Sources: Central Bank of Malta, MFSA and provider disclosures, 2024–2025.
How Malta pays
Malta is small at home and large online. Residents pay mostly by Visa and Mastercard, with Apple Pay and Google Pay supported by local banks, but the bigger story is the island's role as a base for online gaming and digital businesses that take payments from players and customers across Europe.
That makes Malta a cross-border market by nature, with payment and e-money institutions licensed by the MFSA. For an enterprise merchant, the value is optimization: frictionless 3DS under PSD2 strong customer authentication, routing by card origin, and retries across acquirers to protect approvals, all behind one integration, in euros.
Why merchants run on us here
Cards and express wallets
Visa and Mastercard plus Apple Pay and Google Pay, behind one integration.
Built for cross-border
Digital and iGaming businesses in Malta sell across Europe, so routing by card origin matters.
Retries across acquirers
Route each payment to the acquirer most likely to approve it, and retry soft declines elsewhere.
Frictionless 3DS under PSD2
Strong customer authentication with exemptions where allowed, in euros.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Malta
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Malta like any other market in your stack.
One integration, every local method
Connect once and reach every card scheme, wallet, bank rail and installment provider in Malta through a single API — no separate contract or integration per provider.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the euro (EUR) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Malta?
Talk to our payments team about going live in Malta — coverage, local acquiring, settlement and timelines for your business.