How to choose the best payment gateway for your mobility business?

How to choose the best payment gateway for your mobility business?

As you're getting close to launching your vehicle-sharing business, one of the important decisions is what payment gateway to use. Without one, you won't be able to collect payments from users via app. But choosing the right solution might feel daunting since so many options are available.

The good news is – we've got you covered.

In this article, you'll find an overview of what payment gateways are, what payment processing solutions integrate with ATOM Mobility, and the key factors to consider when choosing a payment gateway for your shared mobility venture.

What is a payment gateway?

Simply put, a payment gateway is the “bridge” between the customers' payment method and your bank account. It's the tool that validates your customer's card details or credentials for online payment methods (e.g., digital wallets such as ApplePay) to ensure that funds can be transferred to you, the operator.

For ATOM Mobility users, there's an option to choose between two types of payment gateways:

Hosted, when the client is taken to an external payment page hosted by the payment gateway provider to enter their payment details, such as credit card information or login credentials (e.g., PayPal or local bank integrations). In our case, the payment page opens in-app, meaning that the end customer won't know the payment takes place outside of the app.

Self-hosted/native SDK integration is when the payment gateway system is integrated into the app, allowing the client to complete the payment without leaving the site.

Most businesses nowadays use such hosted and integrated payment solutions – those are quick and easy to set up, and the solution provider takes responsibility for transaction validation and security.

How do hosted and integrated payment gateways work?

Your business most likely has a bank account used to manage the company's cash flow. It's, for example, where you make and receive payments for invoices issued.

Now, to start accepting payments at scale, you need to set up a payment gateway that will allow you to automate the process of collecting payments. It's impossible to manually prepare and send an invoice to every customer for every ride – those could be thousands of invoices a day for relatively small amounts.

Payment gateways link your bank account with the customer's chosen payment method that they'll be asked to add when downloading your app. From then on, whenever clients use your shared mobility solution, your payment gateway will collect the money, then transfer it to your bank account within few days.

For their service, payment gateway service providers charge a processing fee, which can be either a specific amount or a percentage of the transaction value. The fees vary depending on the service provider, the type of card the client has added, and more.

For example, Stripe’s regualar fee is 1.5% + €0.25 for European cards. For a €4 transaction, they'd charge 1.5% of €4 + €0.25. That's a €0.265 commission in total.

As you estimate your business' expenses and potential profits, such processing fees must be carefully considered. In the shared mobility industry, such microcharges can quickly add up and “eat” as much as 6.6% of your revenue (see the Stripe example above).

Payment gateway providers that integrate with ATOM Mobility

The ATOM Mobility platform integrates with a number of payment gateway solutions, which will allow you to collect payments wherever your business is based. Once you've chosen the one that's right for your business and set up the account, you can connect it to your ATOM Mobility account.

But first things first – here are the many options available to you:

Stripe

Stripe is one of the most popular payment processing solutions worldwide, allowing businesses to accept and manage online payments. It enables businesses to accept credit and debit card payments, digital payments, and more. Stripe also supports Apple Pay, Google Pay, Bancontact, iDEAL and more.

Pros

  • Supports 135+ currencies
  • Easy to set up, with an intuitive user interface
  • Supports a wide range of payment methods
  • Transparent pricing – flat rate per transaction, no monthly fees
  • With the help of ATOM Mobility, you can get a significant discount on transaction fees

Cons

  • Doesn't operate everywhere in the world
  • Fees for international transactions can be higher than competitors'

Payment processing fee (without discounts provided to ATOM Mobility clients):

  • 1.5% + €0.25 for European cards
  • 2.5% + €0.25 for UK cards
  • 3.25% + €0.25 for international cards

Adyen

Adyen is among the largest companies in the payment processing market. This payment processor supports over 250 payment methods, including Apple Pay, Google Pay, PayPal, and Klarna.

Pros:

  • Supports 187 currencies
  • A wide range of payment methods and currencies supported
  • No monthly or setup fees

Cons:

  • Transaction fees may be a bit unpredictable, as they vary a lot depending on the payment method
  • Adyen requires new merchants to have at least 1 000 000 EUR in annual turnover, so it may be complicated to open an account. ATOM Mobility can assist with special conditions, as our customers have no minimum threshold.

Payment processing fee:

  • €0.11 + payment method fee (see here)

Checkout.com

Checkout.com allows merchants to accept payments from a variety of payment methods, including credit and debit cards, various alternative payment methods (PayPal, digital wallets), as well as various local payment methods. Checkout.com has great coverage where Adyen or Stripe do not operate.

