# Nuvei — Payment

Nuvei by Nuvei Corporation holds a panel rating of 3/5 from 6 AI judges (category median 2/5), as of 2026-11-03. Provenance: provenance unknown; sovereignty: not determined.

- Vendor: Nuvei Corporation (https://nuvei.com)
- Category: [Payment](https://whats-best.ai/software/payment.md)
- Provenance (editorial classification): provenance unknown
- Canonical page: https://whats-best.ai/software/payment/nuvei
- Alternatives: https://whats-best.ai/software/payment/nuvei/alternatives ([markdown](https://whats-best.ai/software/payment/nuvei/alternatives.md))
- Data as of: 2026-11-04 · evaluated 2026-11-03 · oldest source captured 2026-11-03

**AI-generated.** Every score, rationale and verdict here is written by a panel of AI judges from public evidence — an analysis, not a hands-on test. Every fact quotes the vendor page it was read from. No score can be bought. How scores are made: https://whats-best.ai/methodology

## At a glance

- Vendor: Nuvei Corporation
- Headquarters: Not stated on the vendor’s pages as of 3 Nov 2026
- Data hosting: Not stated on the vendor’s pages as of 3 Nov 2026
- Free plan: Not stated on the vendor’s pages as of 3 Nov 2026

## The panel's verdict

Nuvei is a payments platform whose public documentation is strongest where card acceptance gets technical: checkout and SCA scores sit at 7, with the judges crediting 3-D Secure coverage that enumerates fifteen challenge-preference reasons, per-transaction exemption control, soft-decline resubmission and a plainly stated liability shift. Recurring billing follows at 6-7, a documented rebilling product with plan and subscription management through the control panel and REST API, free trials, card updater and three retries at 72-hour intervals. Weakest are payment methods and sovereignty, both at 4: the pages state 720+ methods while the named list is short, with no public information naming SEPA Direct Debit or iDEAL per market, and while EU regulated entities are evidenced, we found no public information on where data is processed, on subprocessors or on a data processing agreement, with headquarters stated as Montreal. Licence and account terms span 4-6 — the e-commerce lead's 4 weighs bad-day terms, with no public information on chargeback fees or safeguarding of merchant funds, against the licence disclosure others credit. Settlement and reconciliation spans 5-6, and no rate or fee appears on the public pages.

**Speaks for it:**
- Checkout and SCA documentation enumerates fifteen 3-D Secure challenge-preference reasons, with per-transaction exemption control, soft-decline resubmission and a stated liability shift.
- Recurring billing is a documented product, with plan and subscription management via control panel and REST API, free trials, card updater and three retries at 72-hour intervals.
- Licence disclosure names regulated entities in Cyprus, Lithuania, the Netherlands and the UK with supervisors and register numbers, plus PCI DSS Level 1 held since 2007.
- The Settlement Summary Report drills from payout ID to movement details, filters by acquirer bank and settlement currency, and exports to Excel or CSV with scheduling by email or SFTP.

**Held against it:**
- Payment method coverage is a 720+ figure beside a short named list, with no public information naming SEPA Direct Debit, iDEAL or Bancontact per market.
- Sovereignty disclosure stops at the licence layer, with no public information on where payment data is processed, on subprocessors or on a data processing agreement, and headquarters stated as Montreal.
- We found no public information on safeguarding of merchant funds, reserve limits and release timelines, chargeback fees, or freeze and termination terms.
- No payout cadence is stated — scheduling defers to the merchant settlement agreement — and we found no public information on per-transaction fee itemisation, API idempotency, a test mode or a public status page.

**Best for:**
- You run card-first checkout in Europe and need documented 3-D Secure exemption control with liability shift to the issuer.
- You bill subscriptions on cards or the named recurring wallets (Google Pay, Apple Pay, PayPal) and want retries, card updater and plan management in one product.
- Your procurement requires named, register-numbered EU regulated entities and long-held PCI DSS Level 1 certification.

**Avoid if:**
- You sell into European markets and need local methods such as iDEAL or SEPA Direct Debit named per country before you can plan a rollout.
- Your compliance review requires published data-residency and subprocessor terms before contracting.
- Your finance close depends on a stated payout cadence and itemised per-transaction fees from the provider.

