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Collaboration reflects growing demand for payment platforms to support blockchain-based settlement at scale.

PXP, a global omnichannel payment platform processing more than €30 billion annually, today announced a strategic partnership with Stable, a Layer 1 blockchain designed for seamless financial transactions. The collaboration will support stablecoin payment capabilities directly into PXP's existing infrastructure, marking a significant advancement in how merchants can process digital transactions.

The partnership enables PXP to develop a framework for stablecoins within its unified gateway, extending the platform's capabilities beyond traditional payment rails. The work will be focused on ensuring that modern payment infrastructure can accommodate blockchain-based money movement alongside traditional payment rails, as interest and transaction volumes continue to rise.

Stablecoin adoption is accelerating rapidly across global commerce. According to TRM Labs, annual stablecoin transaction volume increased 83% between July 2024 and July 2025, driving demand for enterprise-grade infrastructure built specifically for high-volume, global settlement.

"Stablecoins represent a fundamental change in how businesses can move money globally,” said Alex Apergis, Chief Revenue Officer at PXP. “Partnering with Stable gives us the infrastructure to bring those capabilities into our platform and explore new possibilities for our clients. As a technology company, we don't wait for the market to tell us what's next, we build the foundation that lets businesses move quickly when opportunities arise—this partnership expands what that foundation can support."

For PXP, the partnership represents a strategic expansion of its commerce ecosystem beyond traditional payment processing. The company is building a comprehensive platform that includes complementary products and services, positioning itself to support merchants as digital commerce continues to evolve.

"In teaming up with PXP, we are bringing stablecoin payments into the global commerce mainstream, delivering faster, affordable, and accessible digital transactions," said Brian Mehler, CEO of Stable. "As stablecoin usage continues to surge, the market must respond with infrastructure purpose-built for settlement at scale and we are streamlining that entire experience."

The partnership reflects both companies' commitment to making global digital transactions faster, simpler, and more accessible. With PXP's established merchant network and Stable's blockchain infrastructure, the collaboration aims to bridge traditional commerce with emerging payment technologies.

About PXP

PXP is a tech platform that makes commerce simpler, better, and more connected. With just one connection to PXP, merchants can unlock a world of commerce across online, mobile, and point-of-sale channels. Powered by a suite of financial services, multiple acquiring connections—including an in-house acquiring licence—and diverse alternative payment methods, PXP processes over €30 billion annually through our unified gateway. Connect once to our global commerce ecosystem to supercharge your growth by unifying payments, streamlining operations, and getting access to endless opportunities.

Learn more about PXP at: http://pxp.io. And Contact us marketing@pxp.io

About Stable

Stable is a Layer 1 blockchain designed for seamless financial transactions, powered by USDT as the native gas token. Built for real-world payments, its design prioritises usability, reducing friction for end users by eliminating the need for volatile tokens for transaction fees, ideal for global digital payments, remittances, and cross-border transactions. Backed by Bitfinex, PayPal Ventures, Franklin Templeton, and other leading investors, Stable is building the financial rails for real-world scale.

Learn more at stable.xyz.

PXP Study Shows UK Shoppers Value Both Convenience and Personal Touch

AI has moved from pilot projects to the shop floor, reshaping marketing, inventory, service and more across retail. Yet while adoption is accelerating behind the scenes, new research shows many consumers are cautious, even resistant. The question for retailers: how do you balance innovation with trust?

To answer that, PXP, the omnichannel global payment platform, has launched a new report: Retail in the Age of AI: Why Humanity Should Be at the Heart of Your Business Strategy.

Drawing on exclusive consumer research, the report examines where shoppers are excited about AI and where hesitation persists. It explores adoption trends, loyalty drivers and trust barriers, then translates those insights into practical recommendations to help retailers embrace AI without losing the human connection that builds long-term customer relationships.

Key findings include:

• 37% of respondents said they would not use AI shopping tools at all, underscoring a reluctance to surrender control to automated systems.
• Among those open to AI, the most appealing features were personalised product recommendations (18%), price prediction tools (18%), voice assistants (16%), and visual search (15%).
• Interest in AI chat assistants, smart mirrors, and virtual try-on kiosks was notably lower, ranging from 11-14%.

These findings contrast with the accelerating adoption of AI within the retail industry. Recent research shows that nearly all UK retail decision-makers now use AI in some form, with 61% creating dedicated AI leadership roles, such as Chief AI Officer, to oversee strategy and implementation.

Adoption is being driven by both opportunity and necessity. Rising costs and labour shortages are pushing retailers to turn to automation and AI-powered efficiency, while intense competition is forcing them to deliver even more personalised, seamless customer experiences. As a result, AI is now being deployed across a wide range of functions from predicting demand and reducing waste to detecting fraud.

