lower processing costs, and enhanced security.
- Simple, secure and flexible solution
- Single integration into your checkout experience
- Access to the major banks and financial institutions
- Frictionless, seamless bank login and payment
- Funds transfer is quick and reliable
Enhance consumer choice and convenience
Our bank transfer solutions are designed with your customers' preferences in mind, offering them a broader range of payment options that cater to their diverse needs.
This not only simplifies transactions but also broadens your appeal to a wider audience, including those who prefer not to use credit cards or seek alternatives to traditional payment methods.
- Enable customer bank choice at checkout
- No additional sign-ups to deter purchases
- Real-time options for faster payments
- Guaranteed and non-guaranteed models
- Support for all major customer banks
Secure your payments with unmatched protection
Step into a realm of unparalleled security with our zero chargeback solutions, designed to safeguard your business against fraud while securing your customers' sensitive data.
Our guaranteed solution assures that once a payment is made, it cannot be reversed by the payer. Unlike credit card payments which can be disputed by the cardholder, we make chargebacks a thing of the past.
- Peace of mind built into every transaction
- Historical checks and intelligent approval system minimizes potential returns
- Customizable security measures for fraud prevention tailored to your needs
- Comprehensive, consolidated reporting, crafted for your ease
Reduce customer costs to increase profits and loyalty
Offer your customers a seamless payment experience while enjoying the benefits of lower processing fees compared to traditional credit card transactions.
This cost-effective solution not only makes payments more affordable but also enhances operational efficiency, allowing you to invest more in growing your business.
- Lower per-transaction processing fees
- Minimal chargeback fees and risks
- Reduced interchange and network fees
- Direct bank-to-bank transaction savings
- Quicker access to your revenue
Unlock growth with our global banking network
Get unmatched country and bank coverage with our extensive network of global providers. Stay ahead of the curve and expand your revenue streams. Delight your customers with unparalleled convenience no matter where they are.
U.S. Bank Transfer
Automated Clearing House (ACH), Real-time Payments (RTP®), FedNow
EU Bank Transfer
SEPA, SEPA Instant
UK Bank Transfer
Faster Payments, Pay with Bank Transfer
Canada Bank Transfer
Interac®
Reconciliation management
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Nuvei
nuvei.com/solutions/
reconciliation-management
Streamline your financial processes with Nuvei's Reconciliation Management. Automate and manage payment reconciliation effortlessly for improved accuracy and efficiency.
Automated and streamlined
With a streamlined process, everything is faster, more accurate and less expensive to manage.
Automated and streamlined transaction management
Automatically match and reconcile your payments across multiple service providers and data sources. We can connect, integrate and monitor any new method.
With a streamlined process, everything is faster, more accurate and less expensive to manage.
- Save revenue that would otherwise be lost to mismatches, reconciliation errors and incorrect fees
- Get a clear overview of your finances and ensure that your revenue is exactly where it should be
- All credit cards and over 700 alternative payment methods are supported
Totally managed solution to save time and money
Nuvei Reconciliation Manager+ takes care of the entire process all the way from implementation to updates, and reporting.
Save more time, reduce customer support tickets, spot technical issues and save more money.
- Set up taken care of by a dedicated Account Manager
- Eliminate complexity and bookkeeping errors
- Recover lost revenue easier than ever
- Control processing fees across providers
Payment orchestration
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Nuvei
nuvei.com/solutions/
payment-orchestration
Master your payment operations with Nuvei's Payment Orchestration. Streamline and manage complex payment flows with our comprehensive tools for maximum control and insight.
Achieve best-in-class performance through one dashboard
Control and manage the entire payment process for optimal performance, sales and revenue.
Simple-to-use orchestration hub
Optimize and control your payment experience through the Control Panel of the Payment Orchestration hub.
Manage settings that can boost acceptance rates, increase security and reduce declines or capture more revenue.
- Configure, manage and personalize routing parameters
- Manage online exemptions to maximize authorizations and optimize approval rates
- Set limits and manage authentication to increase conversions and eliminate fraud
- Set custom rules fueled with business insights to ensure maximum conversions
- Risk analysis allows for strategic adjustments and personalization to stop chargebacks
Maximize acceptance rates
Boost your transaction approval and authorization rates by managing online exemption submissions.
More detailed data points mean more authorizations, better security, and a personalized, seamless experience for your customers.
- Descope PSD2 compliance
- Prevent fraud
- Manage risk
Rescue revenue from declined transactions
Convert more payments by avoiding declined transactions. From one dashboard, you can set and manage data-driven rules.
Advanced analytics power innovative transaction routing.
- Set custom rules based on your business insights for when payments are declined
- Maximize conversion for hosted check out
- Control and reporting from one central dashboard
Multi-faceted protection
Nuvei chargeback management tools can prevent and eliminate potential chargebacks before they happen - and mitigate the damage of those that do.
- Dynamic 3D Secure
- 3DS exemption management
- Verifi Rapid Dispute Resolution (Visa)
- Ethoca (Mastercard)
- Chargeback representment service
Understandable and actionable data
Keep on top of business performance with a crystal-clear view of your payments data across all channels.
- Totally transparent view and dynamic reporting of your payments data
- Spot actional insights amongst large volumes of complex data
- Understandable analytics, including traffic optimization for higher approval rates and revenues
- Block fraudulent transactions with enhanced verification flow
Live your best business life
Sometimes all you need is a nudge in the right direction. Business Coach is there to highlight when you could be achieving higher sales or customer engagement.
Business Coach offers actionable tips and key business metrics to help grow your business.
- Accelerate engagement with client segments that drive higher revenue
- Analyze your performance from a single dashboard that showcases your reviews and social media ratings
- React quickly to social media reviews by receiving instant alerts
- Turn new clients into repeat visitors
Crypto & digital assets
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Nuvei
nuvei.com/solutions/
crypto-digital-assets
Streamline your Web3 business with Nuvei's painless fiat-crypto conversion. Partner with us for seamless blockchain payment technologies and infrastructure to drive your crypto success.
Your route to mainstream success
Offering an unmatched range of services, we empower hundreds of partners to enable millions of people to buy billions of dollars in digital assets. We are the leading payment partner of over 450 leading exchanges, wallets, brokers, coins, NFT platforms and blockchain games.
A turnkey crypto experience
Nuvei's fiat on-ramp and off-ramp provides a smooth experience for converting between fiat and cryptocurrencies. Accessible to both those with no blockchain experience and on-chain gaming experts through a single API.
Join hundreds of global businesses and discover the power of fiat-crypto conversion on demand delivered by fully licensed, publicly listed provider.
- Enables Web2-style onboarding for Web3
- Wide payment options globally and locally
- 350+ partners: exchanges, wallets, brokers, and coins
- 3.5+ million end users, $4B+ in processed payments
- 100+ fiat currencies and 200+ cryptocurrencies
- Issuer of co-branded Visa for unified crypto transactions
Experience the power of stablecoin payments
Stablecoins are becoming a true alternative form of payment to offer to merchants on top of more traditional payment methods.
We enable real-time stablecoin transactions, easy conversion between fiat and stablecoins, and comprehensive settlement services tailored to meet your needs.
- Supports all stablecoins, including merchant-minted ones
- Nuvei connects to USDC on 14 blockchains
- Stablecoins bring stability to remittances
- 24/7 stablecoin settlements across blockchains
- Stablecoins lower costs, improve supply chain cash flow
- On-chain settlements reduce business operational costs
Take your blockchain project mainstream
One partnership for all your crypto business needs. Enable your blockchain assets for seamless onramps with 100+ fiat currencies, globally.