## Scores by judge and criterion

Scores out of 5, each judge scoring independently against the published rubric (v2). "n/r" = not rated: the vendor publishes no price, or the judge found no public information on that criterion.

| Criterion | The Finance Lead | The E-Commerce Lead | The SaaS Founder | The Payments Engineer | The Compliance Officer | The Skeptic |
| --- | --- | --- | --- | --- | --- | --- |
| Payment methods & local coverage | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 |
| Checkout, SCA & fraud | 3.5/5 | 3.5/5 | 3.5/5 | 3.5/5 | 3.5/5 | 3.5/5 |
| Subscriptions & recurring payments | 3.5/5 | 3/5 | 3/5 | 3.5/5 | 3.5/5 | 3/5 |
| Settlement, reconciliation & API | 2.5/5 | 2.5/5 | 2.5/5 | 3/5 | 2.5/5 | 2.5/5 |
| Licence, risk & account terms | 3/5 | 2/5 | 3/5 | 3/5 | 3/5 | 3/5 |
| European sovereignty | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 |
| Pricing transparency | n/r | n/r | n/r | n/r | n/r | n/r |
| **Weighted verdict** | **2.5/5** | **2.5/5** | **2.5/5** | **3/5** | **2.5/5** | **2.5/5** |

### The judges

- **The Finance Lead** (v1.0): Closes the month and owns the cash position. Wants payouts on a stated schedule, fees itemised per transaction rather than netted into a lump, reports that match the bank statement, and a rolling reserve written into the contract with a limit rather than discovered on a Tuesday.
- **The E-Commerce Lead** (v1.0): Sells to customers in eight EU countries and is measured on conversion. Wants the local methods each market actually uses named per country, a checkout that stays on her domain, and 3-D Secure that challenges only when it must. Reads "100+ payment methods" as a count, not a list.
- **The SaaS Founder** (v1.0): Runs a B2B subscription business where every failed renewal is churn nobody chose. Wants SEPA mandates as well as cards, dunning that recovers, proration that is correct, and the payment tokens exportable — because a provider that keeps the tokens keeps the customer base hostage.
- **The Payments Engineer** (v1.0): Integrates the provider and gets paged when webhooks stop arriving. Wants a versioned API with idempotency keys, a test mode that behaves like production, the PCI scope of each integration stated, and a status page that admits incidents rather than a green dot.
- **The Compliance Officer** (v1.0): Handles data protection and outsourcing risk, and wants the regulated entity named with its supervisor and register number, not "licensed in Europe". Asks where transaction and cardholder data are processed, who the subprocessors are, and where the provider acts as controller rather than processor.
- **The Skeptic** (v1.0): Knows the headline rate covers the cheapest card in the cheapest country. Reads for the currency conversion markup, the chargeback fee, the payout delay and the clause that lets the provider freeze funds without a reason — and treats a missing licence number as an answer.

## European sovereignty — proven facts

Built only from facts on the vendor's own pages; a dimension we could not prove is left open, never scored as zero. Headline: not determined.

| Dimension | Finding | Points | Source |
|---|---|---|---|
| Legal entity | Not determined | — | — |
| Hosting location | Not determined | — | — |
| Hosting options | Not determined | — | — |
| Open source | Not determined | — | — |
| Data processing agreement | Not determined | — | — |
| Transfer impact assessment | Not determined | — | — |

## Key facts

Each fact is the vendor's own statement, cited to the source page it was read from ([S*n*] → Sources).

**Compliance**
- Bank disclosures isos: Citizens Bank, N.A. · Chesapeake Bank · North American Banking Company · JPMorgan Chase & Co. · MVB Bank, Inc. [S2]
- Canadian code of conduct: yes [S1]
- Licenses certifications: yes [S1]
- Licenses certifications page: yes [S11]
- Micar casp license: 2025-12-17 · MiCAR CASP license · yes [S11]
- Micar passporting: yes [S11]
- Payment institution license: services related to electronic money tokens (EMTs) · yes [S11]
- Pci dss level1: 1 · 2007 · PCI-DSS [S2]

**Integrations**
- Developer resources: yes · yes · yes [S1]
- Developer resources: Developer tools, API reference docs, Documentation center [S11]
- Single integration: yes [S11]
- Unionpay amex: connections to Union Pay International and Amex [S2]

