Cash App
Crypto & Digital Assets
Acquiring for assets banks won’t touch.
Exchanges, on-ramps and custodians that most acquirers refuse to underwrite at all.
What is NORDBYT
One payments layer, built around you.
We stand up the acquiring, alternative payments and fraud tooling you need — running on infrastructure we operate for you, without the lock-in of a single provider.
1
Unlock global markets
Give buyers the card networks and local methods they trust in each region, so more transactions approve and conversion holds up worldwide.
2
Own your payment data
Keep card data in one secure vault and route across multiple acquirers — full control of your customer relationships, with no single-provider lock-in.
3
Optimize the checkout experience
Close more sales with an embedded, branded checkout and smart routing that quietly retries failures down the path most likely to approve.
4
Protect every transaction
Screen risk in real time and block fraud before it settles — stopping chargebacks without turning away the good customers you want to keep.
Cards
Acquiring.
Direct card processing across the major networks, priced on merit — not on a category.
Beyond cards
Alternative payments.
Wallets, bank transfer, BNPL and crypto — the methods buyers trust in each market.
Smart routing
Digital wallets
Settlements
Reporting
Direct accessA senior principal
Direct accessSenior principal
High-risk fluencyApproved on merit
Always reachableA named partner
Why NORDBYT
Owned by the people accountable for it.
Direct principal access, high-risk fluency and global coverage — from the same senior team that priced your risk and stays on to run it.
Talk to us →+12%
Higher approval rates with smart routing across acquirers.
5
Markets with direct acquiring and local settlement.
850+
Payment methods and channels through one integration.
Connections
One integration. 850+ channels.
Global coverage
Relationships across five regions.
Local acquiring and settlement wherever your customers pay — backed by direct banking relationships on every continent we serve.
Europe·USA·MENA·Asia·LATAM
Talk to us →Payment complete
Your payment has been authorized and settled.
ReferenceNBX-4F8A2C
What we do
Four capabilities.
One integration.
Take one, take all four. They are built to work together and priced as one relationship.
Alternative Payment Methods
Customers pay how they trust. We add the methods that actually convert in each market — not a generic global menu.
Local methods, region by region
Open banking & account-to-account
Bank transfers and regional rails
Cash-based alternatives where they matter
Digital Wallets
One-tap checkout, tokenised end to end. Fewer fields, fewer drop-offs, and card data you never have to hold.
Apple Pay and Google Pay
Regional wallets customers already use
Faster, lower-friction checkout
Network tokenisation
Payment Orchestration
The layer that ties it together: one API in front of every provider, routing each payment to the path most likely to approve.
Smart routing per transaction
Instant failover & retry
Unified reporting across providers
Scales without re-integrating
Currency Conversion
Rather than tracking a single rate feed, we combine partner sources across FIAT and crypto, so every conversion settles on the strongest available rate — with an optional margin to protect against fluctuation.
Boost income on every cross-currency transaction
Reduce exposure to currency fluctuation
Increase transparency for you and your customers
Talk to us →
Sectors we serve
The industries we know best.
We build acquiring and payment infrastructure for the sectors banks find hardest to serve — where approval rates, compliance and cross-border complexity decide who wins.
iGaming
Live through every fixture.
Licence-by-licence rules, and volume that spikes with every match and tournament.
Forex & Trading
Funded in minutes, not days.
Regulated brokers who need fast funding, fast withdrawals and cross-border settlement.
Gambling & Betting
Licensed market by market.
High dispute rates meeting jurisdictional rules that differ in every market.
Adult Entertainment
Processing that doesn’t disappear.
Blanket bank refusals, and recurring billing held under permanent scrutiny.
Nutraceuticals
Recurring billing that stays compliant.
Subscription models and claims scrutiny that pull merchants into monitoring programmes.
Subscription Businesses
Fewer soft declines, less churn.
Recurring billing where every failed retry compounds quietly into lost revenue.
Travel & Hospitality
Approved despite long delivery windows.
Bookings months ahead leave acquirers exposed to refund and insolvency risk.
E-commerce
Approval rates that protect margin.
Cross-border card traffic where a few points of approval decide the whole margin.
Why it's hard
The same four problems
turn merchants away.
High-risk isn't about bad businesses — it's about how banks and card networks price uncertainty.
Chargeback exposure
Disputes run higher here, and once a merchant crosses a card network’s threshold they land in costly monitoring programmes — or lose acceptance entirely.