Commenting on the report, Aaron Stephens, VP of Global Retail at PXP, said: "Retail is at a crossroads. AI is already running pricing engines, predicting demand, and powering customer service. But technology alone won’t win loyalty. Shoppers want smarter experiences, but not at the expense of trust or the human touch. That’s why we created this report: to give retail leaders clear insights into what customers really think about AI, and practical guidance on how to use it responsibly. At PXP, we’ve helped some of the world’s biggest retailers adapt to waves of change in payments, fraud and data, and AI is the next big wave. Our message is simple: embrace innovation but do it in a way that keeps your customers front and center".

The report stresses that while AI delivers clear operational benefits, consumer willingness to engage varies significantly depending on the technology. Shoppers are selective about the tools they use, with some innovations generating excitement and others prompting caution, highlighting the importance of understanding preferences before rolling out new AI-driven experiences.

PXP’s expertise in global payments, fraud prevention, and data analytics gives the company a unique perspective on how technology can transform retail operations while maintaining customer trust. Processing more than €30 billion annually and supporting all major payment methods across online, mobile, and in-store channels, PXP has seen firsthand how AI and data-driven tools can enhance efficiency, personalise experiences, and safeguard shoppers, insights that underpin the recommendations in this report.

To find out more about PXP please visit https://pxp.io/ and read the full report here: Retail in the Age of AI: Why Human Connection Still Matters.

About PXP

PXP is a tech platform that makes commerce simpler, better, and more connected. With just one connection to PXP, merchants can unlock a world of commerce across online, mobile, and point-of-sale channels. Powered by a suite of financial services, multiple acquiring connections - including an in-house acquiring licence - and diverse alternative payment methods, PXP processes over €30 billion annually through our unified gateway. Connect once to our global commerce ecosystem to supercharge your growth by unifying payments, streamlining operations, and getting access endless opportunities. Learn more about the PXP family of companies at: http://pxp.io/ or read the PXP blog.

PXP, the omnichannel global payment platform, has launched Checkout Components, a new enterprise-grade solution that addresses one of ecommerce's biggest challenges: customers abandoning their purchases at the final hurdle. The solution gives businesses complete control over how payments are presented, processed, and optimised across desktop and mobile platforms.

Built specifically for medium to large businesses tired of choosing between payment flexibility and checkout performance, PXP Checkout Components delivers both. Unlike traditional payment solutions that trap merchants in rigid, one-size-fits-all checkout experiences, this technology enables fully customised, secure, and high-performance checkout flows that convert customers into loyal buyers - all while maintaining complete brand control and eliminating the redirects that cause customers to abandon their purchases

Industry studies show that up to 80% of online shopping carts are abandoned, poor checkout UX, missing payment methods, and redirects are among the top causes. PXP Checkout Components is engineered to solve these challenges delivering a fully integrated, brand-safe payment journey that enhances trust, conversion, and repeat purchasing.

What sets Checkout Components apart is its granular customisation capabilities. The product is designed from the ground up for custom websites, giving enterprises and digital-first brands the ability to design and build their ideal checkout from scratch - right down to fonts, field spacing, tooltip messaging, and button logic.

This announcement comes at an exciting time for PXP, with the company having launched its new platform PXP Unity earlier this year, marking its evolution into a tech-first global commerce ecosystem that empowers merchants to architect their payment ecosystem with granular control.

A key differentiator of the solution is its event callback architecture, which enables merchants to capture and push real-time payment journey data to virtually any platform. This gives ecommerce businesses full visibility into conversion friction, real-time insight and custom funnel tracking and segmentation by geography, device, time of day, or payment method.

Checkout Components comes with a full SDK, enabling front-end and back-end development teams to launch and iterate quickly, without sacrificing compliance or performance.

Core features include:

• Card on File & One-Click Payment: Make returning purchases frictionless.
• Field-Level Customisation: Adapt fonts, spacing, layout, and background colours to match any UI/UX specification.
• Dynamic Payment Buttons & Card Previews: Guide shoppers through the payment process using contextual cues.
• Tooltip & Message Editing: Match form logic and tone of voice with your brand personality.
• Custom Event Tracking: Send real-time data to analytics, CRM, or marketing platforms, including Power BI, Hotjar, Amplitude, Tableau and many more
• Multilingual and Multicurrency Support: Serve international audiences with global-ready checkout flows.

Checkout Components supports card payments across 160+ currencies, on desktop, tablet, as well as native mobile experiences, Apple Pay, Google Pay, PayPal, Pay by Link, webhooks, and dynamic language.

