Lapsa.pro

Lapsa.pro Overview For Merchants

If you are evaluating card acquiring and account services for cross-border commerce, Lapsa.pro provides multi-currency acquiring, card issuing and redemption of electronic money, and an e-wallet account you can manage via web and mobile apps. Lapsa.pro highlights PCI DSS certification, support for Visa and Mastercard, and one-touch checkout options such as Apple Pay and Google Pay.

Lapsa.pro At A Glance

• Company and registration: Lapsa Payments LTD, MSB registered with FINTRAC in Canada.

• Core offering: Card acquiring, e-wallet payment accounts, multi-currency transfers, and payouts.

• Payment methods: Visa and Mastercard, with optional Apple Pay and Google Pay.

• Security: PCI DSS certification stated publicly, 3D Secure support, tokenization for one-click payments, and anti-fraud monitoring.

• Support: Personal account manager and 24/7 support.

• Onboarding and crediting: Account opening typically within 72 hours after documents are submitted; card payment crediting stated as within 24 hours to your account.

Key Capabilities For Online Payments

Card Acceptance And Wallets

• Card networks: Acceptance for Visa and Mastercard.

• Digital wallets: Integration options for Apple Pay and Google Pay, available via a hosted checkout, server-to-server, or token pass-through approach.

• P2P and payouts: Card-to-card payments and card payouts using OCT are available.

• E-wallet accounts: Payment accounts with incoming and outgoing bank transfers, including SEPA and non-SEPA options.

Conversion And Checkout Features

• One-click payments: Tokenization to enable returning customer checkouts.

• Recurring billing: API support for rebills against a stored token or previous authorization.

• 3D Secure flows: Challenge flows supported; the authorization API indicates when a challenge is required so you can handle the redirect and finalize the order status.

• Dynamic descriptor and e-invoicing: Tools to present recognizable billing text and to issue payment links or invoices.

Multi-Currency And Settlement

• Multi-currency acquiring: Public materials position the gateway for multi-currency card acceptance.

• Crediting timeframe: Stated payment crediting within 24 hours to your account, subject to risk controls and reserves.

• Rolling reserve: Typical range stated as 0 to 10 percent of monthly turnover held for 180 days, depending on your risk profile.

Compliance, Licensing, And Risk Controls

• Regulatory status: Lapsa Payments LTD is listed as MSB registered with FINTRAC in Canada. You should retain the company number and address from Lapsa.pro’s contact page for your vendor records.

• PCI DSS: Lapsa.pro states PCI DSS certification and positions this as part of its security controls for card data handling.

• 3D Secure and AML controls: The platform supports 3DS and may raise the authentication level based on AML rules. Billing address is required in payment initialization requests, aligning with AML and KYC checks.

• Fraud prevention: Public FAQ materials reference automated anti-fraud monitoring in production.

Integration Options And Developer Notes

You can connect in three main ways:

1. Hosted payment page

   • Fastest route to enable cards and compatible wallets.

   • Device check automatically shows the Google Pay or Apple Pay button when eligible.

   • Registration with Google is not required for the hosted path.

2. Server-to-server gateway

   • You host the checkout and post card details or tokens to the gateway.

   • For wallet tokens you decrypt yourself, pass the decrypted data fields in secure 3D parameters as specified in the API.

3. Token pass-through from your site

   • After completing Apple Pay or Google Pay setup on your domain, send the received token to Lapsa.pro’s endpoint for authorization.

   • Rebilling and recurring payments are available via dedicated API actions.

   • The authorization endpoint can return a code that indicates 3DS is required. Your application must handle challenge completion and finalize the order state via callback or follow-up API call.

Engineering teams should review the latest PDF integration references, confirm event codes and idempotency behavior, and validate how webhooks or callbacks signal final success, failure, and chargeback events.

Pricing Snapshot In CAD

Lapsa.pro publishes pricing elements for both acquiring and payment accounts. Your final pricing depends on your industry, card mix, and risk profile, but the following figures provide a public baseline to scope costs:

• Acquiring fees

  • Onboarding fee per MID: from 50 CAD

  • Monthly monitoring: from 10 CAD

  • EU card fee: from 1% + 0.10 CAD

  • Non-EU card fee: from 2.5% + 0.15 CAD

  • Refund and reversal: 0.50 CAD

  • Card payout OCT: from 2% + 2 CAD

  • Chargeback processing: from 50 CAD

  • Rolling reserve: 0 to 10 percent of monthly turnover held 180 days

• Payment account and bank transfer fees

  • Account balance fee: negative 0.5 percent per annum calculation applied monthly per published formula

  • Outgoing SEPA payment: 20 CAD

  • Outgoing non-SEPA payment: 60 CAD

  • Incoming non-SEPA from other banks: 10 CAD

  • Internal Lapsa.pro transfers: typically low or free for incoming, and 1 CAD for outgoing per the price list

  • Additional administrative service fees apply for statements, inquiries, and certain investigations

Rates may change, and all values are shown in Canadian dollars. Request a written commercial offer and confirm how pricing aligns with your MCC, chargeback history, refund ratio, and expected volumes.

Onboarding, Settlement, And Support

• Onboarding timeline: The public FAQ states account opening within 72 hours after complete documentation is provided. An urgent review option is available for an extra fee.

• Operational steps: Submit a request form, pass identity verification and due diligence, receive access, and complete technical integration.

• Settlement and access: With multi-currency acquiring, funds are credited to your account on the stated next-day basis subject to your reserve and compliance checks.

• Service model: You are assigned a personal account manager and can access round-the-clock support.

Ensure you capture your settlement currency, schedule, reserve terms, and any holiday or weekend processing constraints in your merchant agreement.

Risk And Controls You Can Configure

• Transaction controls: The platform allows enabling or disabling transaction types and setting daily spend limits.

• 3DS policy: You or Lapsa.pro can enforce higher authentication levels for specific flows based on AML rules.

• Descriptors: Dynamic descriptor support helps reduce disputes by presenting familiar billing text.

• Chargebacks: A processing fee is published; confirm evidence submission workflows, representment timelines, and reason code coverage as part of onboarding.

Best Fit And Use Cases

Lapsa.pro can be a practical fit if you need:

• Card acquiring with wallets for a single integration that can enable Visa, Mastercard, Apple Pay, and Google Pay.

• Multi-currency acceptance where you want next-day crediting and flexibility in settlement via an account.

• Recurring and tokenized billing for subscription or stored-credential use cases.

• P2P and payout capability to send funds to cards using OCT in addition to bank transfers.

If you operate in higher-risk verticals or with elevated chargeback exposure, verify underwriting appetite and whether surcharges, rolling reserves, and monitoring fees are aligned to your profile.