# PXP

> PXP is an enterprise payments infrastructure platform that enables online, in-store, and cross-border commerce through a single integration. It serves mid-market and enterprise merchants across retail, gaming, hospitality, cruise, and travel verticals.

PXP provides a unified commerce platform built on cloud-native, microservices architecture. Merchants connect once to access payment orchestration, multi-acquirer routing, fraud prevention, tokenisation, DCC, and business intelligence. PXP is authorised by the Financial Conduct Authority (FCA Register No. 504318) and processes over €30 billion annually. Clients include BetMGM, Chipotle, Entain, and Abercrombie & Fitch.

## Platform Solutions

- [Platform Overview](https://www.pxp.io): One integration unlocking online, in-store, and cross-border commerce. Cloud-native, AI-enhanced, developer-first.
- [eCommerce Payments](https://www.pxp.io/ecommerce): Multi-currency checkout, alternative payment methods, smart routing, and direct API integration.
- [POS Payment Experience](https://www.pxp.io/pos-payment-experience): Next-generation point-of-sale hardware and software across standalone and integrated configurations.
- [Hardware](https://www.pxp.io/hardware-page): POS terminal hardware catalogue including device specifications and supported configurations.
- [Standalone POS](https://www.pxp.io/standalone-pos): Standalone payment terminal solutions for businesses needing independent POS acceptance.
- [Integrated POS Plus](https://www.pxp.io/integrated-pos-plus): Integrated POS solutions connecting payment processing with third-party POS software and property management systems.
- [Card Acquiring](https://www.pxp.io/card-acquiring): Integrated acquiring with intelligent transaction routing to optimise approval rates and reduce processing costs.
- [Cross-Border Payments](https://www.pxp.io/cross-border-product): Fast, transparent international money movement through one unified platform.
- [Conversion Optimisation](https://www.pxp.io/conversion-optimisation): Tools and features designed to increase payment acceptance rates and reduce checkout abandonment.
- [Alternative Payment Methods](https://www.pxp.io/apm): Broad catalogue of local and global payment methods through one integration.
- [Risk Management](https://www.pxp.io/risk-management): Real-time fraud prevention, risk scoring, and configurable rules engine.
- [Omnichannel Tokenisation](https://www.pxp.io/omnichannel-tokenisation): Unified token vault across online and in-store channels for frictionless recurring payments and improved security.
- [Smart Routing](https://www.pxp.io/smart-routing): Rules-based and AI-assisted transaction routing across multiple acquirers to maximise conversion.
- [Business Insights](https://www.pxp.io/business-insights): Real-time transaction data, reporting dashboards, and analytics to support operational and strategic decisions.
- [3DS Authentication](https://www.pxp.io/3ds-authentication): 3D Secure 2.x authentication, exemption handling, and frictionless flow configuration for online payments.
- [Payment Methods Directory](https://www.pxp.io/payment-methods): Full catalogue of supported card networks and alternative payment methods.

## Alternative Payment Methods

- [Apple Pay](https://www.pxp.io/apm/apple-pay)
- [Google Pay](https://www.pxp.io/apm/google-pay)
- [PayPal](https://www.pxp.io/apm/paypal)
- [Klarna](https://www.pxp.io/apm/klarna)
- [Trustly](https://www.pxp.io/apm/trustly)
- [iDEAL](https://www.pxp.io/apm/ideal)
- [Skrill](https://www.pxp.io/apm/skrill)
- [Neteller](https://www.pxp.io/apm/neteller)
- [Bancontact](https://www.pxp.io/apm/bancontact)
- [PaySafeCard](https://www.pxp.io/apm/paysafecard)
- [Venmo](https://www.pxp.io/apm/venmo)
- [PIX](https://www.pxp.io/apm/pix)
- [AstroPay](https://www.pxp.io/apm/astropay)
- [AirCash](https://www.pxp.io/apm/aircash)
- [EPS](https://www.pxp.io/apm/eps)
- [Euronet Voucher](https://www.pxp.io/apm/euronet-voucher)
- [LuxonPay](https://www.pxp.io/apm/luxonpay)
- [PayWithMyBank](https://www.pxp.io/apm/paywithmybank)
- [VIP Preferred](https://www.pxp.io/apm/vip-preferred)
- [Sightline](https://www.pxp.io/apm/sightline)
- [Flash1](https://www.pxp.io/apm/flash1)
- [iPay](https://www.pxp.io/apm/ipay)
- [Tappp](https://www.pxp.io/apm/tappp)

## Industries

- [Retail](https://www.pxp.io/retail): Unified commerce for retail brands, supporting omnichannel journeys from online checkout to in-store POS.
- [Gaming](https://www.pxp.io/gaming): Payment infrastructure for online gaming and gambling operators, with compliance support and high-volume processing. Includes US iGaming expansion.
- [Hospitality](https://www.pxp.io/hospitality): Integrated payments for hotels, restaurants, and leisure businesses, with property management system integrations.
- [Cruise](https://www.pxp.io/cruise): Onboard and pre-trip payment solutions for cruise operators, including forced store-and-forward for embarkation.
- [Travel](https://www.pxp.io/travel): Payment processing for airlines, OTAs, and travel management companies.

