The payment partner built for businesses that do not fit the mould
Twelve years proving that specialist understanding beats exclusion for businesses turned away elsewhere.
Built on solid ground
Twelve years of numbers that hold up. We have run through regulatory change, scheme change and market cycles, and that history is the reason our scheme relationships hold when others are withdrawn.
of continuous European payments operation
across our payment rails
opened and growing
reached by our payout network
Built inside the sectors other providers avoid
Longevity, regulatory standing and direct infrastructure are the foundation. What we are building on top of it is the more interesting part.
How we started
We started as a European payments business serving companies that traditional banks found difficult to categorise: regulated iGaming operators, FX brokers, digital asset firms and cross-border merchants. Not risky businesses. Complex ones. The difference matters, and it is a difference most providers never bother to learn.
Built on solid ground
Over 12 years, we have earned the licences, scheme memberships and direct infrastructure access that turn understanding into capability. FinXP holds an Electronic Money Institution licence in Malta and is a Mastercard Principal Member. We are a direct participant in CENTROlink, which means our clients' euro payments run through our own rails rather than through a chain of intermediaries we cannot see or influence.
Built to serve modern business
Today, FinXP is expanding into card issuing, deepening its European IBAN coverage and investing in the systems that let a client move from first conversation to live payment operations in days rather than quarters. Twelve years of track record and a roadmap that reads like a company at the start of something.
Four principles run through how we work
Payment infrastructure should be robust, regulated and commercially useful: all three, without trade-offs. Clients should feel supported, not processed. And complex sectors should be understood before they are judged.
Solution-driven
We bridge the gap between the client and the problem. When something does not fit the standard product, we look for the route that does, rather than reaching for the decline button.
Adaptive
No two clients arrive with the same flows, the same volumes or the same regulatory shape. Our infrastructure is configured around each business, not the other way round.
Supportive
Payment operations are not a set-and-forget function. We are present when they matter: named contacts, real answers, people who already know your sector before you start explaining it.
Ambitious
We are never finished. New rails, new solutions, new capabilities. Every improvement to our infrastructure is an improvement to our clients' commercial position.
Payment infrastructure equal to your ambition
We work with regulated businesses across Europe that need payment infrastructure equal to their ambition: the payment-intensive companies that fall between the categories the market has agreed to serve.
We onboard faster because we already understand the model. Our teams have spent years inside iGaming, FX, digital assets and cross-border commerce, so the due diligence conversation starts from knowledge, not suspicion.
If your business has been told it is too complicated, we would like to hear from you.
- iGaming operators and affiliate marketeers
- Content creators and creator platforms
- FX and brokerage firms
- Digital asset businesses
- Cross-border merchants and payment-intensive companies
Trusted by thousands of businesses across Europe
As the CEO of an EU based Acquirer, it is always comforting to work with partners that are also regulated within the EU. I am proud to have FinXP as one of our trusted partners and look forward to continue building on the existing relationship that is based on mutual trust and professionalism.
Steve Grech
CEO, acquiring.com
From the start of our partnership in 2018, we found FinXP very efficient and pragmatic. Their professionalism and knowledge of the payment ecosystem has really helped us elevate our services. Their team offer very good advice and their processes are smooth and diligent. I can definitely recommend their services.
Mickael Marceau
Head of Payments, Kindred Group plc
The Megalon Group AG has expressed great satisfaction with the collaboration, adaptability, and high service quality. FinXP has demonstrated remarkable professionalism. Brainstorming solutions and possibilities with them has been a pleasure!
Andreas Meyer
Board of Directors, Megalon Group
About FinXP, answered
FinXP provides business payment infrastructure for European companies. This includes dedicated euro accounts and IBANs, payment gateway capability, SEPA Direct Debit collections, cross-border payouts and card issuing. FinXP serves regulated businesses in sectors that require specialist understanding, including iGaming, FX, digital assets and cross-border commerce.
FinXP is headquartered in Malta and serves clients across Europe, with offices in Cyprus, Lithuania and Germany. FinXP is authorised as an Electronic Money Institution and regulated by the Malta Financial Services Authority.
FinXP has been operating for over twelve years, providing payment services to European businesses throughout that period.
Three things: a twelve-year operating track record in European payments, direct participation in CENTROlink for euro payment processing, and genuine sector expertise that enables faster onboarding for businesses other providers find difficult to assess.
FinXP works with regulated businesses across Europe, including marketplaces and platforms, payroll and contractor payments, affiliates, ad and marketing networks, and eCommerce merchants, alongside fintechs, PSPs and other payment-intensive businesses.
Meet the team behind the rails
Twelve years in, and the more interesting chapter is the one ahead. Tell us how your business moves money and we will tell you, honestly, how we can help.