- Support for multiple blockchains and tokens adds flexibility
- Easy coin/token purchases with 100+ fiat currencies
- Grow your brand equity with our large partner network of leading exchanges, wallets and platforms
- Expand into new markets with global payment coverage
Easy and secure crypto payments
Accelerate transactions and enhance data accuracy, plus boost customer loyalty through our innovative crypto payment options. Experience the confidence of partnering with a provider that goes beyond fraud prevention to offer full-scale payment processing support.
Cryptocurrency payments broaden market access and lower costs by eliminating intermediaries, offering global reach with minimal transaction fees.
- Access new markets and facilitate global financial access
- Guaranteed zero fraud and no risk of chargebacks
- Reduce costs and simplify management compared with card payments
- Increase transaction speed and reduce security risks
- Boosts customer loyalty and trust through safe payments
- Instant access to funds with crypto, no middlemen
The future of paying for digital entertainment
Crypto is transforming gaming, offering significant advantages. Larger transaction limits, quicker payouts, and enhanced security minimize the need to share banking information.
With lower fees and global fund access, cryptocurrencies offer convenience and signals innovation. Additionally, players can receive bonuses as incentives for using crypto, enriching their gaming experience.
- Near real-time crypto transactions improve cash flow
- Crypto operations have less overhead
- Nominal blockchain fees vs. card fees
- Enhanced security with less data liability
- Growing customer demand for crypto support
- Access to new, unbanked legal markets
Empowering your journey into Web 3.0 and the Metaverse
Nuvei leads the move to Web 3.0, making your blockchain and Metaverse projects successful. With top partnerships and tools, we help you stand out.
Our approach gives users full control over their digital assets and privacy, boosting confidence in digital exploration.
- Multiple integration options
- Highly customizable UI and dynamic UX
- Supports several blockchain protocols: Ethereum, Polkadot, or Binance Smart Chain
- Smooth UX overcomes Web3 barriers like high fees and slow transactions
- Tailors experiences to user preferences
- Enhanced security, transparency and less central authority
Banking services
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Nuvei
nuvei.com/solutions/
banking-services
Elevate the buying experience with Nuvei's embedded financial services. Discover seamless integration today and transform your revenue streams.
Exceed expectations and grow stickiness
Keep customers within your ecosystem by adding financial services into your payment mix. Offer bank deposits and payouts, as well as cards and financing. Make it easier for customers to buy more, more often.
Fast, reliable and secure digital banking
Expand your global reach and optimize transactions with Nuvei Business Accounts. Deliver real-time funds access, lower fees, and seamless integration to enhance efficiency and financial control.
Streamline your financial operations with Nuvei as your single partner for acquiring, issuing, and banking services.
- Multi-currency accounts with European IBANs for EUR, GBP, and over 20 other currencies
- Instantly receive funds for faster working capital, and efficiently manage settlements with potentially lower costs
- Secure customer funds with dedicated solutions for VASPs and financial firms
- Flexible pay-ins and payouts via SEPA, SWIFT, open banking, and blockchain-based BMM processing
Turbo-charge your brand
Elevate your brand and streamline payments with Nuvei’s customizable physical and virtual cards, offering seamless and secure transactions across all channels.
We take care of all the back-office complications including card scheme approval, global regulatory compliance, technical setup and card manufacturing.
- Tailor physical and virtual cards to promote your brand identity
- Easily manage single-use or multi-use cards through one platform
- Automate secure transactions for online, in-store, and in-app purchases
- Manage vendor payments and scale operations cost-effectively with flexible card formats
Finance your business goals: no bank required
Your business moves fast. Make sure your financing can, too.
Access funds quickly to achieve your goals and seize more opportunities. No banks or red tape involved.
- Up to $1 million per business location
- Receive funds in under a week upon approval
- Pre-qualify in just 3 minutes
- No collateral required
- Flexible repayment options
Maximize revenue with consumer credit options
Grow your business with industry-leading buy now, pay later options. Get paid upfront while offering customers flexible payment terms.
Make it easier for your customers to get what they need right now. Best of all, it's integrated seamlessly into the checkout experience.
- Offer flexible installment plans for your customers
- Give consumers the freedom to pay at their own pace
- Increase customer conversions by offering more payment options
Chargeback resolution
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Nuvei
nuvei.com/solutions/
chargeback-resolution
Mitigate chargeback risks with Nuvei's effective resolution services. Streamline dispute processes, reduce fraudulent claims, and protect your revenue with our advanced tools.
Protection every step of the way
Prevent the majority of would-be chargebacks before they materialize. Transactions are protected with pre-chargeback mitigation, smart fraud-screening, alerts and communications.
Detect, control, and mitigate chargebacks
Reduce the costs of disputes and chargebacks with Nuvei Chargeback Resolve. Every chargeback actioned is centralized and managed through Nuvei’s Control Panel. The whole process maximizes transparency and efficiency.
- Prevention - alerts and enhanced communication minimizes unnecessary disputes
- Reduce operational costs - management chargebacks through one centralized dashboard
- Preserve your reputation - avoid chargeback monitoring programs and additional fees associated with a high-risk label
Additional tools from Visa & Mastercard
Control disputes or chargebacks quickly and easily with integrated solutions from Visa and Mastercard.
- Verifi Rapid Dispute Resolution® (Visa) - avoid chargebacks by issuing refunds and charging Nuvei directly with no clearing process
- Ethoca® (Mastercard) - gives merchants 24 hours to review, respond and action chargebacks
Currency management
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Nuvei
nuvei.com/solutions/
currency-management
Facilitate global commerce with Nuvei's Currency Management. Simplify FX transactions, enhance payment flexibility, and offer customers native currency options for improved satisfaction.
Make the world your local marketplace
Whether your customers want to do business with you online or in-store, we make it easier to do business with and encourage return visits.
Price your goods and services in the world’s most popular currencies
According to Insider Intelligence’s Global eCommerce report, 92% of customers prefer to buy from sites that price items in their local currency.
Make buying simple and frictionless for customers while receiving settlement and reporting in your domestic currency.
- Expand your business into new territories
- Enhance existing customer relationships
- Zero investment or infrastructure changes
Earn additional revenue from FX markup and attract more international customers
By offering customers pricing in their domestic currency, you can make card purchasing transparent and trustworthy while earning a percentage commission.
- Attract more international customers
- Protect cardholders against currency fluctuations
- Available both online and in-store
Fraud & risk management
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Nuvei
nuvei.com/solutions/
fraud-risk-management
Protect your business with Nuvei's Fraud & Risk Management solutions. Minimize threats and secure data while maintaining a smooth customer experience.
Protecting your business is critical
From advanced fraud detection to industrial grade tokenization and KYC, Nuvei protects you and your customers.
Reduce payment fraud and chargebacks with Nuvei Shields Up
Transaction data is our greatest weapon in the fight against fraud. Crush false positives with a powerful set of customizable tools without compromising customer experience.
- Set 200+ unique rules for your industry and market
- Increase conversion rates and reduce fraud with Smart 3DS Routing
- Automated decisioning using IP geo location and AVS / CVV rules
- Chargeback dispute tool for efficient case creation and management
- Smart Routing and Dynamic Descriptor to minimize potential chargebacks
Encrypt and access customer data for secure, frictionless payments
Replacing sensitive data with a secure token means faster and more secure payments that can help create a better customer experience.
Through a combination of our agnostic and network tokenization features, we offer one of the most flexible and complete solutions in the market.
- Encrypt and store customer payment information to make the checkout experience secure and frictionless
- Tokens are dynamically updated to deliver higher authorization rates, simplified fraud management, and an improved customer experience
- Payment methods are updated in real-time so cardholder credentials stay current even if a physical card is locked due to fraud
- Provides a better customer experience with fewer false declines due to outdated information
Ensure your security and compliance
We recognize the need for the highest security available to protect you and your customers. In compliance with PCI Data Security Standards, we have met and surpassed all requirements set forth as a Level 1 Service Provider.