## Partners

- [Partner Program](https://www.pxp.io/partners): Technology, referral, and reseller partnerships. 30+ industry partner integrations.
- [Partnerships Program Details](https://www.pxp.io/pxp-partnerships-program): Program structure, benefits, and application process for prospective partners.
- [High-Risk Partners](https://www.pxp.io/high-risk-partners): Partner program for high-risk merchant categories.

## Company

- [Our Story](https://www.pxp.io/our-story): Company background, mission, and platform philosophy.
- [Client Journey](https://www.pxp.io/client-journey): How merchants onboard, integrate, and scale with PXP.
- [Careers](https://www.pxp.io/career): Open roles and company culture.
- [Contact Sales](https://www.pxp.io/contact-sales): Enterprise and mid-market sales inquiries.
- [Contact Support](https://www.pxp.io/contact-support): Existing merchant and technical support.
- [Get PXP](https://www.pxp.io/get-pxp): Platform access and onboarding entry point.
- [PXP Launch Pad](https://www.pxp.io/pxp-launch-pad): Accelerated onboarding program for new merchants.
- [Newsroom](https://www.pxp.io/newsroom): Press releases, partnership announcements, and company news.

## Resources

- [Blog](https://www.pxp.io/blog): Payments industry commentary, product updates, and merchant guides covering eCommerce, POS, fraud, open banking, and omnichannel commerce.
- [Guides & eBooks](https://www.pxp.io/guides): In-depth educational resources on payments architecture, compliance, vertical-specific payment strategies, and operational best practices.

## Selected High-Value Blog Content

- [Standalone POS vs Integrated POS](https://www.pxp.io/blog/standalone-pos-vs-integrated-pos): Decision framework for choosing between standalone and integrated POS configurations.
- [Payment Gateway](https://www.pxp.io/blog/payment-gateway): What a payment gateway is, how it works, and how to evaluate providers.
- [Cross-Border Payments](https://www.pxp.io/blog/cross-border-payments): How cross-border payment infrastructure works and key considerations for global merchants.
- [Omnichannel Commerce](https://www.pxp.io/blog/omnichannel-commerce): What omnichannel commerce means in practice and how payments enable it.
- [Payment Tokenization](https://www.pxp.io/blog/payment-tokenization): How tokenisation works and why it matters for security and recurring payments.
- [PCI Compliance](https://www.pxp.io/blog/pci-compliance): PCI DSS requirements, who they apply to, and how to maintain compliance.
- [Merchant Guide to PSD2, SCA, and 3DS](https://www.pxp.io/blog/the-merchants-guide-to-psd2-sca-and-3ds): PSD2, Strong Customer Authentication, and 3DS2 implementation for merchants.
- [How to Improve Online Conversion](https://www.pxp.io/blog/how-to-improve-online-conversion): How transaction routing and checkout optimisation improve approval rates.
- [iGaming Payment Solutions](https://www.pxp.io/blog/igaming-payment-solutions): Payment considerations specific to online gaming and sports betting operators.
- [Everything You Wanted to Know About Chargebacks](https://www.pxp.io/blog/everything-you-wanted-to-know-about-chargebacks): Complete guide to chargebacks, dispute management, and prevention strategies.
- [Embedded Payments](https://www.pxp.io/blog/embedded-payments): What embedded payments are and how they apply to platform businesses.
- [Open Banking](https://www.pxp.io/blog/open-banking): Open banking payment methods, how they work, and merchant use cases.
- [Microservices Architecture at PXP](https://www.pxp.io/blog/embracing-microservices-for-growth-at-pxp-financial): How PXP built its platform on standalone microservices for scalability and reliability.
- [Unified Commerce](https://www.pxp.io/blog/unified-commerce): The architecture and business case for unified commerce across channels.
- [Payment Risk Management](https://www.pxp.io/blog/payment-risk-management): Frameworks and tools for managing payment risk at scale.
- [Smart Routing and Connected Commerce](https://www.pxp.io/blog/how-payments-can-help-deliver-connected-commerce): How payments infrastructure enables connected commerce strategies.
- [Tokenisation for Cruise Operators](https://www.pxp.io/blog/tokenisation-for-cruise-operators): How tokenisation solves onboard and multi-voyage payment challenges.
- [Tokenisation for Hoteliers](https://www.pxp.io/blog/tokenisation-for-hoteliers): How hotel groups use tokenisation for pre-authorisation, no-shows, and guest loyalty.
- [Payments in the US Gaming Industry](https://www.pxp.io/blog/the-exciting-growth-of-payments-in-the-us-gaming-industry): Market overview and payment infrastructure requirements for US iGaming.
- [Gaining Visibility with Observability at PXP](https://www.pxp.io/blog/gaining-complete-visibility-how-observability-powers-pxps-unity-platform): How PXP uses Splunk and event processing for platform reliability.