**Legal**
- Copyright: 2026 [S1]
- Copyright: Nuvei [S3]
- Cyprus ecb entity: Nuvei Limited · Central Bank of Cyprus · Electronic Money Institution · 115.1.3.9/2018 [S2]
- EU card membership: Principal membership from Mastercard and Visa for currency processing and settlement in the Europe area [S2]
- Headquarters location: Montreal [S11]
- Lithuania eml entity: Nuvei UAB · Central Bank of Lithuania · Electronic Money Institution · 54 [S2]
- Netherlands dnb entity: Nuvei Global Services B.V. · DNB · Payment Service Provider · DNB F0005 [S2]
- UK fca entity: 994233 · Nuvei Financial Services Limited · UK Financial Conduct Authority · e-money and payment services [S2]
- US fincen registration: Nuvei US, LLC · 1760584 · 31000199444681 · Money Service Business · 39 [S2]

**Product**
- 3ds acquirer decision values: only applicable to exemption flow currently · ChallengeRequest · ExemptionRequest · NoReference [S4]
- 3ds challenge preference reasons: InitialMerchantInitiatedTransaction (ChallengeRequest) · InitialRecurringPayment (ChallengeRequest) · AddCard (ChallengeRequest) · AccountVerification (ChallengeRequest) · MerchantInitiatedTransaction (ExemptionRequest) · RecurringPayment… [S4]
- 3ds exemption request: Nuvei can request a 3DS exemption or insist on a 3DS challenge based on transaction type, risk analysis, or merchant preference [S4]
- 3ds flow values: challenge · frictionless · exemption · none [S4]
- 3ds out of box: out-of-the-box end-to-end 3DS solutions handle 3DS requirements client and server side [S5]
- 3ds scenarios merchant initiated exemption: Merchant can request exemption by sending challengePreference=02 [S4]
- 3ds self implementation: yes [S5]
- 3ds v2 support: 3DS2 · yes [S5]
- 3ri support: yes [S5]
- Acquirer bank required: yes [S10]
- AI capabilities: real-time routing, continuously learning fraud models, automatic authorization improvement [S1]
- API: yes [S3]
- Apm examples: PayPal · Apple Pay · Klarna · WeChat · Skrill · cryptocurrencies · 720 [S3]
- Apm recurring server to server: server_to_server · no [S6]
- Balance view options: All collapsed · All expanded [S10]
- Capabilities: accept next-generation payments, all payout options, card issuing, banking, risk, and fraud management services [S11]
- Card updater feature: yes [S6]
- Challenge preference reason range: 1 to 15 [S4]
- Credential storage upo: yes [S6]
- Crypto services: cryptocurrency storage and administration, transfers, and the exchange of crypto-assets into funds [S11]
- Currencies: 150 [S1]
- Currencies: 150 · 50 [S3]
- Currencies: Any · CAD · USD [S10]
- Customer segments: yes · yes [S11]
- Data source disclaimer: Report data from card schemes, acquiring banks, alternative PSPs; subject to change, no responsibility for accuracy beyond publication date [S10]
- Details column actions: list settlements by client/balance date/currency · download CSV or EXCEL of movement details · open movement details [S8]
- Details column features: settlement list under Payment ID · CSV/EXCEL download of movement details under Payout ID · movement details view under Payout ID [S9]
- Dmn authentication checksum: yes · SHA-256 · MD5 · yes [S6]
- Dynamic decisioning: yes [S5]
- End after parameter: End After deactivates the plan after a set period unless overridden [S7]
- External subscription support: yes [S6]
- Fiat crypto conversion: yes [S11]
- Financial report history: Financial reports generated up to 14 months back from current date [S10]
- Financial report history limit: 14 [S8]
- Geographies: Canada · United States [S10]
- Grouping: day · month [S10]
- Initial amount setup fee: Initial Amount is the setup fee of the subscription [S7]
- Initial payment 3ds sca: yes [S6]
- Liability shift: successful 3DS authentication shifts fraud liability from merchant to card issuer [S5]
- Linkage column: Linkage column shows all linked recurring transactions in a subscription [S7]
- Markets reach: 200 · 50 [S3]
- Markets reach: 200 · 150 · 50 · 720 [S11]
- Merchant of record: compliance · tax handling · payments · yes · no [S3]
- Merchant subscription creation conditions: pre_existing_upo · customer_permission [S6]
- Mit flow recurring via rest: MIT [S6]
- Multi currency pricing: yes · 720 · yes [S3]
- New subscription from plan: New subscription pre-populates fields from selected plan [S7]
- Oct payout formula: Close balance = current amount + open balance [S10]
- Open banking: instant account-to-account payments · verified customer authentication · yes [S3]
- Outstanding amount: Outstanding Amount functionality prevents merchant settlement account from going negative; no payout when daily balance is negative [S10]