Regulatory load
Licensing, KYC and regional rules shift constantly. A single misstep can freeze settlement while your revenue keeps running.
Banking reluctance
Most acquirers decline these categories outright, leaving merchants dependent on one fragile provider — or with nowhere to process at all.
Volume volatility
Traffic spikes with campaigns and seasons. A single acquirer rarely absorbs the swing without a wave of soft declines.
Our playbook
How we keep
merchants live.
Every account is built for resilience first, so a single decline, dispute spike or policy change never takes you offline.
1
Multiple acquirers, always
We place you across several banks, so no single decline or underwriting change can take you offline.
2
Approval optimisation
Routing and retries tuned per market lift acceptance on the traffic you already have.
3
Chargeback mitigation
Alerts, representment and prevention tools keep you comfortably under network thresholds.
4
Compliance alongside you
A principal who knows your sector guides licensing, onboarding and every audit.
About NORDBYT
We don't process payments.
We find who will.
NORDBYT is not a financial service provider. We're a consultancy and a technology matching engine — we sit between online merchants and the institutions that move money, and connect each merchant with the partners best suited to their model, market and risk profile.
Acquirers, banks, PSPs, crypto exchanges and other financial institutions — we match you with the right ones, then orchestrate them into a single, flawless transaction flow. One relationship with us, the whole network behind it.
15+years across the hardest sectors in payments
850+acquirers, PSPs and local methods behind one integration
40+regions covered, each with local rails
Who we connect you with
One relationship.
Every rail behind it.
Acquiring banks
Matched to your sector and geography, so approvals never rest on one bank.
Crypto exchanges
On- and off-ramps for digital-asset settlement, wherever your users are.
Alternative methods
Local wallets, open banking and bank transfers, region by region.
Card networks
Scheme programmes and network tokenisation, direct.
PSPs & gateways
Every provider integrated through a single orchestration layer.
Banks
Settlement partners who understand high-risk merchants — and stay.
Values
How we work.
These aren't slogans. They're the reason the client list is short.
Senior expertise
The people you meet are the people who do the work.
Transparency
Plain answers, including when the answer is no.
Precision
Payments reward getting the details exactly right.
Long-term partnerships
We measure success in years, not onboarding.
Quality over quantity
Fewer clients, each of them properly served.
Why clients choose us
Three things they
can't get elsewhere.
Direct C-level access
A principal owns your relationship end to end.
Selective by design
A limited portfolio means genuine senior attention.
High-risk fluency
Fifteen-plus years across the hardest sectors.
Team
Built by operators,
not brokers.
Everyone at NORDBYT comes from inside the industry they now advise. We've priced risk, approved merchants, run settlement and moved size — so we know exactly where a payment gets stuck, and who to call.
Banks & acquirers
Underwriters and risk officers who used to decide which merchants got approved — and why.
Investment brokerages
Operators from regulated brokerage and investment firms, fluent in compliance and client money.
P2P & fintech platforms
Product and payments leads who scaled peer-to-peer and fintech platforms end to end.
High-risk payments
Veterans of high-risk acquiring who kept hard merchants live through chargebacks and de-risking.
Trading desks
Traders who lived in liquidity, FX and moving money at speed — under real pressure.
Crypto exchanges
On- and off-ramp specialists from digital-asset exchanges, fluent in crypto settlement and compliance.
For merchant onboarding and payment partnerships, email:
business@nordbyt.comor send a message via this form
We respond within one business day. Every enquiry is read by a principal, not a queue.
✦
Thank you — enquiry received.
A principal will review your enquiry and reach out directly within one business day.
Contact
Legal
Terms & Conditions
CRB Solutions SIA, trading as NORDBYT · Last updated 12 July 2026
These Terms & Conditions ("Terms") govern your access to and use of the website and services of CRB Solutions SIA, a company registered in the Republic of Latvia (European Union) under Reg. No. 50203608491, trading as "NORDBYT" ("NORDBYT", "we", "us" or "our"). By engaging our services or using this website you agree to these Terms.
1. Who we are — and what we are not
NORDBYT is a payments consultancy and a technology matching engine. We advise merchants and connect them with third-party financial institutions — acquiring banks, banks, payment service providers, alternative payment methods and crypto exchanges — and provide orchestration technology to route transactions between them.
