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First Atlantic Commerce online payment system

First Atlantic Commerce

Updated on December 13, 2010
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General Information

First Atlantic Commerce (FAC) is a leading, international online payments, and fraud and data management solutions provider.  Headquartered in Bermuda, a leading financial, insurance and reinsurance centre, and founded in 1998, FAC provides multi-currency, payment processing and risk management solutions for Internet merchants and Acquiring banks around the world.

FAC securely processes millions of US Dollars, Euros and Pounds in credit card volumes, with over a million transactions per month.  We provide online payment gateway services and standalone, online fraud management services including Verified by Visa and MasterCard®SecureCode™, to various banks, servicing clients in multiple jurisdictions.
Industry Expertise


First Atlantic Commerce (FAC) is a secure, PCI certified payment gateway that offers custom, online payment and risk management solutions to merchants and banks across the Latin American Caribbean Region, Europe and Asia Pacific.



Countries of use

Latin American Caribbean Region, Europe and Asia Pacific.


private and business


Banks take their fees direct from merchant processing each day and in line with established contractual procedures.

Integration approaches

cGate® Payment Processing Platform

Our cGate® Secure suite of products is designed to transmit all transaction data safely and securely over the Internet.

We provide a variety of processing methods including real-time, batch and Virtual Terminal entry to enable merchants to manually process sales, authorizations only, captures and refunds/reversals transaction types.

In addition, the real-time method means merchants have the option (subject to the Acquiring bank being able to do so) of using 3-D Secure™ for chargeback liability shift on certain reason codes.


cGate® Secure Real-Time

Real-time transaction processing is the preferred method for most of our merchants as it provides instantaneous approved/declined responses to all transactions.  It also allows up-to-the-minute reporting on all transactions processed through our platforms.

Virtual Terminal - Manual Transaction Entries

Merchants can use our Virtual Terminal to manually submit orders received via telephone, fax, email or in person. Each user is provided with unique login details that enable them to process credit card transactions, conduct administrative tasks, such as refunds and reversals, produce reports, and view transaction and/or batch history.

cGate® Secure Verify

cGate® Secure Verify solution allows merchants to process 3-D Secure™ transactions though Verified by Visa and MasterCard®SecureCode™ . This technology was designed by the Card Associations to provide online merchants and Acquirers with protection from fraudulent transactions, chargebacks and unauthorized payments. 

Our 3-D Secure™ solution is available as part of our payment processing services, or as a standalone solution, to determine chargeback liability for online merchants in advance of the actual payment transaction authorization.

Software Connections

Our cGate®Secure software connects the merchant’s server directly to our payment processing platform. cGate®Secure transmits the information securely throughout the transaction using advanced encryption technology.


Developer’s Area

To assist with integration for our approved merchants, our developer's area provides a wealth of information such as tutorials, sample code, APIs, FAQs and full technical team contact details.

Information for developers

All of the banks that we work with around the world have their own requirements in terms of application, approval and KYC (Know your Customer). Our business development team will assist and guide you from start to finish, helping to expedite the process wherever possible.

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