- Payins payouts: yes · yes [S1]
- Payment methods: yes · 720 · yes [S3]
- Payment methods count: 720 [S1]
- Payment orchestration: yes [S3]
- Payment types: credit and debit cards, mobile payments, bank transfers, cash vouchers, BNPL, e-wallets, 150+ currencies [S3]
- Plan management via control panel: control_panel · rest_api · yes · yes · yes [S6]
- Platform description: All-in-one payments platform for online and mobile transactions, alternative payment methods, localized experiences, real-time reporting [S3]
- Processing capacity: over 1 trillion [S1]
- Psd2 compliance: yes [S5]
- Rebilling plan API methods: /createPlan · /editPlan · /getPlansList [S6]
- Rebilling service available: yes [S6]
- Recurring apms supported: Google Pay (REST) · Google Pay (Web SDK) · Apple Pay (REST) · Apple Pay (Web SDK) · PayPal [S6]
- Recurring payment no cvv: no [S6]
- Recurring period units: days · weeks · months · years [S7]
- Report access path: Finance > Settlement Summary [S9]
- Report actions: create_queries · schedule_queries · manage_queries · configure_drilldown_settings [S9]
- Report export formats: yes · Excel · CSV · yes [S8]
- Report export formats: Excel · CSV [S9]
- Report export scheduling: yes · yes [S7]
- Report filters: date range · acquirer bank · settlement currency · settlement view [S8]
- Report filters: Start-End date range · Acquirer Bank · Settlement Currency · Settlement View [S9]
- Report history limit: 14 [S9]
- Report number rounding: nearest hundredth [S9]
- Report rounding: nearest hundredth [S8]
- Report sort order: ascending by date [S8]
- Report sort order: ascending by date (old to new) [S9]
- Reporting: Real-time data reporting [S3]
- Reserve balance report: Report shows merchant's available reserve balance for a given time frame [S10]
- Reserve details: OCT Pay-In · OCT Pay-out · Reserve Capture · Reserve Release · Update Balance [S10]
- Retry mechanism: yes [S6]
- Retry schedule: 3 · 72 · subscription_canceled_to_inactive · 216 [S6]
- Rounding: Rounded to nearest hundredth [S10]
- Sample report: yes [S10]
- Sample report download: yes [S8]
- Sample reports available: yes [S9]
- Sca exemptions: yes [S5]
- Scheduled delivery channels: email · SFTP [S8]
- Search history: Summary period search up to 3 years back; current day not available [S10]
- Settlement id types: Batch ID or ARN/RRN for chargebacks · Payout ID [S8]
- Settlement id types: Batch ID or ARN/RRN for chargebacks · Payout ID [S9]
- Settlement report time zone: UTC+2 (UTC+3 in DST) · yes [S8]
- Settlement summary report overview: Summarizes settlements over a time frame, configurable and exportable in multiple formats [S8]
- Settlement summary report purpose: Summarizes settlements during a given time frame; modifiable and available in multiple formats [S9]
- Settlement summary report scheduling: email · SFTP · yes [S9]
- Settlement summary report timezone: UTC+2 (UTC+3 during daylight saving time) · yes [S9]
- Settlement view options: All Collapsed · All Expanded [S8]
- Settlement view options: All Collapsed · All Expanded [S9]
- Soft decline resubmission: yes [S5]
- Solution list: Pay-ins · Payouts · Global acquiring · Bank transfers · Real-time payments · Payment methods · Authorization optimization · Fraud & risk management · Chargeback resolution · Currency management · Reconciliation management · Nuvei for Platf… [S1]
- Subscription API methods: /createSubscription · /editSubscription [S6]
- Subscription cancel action: yes [S7]
- Subscription dmn types: subscription · subscriptionPayment [S6]
- Subscription edit action: yes [S7]
- Subscription management API methods: /getSubscriptionsList · /cancelSubscription [S6]
- Subscription statuses: Active · Inactive (expired) · Cancelled (by merchant) [S7]
- Subscriptions create modify delete: yes · yes · yes [S7]
- Subscriptions report view: Control Panel lets merchants view existing rebilling subscriptions with transaction drilldown [S7]
- Subsequent payment automation: yes [S6]
- Supported subscription solutions: nuvei_rebilling_service · credit_card_recurring_via_rest · apm_recurring · external_subscription_support [S6]
- Timezone: UTC+2 (UTC+3 during daylight saving time) [S10]
- Trial period free: yes · days · weeks · months · years [S7]
- Unified fiat emt crypto flows: yes [S11]
- Use cases: Hospitality · Automotive · Business to business · Online retail · Financial services · Government payments · Travel & mobility · Independent software vendors · Crypto platforms & exchanges · Marketplaces · Small & medium sized businesses ·… [S1]
- User token before payment methods: yes [S7]