We are not a bank, acquirer, electronic money institution, payment institution or other licensed financial institution. We do not hold, process, acquire or settle funds on your behalf, and we do not provide regulated payment services within the meaning of Directive (EU) 2015/2366 (PSD2). All regulated financial services are provided by the relevant third-party institution under its own agreement with you.
2. Eligibility
Our services are offered strictly on a business-to-business basis to legally constituted entities. By engaging us you confirm that you are authorised to act for your organisation, that your business is lawful in every jurisdiction in which it operates, and that the information you provide is accurate and complete.
3. Scope of engagement
The specific services, deliverables and commercial terms of each engagement are set out in a separate proposal, statement of work or order form. Where those documents conflict with these Terms, the engagement-specific document prevails for that engagement.
4. Your obligations
- ✦Provide accurate, current and complete information for due diligence, onboarding and underwriting.
- ✦Hold and maintain all licences, registrations and authorisations required for your activities.
- ✦Comply with the rules of card schemes, financial institutions and applicable law at all times.
- ✦Not use our services or introductions for any unlawful, fraudulent or prohibited purpose.
5. Third-party financial institutions
Introductions and matches are made on a best-efforts basis. We do not control the decisions of third-party institutions and give no guarantee that any application will be approved, that any account will be maintained, or that any specific rate, limit or settlement time will be achieved. Your relationship with each institution is governed by a separate agreement between you and that institution, to which NORDBYT is not a party.
6. Fees
Fees, payment terms and any applicable taxes are as stated in the relevant engagement document. Unless stated otherwise, invoices are payable within the period specified, and overdue amounts may accrue statutory interest under Latvian and EU law.
7. Intellectual property
All intellectual property in our website, technology, methodologies, documentation and materials remains the property of NORDBYT or its licensors. No rights are transferred except a limited, non-exclusive right to use deliverables for your internal business purposes during the engagement.
8. Confidentiality
Each party will keep confidential the non-public information disclosed by the other and use it only for the purposes of the engagement, except where disclosure is required by law or a competent authority.
9. Data protection
We process personal data in accordance with Regulation (EU) 2016/679 (GDPR) and our Privacy Policy, which forms part of these Terms.
10. Warranties & disclaimers
Services are provided with reasonable skill and care. To the fullest extent permitted by law, all other warranties, whether express or implied, are excluded. Our website and content are provided "as is" for general information and do not constitute financial, legal or regulatory advice.
11. Limitation of liability
To the extent permitted by law, NORDBYT is not liable for indirect, incidental or consequential loss, or for lost profits, revenue, goodwill or data. Our total aggregate liability arising out of or in connection with an engagement is limited to the fees paid by you to NORDBYT for that engagement in the twelve months preceding the event giving rise to the claim. Nothing limits liability that cannot be excluded under applicable law.
12. Indemnity
You will indemnify NORDBYT against claims, losses and costs arising from your breach of these Terms, your business activities, or your breach of applicable law or the rules of any financial institution or card scheme.
13. Term & termination
Either party may terminate an engagement as set out in the relevant engagement document. We may suspend or terminate services immediately where required by law, by a financial institution, or where we reasonably suspect unlawful activity. Clauses intended to survive termination (including confidentiality, IP, liability and governing law) continue to apply.
14. Governing law & disputes
These Terms are governed by the laws of the Republic of Latvia and applicable European Union law. The courts of Latvia have exclusive jurisdiction, without prejudice to any mandatory consumer or statutory rights.
15. Changes & contact
We may update these Terms from time to time; the current version is always published on this page. Questions can be sent to business@nordbyt.com.
Legal
Privacy Policy
GDPR-compliant · CRB Solutions SIA · Last updated 12 July 2026
This Privacy Policy explains how CRB Solutions SIA, trading as NORDBYT, collects and processes personal data in accordance with Regulation (EU) 2016/679 (the General Data Protection Regulation, "GDPR") and applicable Latvian data protection law.
1. Data controller
The controller is CRB Solutions SIA, registered in the Republic of Latvia (EU), Reg. No. 50203608491. For any privacy matter, contact business@nordbyt.com.
2. Personal data we process
- ✦Identity & contact data — name, business email, telephone, job title and company details.
- ✦Business & onboarding data — company documents, ownership and information required for due diligence.
- ✦Communications — correspondence and records of your enquiries and our engagement.
- ✦Technical & usage data — IP address, device and browser data and website analytics.