Pros

  • Supports transactions in 150+ currencies
  • Easy to set up, clean and intuitive interface
  • Quick payouts

Cons

  • The pricing structure is a bit complex & fees may vary depending on transaction volume
  • Supports 18 payment methods – less than their competitors

Payment processing fees:

  • 0.95% + $0.20 for European cards
  • 2.90% + $0.20 for non-European cards

HyperPay

HyperPay provides payment processing solutions for businesses of all sizes and enables operators to accept both card and digital payments. HyperPay covers the MENA area – Middle East North Africa – and integrates with the ATOM Mobility system.

Pros

  • Easy to set up and integrated with the operator's website or mobile app
  • Supports a wide range of payment options – payment cards, digital wallets, MADA, bank transfers

Cons

  • The pricing structure is a bit complex & fees may vary depending on the payment method and the volume of transactions
  • You can't just create an account – you must get in touch with HyperPay to do it

Payment processing fees:

Depends on the currency and payment method; not stated on the website.

Bambora

A payment processing solution that's available in multiple countries around the world. It offers a range of payment options, including credit and debit cards, e-wallets such as PayPal and Alipay, and more.

Pros

  • Supports payments in multiple currencies
  • Supports a variety of payment options – including AliPay, which is widely popular in China

Cons:

  • Not available in all countries
  • Setting up Bambora can be a bit complex for those with limited technical expertise
  • $49 set-up fee

Payment processing fees:

Fixed fee ($0.10-$0.30) + percentage fee (1.7%-3.9%)

Regional payment solutions

ATOM Mobility integrates with several regional payment gateways, which is helpful for businesses focusing on specific markets. Providing users with an option to pay for your services in their local currency and with a payment method they're familiar with, helps ensure customer satisfaction and loyalty.

Kushki

A payment gateway for businesses in Latin America. Processing fees depend on the country and payment method but typically are between 2.5% and 5% per transaction.

Flutterwave

A payment gateway for businesses in Africa. Transaction fees depend on the payment method and the volume of transactions – usually between 2.9% and 3.8% per transaction.

LiqPay

A payment system is primarily available in Ukraine and other countries in Eastern Europe. Payment processing fee – 1.5% per transaction.

ConcordPay

A payment processing platform that's primarily available to businesses based in Ukraine. Fees for card transactions range from 1.5% to 3%.

Klix

A payment solution for businesses in the Baltic region of Europe. It allows users to make a payment by simply entering their phone numbers. Payment transaction fees start at 1.3% or min. €0.10.

Exezine

A payment gateway that provides online payment solutions for businesses in Azerbaijan. The fee for card transactions is 5%.

Local bank integrations

Another option is to offer your clients to pay through their local bank integration. Since people tend to prefer payment solutions they are familiar with, offering your clients the option to pay through their local bank integration may help you convince new users to give your ride-sharing service a try.

Expressbank

A bank integration primarily for businesses operating in Azerbaijan, Bulgaria and Albania. Fees for card transactions typically range from 0.7% to 1.5%.

PUMB 

A bank integration primarily for businesses operating in Ukraine. Fees for card transactions typically range from 1.5% to 2.5%

First Atlantic Bank

A bank integration for businesses primarily operating across the Caribbean and Central America. Fees for card transactions vary – contact the bank for more information.

New integrations

Currently, the ATOM team is working on 3 new payment integrations so our clients have more options and can find the most suitable solution for them. If you have a preference regarding the payment gateway, you can talk to our team, and we will plan the integration process together.

Key factors to consider when choosing a payment gateway

As you see, there are dozens of payment gateway solutions available. But which one is the one and only for your business? 

Before you make your decision, here are six crucial things to consider:

  1. Stability and SLA - how secure and stable the solution is. This should be the first criterion, as cooperating with an unstable solution will lead to losses. Do other similar businesses use them? Do they have case studies? Does their support answer within a reasonable time?
  2. Costs and fees – what will it cost you to set the solution up? How big are the transaction fees? Are there any additional monthly fees? Try to estimate the volume and value of your monthly transactions – for many payment gateway solution providers, the fees depend on these factors.
  3. Payment methods supported – people are different, and so are their preferences regarding online payments. Some prefer to pay with digital wallets, while others only trust banks and their integrations. The more payment methods you'll be able to offer, the larger audience you'll be able to attract.
  4. Regions operating in – does the chosen payment gateway even work in your region? Also, if you're aiming to build a global ride-sharing business, you may want to select a payment gateway with a worldwide presence. 
  5. Holding time – how long can the funds be cleared and transferred to your bank account take? For most payment gateways, it's usually 3-7 days. Generally, the sooner you receive your money, the easier it will be for you to manage your business.
  6. Currencies supported – check whether your payment gateway supports payments in different currencies. People want to pay in their local currency, so you want to ensure they have such an option.
  7. Security – as a rule of thumb, you want your payment gateway to be level-1 PCI DSS compliant and have fraud detection features.

