Shift4

Payment service provider · Center Valley, United States

Shift4 is an American merchant acquirer and commerce technology company listed on the New York Stock Exchange under the ticker FOUR. It processes card payments and sells point of sale systems, gateways and e-commerce tools to restaurants, hotels, stadiums, leisure venues and online retailers. In the second quarter of 2026 it handled USD 61 billion of payment volume and reported gross revenue of USD 1,295 million. It is not a bank and does not offer business current accounts, deposits or lending; a company deals with Shift4 to accept card payments, not to hold its money. European and cross-border e-commerce capacity came from Finaro in 2023, and tax free shopping and currency conversion from Global Blue in 2025.

Legal name: Shift4 Payments, Inc.
Regulated by: US Securities and Exchange Commission (NYSE: FOUR), Card network rules (Visa, Mastercard) as a registered acquirer, European banking supervision through the acquired Finaro business
Licence confirmed: yes, on a regulator's own list
Established: 1999
Website: www.shift4.com

Scores, 0 to 10

8.5Accept crypto payments

Since October 2024 Shift4 merchants can accept 100+ coins and stablecoins at checkout and point of sale next to cards, linked through a Mesh wallet connector, with automatic conversion and settlement in US dollars or in stablecoins; no crypto fee table is published and fiat settlement is USD only. · source

8.0Stablecoins (USDC, USDT and others)

Since 22 December 2025 merchants can opt to be settled in USDC, USDT, EURC or DAI on Ethereum, Solana, Polygon, Base, Stellar, TON or Plasma, 24/7, instead of a bank transfer, and customers can pay in USDC and USDT. · source

7.5United States

The United States is the home market, with USD 61 billion of quarterly volume and a merchant base across restaurants, hotels and venues, though Shift4 holds no bank charter and provides no accounts. · source

7.0Financial strength & stability

Listed on the NYSE and in the S&P 400, with total assets of USD 8,699 million, equity of USD 1,735 million and full year 2026 adjusted EBITDA guidance of USD 1.15 to 1.18 billion. · source

6.5Europe (EU, EEA, Switzerland)

European acquiring runs through Finaro, bought in October 2023 and described by Shift4 as a fully licensed bank, and Shift4 One went live in Ireland, Spain and Germany in July 2026 with 15 countries targeted by year end. · source

6.5Customer satisfaction

Trustpilot rates Shift4 4.2 out of 5, described on the page as Great, with recent reviews split between praise for named account managers and complaints about support waits. · source

6.0United Kingdom

Shift4 One launched in the United Kingdom on 14 July 2026 combining payments, currency conversion and tax free shopping on one device, but Shift4 offers no UK business account. · source

6.0Online businesses: e-commerce and SaaS

Finaro brought cross-border e-commerce acquiring, Shift4Shop came from the 3dcart purchase, and Global Blue adds tax free shopping and currency conversion on USD 61 billion of quarterly volume. There is an e-commerce gateway and the Shift4Shop platform, but a software company gets card acceptance, not a USD or EUR receiving account, and no financing on recurring revenue. · source

5.5Canada

The Bambora business serves more than 140,000 merchants across the United States and Canada per the second quarter 2026 filing. · source

5.5Off-ramp: crypto to fiat in a business account

Crypto that customers pay to a Shift4 merchant is converted instantly and settled to the merchant's bank account in US dollars, but a business cannot sell crypto it already holds through Shift4. · source

5.0Cross-border payments, FX and multi-currency accounts

Dynamic currency conversion at the point of sale through Global Blue across 52 countries and cross-border e-commerce acquiring from Finaro, but no multi-currency accounts and no published margins. Settlement and currency conversion across many countries, but no multi-currency accounts, no cash pooling and no hedging lines for a corporate treasurer. · source

5.0On-ramp: buy crypto with fiat

Since 2023 Shift4 has offered web3 merchants an embedded fiat-to-crypto on-ramp for their customers built on Zero Hash, but it gives a business no way to buy crypto for its own treasury. · source

4.5Asia-Pacific (SG, HK, AU, JP, KR)

Reach in Asia comes through Global Blue, which operates across Europe, Asia and South America, plus e-wallet distribution deals with Ant International and Tencent. · source

4.5Lowest fees

No merchant price list is published; the checkable figure is that gross revenue of USD 1,295 million on USD 61 billion of volume works out at about 2.1% of volume, of which USD 671 million was network fees. · source

4.0Latin America, Africa & South Asia

Global Blue's 52 country footprint includes South America, but Shift4 names no local acquiring licence or merchant product outside its developed markets. · source

4.0Fast digital onboarding

Shift4 publishes no application time or online sign-up flow for merchants; boarding runs through its sales force and reseller channel. · source

4.0Fintech companies that need a partner bank

Shift4 distributes through software platforms and resellers, but it publishes no safeguarding accounts, sponsor banking or rail access for e-money institutions and payment firms. · source

4.0Foreign-owned & non-resident companies

Shift4 boards merchants in the markets where it operates and publishes no policy on foreign-owned or non-resident companies. · source

4.0High-risk verticals (iGaming, cannabis, adult, forex)

Shift4 publishes no prohibited business list, so gambling, adult, cannabis and forex merchants cannot be checked against a stated policy; the Finaro business it bought was a cross-border e-commerce acquirer. · source

4.0Bitcoin

Merchants can accept bitcoin payments, announced in October 2024, but Shift4 converts them to dollars and offers no bitcoin holding, buying or sending for the business. · source

4.0Ethereum

Merchants can accept ether and tokens on Ethereum, Base, Arbitrum, Optimism and Polygon through the wallet connector, converted to dollars, with no ether holding, staking or transfers for the business. · source

3.5Crypto-friendly bank

Shift4 publishes no policy on serving cryptocurrency businesses in the filings and announcements on its investor site, and it provides no accounts, so a crypto firm would be a merchant rather than a client. · source

3.5Startups & VC-backed companies

The target verticals are restaurants, hotels, stadiums and leisure; no startup programme, venture debt or pre-revenue offer appears in company material. · source

2.0Best interest on business balances

Shift4 takes no deposits: the balance sheet holds settlement assets, and no yield or sweep product for merchant balances appears in the 10-Q. · source

1.5Trade, manufacturing & import-export

No letters of credit, guarantees, documentary collections or supply chain finance; Shift4 acquires card payments. · source

1.5Business cards (Visa, Mastercard)

Shift4 acquires card payments for merchants and issues no business debit or credit cards of its own. · source

1.0Crypto wallet and custody for a business

Shift4 offers no crypto custody or wallet: its crypto acceptance converts payments to US dollars so merchants never hold crypto, and its stablecoin settlement pays out to the merchant rather than holding coins, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.