3. Purposes & legal bases
We process personal data on the following legal bases under Article 6 GDPR:
- ✦Contract (Art. 6(1)(b)) — to respond to enquiries and provide our services.
- ✦Legal obligation (Art. 6(1)(c)) — to meet anti-money-laundering, tax and accounting requirements.
- ✦Legitimate interests (Art. 6(1)(f)) — to operate, secure and improve our business and website.
- ✦Consent (Art. 6(1)(a)) — for optional analytics, marketing cookies and communications.
4. Cookies & analytics
Our website uses strictly necessary cookies and, subject to your consent, analytics cookies. You can manage or withdraw consent at any time through your browser settings or our cookie controls.
5. Recipients & sharing
We may share personal data with third-party financial institutions with which you ask to be matched, with vetted processors acting on our instructions (e.g. hosting, IT and compliance tools), and with authorities where required by law. We do not sell personal data.
6. International transfers
Where personal data is transferred outside the European Economic Area, we rely on an adequacy decision or on appropriate safeguards such as the European Commission's Standard Contractual Clauses.
7. Retention
We keep personal data only as long as necessary for the purposes above. Due-diligence and transaction records are retained for at least five years to satisfy anti-money-laundering and accounting obligations, unless a longer period is required by law.
8. Your rights
Under the GDPR you have the right to access, rectification, erasure, restriction, portability and objection, and the right to withdraw consent at any time. You also have the right to lodge a complaint with your supervisory authority — in Latvia, the Data State Inspectorate (Datu valsts inspekcija). To exercise your rights, contact business@nordbyt.com.
9. Security
We apply appropriate technical and organisational measures to protect personal data against unauthorised access, loss or misuse, including access controls, encryption in transit and staff confidentiality obligations.
10. Automated decision-making & children
We do not make decisions producing legal effects based solely on automated processing. Our services are directed at businesses and are not intended for individuals under 18.
11. Changes
We may update this Privacy Policy from time to time. The current version is always published on this page with its effective date.
Legal
AML & Counter-Terrorist Financing Policy
CRB Solutions SIA · Latvia (EU) · Last updated 12 July 2026
CRB Solutions SIA, trading as NORDBYT, is committed to preventing money laundering, terrorist financing and the circumvention of sanctions. This policy summarises the principles we apply across our consultancy and technology activities.
1. Regulatory framework
We align our controls with EU anti-money-laundering law — including Directives (EU) 2015/849, 2018/843 and 2018/1673 (AMLD4–6) — with the Latvian Law on the Prevention of Money Laundering and Terrorism and Proliferation Financing, and with the recommendations of the Financial Action Task Force (FATF).
2. Risk-based approach
We assess and document the money-laundering and terrorist-financing risk of each client, sector and geography, and apply controls proportionate to that risk. Higher-risk relationships receive enhanced scrutiny.
3. Customer due diligence (KYC / KYB)
- ✦Identify and verify the client entity, its directors and authorised representatives.
- ✦Identify beneficial owners (UBOs) and verify ownership and control structures.
- ✦Understand the nature, purpose and source of funds and wealth of the business relationship.
- ✦Apply enhanced due diligence (EDD) to high-risk clients, sectors and jurisdictions.
4. Sanctions & PEP screening
We screen clients and beneficial owners against applicable EU, UN and other relevant sanctions lists, and for politically exposed person (PEP) status, both at onboarding and on an ongoing basis.
5. Ongoing monitoring
We monitor business relationships throughout their lifecycle and keep due-diligence information current, reviewing it when circumstances change or risk indicators arise.
6. Record keeping
Due-diligence records and relevant documentation are retained for at least five years after the end of a business relationship, in line with EU and Latvian requirements.
7. Reporting suspicious activity
Where we know or suspect money laundering or terrorist financing, we report to the Financial Intelligence Unit of Latvia (FID) as required by law, and we do not "tip off" the person concerned.
8. Prohibited relationships
We will not knowingly work with anonymous or shell arrangements designed to obscure ownership, with sanctioned persons, or with businesses engaged in unlawful activity. We reserve the right to decline or terminate any relationship on financial-crime grounds.
9. Governance, training & cooperation
Responsibility for this policy sits with senior management, supported by a designated compliance officer. Relevant staff receive regular training, and we cooperate fully with competent supervisory and law-enforcement authorities. Questions may be sent to business@nordbyt.com.