Acquiring Solutions
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One gateway. Multiple networks. More ways to move money.

In a digital economy that never sleeps, financial institutions and fintechs need a real-time acquiring solution built for speed, reliability and control. The Peregrine™ payments gateway provides a single, secure connection to the debit networks your business depends on.

The platform has two parts: the ATM gateway routes ATM transactions across more than 10 major networks, including Visa® and Mastercard®, while the funds transfer gateway supports debit card transactions and bill payments. It's a single integration that allows you to simplify operations and reduce processing costs — all while maintaining transparency and oversight.

ATM gateway

Route ATM transactions across nearly every network

Our ATM solution is powered by the Peregrine™ gateway, delivering secure, scalable ATM transaction processing for financial institutions, ISOs and terminal drivers. From withdrawals and transfers to balance inquiries, we connect millions of debit cards and accounts across nearly all ATM networks.

You benefit from:

  • Broader reach: Connect to more than 10 networks, including Visa®/Plus®, Mastercard®/Cirrus®, American Express®, STAR®, PULSE®, AFFN® and benefit cards, giving your machines and users more transaction paths.
  • Flexible integration: Work with the software and hardware partners that best fit your needs. You set your network routing priorities during setup.
  • Regulatory and mandate assistance: Navigate industry changes with SHAZAM expertise at your back. Our transparent pricing includes all regulatory and mandate updates.
  • Scalable technology: Our modern, cloud-based platform supports high transaction volumes and future growth, with a standard network uptime of 99.99%.
Funds transfer gateway

Send and collect payments through debit networks

The Peregrine™ funds transfer gateway gives businesses and their sponsor financial institutions access to multiple debit networks — including Visa®, Mastercard®, PULSE®, STAR® and the SHAZAM network — for funds transfers and bill payments. That means reach to nearly every debit cardholder in the U.S. through a single integration.

The gateway supports three transaction sets:

  • Funds transfer credit: Push payments such as insurance claims, refunds and payroll directly to your customers' debit cards. Cardholders can access the funds within seconds, 24/7/365.
  • Account funding: Pull funds from a customer's debit card to fund a digital wallet, load a prepaid card or move money to an account at another financial institution.
  • Bill pay: Collect bill payments such as insurance premiums, healthcare payments and utility bills directly from a customer's debit card, helping them avoid late fees. Refunds for settled bill payments are supported, too.

You benefit from:

  • Intelligent routing: The gateway routes each payment across multiple debit networks, so you reach about 98% of U.S. debit cards through one integration point.
  • Fast cardholder experiences: Transactions process in seconds, 24/7/365.
  • Straightforward settlement: Businesses fund and receive their transactions through a familiar ACH net settlement process at the end of each business day.
  • A simple integration: Transactions are submitted directly to Peregrine™ through an API, no matter which core you use.
Built-in risk management & compliance

Governance embedded directly into the platform

Peregrine™ embeds risk management directly into the acquiring stack, giving you visibility and automated governance across supported rails.

Transactions are monitored as they occur and securely logged — keeping reporting aligned and consistent as your program scales.

You benefit from:

  • Continuous transaction monitoring to detect fraud patterns and velocity spikes before settlement
  • Automated dispute workflows to streamline the chargeback process
  • PCI Level 1-certified infrastructure to reduce data liability and increase audit readiness
  • Tamper-proof transaction logs and automated KYC/AML integration

Frequently asked questions

What is the Peregrine™ gateway?

The Peregrine™ payments gateway connects financial institutions and fintechs to multiple debit networks through a single, secure integration. It has two parts: an ATM gateway that routes ATM transactions across more than 10 networks, and a funds transfer gateway that supports debit card transactions, account funding and bill payments.

Who uses the ATM gateway?

The ATM gateway was built for financial institutions, independent ATM operators (ISOs), terminal drivers and processors that want to route ATM transactions — withdrawals, transfers and balance inquiries — through a single connection to multiple networks. A sponsor financial institution backs each program.

Who uses the funds transfer gateway?

The funds transfer gateway is ideal for fintechs, insurance companies, healthcare providers and other businesses that want to send payments to — or collect payments from — their customers' debit cards. Each business works with a sponsor financial institution that's a member of the debit networks it uses.

How quickly do cardholders receive funds?

Cardholders receiving a funds transfer credit through the Peregrine™ gateway have access to their money within seconds, 24/7/365 — no waiting on traditional ACH timelines or paper checks. Businesses settle their gateway activity through an ACH net settlement process at the end of each business day.

Which networks does Peregrine™ support?

The ATM gateway connects to more than 10 networks, including Visa®/Plus®, Mastercard®/Cirrus®, American Express®, STAR®, PULSE®, AFFN® and benefit cards. The funds transfer gateway connects to Visa®, Mastercard®/Maestro®, PULSE®, STAR® and the SHAZAM payments network, with NYCE® coming soon.

Modern acquiring solutions backed by people who know payments

Peregrine™ acquiring solutions and the Peregrine™ payments gateway were built for regulated environments and high transaction volumes — supported by a team who understands the operational realities financial institutions, fintechs and ATM operators face every day.

From network connectivity to onboarding and compliance support, we deliver the technology and expertise to help you grow.

Ready to take a closer look?

Related Resources

Navigating regulatory uncertainty while gearing up for growth: Why fintechs need a proactive partner to stay compliant and competitive
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White paper: Navigating regulatory uncertainty while gearing up for growth

Explore other Peregrine™ processing solutions

ATM Solutions

High‑performance ATM processing for banks and credit unions — built for uptime, visibility and cardholder access.

Debit Processing Solutions

Modern debit processing that helps banks and credit unions manage issuance, fraud, disputes and performance — all in real time.