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Optimal Payments online payment system

Optimal Payments

Updated on March 17, 2011
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General Information

Optimal Payments is a leading global payment processor that provides credit/debit card and e-check (Direct Debit) solutions to retail/point of sale, Internet, and mail-order/telephone-order (MOTO) merchants in Canada, the United States, Europe, and the Caribbean, processing in excess of $3 billion U.S. in transactions annually. In operation for over 10 years, Optimal Payments was one of the first technology companies to provide services in the electronic payment business. Its head office is in Montreal, with additional offices in the United States; Gatineau, Quebec; and the United Kingdom. Optimal Payments develops and maintains proprietary software, which enables its merchant clients to interface with various banks, credit and debit card providers, and other entities involved in the payment processing chain. Its software has advanced and highly effective fraud- and risk-management components built into it, allowing the Company to assist clients in mitigating the risk of fraudulent transactions. Its software and payment solutions are tailored to the needs of individual clients so that the services match their needs in a wide range of businesses with varying requirements.


U.S. dollar, Canadian dollar, British pound, euro, Japanese yen, Hong Kong dollar, Swiss franc, Australian dollar, and South African rand, among several others.

Countries of use

All countries.


private and business

Integration approaches

Application Program Interface (API) 
Ideal for merchants processing large volumes of payments via a Web site, our API offers simple integration and allows you to accept credit and debit card payments directly on your Web site. 

Virtual Terminal 
Perfect for processing mail order/telephone order transactions, Optimal Payments' Virtual Terminal allows you to process transactions manually, also giving you the added benefit of mobility – you can process transactions anywhere you have Internet access. 

Batch Processing 
The Optimal batch upload tool allows you to easily process multiple transactions at one time. Your authorization, purchase, and settlement requests are completed by simply creating a file – with up to 50,000 transaction records in a single file – and uploading it to us via a secure connection. 

Secure Payment Page 
The secure payment page is for merchants who want to process secure credit card payments via the Internet, without requiring a secure Web site or programming expertise. With this connectivity option you only have to add a single HTML link to your Web site. And to make it even easier, we have a program that generates this link for you.

Information for developers

Our customizable gateway has a multitude of options and delivers all the vital processing components your online business requires.

Looking for a robust gateway that conforms to your business needs? Our customizable gateway has a multitude of options and delivers all the vital processing components your online business requires. We offer you easy connectivity, multiple currency acceptance, sophisticated fraud protection tools, and much more. You get it all with the Optimal gateway solution.

  • Four distinct connectivity options - Secure Payment Page, Virtual Terminal, Batch Processing, and Application Program Interface (API)
  • Multi-currency processing in GBP, EUR, CAD, USD, and more
  • Easy-to-use Web interface to process mail-order/telephone-orders from anywhere you have Internet access
  • Sophisticated fraud-detection system to reduce unauthorized orders
  • Customer service and technical support teams for a smooth set-up
  • Convenient online, real-time transaction reporting
  • Fast payment options - provide us your bank account details and choose the payment schedule that is right for you
  • Bank-neutral - no need to change your current banking relationships


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