To sum up

Choosing the most appropriate and cost-efficient payment gateway may feel daunting at first, but the secret to making this process easier is just knowing exactly what you want and need. 

Where is your business going to operate? 
How big is your target market?
How much can you make in your first year in business? Be realistic.
Where do you see your venture in 3-5 years?

By answering these questions, you'll have a clearer picture of what you need from your payment gateway solution provider. 

Good luck!

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Micromobility fleet vehicles: Types, features & best use cases
Micromobility fleet vehicles: Types, features & best use cases

🚲 🛴 E-scooters or e-bikes? Docked or dockless? Every vehicle choice shapes the success of your micromobility business. In this new article, we break down the key micromobility fleet vehicles – their features, best use cases, and how to match them to your city profile. Plus, how ATOM Mobility helps operators manage both scooter and bike fleets in one platform.

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Operators entering the micromobility space today face one major early decision: which vehicles to deploy. Your fleet type affects user experience, operational costs, maintenance needs, and regulatory compliance. Whether you plan to launch e‑scooters, e‑bikes, mopeds, or a mixed fleet, each vehicle category serves a different purpose.

This guide covers the main micromobility fleet vehicles – bike, e‑bike, kick scooter, e‑scooter, moped, and e‑moped – along with their features, common manufacturers, docking options, and ideal use cases.

Understanding the vehicle types

Bike (mechanical bicycle) A standard pedal bicycle with no motor. In shared fleets, mechanical bikes are simple, durable, and cost‑efficient. They require minimal electronics and are ideal for cities with strong cycling infrastructure. They generate lower maintenance costs but depend entirely on rider effort. Normally, user demand for this type of bike is also lower, thus operators can expect lower RPV rate (rides per vehicle per day).

E‑bike (electric bicycle) An electric bike combines pedal power with an electric motor that assists the rider. E‑bikes allow longer trips, easier hill climbing, and broader user appeal. Typical shared e‑bike trips range between 5–10 km. They cost more upfront but often generate higher revenue per ride. Many fleet operators source models from manufacturers such as Segway‑Ninebot, Okai, and Yadea. You can explore available e‑bike hardware options on the ATOM Mobility vehicles page: https://www.atommobility.com/vehicles.

Kick scooter (non‑electric scooter) A kick scooter is manually powered by pushing off the ground. While less common in commercial shared fleets today, they are still used in some controlled campus or tourism environments where low speed and low complexity are priorities.

E‑scooter (electric scooter) E‑scooters are lightweight, battery‑powered vehicles designed for short urban trips, typically under 4 km. They are highly flexible and well suited for dense city centers and first‑mile/last‑mile transport. Modern fleet models include swappable batteries, improved braking systems, suspension upgrades, and integrated IoT modules. Popular manufacturers include Segway‑Ninebot, Okai, and Navee that can also be found at ATOM Mobility. 

Moped (fuel‑powered light motorcycle) A moped is a small motorized vehicle traditionally powered by gasoline, offering higher speeds and longer range than bikes or scooters. In shared mobility, fuel mopeds are becoming less common due to emissions regulations but still operate in some regions.

E‑moped (electric moped) An e‑moped is an electric version of a traditional moped. It provides longer range and higher speed than e‑scooters, often up to 45 km/h depending on local regulations. E‑mopeds are ideal for suburban areas or cities with longer commuting distances. Manufacturers such as NIU, Silence, Super Soco, and Yadea dominate this segment. 

The table below provides a general comparison of the most common shared mobility vehicle types, including typical purchase prices, expected service life in commercial fleets, and average utilization (rides per vehicle per day). Actual figures vary depending on manufacturer, market, operating conditions, and fleet maintenance.