Our technology and expert staff can help you reduce risk, chargebacks and simplify PCI DSS compliance.
- Mitigate threats before they become an issue
- Reduce effort and cost for Payment Card Industry (PCI) compliance
- Access solutions to descope your PCI DSS requirements
Authorization optimization
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Nuvei
nuvei.com/solutions/
authorization-optimization
Optimize payment authorizations across every channel. Boost your approval rates by up to 5 points, reduce declines, and recover revenue with intelligent routing and retry.
Smarter payments mean higher approvals
Nuvei Optimize is your always‑on optimization engine. It quietly improves your conversions, reduces declines and recovers revenue at every stage of the transaction journey. Activate only the modules that match your strategy—so you’re always getting smarter, more efficient payments.
Remove unnecessary friction without compromising compliance
By optimizing your authentication strategy up front, you can balance security with speed, especially in markets with evolving regulations. Smarter authentication means your customers sail through checkout while you keep regulators and issuers happy.
- 3D Secure optimization: support for global and local 3DS schemes keeps your customers’ experience smooth
- Exemptions management: smart logic applies exemptions where they make sense, so your genuine customers aren’t burdened by unnecessary steps
- Soft decline handling: automatically initiates the 3DS flow when issuers require authentication, giving you another chance to convert
Send transactions through the rails that work hardest for you
Get the most out of every payment with intelligent routing that matches transactions to the best‑performing bank, network or local scheme. It’s orchestration that does the hard work for you, so you see more approvals without lifting a finger.
- Direct scheme connections: enjoy more control and faster decisions by connecting directly to card networks
- Local scheme routing: route transactions through local rails like Debit Routing (US), Cartes Bancaires (FR) or Bancontact (BE) to increase acceptance in local markets
- Bank routing: dynamic logic based on card type, region and performance data ensures every transaction takes the most effective path
Make the moment of truth work harder for you
This is where approvals happen—or don’t. You maximize success by making transactions cleaner, more complete and easier for issuers to approve. When every detail counts, you’ll benefit from precision and smart enrichment.
- Partial approval: capture what’s available so you never lose the sale
- Account updater: keep card‑on‑file credentials fresh automatically, minimizing declines due to outdated details
Recover revenue with smarter retries
Not every payment goes through the first time. With Nuvei Optimize, failed transactions don’t mean failed revenue. Retry tools quietly re‑attempt declined payments, switch banks or offer a fallback method—all without disrupting your customer’s experience.
- Auth messaging: adjust how a retry is presented to increase issuer acceptance
- CVV reattempts: give soft-declined payments a second chance by re-validating credentials
- Bank cascading: instantly try a backup bank for better recovery
- Payment recovery: offer the customer an alternative method to complete the purchase
Full visibility. Real-time impact
Stay in control of your performance with the data, tools and expert support needed to keep things moving forward—even as the payment landscape evolves. Real‑time insights and hands‑on guidance help you make data-driven decisions, quickly.
- Real-time insights: see what’s working and what isn’t so you can act immediately
- Conversion analysts: hands‑on experts helping you launch and optimize your payment flows for peak performance
- Collaborative issuer relations: benefit from direct relationships with issuers to improve logic and deliver better outcomes for your business
Nuvei Becomes Direct Local Acquirer in Canada
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Canada Day 2025 announcement highlights expanded local capabilities and Nuvei’s global direct acquiring strategy
Canada Day 2025 announcement highlights expanded local capabilities and Nuvei’s global direct acquiring strategy
MONTREAL,Canada – June 30, 2025– In celebration of Canada Day tomorrow, Nuvei, the Canadian Fintech,today announced that it is now live as a direct payment acquirer in Canada. This launch empowers Canadian businesses to process domestic transactions locally through Nuvei, eliminating the need for third-party processors and enabling significantly higher payment approval rates.
By processing transactions directly through Nuvei,merchants can now capture more sales, reduce lost transactions, and deliver a smoother experience to customers.
This milestone further advances Nuvei’s global strategy to establish direct acquiring capabilities in every major market, reinforcing its commitment to building local infrastructure that supports its vision of enabling payments everywhere.
With this announcement, Nuvei provides Canadian Businesses:
- Significantly higher approval rates through local processing and intelligent routing
- Reduced payment complexity by eliminating intermediaries
- Support for major card brands and real-time payout options
- Access to over 700 alternative payment methods and 150 currencies for international growth
- Unified reporting, easier reconciliation, and improved interchange cost prediction through a single global platform
- Enhanced omnichannel capabilities to serve customers seamlessly across in-store and online environments
- Increased conversions and better overall payment performance
“Becoming a direct acquirer in Canada reflects our strategy to build direct acquiring capabilities in every major market,” said Phil Fayer, Chair and CEO of Nuvei. “There is no better place to showcase this than Canada, where our journey began. By combining local acquiring with our global platform, we help merchants achieve higher approval rates, better conversions, and more predictable interchange costs. Alongside powerful omnichannel capabilities and simplifiedreconciliation, we’re giving businesses around the world the infrastructurethey need to grow faster and compete globally.”
This announcement supports Nuvei’s broader global strategy to help businesses simplify and scale payments in any market through a single platform that unifies acceptance, optimization,risk, and payouts. Canadian merchants now benefit from the same infrastructure-first approach trusted by many of Nuvei’s largest global clients across retail, digital goods, gaming, financial services, and marketplaces.
AboutNuvei
Nuvei is accelerating the business of clients around the world. Nuvei’s modular, flexible and scalable technology allows leading companies to accept next-gen payments, offer all payout options and benefit from card issuing, banking, risk and fraud management services. Connecting businesses to their customers in more than 200 markets,with local acquiring in 50 markets, 150 currencies and 720 alternative payment methods, Nuvei provides the technology and insights for customers and partners to succeed locally and globally with one integration.
For more information, visit www.nuvei.com
Contact:
Public Relations
alex.hammond@nuvei.com
Nuvei Approved to Provide Payment Processing Services to Sports Wagering Operators in Louisiana
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nuvei-approved-to-provide-payment-processing-services-to-sports-wagering-operators-in-louisiana
Nuvei’s approval ensures that it can provide online gaming operators in Louisiana with its innovative payment technology and industry expertise
Nuvei’s approval ensures that it can provide online gaming operators in Louisiana with its innovative payment technology and industry expertise
MONTREAL AND BATON ROUGE, LA, November 29, 2021 — Nuvei Corporation (“Nuvei” or the “Company”) (Nasdaq: NVEI) (TSX: NVEI), the global payment technology partner of thriving brands, has announced that its wholly-owned subsidiary has been granted permission to provide payment processing services to daily fantasy sports and sports wagering operators in Louisiana. The approval by the Louisiana Gaming Control Board enables the Company to support online sports betting across the state.
The Louisiana sports betting industry is expected to attract more than $200 million in operator revenue and over $2.5 billion in annual sports wagers(1). Louisiana’s first four commercial retail sportsbooks started operating on October 31 and November 1, 2021. While online sports betting is anticipated to go live by January 1, 2022, consumers currently have access to pre-launch offers from online sportsbooks.
Nuvei’s approval ensures that it can provide online gaming operators in Louisiana with its innovative payment technology and industry expertise, allowing them to accept more payment types and optimize transactions to drive additional revenue streams. Currently, the Company can offer its services to operators in 17 states where online wagering has been legalized, as it continues to expand its footprint across the U.S. Notable industry clients include Carousel Group, 888 and SI Sportsbook, PrizePicks, Triplebet/Matchbet, and BetMGM.
