Industries we understand, not just industries we accept
Generic banking works until the model gets interesting. FinXP learns how your business operates before deciding on fit.
The same payment product behaves differently in different hands
A Euro account for an ecommerce merchant and a Euro account for a marketplace look identical on a product page. In operation they are not remotely the same thing: different settlement logic, different reconciliation burden, different counterparty exposure, different regulatory questions.
A provider who does not understand that difference will do one of two things. It will decline you, because the model does not fit a template. Or it will accept you and then discover the complexity later, usually at the point where it becomes your problem.
Understanding your sector before onboarding is not a nicety. It is what determines whether the infrastructure works once the volume arrives.
Find your industry solution
Twelve years of European payments, direct participation in CENTROlink and a team drawn from the sectors we serve. Pick the page that sounds like your business.
Fintechs, PSPs and banks
Euro rails and regulated payment infrastructure for businesses that need licensed capabilities without building them themselves. Direct CENTROlink access, IBAN issuance and SEPA connectivity you can build a product on.
Fintechs, PSPs and banks
Marketplaces and platforms
Accounts, payouts, cards and closed-loop value movement for multi-party businesses. Money in from buyers, money out to sellers, and a settlement structure that holds up when both sides scale.
Marketplaces and platforms
Payroll and contractors
International disbursements and account structures for businesses paying people across borders. Predictable timing, clean reconciliation, and payout infrastructure that does not fail on the last working day of the month.
Payroll and contractors
Digital assets and Web3
Euro payment support for complex regulated models. Fiat on and off ramps, account infrastructure and a provider that has followed the MiCA regime rather than reacting to it.
Digital assets and Web3
Affiliate payouts and partner payments
Publisher and partner disbursements at scale. High volume, many recipients, multiple corridors, and the operational tooling to run it without a manual process behind the scenes.
Affiliate and partner paymentsAd and marketing networks
Incoming funds, settlement logic and counterparty payouts. Complex flows in both directions, with the reconciliation and payout structure to match.
Ad and marketing networks
eCommerce merchants
Acceptance, settlement and growth payment operations. Gateway capability, Euro settlement and a provider that stays engaged as volumes and markets expand.
eCommerce merchantsWhatever the industry, the foundation is the same
Every sector page above stands on the same four things.
A licensed European institution
FinXP is an Electronic Money Institution licensed in Malta and a Mastercard Principal Member, with twelve years of continuous operation behind it.
Infrastructure we own
Direct participation in CENTROlink means Euro payments run on rails we control, not through a chain of intermediaries whose behaviour we cannot influence.
A full capability set
Euro accounts and IBANs, payment gateway, SEPA Direct Debit collections, cross-border payouts and card issuing, combined to fit the sector rather than sold as a template.
Assessment, not labels
We assess businesses on their actual model, controls and counterparties. Not on the industry code sitting at the top of the file.
Twelve years of operating proof
The footprint behind every sector we serve.
Across FinXP payment infrastructure.
Continuous regulated operation since day one.
Operated by clients across Europe.
Through cross-border payout corridors.
Your sector is not listed?
The sectors above are where we have the deepest operating history. They are not the limit of what we will assess.
If your business moves money in a way that generic providers find difficult to categorise, and you are legitimate, regulated where regulation applies, and able to evidence how you operate, the conversation is open. Tell us how the business actually works and we will give you a straight answer on fit, early.
Malta
Austria
Belgium
Bulgaria
Croatia
Cyprus
Czechia
Denmark
Estonia
Finland
France
Germany
Greece
Hungary
Ireland
Italy
Latvia
Lithuania
Luxembourg
Netherlands
Poland
Portugal
Romania
Slovakia
Slovenia
Spain
Sweden
Iceland
Liechtenstein
Norway
United Kingdom
Switzerland
United StatesMaltaAustriaBelgiumBulgariaCroatiaCyprusCzechiaDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIrelandItalyLatviaLithuaniaLuxembourgNetherlandsPolandPortugalRomaniaSlovakiaSloveniaSpainSwedenIcelandLiechtensteinNorwayUnited KingdomSwitzerlandUnited StatesIndustry payments, answered
Because the same payment product carries different risks and different operational requirements depending on the sector using it. Settlement logic, reconciliation complexity, counterparty exposure and regulatory obligations all vary by industry. A provider that does not understand the sector will either decline the business by default or accept it and discover the complexity later, when it has become the client's problem.
Yes. FinXP assesses complex sectors through a regulated onboarding process based on the business's actual model, controls and counterparties rather than accepting or rejecting by industry label alone. Businesses that have been declined elsewhere on the grounds of categorisation can still have a substantive conversation with FinXP.
FinXP serves fintechs, PSPs and banks, marketplaces and platforms, payroll and contractor payment businesses, digital asset and Web3 companies, affiliate payout networks, advertising and marketing networks, and ecommerce merchants across Europe.
Yes. Many FinXP clients arrive having been declined by providers who could not assess their business model. FinXP does not treat a previous decline as disqualifying. It assesses the underlying business, its controls and its regulatory standing.
FinXP provides dedicated Euro accounts and IBANs, payment gateway capability, SEPA Direct Debit collections, cross-border payouts and card issuing. These are configured to the operational requirements of each sector rather than sold as a single fixed package.
Yes. FinXP is authorised as an Electronic Money Institution, regulated by the Malta Financial Services Authority, and is a Mastercard Principal Member.
Your industry, properly understood
Explore the sector pages above, or tell us how your business moves money and get a straight answer on fit, early.