Shared mobility fleet economics: purchase price, lifespan, and rides per vehicle per day, comparing bikes, e-bikes, e-scooters, and mopeds.
Vehicle Purchase price (new) Purchase price (used) Fleet lifespan Rides per day (RPV)
Mechanical bike €300–500 €100–300 5–8 years 1–3
E-bike €900–1,300 €400–800 4–8 years 2–5
E-scooter €500–1,200 €200–600 3–8 years 3–6
Fuel moped €1,500–2,500 €700–2,000 4–7 years 2–5
E-moped €1,800–2,500 €700–1,500 4–7 years 2–5

Approx. new purchase price – The typical cost of purchasing a new commercial-grade vehicle for a shared mobility fleet. Prices vary depending on the manufacturer, hardware specifications, battery capacity, IoT integration, and fleet order size.
Approx. used purchase price – The typical market price of a pre-owned commercial vehicle suitable for shared mobility operations. Factors such as vehicle age, mileage, battery health (for electric vehicles), overall condition, and refurbishment status significantly influence the price.
Typical fleet lifespan – The average period a vehicle remains economically viable in a shared mobility fleet before being retired or replaced. Lifespan depends on ride frequency, maintenance quality, weather conditions, road infrastructure, vandalism, accidents, and how intensively the fleet is operated.
Average rides/day/vehicle (RPV) – Rides Per Vehicle per Day (RPV) is one of the most important performance metrics for shared mobility operators. It measures the average number of completed trips each vehicle performs daily. Higher RPV generally leads to better fleet utilization, faster return on investment, and improved profitability. Actual RPV varies depending on vehicle type, city size, demand, seasonality, pricing strategy, fleet availability, and operational efficiency.

Docked vs dockless infrastructure

Beyond vehicle choice, parking strategy matters. Dockless fleets offer flexibility but may create parking compliance challenges. Docked systems use physical stations that improve order, security, and charging efficiency.

Several manufacturers specialize in docking and locking infrastructure, including KNOT CITY (which recently is out of market), and Kuhmute. These docking systems can improve vehicle organization, reduce vandalism, and simplify charging logistics for e‑bikes and e‑mopeds.

E‑scooters: Best for dense urban zones

E‑scooters work best in compact city centers, student districts, and areas with high short‑trip demand. They require less parking space and are faster to deploy. However, they demand consistent maintenance and battery management.

E‑bikes: Broader demographic appeal

E‑bikes provide greater comfort and stability, making them suitable for older users, tourists, and riders carrying bags. They perform well in cities with established cycling lanes or moderate hills. Although more expensive than scooters, they often achieve longer ride durations and stronger customer loyalty.

E‑mopeds: Extended range and higher revenue potential

E‑mopeds are suitable for cities with wider geography or suburban commuting patterns. They typically deliver higher revenue per trip but require licensing compliance and more robust fleet management.

Matching vehicles to city profiles

Tourist cities often benefit from e‑bikes due to comfort and sightseeing suitability. College towns frequently lean toward e‑scooters because of affordability and convenience. Larger or hilly cities may support mixed fleets. Suburban zones often justify e‑mopeds for longer travel distances.

Climate also influences hardware decisions. Wet or cold regions require sealed wiring, water‑resistant components, and tires suitable for slippery conditions.

Planning your hardware strategy

Choosing the right fleet is not only about vehicle type. It involves sourcing reliable manufacturers, evaluating docking options, understanding regulatory requirements, and planning maintenance cycles. Reviewing available hardware categories through ATOM Mobility’s vehicles directory can help operators compare models and integrations before committing to a large fleet purchase.

The most successful operators treat fleet composition as flexible. They start with one category and expand based on usage data, seasonality, and rider behavior. A balanced hardware strategy allows adaptation without replacing the entire fleet.

ATOM Mobility supports mixed fleets – including e‑scooters, e‑bikes, and e‑mopeds – within one platform, covering booking, payments, hardware integrations, and analytics. This allows operators to scale gradually while maintaining operational control.

Vehicle choice is not static. As cities evolve and regulations tighten, operators who understand their hardware options and adapt quickly are better positioned for long‑term growth.

Blog
How to launch a taxi business without building everything from scratch
How to launch a taxi business without building everything from scratch

🚕 Getting drivers on the road is not the only thing you need to launch your taxi business. Many new platforms struggle with the same problem – drivers with no demand and riders with no available drivers. Building both at the same time is where most launches fail. This article introduces the key steps to launch a taxi business and avoid the most common mistakes.

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Launching a taxi business today takes more than having drivers. It requires a system that can attract riders, onboard drivers, manage bookings, process payments, and keep daily operations running smoothly as demand grows.

The ride-hailing market is growing fast, while customer acquisition is getting more expensive and more competitive. Technavio estimates the global ride-hailing market will grow by more than $102 billion between 2024 and 2029, which creates room for new operators, but also raises the cost of visibility, paid acquisition, and brand differentiation in crowded markets, according to this ride-hailing services market forecast.

Many operators now launch faster by using ready-made tools instead of building every part from scratch. ATOM Mobility has already helped operators launch mobility businesses in as little as 90 days through a phased rollout covering market validation, legal setup, branding, driver onboarding, and launch execution.