## Selected Guides

- [Card Acquiring Guide](https://www.pxp.io/guides/card-acquiring-guide): How card acquiring works, including 3-party and 4-party models.
- [Demystifying 3-Party and 4-Party Card Acquiring](https://www.pxp.io/guides/demystifying-3-party-and-4-party-card-acquiring-models): Technical breakdown of acquiring models and how to choose between them.
- [Gateway vs Collection Guide](https://www.pxp.io/guides/gateway-vs-collection-guide): How payment gateway and aggregation models compare for different business types.
- [Choosing the Right POS Payment Solution](https://www.pxp.io/guides/pos-guide-choosing-the-right-pos-payment-solution): Framework for evaluating and selecting POS payment infrastructure.
- [How to Optimise Conversion Rate and Approval Rate](https://www.pxp.io/guides/how-to-optimise-your-conversion-rate-and-approval-rate): Tactical guide to improving payment acceptance and checkout performance.
- [Risk Guide](https://www.pxp.io/guides/risk-guide-protect-your-business-and-customers): Protecting your business and customers from fraud and payment risk.
- [Strong Customer Authentication FAQ](https://www.pxp.io/guides/strong-customer-authentication-faq): SCA requirements, exemptions, and implementation guidance for merchants.
- [Switching Payment Providers](https://www.pxp.io/guides/what-should-you-know-when-switching-payment-providers): What to evaluate and prepare for when migrating payment providers.
- [Gaming Payments Guide](https://www.pxp.io/guides/gaming-guide): Payment strategy for online gaming operators, including player retention and APM selection.
- [Hospitality Payments Guide](https://www.pxp.io/guides/hospitality-guide): Payment infrastructure considerations for hotels, spas, and hospitality groups.
- [Cruise Payments Guide](https://www.pxp.io/guides/cruise-ships-guide): Onboard and shoreside payment solutions for cruise operators.
- [Abercrombie & Fitch Case Study](https://www.pxp.io/guides/pxp-x-abercrombie-fitch-case-study): How PXP supports Abercrombie & Fitch's omnichannel commerce operations.
- [The Rock Hotel Gibraltar Case Study](https://www.pxp.io/guides/the-rock-hotel-gibraltar-case-study): Hospitality payment transformation case study.
- [Open Finance Whitepaper](https://www.pxp.io/guides/open-finance-whitepaper): Industry analysis on the transition from open banking to open finance.
- [The Future of Business Payments 2025](https://www.pxp.io/guides/the-future-of-business-payments-2025-technology-transformation): Technology and infrastructure trends shaping payment systems in 2025.
- [In-Store Digitisation Guide](https://www.pxp.io/guides/in-store-digitisation): How retailers digitise in-store payment experiences to compete with online commerce.
- [PXP and DisputeHelp: Transforming Chargeback Management](https://www.pxp.io/guides/pxp-and-disputehelp-transforming-chargeback-management): How PXP and DisputeHelp work together to automate chargeback management.
- [Retail in the Age of AI](https://www.pxp.io/guides/retail-in-the-age-of-ai): How AI is reshaping retail payments and merchant operations.

## Technical Context

PXP operates payment gateway, payment aggregation, and direct acquiring models. Merchants can use one or multiple models simultaneously. The platform supports:

- Direct API integration and hosted checkout pages
- POS integration via direct hardware or third-party POS software and property management systems
- Webhooks and Splunk integration for operational monitoring and observability
- Multi-currency processing and multi-currency settlement
- Unified token vault spanning online and in-store environments (Visa-accredited Token Service Provider)
- Configurable risk and fraud rules engine with real-time scoring
- 3D Secure 2.x authentication with SCA exemption handling and frictionless flow
- Certified Google Pay and Apple Pay payment service provider
- Snowflake integration for merchant data analytics
- SOC 2 certified
- PCI DSS compliant

PXP is headquartered in Hertfordshire, UK, with five global offices: London, Vienna, Sofia, Hyderabad, and US operations supporting iGaming expansion across multiple states.

## Legal and Compliance

- [Privacy Policy](https://www.pxp.io/privacy-policy)
- [Terms and Conditions](https://www.pxp.io/termsconditions)
- [Modern Slavery Statement](https://www.pxp.io/modern-slavery-statement)
- [GDPR Rights](https://www.pxp.io/exercise-your-rights-under-gdpr)

## Contact

- Sales: [pxp.io/contact-sales](https://www.pxp.io/contact-sales)
- Support: [pxp.io/contact-support](https://www.pxp.io/contact-support)
- General: [pxp.io/contact](https://www.pxp.io/contact)
- Phone: +44 2038850598