Payment gateway infrastructure for merchants, platforms and developers
Accept payments online, mobile and in person, connected to the settlement, reporting and reconciliation behind every transaction.
More than a checkout page
Payment acceptance is only one part of the payment journey. Behind every successful transaction are authorisation flows, fraud controls, reporting, reconciliation, settlement logic, exception handling and operational support.
FinXP's gateway capability is designed to help businesses understand and manage the full journey: accepting payments across the channels that matter, connecting acceptance to accounts and payouts where appropriate, and giving internal teams the information they need with fewer manual workarounds. Merchant accounts are provided by our regulated partners, who are Principal Members of Visa and Mastercard.
- Card acceptance and relevant alternative payment methods
- Online, mobile and physical point-of-sale journeys where supported
- Fraud, authentication and transaction monitoring controls
- Settlement and reconciliation reporting
- Integration support from scoping through to go-live
Integrate the way your stack already works
Whether you sell through a hosted platform or build your own payment journeys, there is a defined route from scoping to live acceptance.
Designed for CFOs, product teams and operations teams
Different teams need different answers from a payment gateway. FinXP's gateway proposition is designed to speak to all three.
Clarity for CFOs
Costs, controls, settlement timing and financial reporting you can put in front of the board without caveats.
Integration for product teams
Clear integration routes, reliable documentation and a defined implementation path from scoping to launch.
Control for operations
Visibility, exception handling and fewer manual interventions once transactions are live.
Fraud and authentication
Payment flows that support conversion while maintaining appropriate controls over fraud, authentication and transaction monitoring.
Settlement clarity
Understand how accepted payments convert into settled funds, across multiple methods, markets and higher transaction volumes.
Connected reconciliation
Align gateway activity with accounts, payouts and reconciliation so finance teams are not stitching separate systems together by hand.
From checkout to your Euro account
Follow a card payment from acceptance through to safeguarded settlement and reconciled payout.
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01 Collect
Card payments are captured online and in person.
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02 Safeguard
Transaction funds are safeguarded ahead of settlement.
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03 Reconcile
Settlement and fees are reported for each batch.
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04 Pay out
Net proceeds settle to your Euro IBAN.
FinXP is an EMI, not a bank. Transaction funds are safeguarded ahead of settlement.
The infrastructure merchants and platforms depend on
Acceptance backed by a regulated European payments provider with real volume behind it.
Card acceptance and relevant alternative payment methods, confirmed with you during scoping.
Payment volume moving across FinXP rails every year.
A regulated provider with operational history behind the acceptance layer.
Acceptance connected to Euro accounts and settlement across the SEPA area.
A gateway connected to the wider payment stack
For many businesses, the gateway is only the starting point. Once a payment is accepted, funds may need to be settled, reconciled, held in accounts, paid out to suppliers, routed to partners or reported to finance teams.
FinXP's broader payment capabilities let businesses think beyond acceptance alone. Where relevant, gateway flows can be connected with accounts, payouts and other payment services, creating a more joined-up operating model with a clearer view of how payments move through the business, from customer payment to back-office reconciliation.
From scoping to go-live
Developer confidence from the start: a clear route to documentation, technical guidance and integration support.
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01
Scope your acceptance requirements
Walk us through your customer journeys, payment methods, markets and volumes. We help define the right approach for your commercial model and risk profile.
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02
Agree the integration route
Product and technical teams get documentation, technical guidance and a clear implementation path into your existing stack.
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03
Test with support
Work with the FinXP team through integration and testing so the payment layer behaves as expected before launch.
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04
Go live and settle with clarity
Accept payments with visibility over authorisation, settlement and reconciliation as volumes grow.
Payment gateway, answered
Merchants, platforms, PSPs and developers that need payment acceptance capability can use the FinXP gateway, subject to onboarding and product fit. It is built for businesses that need more than a checkout page: acceptance connected to settlement understanding, reporting, reconciliation, fraud controls and integration support.
FinXP can support payment acceptance across online, mobile and physical point-of-sale journeys where supported for your business model. The exact channels and payment methods available depend on onboarding, risk assessment, availability and applicable scheme and regulatory requirements, and are confirmed with you during scoping.
When payment flows are material to revenue and customer experience, regulation, controls and operational discipline matter. A regulated European payments provider brings fraud controls, compliance oversight and operational support to the acceptance layer, rather than leaving your business to manage those risks alone.
Build a payment flow that works beyond checkout
Your gateway should help your business accept payments, understand settlements, manage operations and scale with confidence. Speak to FinXP about connecting acceptance, accounts, payouts and reconciliation into one clearer payment journey.