Payments for platforms where every participant matters
Marketplaces need to collect from buyers, route value correctly, pay sellers and reconcile flows while engaging participants.
Built for how platforms actually work
A checkout tool solves one moment in a platform's life. The harder problem is everything after it. FinXP is built for the full loop: from pay-in to balance to payout to card access.
Money in from buyers
Collect through card acceptance and alternative payment methods designed for platform pay-ins, with settlement that lands where finance expects it.
Value held and routed correctly
Dedicated Euro accounts hold and route platform funds with clear separation, so refunds, fees and balances stay reconcilable as volume grows.
Money out to sellers
Pay sellers, partners and suppliers across 130+ countries and 60+ currencies, on schedules the platform controls.
Faster access through cards and closed-loop
Issue Mastercard cards for participants and keep value moving in-platform with closed-loop structures where the model fits.
What FinXP provides for marketplaces and platforms
One regulated relationship covering both sides of the platform, combined to fit your settlement structure.
Payment gateway
Collect from buyers with card acceptance and alternative payment methods built for platform pay-ins.
Payment gatewayEuro IBAN accounts
Dedicated accounts to hold, route and settle platform funds, in your company's name.
Euro IBAN accountsCross-border payouts
Pay sellers, partners and suppliers across 130+ countries and 60+ currencies.
Cross-border paymentsCard issuing
Give sellers and users faster access to funds with Mastercard issuing from a Principal Member.
Card issuingBanking-as-a-Service
Embed accounts and closed-loop value movement inside the platform, keeping funds in-ecosystem.
Banking-as-a-ServiceSEPA Direct Debit
Collect recurring platform fees and subscriptions across 41 European countries.
SEPA Direct DebitClosed-loop payments
Keep value moving inside the platform between eligible users and accounts, using external rails only when funds genuinely need to leave.
Closed-loop paymentsOne provider across both sides of the platform
Most platforms end up stitching several providers together: one for acceptance, one for accounts, one for payouts. Every join multiplies reconciliation work and weakens visibility over where funds actually are.
FinXP replaces the stitching with one regulated relationship. Where buyer funds sit, how sellers get paid, how refunds and disputes are handled and how finance reconciles the whole flow are designed as one structure, not bolted together.
- Accounts for approved businesses or users
- Payouts to sellers, partners or suppliers
- Closed-loop payments to keep value in-platform
- Card issuing to give users faster access to funds
- Reconciliation support and clearer operational visibility
Designing a platform payment flow
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01
Map the flow
Buyers, sellers, fees, refunds and settlement timing. We start with how value actually moves through the platform.
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02
Design the structure
Accounts, acceptance, payouts and card access combined into one architecture rather than bolted together.
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03
Onboard the platform
Regulated onboarding based on your model, controls and counterparties, with a straight answer on fit early.
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04
Scale both sides
As buyer and seller volumes grow, the settlement structure and the support grow with them.
What clients say about building on FinXP
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
Platform payments, answered
Pay-ins, seller payouts, refunds, reconciliation, delayed settlement, fragmented providers and cross-border complexity. Most platforms end up stitching several providers together, which multiplies reconciliation work and weakens visibility over where funds actually are.
Payment gateway for buyer pay-ins, Euro IBAN accounts for holding and settlement, cross-border payouts for sellers, card issuing for faster access to funds, and Banking-as-a-Service for closed-loop and embedded structures. Most platforms combine several of these.
Through a regulated onboarding process that assesses the actual model: how funds flow between participants, what controls sit around them and who the counterparties are. FinXP does not decline platforms simply because the flow does not fit a standard merchant template.
Build the full platform flow
From buyer pay-in to seller payout, design it with a team that understands multi-party settlement.