License Enabler

    Operate as an acquirer with your brand.
    We provide the license.

    You have the brand and the business — we provide the acquiring license, direct Visa/Mastercard connections and all the infrastructure. Time-to-market in weeks, not years.

    The problem

    Becoming an acquirer is nearly impossible

    Regulatory, technical and capital barriers make launching an acquiring operation a project of years and millions of dollars.

    2–4 year license process

    Obtaining your own acquiring license requires years of negotiation with brands, audits and regulatory compliance with no guarantee of approval.

    Multi-million initial investment

    Infrastructure, PCI certifications, legal and technical team — all before processing the first transaction. US$5–20M in CAPEX.

    Regulatory and compliance risk

    Without a track record as an acquirer, regulators impose additional restrictions. Each country has different requirements.

    Hard-to-recruit specialized team

    You need experts in ISO 8583, PCI DSS, Visa/MC connections and local regulation — scarce and expensive talent in LATAM.

    < 0 daysTime to market
    $0Initial CAPEX
    0–15People needed vs 50–100
    0%White-label
    The solution

    Everything you need to become an acquirer

    Akua License Enabler lets you operate as a full acquirer under your brand, with all infrastructure and licenses included.

    Your brand, our license

    Operate as an acquirer with your complete branding. Your merchants will never know Akua is behind it — everything is white-label.

      Direct Visa & Mastercard connections

      Immediate access to certified Visa and Mastercard connections without your own negotiation. Includes native ISO 8583.

        Inherited PCI DSS 4.0

        Inherit our PCI DSS 4.0 certification from day one. No need for your own audits or investment in security infrastructure.

          White-label merchant management

          Onboarding, underwriting and sub-merchant management under your brand with automated KYC/KYB and integrated compliance.

            Regulatory compliance included

            Multi-country compliance included: local regulations, entity reports and certifications — without a dedicated legal team.

              White-label reporting and analytics

              Complete dashboards, reports and analytics under your brand. Flexible revenue sharing model to maximize your profitability.

                Ideal for

                Is License Enabler right for you?

                Financial cooperatives wanting to offer acquiring
                Compensation funds with merchant networks
                Banks with new licenses without infrastructure
                Regulated fintechs looking to monetize their base
                Retail networks with high transaction volume

                Explore more

                Other modalities and related products

                Full Stack AaaS

                Akua operates as the acquirer and you offer the service to your merchants under your own brand.

                Merchant Engine

                Complete merchant onboarding, management, and lifecycle with white-label tooling.

                KYC/KYB & AML

                AI-powered automated merchant onboarding with built-in compliance and full white-label.

                Cloud Native Processor

                The processor your acquiring operation needs. Deployed on AWS with active-active architecture.

                Settlement & Clearing

                Automated clearing engine that processes and settles transactions without manual intervention.

                Ready to operate as an acquirer
                under your brand?

                Talk to our partnerships team and discover how License Enabler can accelerate your entry into the acquiring world.