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CM.com Acquiring

Transaction Processing for Online & In-Store
Payments

Accept and settle payments faster with full control, transparent costs & one partner

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Payments Platform next icon Transaction Processing

One Payment Partner

One payment provider for all your online and card payments

Competitive Transaction Rates

Low and clear transaction pricing, without hidden costs

One Contract & Integration

One contract and one seamless technical integration

One Point of Contact

One single point of contact for support and innovation

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Integrated Transaction Processing by CM.com

CM.com transaction processing is a fully integrated payment solution that handles the entire payment flow.

While typical payment providers only facilitate payments and rely on multiple external partners, creating hidden fees, CM.com manages authorization, clearing, and settlement directly as a licensed acquiring bank and processor.

This gives you clear pricing, which is easy to understand, forecast and manage.

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Simple, Predictable Pricing

CM.com is one of the few European payment providers offering its own transaction processing for online and in-store payments. This gives us full control of the fees and results in clear, competitive transaction costs for you.

With CM.com transaction processing you have peace of mind. No separate fees for interchange, scheme, or processor mark-ups, just one predictable fee for all transaction costs.

  1. Transparent pricing with no complexity

  2. Stable and predictable transaction costs

  3. One clear invoice from a single payment provider

More about pricing

Simplify Your Payments Flow

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Advanced Dashboarding, Insights & Reporting

In our advanced payments portal businesses find clear and transparent overviews of their payments, transactions types, costs, financial reporting and more.

Your Partner in Payments

  1. Trusted by 1500+ Businesses Across Europe
  2. Regulated Acquiring Bank in Europe
  3. Licensed Visa & Mastercard Payment Processor
  4. Payment Provider Since 2010
  5. Headquarter in The Netherlands

Frequently Asked Questions

What is transaction processing?
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Transaction processing is the secure routing and management of payments made online and in-store. It handles every step of a payment, from authorization to clearing and settlement, ensuring funds move securely from the customer to the business bank account.

What is the difference between a PSP, acquirer, and processor?
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A payment service provider (PSP) connects your business to payment methods. The acquirer accepts transactions on your behalf and settles funds. The processor routes and manages the transaction data between banks and card networks.

CM.com is a PSP, acquirer and processor.

Does CM.com handle acquiring and processing?
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Yes. CM.com manages authorization, clearing, and settlement internally, giving you one partner responsible for your entire payment flow.

Is transaction processing for online and in-store payments?
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Yes. CM.com transaction processing supports both online and card-present payments within one integrated platform.

Latest Articles

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Offline Payments: Keeping Commerce Running When Networks Fail

Whether it’s a packed retail store on a Saturday afternoon or a crowded festival at peak hour, the moment the network drops, everything changes. Queues build. Payments fail. Sales stop. What now?

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iDEAL to Wero: What Merchants Need to Know About the Transition

Wero is replacing iDEAL in the Netherlands, a major step toward one European payment experience. iDEAL is Dutch-only, so this mainly affects Dutch merchants. What does it mean for your business, and what are the key timelines?

5 minutes read Dec 09, 2025
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An eCommerce Christmas Carol: The Customer Journey in One Package

' Tis the season for conversational commerce - and CM.com can deliver the whole customer journey in one package! From getting your promotional material seen to facilitating payments within the conversation, and some post-purchase customer care to turn holiday shoppers into loyal fans of your brand.

7 minutes read Nov 20, 2025
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Shopper Recognition: Get to Know Your Customers Through Their Payment Data

Retailers are largely unaware of who their customers are, especially in brick-and-mortar stores. This is a problem. In a world dominated by data, retail faces an interesting challenge. How to inform strategy and decision making when the vast majority of shoppers choose to remain anonymous by avoiding joining loyalty programs?

4 minutes read Oct 20, 2025
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Buy Now, Pay Later: The Rise of Responsible Installment Payments

More and more consumers are opting for flexibility at checkout. Consequently, installment payments - also known as Buy Now, Pay Later (BNPL) - are growing rapidly in popularity. This model allows consumers to receive products or services immediately and pay later (or in installments). Convenient for large or unexpected expenses, and attractive because of immediate ownership with no immediate cost.

3 minutes read Jun 10, 2025
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Wero Explained: The Future of Payments Across Europe

It still seems to be in the future, but Wero will soon replace local European payment methods. In several countries, Wero has already been introduced, such as in Germany, France and Belgium. The Netherlands will follow soon. What is Wero and what can you as a consumer or merchant expect from this new payment method?

5 minutes read Apr 10, 2025
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Introducing Payments on WhatsApp for the Ultimate End-To-End Customer Experience

Payments are the newest addition to WhatsApp Business Platform's impressive repertoire of powerful customer engagement tools. In this blog we'll introduce how payments on WhatsApp work, and discuss the benefits.

4 minutes read Nov 23, 2023
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Smooth Payments for the Ultimate Dutch Grand Prix Experience

What is needed for the best Formula 1 Heineken Dutch Grand Prix experience? A good, fair race of course. Racers who are on top of their game? Good food and a nice cold beer? All the above are true. But there are also unseen factors that contribute to a great day at the Dutch Grand Prix. Payments during an event are seen as a given, a necessary evil perhaps, but they can truly make or break the experience for a visitor. Learn more about our Payments solutions at the Dutch Grand Prix and how they contributed to this awesome event.

4 minutes read Jun 29, 2023
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7 Reasons Why the Future of Events Is Cashless

Everyone who has ever been to a festival is probably familiar with tokens, it’s part of festival heritage. Traditionally, event organizers used plastic token systems to help reduce the burden of moving cash around and create standardized pricing models. But welcome to 2022. Almost all event visitors are Gen Z and Millennials, who are used to paying with their cards everywhere they go. So why not at events? Here are 7 ways in which you can benefit from making your events completely cashless.

5 minutes read May 16, 2023
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