But how to actually launch your business, if you’re not willing to do everything from scratch?

1. Start with a market gap, not with the app

Most taxi businesses do not fail because the app is missing a feature but because there is no clear reason for customers to switch. Before choosing software or recruiting drivers, define where your opportunity is. That could mean:

  • poor service in smaller cities
  • premium airport rides
  • business travel
  • women-only rides
  • scheduled transport
  • local business transport partnerships

This matters more than most expect. Your pricing, branding, driver experience, and customer acquisition all depend on the niche you choose. That is why defining a clear angle early matters, especially in crowded markets.

2. Get legal and operational basics in place

A taxi business is still a regulated business. Before launch, you need to set up the basics properly:

  • business registration
  • local taxi or ride-hailing permits
  • insurance
  • driver requirements
  • vehicle checks
  • payment compliance

Skipping this part slows everything down later.

This is also the stage where many founders underestimate operating costs. Beyond software, you will need to plan for driver incentives, support, payment processing, and customer acquisition. That is one reason many operators now launch with white-label software instead of funding a custom build from day one.

3. Launch with ready-made software, not custom development

Building a taxi app from scratch is expensive (in many cases we see it costs more than 30 000 -50 000 EUR), slow (takes many monhts), and usually unnecessary. To launch a working taxi business, you need:

  • rider app
  • driver app
  • dispatch logic
  • payment system
  • admin dashboard
  • support tools
  • analytics
  • integrations

Most early-stage operators do not need to build these systems themselves but a working infrastructure they can brand and launch quickly. That is why many operators start with ATOM Mobility, where the full system already includes rider and driver apps, dispatch tools, payments, analytics, integrations and backend operations in one platform. This is the same logic behind building a branded taxi service with white-label software instead of spending months on custom development.

Driver app by ATOM Mobility

4. Make driver onboarding simple from day one

Driver onboarding needs to be fast and easy enough that drivers can register, upload documents, get approved, and start working without delays. But if onboarding takes too long, drivers drop off before they complete their first ride.

A strong launch setup should include:

  • fast registration
  • document upload
  • quick approval flow
  • simple earnings tracking

This is also where the ATOM Mobility driver app becomes important, since it gives drivers one place to accept rides, navigate, manage earnings, and stay active without switching between tools.

5. Give users more than one way to book

Many taxi businesses still focus only on app installs but that is a mistake. Not every rider wants to download an app before booking a ride. This is especially true for airport pickups and tourists in general, hotel guests, older riders, and occasional users. That is why booking flexibility is important. Alongside mobile apps, many operators now add browser-based booking so riders can order without installing anything.

This is what ATOM introduced with its Web Booker for ride-hail, which gives operators a simple way to capture web traffic, direct bookings, and one-time users without forcing an app download.

Web booker by ATOM Mobility

6. Build supply and demand at the same time

You need both, drivers and riders, to be interested in your service from day one – drivers will not stick around without rides and riders won’t pick you if there are no available drivers.

That means:

  • recruit drivers before launch
  • pre-seed rider demand
  • test dispatch density
  • launch in one focused zone first
  • avoid expanding too early

This is one reason local launches tend to perform better than city-wide launches. Smaller launch zones create stronger supply-demand density and better first user experience.

7. Plan marketing before launch, not after

Most taxi businesses fail because not enough people know they exist, not because they lack great technology. Founders often spend months building operations, then treat marketing as something to figure out later, which can become an aspect in which the expenses start rising fast.

You need:

  • launch campaigns
  • local paid ads
  • rider promos
  • referral loops
  • landing pages
  • retargeting

ATOM now offers a dedicated marketing agency for mobility businesses, built specifically for operators who need help acquiring riders, running paid campaigns, and building predictable demand. Without consistent rider acquisition, even a strong product struggles.

8. Think beyond taxis from the start

Many operators launch with taxis first, then expand into extra services once demand is stable.

That could mean:

  • airport transfers
  • scheduled rides
  • delivery
  • business transport
  • shuttle services
  • car sharing or rental
  • micromobility

This is one of the strongest advantages of launching on flexible mobility software. You are not building a single-use taxi app but a mobility platform that can grow. That is also why ATOM’s ride-hailing platform was built to integrate with broader shared mobility services instead of staying limited to one transport model.

If you’re launching a taxi business, building the right system usually is more important than building a software from scratch. The strongest operators start with a clear market gap, launch with ready-made tools, onboard drivers quickly, give riders flexible booking options, and invest in demand early.

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