About Nuvei
We are Nuvei (Nasdaq: NVEI) (TSX: NVEI) the global payment technology partner of thriving brands. We provide the intelligence and technology businesses need to succeed locally and globally, through one integration – propelling them further, faster. Uniting payment technology and consulting, we help businesses remove payment barriers, optimize operating costs and increase acceptance rates. Our proprietary platform provides seamless pay-in and payout capabilities, connecting merchants with their customers in over 200 markets worldwide, with local acquiring in 45 markets. With support for over 500 local and alternative payment methods, nearly 150 currencies and 40 cryptocurrencies, merchants can capture every payment opportunity that comes their way. Our purpose is to make our world a local marketplace.
For more information, visit www.nuvei.com.
Contact:
Investor Relations
IR@nuvei.com
Public Relations
PR@nuvei.com
Nuvei Approved to Process Payments for Online Sportsbook Operators in New York
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nuvei-approved-to-process-payments-for-online-sportsbook-operators-in-new-york
Approval granted by the New York State Gaming Commission to process payments with recently licensed digital sports betting platforms
Approval granted by the New York State Gaming Commission to process payments with recently licensed digital sports betting platforms
MONTREAL, January 19, 2022 – Nuvei Corporation (“Nuvei” or the “Company”) (Nasdaq: NVEI) (TSX: NVEI), the global payment technology partner of thriving brands, announces today it has been granted approval by the New York State Gaming Commission to process payments with recently licensed digital sports betting platforms launching in the state.
The commission approved five operators this month – Caesars Sportsbook, BetMGM, DraftKings, FanDuel and Rush Street Interactive – to accept mobile and online sports wagers.
Nine operators are expected to be fully operational once regulatory approvals are finalised.
The regulatory reform means New Yorkers can make wagers on their preferred digital devices, rather than being limited to brick & mortar betting stores.
“Nuvei announced strategic alliances this past year with multiple US-regulated operators. We are pleased to now be supporting online sports betting operators and platform providers with a convenient, fast and secure payments capability to serve their New York customers,” said Nuvei Chair and CEO Philip Fayer. “This marks another step in our journey to expand with the growing industry as several states and countries are in the process of regulating online sports betting.”
Drawing on its deep roots with leading iGaming operators internationally and capabilities in the U.S. market, Nuvei stands as a proven solution provider to assist New York operators with industry expertise and payment processing technology. This includes a revenue optimization suite, providing frictionless deposit experience for millions of players through a variety of payment methods including cards, ACH and digital wallets, net deposits, real-time fraud prevention, risk management, and instant payouts.
About Nuvei
We are Nuvei (Nasdaq: NVEI) (TSX: NVEI), the global payment technology partner of thriving brands. We provide the intelligence and technology businesses need to succeed locally and globally, through one integration – propelling them further, faster. Uniting payment technology and consulting, we help businesses remove payment barriers, optimize operating costs and increase acceptance rates.
Our proprietary platform provides seamless pay-in and payout capabilities, connecting merchants with their customers in over 200 markets worldwide, with local acquiring in 45 markets. With support for over 500 local and alternative payment methods, nearly 150 currencies and 40 cryptocurrencies, merchants can capture every payment opportunity that comes their way. Our purpose is to make our world a local marketplace.
For more information, visit www.nuvei.com.
Contact:
Investor Relations
IR@nuvei.com
Public Relations
PR@nuvei.com
Nuvei appoints Vicky Bindra as CPO / COO
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Nuvei
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nuvei-appoints-vicky-bindra-as-cpo-coo
Bindra will oversee Nuvei's product development and operations, supporting growth across geographies and verticals
Nuvei announces the appointment of Vicky Bindra as Chief Product and Operations Officer, effective November 14, 2022
MONTREAL, November 2, 2022 – Nuvei Corporation (Nasdaq: NVEI) (TSX: NVEI), the Canadian fintech company, announces the appointment of Vicky Bindra as Chief Product and Operations Officer, effective November 14, 2022.
In this newly created role reporting to Nuvei Chair and CEO Phil Fayer, Bindra will oversee product development and operations, supporting growth across geographies and verticals. His focus will be on delivering custom-made solutions and supporting processes designed to accelerate revenue for Nuvei’s customers. He will be based in San Francisco.
Bindra joins Nuvei from his position of Chief Product Officer at FIS where he was responsible for the strategic product function across the company, identifying and creating products and propositions for merchants, banks, fintechs, insurance and investment companies.
Prior to FIS, he had a successful career in payment and fintech, including being CEO of Pine Labs, the Sequoia-backed Indian Fintech Unicorn. He also managed Mastercard’s business across APAC and MEA as its president prior to leading product and solutions globally at Visa.
Bindra started his career in finance and strategy consulting with various senior leadership roles including CEO of GE Capital India, EVP at Citi and as a partner at Bain & Company.
He took numerous non-executive director and advisor positions at, among others, Inchcape, Blackhawk Network, CloudPay and Billtrust. He is a chartered accountant and has an MBA from MIT’s Sloan School of Management.
“I am delighted to see Vicky getting on board. Our growth comes from our beautiful products and technology, and Vicky, with his expertise and deep understanding of our end market will help shape our future,” said Fayer. “He will also bring with him his warmth and positivity that will radiate through the organization,” Fayer added.
About Nuvei
Nuvei (Nasdaq: NVEI) (TSX: NVEI) is the Canadian fintech company accelerating the business of clients around the world. Nuvei’s modular, flexible and scalable technology allows leading companies to accept next-gen payments, offer all payout options and benefit from card issuing, banking, risk and fraud management services. Connecting businesses to their customers in more than 200 markets, with local acquiring in 45+ markets, 150 currencies and more than 570 alternative payment methods, Nuvei provides the technology and insights for customers and partners to succeed locally and globally with one integration.
For more information, visit www.nuvei.com.
Contact:
Investor Relations
Public Relations
PR@nuvei.com
Nuvei appoints Laura Miller as Chief Revenue Officer and Global Head of eCommerce
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nuvei-appoints-laura-miller-as-chief-revenue-officer-and-global-head-of-ecommerce
Learn about Nuvei's latest appointment of Laura Miller as Chief Revenue Officer and Global Head of E-commerce.
Learn About Nuvei's Latest Appointment of Laura Miller as Chief Revenue Officer and Global Head of E-commerce
MONTREAL, June 9, 2023 – Nuvei Corporation (“Nuvei” or the “Company”) (Nasdaq: NVEI) (TSX: NVEI), the Canadian fintech company, announces today the appointment of Laura Miller to a newly created role of Chief Revenue Officer and Global Head of eCommerce, reporting directly to Nuvei President Yuval Ziv.
An inspirational leader in the financial services industry with a proven track record of delivering success at the highest level, Miller joins Nuvei immediately to spearhead the company’s global commercial strategy across many of its key high growth target verticals. Her primary responsibilities will include developing Nuvei’s strengthening relationships with the leading enterprises in global eCommerce, as well as heading up its eCommerce commercial organization in North America, Europe, MEA, APAC and LATAM.
Miller joins at an exciting time for Nuvei as the company continues to demonstrate its enhanced proposition across diversified use cases in global eCommerce, B2B, ISV and Government. Recent Nuvei large enterprise commercial wins include Radisson Hotel Group, Sabre, Virgin Atlantic, Cart.com, and Shein.
Miller commented on the announcement: “I am thrilled to be joining Nuvei at such an important moment. The company is establishing great momentum with many of the world’s most significant eCommerce businesses, and I am eager to support accelerating its growth further. Nuvei is uniquely positioned to enable global businesses to scale internationally while optimizing their payments in regional markets, so I am looking forward to leveraging my experience working with many leading enterprise businesses as we go on this journey.”
Miller brings almost 25 years of expertise in strategic planning, sales leadership, and business development within the payments industry. Her deep understanding of the payments ecosystem will support Nuvei’s mission to provide innovative payment solutions that are tailored to the unique needs of global businesses and built to accelerate eCommerce growth.
