PayRate42 is a CyberFinance rating agency with the mission to support merchants and consumers when choosing a payment processor or merchant service provider. We are systematically screening the market for payment processors and FinTechs. We check them and give them a compliance rating based on the traffic light system with green, orange, and red. For the really bad and illegally acting PayTechs and FinTechs, we have introduced the black color. Here is the video to explain our rating system.