**Support**
- Channels: yes · yes [S1]
- Security vulnerability reporting: yes [S1]

## Questions

### Is Nuvei European?

Not determined: the vendor’s pages as captured do not say where Nuvei is based.

### Where does Nuvei store data?

Not stated on the vendor’s pages as of 3 Nov 2026.

### Does Nuvei have a free plan?

Not stated on the vendor’s pages as of 3 Nov 2026.

### What are the best alternatives to Nuvei?

As of 3 Nov 2026, the panel rates [Adyen (3/5)](https://whats-best.ai/software/payment/adyen), [Mollie (3/5)](https://whats-best.ai/software/payment/mollie) and [Novalnet (3/5)](https://whats-best.ai/software/payment/novalnet) highest among the other 35 Payment products evaluated. Ratings that look equal are rounded to half stars; the order uses the unrounded rating, then the name. The highest-rated European alternative is [Adyen](https://whats-best.ai/software/payment/adyen) (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: [how scores are made](https://whats-best.ai/methodology#ordering). The full list, with European products first: [Nuvei alternatives](https://whats-best.ai/software/payment/nuvei/alternatives).

## What this page leaves out

- We found no public information on pricing on the pages we read (nuvei.com, nuvei.com/legal/licences-and-certifications, nuvei.com/offers/global-payment-methods, docs.nuvei.com/documentation/features/3d-secure/3ds-implementations/challenges-and-exemptions, docs.nuvei.com/documentation/features/3d-secure, docs.nuvei.com/documentation/features/subscription-rebilling and 5 more). If the vendor publishes it somewhere else, send us the page.
- 6 product facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material.
- 3 legal facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material.

## Sources

- [S1] Vendor page: https://nuvei.com (checked 2026-11-03)
- [S2] Legal notice — found from the homepage: https://www.nuvei.com/legal/licences-and-certifications (checked 2026-11-03)
- [S3] Payment methods & local coverage — found from sitemap: https://www.nuvei.com/offers/global-payment-methods (checked 2026-11-03)
- [S4] Checkout, SCA & fraud — found from sitemap: https://docs.nuvei.com/documentation/features/3d-secure/3ds-implementations/challenges-and-exemptions/ (checked 2026-11-03)
- [S5] Checkout, SCA & fraud — found from sitemap: https://docs.nuvei.com/documentation/features/3d-secure/ (checked 2026-11-03)
- [S6] Subscriptions & recurring payments — found from sitemap: https://docs.nuvei.com/documentation/features/subscription-rebilling/ (checked 2026-11-03)
- [S7] Subscriptions & recurring payments — found from sitemap: https://docs.nuvei.com/documentation/control-panel-docs/operations/recurring-subscriptions-report/ (checked 2026-11-03)
- [S8] Settlement, reconciliation & API — found from sitemap: https://docs.nuvei.com/documentation/control-panel-docs/finance/settlement-summary-report/ (checked 2026-11-03)
- [S9] Settlement, reconciliation & API — found from sitemap: https://docs.nuvei.com/documentation/_temp_/control-panel/settlement-summary-report_1281540/ (checked 2026-11-03)
- [S10] Licence, risk & account terms — found from sitemap: https://docs.nuvei.com/documentation/control-panel-docs/finance/nuvei-na/nuvei-na-reserve-balance/ (checked 2026-11-03)
- [S11] Licence, risk & account terms — found from sitemap: https://www.nuvei.com/posts/nuvei-receives-license-under-eu-micar (checked 2026-11-03)

---

Cite as: whats-best.ai, "Nuvei — Payment", AI panel analysis, as of 2026-11-04. https://whats-best.ai/software/payment/nuvei

Corrections: https://whats-best.ai/correct/1467?target=page