Prior to joining Nuvei, Miller held prominent positions at several leading, global financial institutions. Most recently, she served as President, JPMorgan Merchant Services, overseeing the bank’s commercial relationships with its largest global customers. Before joining JPMorgan Chase & Co., Miller held senior leadership positions at American Express, where she played a key role in driving sales growth and client management in the commercial card segment. Throughout her esteemed career, Laura has demonstrated expertise in leading large sales organizations, implementing sales strategies, and expanding client relationships.
“We are excited to welcome Laura to the Nuvei team,” commented Nuvei’s President Yuval Ziv. “Laura is a highly skilled and experienced leader with a deep understanding of the payments industry. She is also a strong advocate for businesses and has a proven track record of success in helping them accelerate growth which matches our mission at Nuvei. I have every confidence that Laura will be a key contributor to helping Nuvei achieve our ambitious goals.”
About Nuvei
Nuvei (Nasdaq: NVEI) (TSX: NVEI) is the Canadian fintech company accelerating the business of clients around the world. Nuvei’s modular, flexible and scalable technology allows leading companies to accept next-gen payments, offer all payout options and benefit from card issuing, banking, risk and fraud management services. Connecting businesses to their customers in more than 200 markets, with local acquiring in 47+ markets, 150 currencies and more than 600 alternative payment methods, Nuvei provides the technology and insights for customers and partners to succeed locally and globally with one integration.
For more information, visit www.nuvei.com
Contact: Public Relations
Investor Relations
Nuvei Announces Voting Results of its Annual Shareholders’ Meeting and Appointment of General Counsel and Corporate Secretary
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nuvei-announces-voting-results-of-its-annual-shareholders-meeting-and-appointment-of-general-counsel-and-corporate-secretary
Nuvei today announced that shareholders voted in favour of all items of business put forth by the Company at its annual shareholders’ meeting held on May 28, 2021 (the “Meeting”)
Nuvei today announced that shareholders voted in favour of all items of business put forth by the Company at its annual shareholders’ meeting held on May 28, 2021 (the “Meeting”)
MONTREAL, May 31, 2021 – Nuvei Corporation (“Nuvei” or the “Company”) (TSX: NVEI and NVEI.U) today announced that shareholders voted in favour of all items of business put forth by the Company at its annual shareholders’ meeting held on May 28, 2021 (the “Meeting”).
Voting Results of the Meeting
- Election of Directors
The five (5) nominees for directors were elected by a majority of the votes cast by the shareholders present or represented by proxy at the Meeting. The votes cast for each nominee were as follows:
NomineesVotes ForPercentage of Votes ForVotes WithheldPercentage of Votes Withheld(a) Philip Fayer855,927,75999.98%195,6990.02%(b) Michael Hanley854,984,76499.87%1,138,3100.13%(c) David Lewin855,785,02399.96%338,0510.04%(d) Daniela Mielke856,088,12299.99%34,9520.01%(e) Pascal Tremblay855,451,94199.92%671,1330.08%
- Appointment of Auditors
PricewaterhouseCoopers LLP, chartered accountants, were appointed as auditors of the Company by a majority of the votes cast by the shareholders present or represented by proxy at the Meeting. The votes cast were as follows:
Votes ForPercentage of Votes ForVotes WithheldPercentage of Votes Withheld859,234,53199.99%18,4870.01%
Final voting results on all matters voted at the Meeting are available on SEDAR at www.sedar.com.
Appointment of Lindsay Matthews as General Counsel and Corporate Secretary
Nuvei announced that Lindsay Matthews will be joining its management team as General Counsel and Corporate Secretary effective today, May 31, 2021.
Ms. Matthews has over 23 years of broad legal experience in corporate, securities and commercial law, as well as in M&A and corporate governance, both as in-house counsel and in private practice. She was most recently Vice-President, General Counsel and Corporate Secretary of Gildan Activewear Inc., where she led the global legal team since 2010. Prior to joining Gildan in 2004, Ms. Matthews practised corporate and securities law at Ogilvy Renault (now Norton Rose Fulbright). Ms. Matthews holds a B.C.L. and LL.B. from the McGill University Faculty of Law as well as a B.A. from Northwestern University.
About Nuvei
We are Nuvei (TSX: NVEI and NVEI.U), the global payment technology partner of thriving brands. We provide the intelligence and technology businesses need to succeed locally and globally, through one integration – propelling them further, faster. Uniting payment technology and consulting, we help businesses remove payment barriers, optimize operating costs and increase acceptance rates. Our proprietary platform provides seamless pay-in and payout capabilities, connecting merchants with their customers in 200 markets worldwide with local acquiring in 44 markets. With support for over 470 local and alternative payment methods, nearly 150 currencies and 40 cryptocurrencies, merchants can capture every payment opportunity that comes their way. Our purpose is to make our world a local marketplace. For more information, visit www.nuvei.com.
Forward-Looking Information
This press release contains “forward-looking information” within the meaning of applicable securities laws. Forward-looking information involves known and unknown risks and uncertainties, many of which are beyond the Company’s control, that could cause actual results to differ materially from those that are disclosed in or implied by such forward-looking information. These risks and uncertainties include but are not limited to those described under the “Risks Factors” section of the Company’s annual information form filed on March 17, 2021. Forward-looking information is based on management’s beliefs and assumptions and on information currently available to management. Although the forward-looking information contained in this press release is based upon what management believes are reasonable assumptions, you are cautioned against placing undue reliance on this information since actual results may vary from the forward-looking information. Unless otherwise noted or the context otherwise indicates, the forward-looking information contained in this press release is provided as of the date of this press release, and the Company does not undertake to update or amend such forward-looking information whether as a result of new information, future events or otherwise, except as may be required by applicable law.
Contact:
Investors
Anthony Gerstein
Vice President, Head of Investor Relations
agerstein@nuvei.com
Nuvei Announces Third Quarter 2024 Results
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nuvei-announces-third-quarter-2024-results
Nuvei Announces Third Quarter 2024 Results
Nuvei reports in U.S. dollars and in accordance with International Financial Reporting Standards (“IFRS”)
MONTREAL, NOVEMBER 12, 2024 – Nuvei Corporation (“Nuvei” or the “Company”) (Nasdaq: NVEI) (TSX: NVEI), the Canadian fintech company, today reported its financial results for the three and nine months ended September 30, 2024.
“We are pleased to report third quarter financial results that underscore the rapid scaling of our business, with total volume increasing 27% and revenue higher by 17% year-over-year, setting us up well to achieve our targeted growth in the quarters and years ahead as we deliver more differentiated value across our global payment solutions platform,” said Philip Fayer, Nuvei Chair and CEO. “Our business remains highly profitable, with third quarter margins reflecting opportunistic investments to expand our global footprint. As we look to finalize our pending take-private, we are already executing on a highly compelling value creation plan, and we have initiated the process of adding 300-plus new roles across our product, technology, and commercial teams,” concluded Fayer.
Financial Highlights for the Three Months Ended September 30, 2024 Compared to 2023:
- Total volume(a) increased by 27% to $61.3 billion from $48.2 billion;
- Revenue increased by 17% to $357.6 million from $304.9 million;
- Net income increased to $17.2 million from a net loss of $18.1 million;
- Adjusted EBITDA(b) decreased by 2% to $108.8 million from $110.7 million;
- Adjusted net income(b) decreased by 8% to $52.3 million from $56.8 million;
- Net income per diluted share increased to $0.10 from a net loss per diluted share of $0.14;
- Adjusted net income per diluted share(b) decreased by 13% to $0.34 from $0.39;
- Adjusted EBITDA less capital expenditures(b) decreased to $92.6 million from $97.5 million.
