One regulated relationship for the way your business moves money
Collections, accounts, payouts, cards, settlement and reconciliation happen at once, in one regulated FinXP structure.
Start with the payment flow causing friction now
Three quick questions. No form, no contact details, just the product page you should actually be reading and the fastest route to the right person.
Where is the friction right now?
Which best describes your business?
Where are you today?
Explore the solutions
Six core capabilities, each strong on its own and stronger when connected.
Euro IBAN accounts
Dedicated Euro IBAN accounts for businesses that need clearer access to European payment rails: SEPA transfers, supplier payments, customer receipts and wider Euro operations from one regulated account.
Explore Euro IBAN accountsCard issuing
Branded Mastercard debit card programmes for employees, customers, platform users or programme participants. Physical, virtual or both, with funding logic, authorisation controls and reporting designed in.
Explore card issuingCross-border payouts
International disbursements through FinXP PLUS, with greater visibility over destination, currency and route. Built for affiliates, marketplace sellers, contractors, suppliers and commercial partners.
Explore cross-border payoutsPayment gateway
Acceptance infrastructure for merchants, platforms and developers. Online, mobile and point-of-sale flows where supported, connected to settlement, reporting, reconciliation and fraud controls.
Explore the payment gatewaySEPA Direct Debit
Recurring bank-to-bank collections across Europe, built around authorised customer mandates. Ideal for subscriptions, invoice cycles, memberships and scheduled account-based charges.
Explore SEPA Direct DebitBanking-as-a-Service
Embedded accounts, payments, payouts and cards under the FinXP infrastructure, for fintechs and platforms building payment capability into their own product without building every regulated component from scratch.
Explore Banking-as-a-ServiceThe bridge between banking and payments
Payment infrastructure becomes difficult when money needs to move across multiple parties, jurisdictions, rails and use cases. FinXP helps businesses design the payment model around the real flow of funds, not around a generic product catalogue. One relationship, and the products connect.
A marketplace connects the full flow
Accept payments, hold balances, settle sellers and pay out internationally, all inside one regulated relationship instead of four separate providers that never talk to each other.
A merchant joins acceptance to collections
Ecommerce acceptance with settlement clarity, paired with SEPA Direct Debit for recurring revenue, reconciled through one account structure rather than stitched together by hand.
A platform embeds the infrastructure
User accounts, internal transfers, card access and reconciliation built into the product experience under an approved Banking-as-a-Service model.
A fintech builds under one structure
Embedded accounts, SEPA payments, payouts and card programmes under a regulated structure, without building every regulated component from the ground up.
More ways to build
Specialist capabilities for programmes with their own shape.
BIN sponsorship
Launch card programmes under FinXP's Mastercard Principal Membership without holding your own scheme licence.
Explore BIN sponsorshipClosed-loop payments
Purpose-built payment ecosystems where funds move within a defined network of users, merchants or venues.
Explore closed-loop paymentsUse one capability or build the full flow
A business may start with a Euro IBAN account, then add SEPA Direct Debit. A platform may begin with cross-border payouts, then add card issuing. A fintech may start with embedded accounts, then expand into SEPA payments, cards and reconciliation.
The strength of the FinXP model is not that every client must use every product. It is that the products can connect when the commercial case is clear. That gives businesses room to solve the immediate problem first, then build a broader payment flow over time.
- A regulated European payments partner
- Euro account and SEPA payment capability
- Card issuing and programme design support
- Cross-border payout and acceptance infrastructure
- Embedded payment capability for platforms and fintechs
One Euro payment flow, end to end
Whichever solution you start with, funds move through the same regulated flow: collected, safeguarded, reconciled and paid out.
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01 Collect
Money in by SEPA credit transfer or card payment.
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02 Safeguard
Client funds held separately, safeguarded with credit institutions.
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03 Reconcile
Payments matched and reported against each account.
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04 Pay out
SEPA transfers sent across the Euro area.
FinXP is a regulated EMI. Client funds are safeguarded, not held as bank deposits.
Trusted by 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
Choosing your solution, answered
Start from the commercial problem. If you need to accept payments, consider the payment gateway. If you need to collect recurring revenue, look at SEPA Direct Debit. If you need to hold Euro balances and make SEPA payments, look at Euro IBAN accounts. If you need to pay internationally, look at cross-border payouts. If you need to issue cards, look at card issuing. If you need payment capability within your own platform, consider Banking-as-a-Service. FinXP can help you scope the right starting point before you commit to a structure.
Yes. FinXP solutions can be used individually or combined into broader money movement flows, subject to onboarding, eligibility, product scope and approval. For example, a business may use Euro IBAN accounts with SEPA payments, add SEPA Direct Debit for collections, enable cross-border payouts for international disbursements, or integrate card issuing into a broader platform model.
No. FinXP does not need to sell every capability at once. The stronger approach is to start with the payment flow causing friction now, then expand only when there is a clear operational or commercial reason to do so.
Yes. FinXP can support platforms and marketplaces that need payment accounts, collections, payouts, card issuing, reconciliation and embedded payment flows, subject to the approved model. The right structure depends on the platform's users, transaction flows, jurisdictions, risk profile and operational requirements.
The first step is scoping. FinXP will need to understand your business model, users, jurisdictions, payment flows, volumes, risk profile, technical requirements and operational needs. From there, FinXP can help assess which solutions are appropriate and what approvals or controls may be required.
Build around the way money actually moves
Your payment infrastructure should support how your business receives, holds, moves, collects and pays money. Start with the flow that hurts most, and expand from there.