Financial Highlights for the Nine Months Ended September 30, 2024 Compared to 2023:
- Total volume(a) increased by 30% to $183.1 billion from $141.2 billion;
- Revenue increased 20% to $1,038.2 million from $868.4 million;
- Net income increased to $17.8 million from a net loss of $14.8 million;
- Adjusted EBITDA(b) increased by 7% to $340.4 million from $317.3 million;
- Adjusted net income(b) decreased by 1% to $177.4 million from $179.3 million;
- Net income per diluted share increased to $0.08 from a net loss per diluted share of $0.14;
- Adjusted net income per diluted share(b) decreased by 4% to $1.16 from $1.21;
- Adjusted EBITDA less capital expenditures(b)increased by 4% to $288.0 million from $277.0 million; and,
- Cash dividends declared were $42.3 million.
(a) Total volume does not represent revenue earned by the Company, but rather the total dollar value of transactions processed by merchants under contractual agreement with the Company. See “Non-IFRS and Other Financial Measures”.
(b) Adjusted EBITDA, Adjusted net income, Adjusted net income per diluted share and Adjusted EBITDA less capital expenditures are non-IFRS measures and non-IFRS ratios. These measures are not recognized measures under IFRS and do not have standardized meanings prescribed by IFRS and therefore may not be comparable to similar measures presented by other companies. See “Non-IFRS and Other Financial Measures”.
Proposed take private transaction
As previously announced, on April 1, 2024 the Company entered into a definitive arrangement agreement to be taken private by Advent International (“Advent”), one of the world’s largest and most experienced global private equity investors, as well as a longstanding sponsor in the payments space, alongside existing Canadian shareholders Philip Fayer, certain investment funds managed by Novacap Management Inc. and Caisse de dépôt et placement du Québec, in an all-cash transaction which values the Company at an enterprise value of approximately $6.3 billion (the “Proposed transaction”). Advent will acquire all the issued and outstanding Subordinate Voting Shares and any Multiple Voting Shares (collectively the “Shares”) that are not Rollover Shares , for a price of $34.00 per Share, in cash. This price represents an attractive and significant premium of approximately 56% to the closing price of the Subordinate Voting Shares on the Nasdaq Global Select Market (“Nasdaq”) on March 15, 2024, the last trading day prior to media reports concerning a potential transaction involving the Company, and a premium of approximately 48% to the 90-day volume weighted average trading price per Subordinate Voting Share as of such date.
The Proposed transaction will be implemented by way of a statutory plan of arrangement under the Canada Business Corporations Act. The Proposed transaction was approved by shareholders at a special meeting held on June 18, 2024 and received court approval on June 20, 2024. The Proposed transaction remains subject to customary closing conditions, including receipt of key regulatory approvals (a majority of which were received and/or for which the waiting period has expired as of the date hereof, with a limited number of approvals remaining outstanding), is not subject to any financing condition and, assuming the timely receipt of all required key regulatory approvals, is expected to close in the fourth quarter of 2024.
Following completion of the transaction, it is expected that the Subordinate Voting Shares will be delisted from each of the Toronto Stock Exchange and the Nasdaq and that Nuvei will cease to be a reporting issuer in all applicable Canadian jurisdictions and will deregister the Subordinate Voting Shares with the U.S. Securities and Exchange Commission (the “SEC”).
Cash Dividend
Nuvei today announced that its Board of Directors has authorized and declared a cash dividend of $0.10 per Subordinate Voting Share and Multiple Voting Share, payable on December 12, 2024 to shareholders of record on November 26, 2024. The aggregate amount of the dividend is expected to be approximately $14 million, to be funded from the Company’s existing cash on hand. In accordance with the Plan of arrangement, shareholders are entitled to dividends with a record date prior to the effective date of the Proposed transaction. Should the Proposed transaction be completed before the record date, the dividend will not be paid. Accordingly, payment of the dividend will be made on December 12, 2024 if the Proposed transaction is not completed prior to the record date of November 26, 2024.
The Company, for the purposes of the Income Tax Act (Canada) and any similar provincial or territorial legislation, designates the dividend declared for the quarter ended September 30, 2024, and any future dividends, to be eligible dividends. The Company further expects to report such dividends as a dividend to U.S. shareholders for U.S. federal income tax purposes. Subject to applicable limitations, dividends paid to certain non-corporate U.S. shareholders may be eligible for taxation as “qualified dividend income” and therefore may be taxable at rates applicable to long-term capital gains. A U.S. shareholder should talk to its advisor regarding such dividends, including with respect to the “extraordinary dividend” provisions of the Internal Revenue Code (US).
The declaration, timing, amount and payment of future dividends remain at the discretion of the Board of Directors, as more fully described under the heading “Forward-Looking Information” of this press release.
Conference Call, Financial Outlook and Growth Targets
In light of the Proposed transaction, Nuvei no longer holds earnings conference calls or provides a financial outlook or growth targets.
About Nuvei
Nuvei (Nasdaq: NVEI) (TSX: NVEI) is the Canadian fintech company accelerating the business of clients around the world. Nuvei’s modular, flexible and scalable technology allows leading companies to accept next-gen payments, offer all payout options and benefit from card issuing, banking, risk and fraud management services. Connecting businesses to their customers in more than 200 markets, with local acquiring in 50 markets, 150 currencies and 720 alternative payment methods, Nuvei provides the technology and insights for customers and partners to succeed locally and globally with one integration.
For more information, visit www.nuvei.com
Non-IFRS and Other Financial Measures
Nuvei’s condensed interim consolidated financial statements have been prepared in accordance with IFRS applicable to the preparation of interim financial statements, including IAS 34, Interim Financial Reporting, as issued by the IASB. The information presented in this press release includes non-IFRS financial measures, non-IFRS financial ratios and supplementary financial measures, namely Adjusted EBITDA, Adjusted net income, Adjusted net income per basic share, Adjusted net income per diluted share, Adjusted EBITDA less capital expenditures and Total volume. These measures are not recognized measures under IFRS and do not have standardized meanings prescribed by IFRS and therefore may not be comparable to similar measures presented by other companies. Rather, these measures are provided as additional information to complement IFRS measures by providing further understanding of our results of operations from our perspective. Accordingly, these measures should not be considered in isolation nor as a substitute for analysis of the Company’s financial statements reported under IFRS. These measures are used to provide investors with additional insight of our operating performance and thus highlight trends in Nuvei’s business that may not otherwise be apparent when relying solely on IFRS measures. We also believe that securities analysts, investors and other interested parties frequently use these non-IFRS and other financial measures in the evaluation of issuers. We also use these measures to facilitate operating performance comparisons from period to period, to prepare annual operating budgets and forecasts and to determine components of management compensation. We believe these measures are important additional measures of our performance, primarily because they and similar measures are used widely among others in the payment technology industry as a means of evaluating a company’s underlying operating performance.
Non-IFRS Financial Measures
Adjusted EBITDA: We use Adjusted EBITDA as a means to evaluate operating performance, by eliminating the impact of non-operational or non-cash items. Adjusted EBITDA is defined as net income (loss) before finance costs (recovery), finance income, depreciation and amortization, income tax expense, acquisition, integration and severance costs, share-based payments and related payroll taxes, loss (gain) on foreign currency exchange, and legal settlement and other.
Adjusted EBITDA less capital expenditures: We use Adjusted EBITDA less capital expenditures (which we define as acquisition of intangible assets and property and equipment) as a supplementary indicator of our operating performance.
Adjusted net income: We use Adjusted net income as an indicator of business performance and profitability with our current tax and capital structure. Adjusted net income is defined as net income (loss) before acquisition, integration and severance costs, share-based payments and related payroll taxes, loss (gain) on foreign currency exchange, amortization of acquisition-related intangible assets, and the related income tax expense or recovery for these items. Adjusted net income also excludes change in redemption value of liability-classified common and preferred shares, change in fair value of share repurchase liability and accelerated amortization of deferred financing fees and legal settlement and other.
Non-IFRS Financial Ratios
Adjusted net income per basic share and per diluted share: We use Adjusted net income per basic share and per diluted share as an indicator of performance and profitability of our business on a per share basis. Adjusted net income per basic share and per diluted share means Adjusted net income less net income attributable to non-controlling interest divided by the basic and diluted weighted average number of common shares outstanding for the period, respectively. The number of share-based awards used in the diluted weighted average number of common shares outstanding in the Adjusted net income per diluted share calculation is determined using the treasury stock method as permitted under IFRS.
Supplementary Financial Measures
We monitor the following key performance indicators to help us evaluate our business, measure our performance, identify trends affecting our business, formulate business plans and make strategic decisions. Our key performance indicators may be calculated in a manner that differs from similar key performance indicators used by other companies.
Total volume: We believe Total volume is an indicator of performance of our business. Total volume and similar measures are used widely among others in the payments industry as a means of evaluating a company’s performance. We define Total volume as the total dollar value of transactions processed in the period by customers under contractual agreement with us. Total volume does not represent revenue earned by us. Total volume includes acquiring volume, where we are in the flow of funds in the settlement transaction cycle, gateway/technology volume, where we provide our gateway/technology services but are not in the flow of funds in the settlement transaction cycle, as well as the total dollar value of transactions processed relating to APMs and payouts. Since our revenue is primarily sales volume and transaction-based, generated from merchants’ daily sales and through various fees for value-added services provided to our customers, fluctuations in Total volume will generally impact our revenue.
Forward-Looking Information
This press release contains “forward-looking information” and “forward-looking statements” (collectively, “Forward-looking information”) within the meaning of applicable securities laws. Such forward-looking information may include, without limitation, information with respect to our objectives and the strategies to achieve these objectives, as well as information with respect to our beliefs, plans, expectations, anticipations, estimates and intentions. This forward-looking information is identified by the use of terms and phrases such as “may”, “would”, “should”, “could”, “expect”, “intend”, “estimate”, “anticipate”, “plan”, “foresee”, “believe”, or “continue”, the negative of these terms and similar terminology, including references to assumptions, although not all forward-looking information contains these terms and phrases. Particularly, information regarding our expectations of future results, performance, achievements, prospects or opportunities or the markets in which we operate, expectations regarding industry trends and the size and growth rates of addressable markets, our business plans and growth strategies, addressable market opportunity for our solutions, expectations regarding growth and cross-selling opportunities and intention to capture an increasing share of addressable markets, the costs and success of our sales and marketing efforts, intentions to expand existing relationships, further penetrate verticals, enter new geographical markets, expand into and further increase penetration of international markets, intentions to selectively pursue and successfully integrate acquisitions, and expected acquisition outcomes, cost savings, synergies and benefits, including with respect to the acquisition of Paya, future investments in our business and anticipated capital expenditures, our intention to continuously innovate, differentiate and enhance our platform and solutions, expected pace of ongoing legislation of regulated activities and industries, our competitive strengths and competitive position in our industry, and expectations regarding our revenue, revenue mix and the revenue generation potential of our solutions and expectations regarding our margins and future profitability, as well as statements regarding the Proposed transaction with Advent International L.P., alongside existing Canadian shareholders Philip Fayer, certain investment funds managed by Novacap Management Inc., and Caisse de dépôt et placement du Québec, including the proposed timing and various steps contemplated in respect of the transaction and statements regarding the plans, objectives, and intentions of Philip Fayer, certain investment funds managed by Novacap Management Inc., Caisse de dépôt et placement du Québec or Advent, are forward-looking information. Economic and geopolitical uncertainties, including regional conflicts and wars, including potential impacts of sanctions, may also heighten the impact of certain factors described herein.
In addition, any statements that refer to expectations, intentions, projections or other characterizations of future events or circumstances contain forward-looking information. Statements containing forward-looking information are not historical facts but instead represent management’s expectations, estimates and projections regarding future events or circumstances.
Forward-looking information is based on management's beliefs and assumptions and on information currently available to management, regarding, among other things, assumptions regarding foreign exchange rate, competition, political environment and economic performance of each region where the Company operates and general economic conditions and the competitive environment within our industry, including the following assumptions: (a) the Company will continue to effectively execute against its key strategic growth priorities, without any material adverse impact from macroeconomic or geopolitical headwinds on its or its customers' business, financial condition, financial performance, liquidity or any significant reduction in demand for its products and services, (b) the economic conditions in our core markets, geographies and verticals, including resulting consumer spending and employment, remaining at close to current levels, (c) assumptions as to foreign exchange rates and interest rates, including inflation, (d) the Company's continued ability to manage its growth effectively, (e) the Company's ability to continue to attract and retain key talent and personnel required to achieve its plans and strategies, including sales, marketing, support and product and technology operations, in each case both domestically and internationally, (f) the Company’s ability to successfully identify, complete, integrate and realize the expected benefits of past and recent acquisitions and manage the associated risks, as well as future acquisitions, (g) the absence of adverse changes in legislative or regulatory matters, (h) the Company’s continued ability to upskill and modify its compliance capabilities as regulations change or as the Company enters new markets or offers new products or services, (i) the Company’s continued ability to access liquidity and capital resources, including its ability to secure debt or equity financing on satisfactory terms, and (j) the absence of adverse changes in current tax laws. Unless otherwise indicated, forward-looking information does not give effect to the potential impact of any mergers, acquisitions, divestitures or business combinations that may be announced or closed after the date hereof. Although the forward-looking information contained herein is based upon what we believe are reasonable assumptions, investors are cautioned against placing undue reliance on this information since actual results may vary from the forward-looking information.
Forward-looking information involves known and unknown risks and uncertainties, many of which are beyond our control, that could cause actual results to differ materially from those that are disclosed in or implied by such forward-looking information. These risks and uncertainties include, but are not limited to, the risk factors described in greater detail under “Risk Factors” of the Company's annual information form ("AIF") and the “Risk Factor’s” in the Company’s management’s discussion and analysis of financial condition and results of operations for the three and nine months ended September 30, 2024 (“MD&A”), such as: risks relating to our business, industry and overall economic uncertainty; the rapid developments and change in our industry; substantial competition both within our industry and from other payments providers; challenges implementing our growth strategy; challenges to expand our product portfolio and market reach; changes in foreign currency exchange rates, interest rates, consumer spending and other macroeconomic factors affecting our customers and our results of operations; challenges in expanding into new geographic regions internationally and continuing our growth within our markets; challenges in retaining existing customers, increasing sales to existing customers and attracting new customers; reliance on third-party partners to distribute some of our products and services; risks associated with future acquisitions, partnerships or joint-ventures; challenges related to economic and political conditions, business cycles and credit risks of our customers, such as wars like the Russia-Ukraine and Middle East conflicts and related economic sanctions; the occurrence of a natural disaster, a widespread health epidemic or pandemic or other similar events; history of net losses and additional significant investments in our business; our level of indebtedness; challenges to secure financing on favorable terms or at all; difficulty to maintain the same rate of revenue growth as our business matures and to evaluate our future prospects; inflation; challenges related to a significant number of our customers being small and medium businesses ("SMBs"); a certain degree of concentration in our customer base and customer sectors; compliance with the requirements of payment networks; reliance on, and compliance with, the requirements of acquiring banks and payment networks; challenges related to the reimbursement of chargebacks from our customers; financial liability related to the inability of our customers (merchants) to fulfill their requirements; our bank accounts being located in multiple territories and relying on banking partners to maintain those accounts; decline in the use of electronic payment methods; loss of key personnel or difficulties hiring qualified personnel; deterioration in relationships with our employees; impairment of a significant portion of intangible assets and goodwill; increasing fees from payment networks; misappropriation of end-user transaction funds by our employees; frauds by customers, their customers or others; coverage of our insurance policies; the degree of effectiveness of our risk management policies and procedures in mitigating our risk exposure; the integration of a variety of operating systems, software, hardware, web browsers and networks in our services; the costs and effects of pending and future litigation; various claims such as wrongful hiring of an employee from a competitor, wrongful use of confidential information of third parties by our employees, consultants or independent contractors or wrongful use of trade secrets by our employees of their former employers; deterioration in the quality of the products and services offered; managing our growth effectively; challenges from seasonal fluctuations on our operating results; changes in accounting standards; estimates and assumptions in the application of accounting policies; risks associated with less than full control rights of some of our subsidiaries and investments; challenges related to our holding company structure; impacts of climate change; development of AI and its integration in our operations, as well as risks relating to intellectual property and technology, risks related to data security incidents, including cyber-attacks, computer viruses, or otherwise which may result in a disruption of services or liability exposure; challenges regarding regulatory compliance in the jurisdictions in which we operate, due to complex, conflicting and evolving local laws and regulations and legal proceedings and risks relating to our Subordinate Voting Shares. [These risks and uncertainties further include (but are not limited to) as concerns the Proposed transaction with Advent, the failure of the parties to obtain the necessary regulatory approvals or to otherwise satisfy the conditions to the completion of the transaction, failure of the parties to obtain such approvals or satisfy such conditions in a timely manner, significant transaction costs or unknown liabilities, failure to realize the expected benefits of the transaction, and general economic conditions. Failure to obtain the necessary regulatory approvals, or the failure of the parties to otherwise satisfy the conditions to the completion of the transaction or to complete the transaction, may result in the transaction not being completed on the proposed terms, or at all.] In addition, if the transaction is not completed, and the Company continues as a publicly-traded entity, there are risks that the announcement of the Proposed transaction and the dedication of substantial resources of the Company to the completion of the transaction could have an impact on its business and strategic relationships (including with future and prospective employees, customers, suppliers and partners), operating results and activities in general, and could have a material adverse effect on its current and future operations, financial condition and prospects. Furthermore, in certain circumstances, the Company may be required to pay a termination fee pursuant to the terms of the arrangement agreement which could have a material adverse effect on its financial position and results of operations and its ability to fund growth prospects and current operations.
Our dividend policy is at the discretion of the Board. Any future determination to declare cash dividends on our securities will be made at the discretion of our Board, subject to applicable Canadian laws, and will depend on a number of factors, including our financial condition, results of operations, capital requirements, contractual restrictions (including covenants contained in our credit facilities), general business conditions and other factors that our Board may deem relevant. Further, our ability to pay dividends, as well as make share repurchases, will be subject to applicable laws and contractual restrictions contained in the instruments governing our indebtedness, including our credit facility. Any of the foregoing may have the result of restricting future dividends or share repurchases.
Consequently, all of the forward-looking information contained herein is qualified by the foregoing cautionary statements, and there can be no guarantee that the results or developments that we anticipate will be realized or, even if substantially realized, that they will have the expected consequences or effects on our business, financial condition or results of operation. Unless otherwise noted or the context otherwise indicates, the forward-looking information contained herein represents our expectations as of the date hereof or as of the date it is otherwise stated to be made, as applicable, and is subject to change after such date. However, we disclaim any intention or obligation or undertaking to update or amend such forward-looking information whether as a result of new information, future events or otherwise, except as may be required by applicable law.
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Investors
Chris Mammone, Head of Investor Relations
(a) These expenses relate to:
(i) professional, legal, consulting, accounting and other fees and expenses related to our acquisition and financing activities, including the expenses related to the Proposed transaction. For the three months and nine months ended September 30, 2024, these expenses were $2.4 million and $16.8 million ($3.4 million and $23.0 million for the three months and nine months ended September 30, 2023). These costs are presented in the professional fees line item of selling, general and administrative expenses.
(ii) acquisition-related compensation was $0.7 million and $2.4 million for the three months and nine months ended September 30, 2024 and $0.6 million and $3.5 million for the three months and nine months ended September 30, 2023. These costs are presented in the employee compensation line item of selling, general and administrative expenses.
(iii) change in deferred purchase consideration for previously acquired businesses. No amount was recognized for the three months and nine months ended September 30, 2024 and 2023. These amounts are presented in the contingent consideration adjustment line item of selling, general and administrative expenses.
(iv) severance and integration expenses, which were $4.6 million and $5.1 million for the three months and nine months ended September 30, 2024 ($1.1 million and $10.6 million for three months and nine months ended September 30, 2023). These expenses are presented in selling, general and administrative expenses and cost of revenue.
(b) These expenses are recognized in connection with stock options and other awards issued under share-based plans as well as related payroll taxes that are directly attributable to share-based payments. For the three months and nine months ended September 30, 2024, the expenses consisted of non-cash share-based payments of $14.9 million and $65.3 million ($34.0 million and $105.5 million for the three months and nine months ended September 30, 2023), $0.5 million and $4.9 million for related payroll taxes ($0.1 million and $0.9 million for the three months and nine months ended September 30, 2023),
(c) This primarily represents legal settlements and associated legal costs, as well as non-cash gains, losses and provisions and certain other costs. These costs are presented in selling, general and administrative expenses. For the nine months ended September 30, 2024, the gain consisted mainly of a gain on business combination of $4.0 million.
(a) This line item relates to amortization expense taken on intangible assets created from the purchase price adjustment process on acquired companies and businesses and resulting from a change in control of the Company.
(b) These expenses relate to:
(i) professional, legal, consulting, accounting and other fees and expenses related to our acquisition and financing activities, including the expenses related to the Proposed transaction. For the three months and nine months ended September 30, 2024, these expenses were $2.4 million and $16.8 million ($3.4 million and $23.0 million for the three months and nine months ended September 30, 2023). These costs are presented in the professional fees line item of selling, general and administrative expenses.
(ii) acquisition-related compensation was $0.7 million and $2.4 million for the three months and nine months ended September 30, 2024 and $0.6 million and $3.5 million for the three months and nine months ended September 30, 2023. These costs are presented in the employee compensation line item of selling, general and administrative expenses.
(iii) change in deferred purchase consideration for previously acquired businesses. No amount was recognized for the three months and nine months ended September 30, 2024 and 2023. These amounts are presented in the contingent consideration adjustment line item of selling, general and administrative expenses.
(iv) severance and integration expenses, which were $4.6 million and $5.1 million for the three months and nine months ended September 30, 2024 ($1.1 million and $10.6 million for the three months and nine months ended September 30, 2023). These expenses are presented in selling, general and administrative expenses and cost of revenue.
(c) These expenses are recognized in connection with stock options and other awards issued under share-based plans as well as related payroll taxes that are directly attributable to share-based payments. For the three months and nine months ended September 30, 2024, the expenses consisted of non-cash share-based payments of $14.9 million and $65.3 million ($34.0 million and $105.5 million for the three months and nine months ended September 30, 2023), $0.5 million and $4.9 million for related payroll taxes ($0.1 million and $0.9 million for the three months and nine months ended September 30, 2023).
(d) This primarily represents legal settlements and associated legal costs, as well as non-cash gains, losses and provisions and certain other costs. These costs are presented in selling, general and administrative expenses. For the nine months ended September 30, 2024, the gain consisted mainly of a gain on business combination of $4.0 million.
(e) This line item reflects income tax expense on taxable adjustments using the tax rate of the applicable jurisdiction.
(f) The number of share-based awards used in the diluted weighted average number of common shares outstanding in the Adjusted net income per diluted share calculation is determined using the treasury stock method as permitted under IFRS.
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