Kamran Hedjri, Group CEO at PXP, says: “Merchants want more than just a way to take payments - they want control over how they sell, how they engage customers at the point of purchase, and how they gather insights to improve conversion. With PXP Checkout Components, brands are no longer forced to choose between the simplicity of plug-and-play solutions and the power of custom development. It’s a tailored solution for businesses that need a checkout as distinctive as their digital storefront.”

“Checkout Components gives merchants total control over the final - and most critical - step of the customer journey. This product reflects our mission to deliver smarter, faster, and more flexible payment experiences that drive measurable value for businesses and better outcomes for customers. It’s all the power of PXP’s platform, embedded in the merchant’s website.”

Security is non-negotiable, with Checkout Components protected by enterprise-grade infrastructure, including PCI DSS, PSD2, and SCA compliance, point-to-point encryption (P2PE) and tokenisation, as well as 3D Secure (3DS) integration for intelligent risk-based authentication.

The solution’s event-driven, API-first design ensures scalability and uptime across peak periods, with the ability to handle thousands of simultaneous sessions across markets. By turning raw payment data into real-time action, merchants can continuously test and optimise their checkout experience without relying on retrospective reports or limited dashboards.

PXP provides a single unified payments platform to accept payments online, on mobile and at the point of sale. Powered by in-house acquiring, covering all major payment methods, including cards, digital wallets, open banking, PXP’s technology and expertise help merchants deliver seamless global payment experiences while optimising performance and ensuring compliance.

To find out more about PXP please visit http://pxp.io or read the PXP blog.

About PXP

PXP is a tech platform that makes commerce simpler, better, and more connected. With just one connection to PXP, merchants can unlock a world of commerce across online, mobile, and point-of-sale channels. Powered by a suite of financial services, multiple acquiring connections - including an in-house acquiring licence - and diverse alternative payment methods, PXP processes over €30 billion annually through our unified gateway. Connect once to our global commerce ecosystem to supercharge your growth by unifying payments, streamlining operations, and getting access endless opportunities. Learn more about the PXP family of companies at: http://pxp.io/.

PXP the omnichannel global payment platform, today announces a new partnership with Zeal, an innovative fintech disrupting the retail payments experience. The partnership brings together seamless payment technology and intelligent loyalty solutions in a collaboration that will benefit merchants and customers alike.

PXP will gain a powerful value-add for its payments offering by integrating Zeal’s loyalty engine directly at the point of sale, boosting merchant acquisition and deepening engagement. Meanwhile Zeal will benefit from access to PXP’s established merchant network and scalable infrastructure, enabling faster deployment and broader market reach.

For end-users, the result promises to be a frictionless experience, earning and redeeming personalised rewards automatically during checkout, across in-store and online channels. Together, the two companies solve issues around disconnected loyalty systems, low engagement, and manual redemption, creating a smarter, more connected commerce journey. This means customers can enjoy instant rewards recognition across all touchpoints, eliminating the frustration of forgotten loyalty cards, expired points, and complicated redemption processes. The integration delivers real-time personalisation that adapts to individual shopping behaviours, making every transaction more rewarding and meaningful.

Commenting on the announcement, Kamran Hedjri, Group CEO at PXP, said: “Together, PXP and Zeal will work together to solve long-standing challenges in loyalty; namely fragmentation, lack of real-time engagement, and cumbersome redemption processes. By embedding intelligent rewards directly into the payments flow, we can not only improve the customer experience, but deliver powerful commercial outcomes for merchants. This partnership demonstrates our shared vision for a more connected, data-driven commerce landscape, where loyalty becomes an effortless extension of every transaction.”

According to recent research, 91% of UK consumers are actively engaged in loyalty programmes, reflecting a strong appetite for personalised rewards and seamless experiences across retail sectors.

Omar Ebeid, Founder and CEO of Zeal, added: “We have chosen PXP as a strategic partner because of its powerful, omnichannel payments infrastructure, extensive UK merchant network, and proven track record in hospitality and retail sectors; key verticals for loyalty innovation. By integrating Zeal’s loyalty solutions directly into PXP’s Unity platform, the partnership enables seamless reward redemption, real-time customer insights, and frictionless payment-linked engagement. I believe both companies share a vision for smarter commerce and customer-centric technology, and Zeal sees strong commercial alignment and scalable potential through joint go-to-market efforts and data-driven personalisation.”

PXP’s platform is already a trusted global payments solution, processing more than €30 billion annually and supporting a rich suite of features including inhouse acquiring, advanced fraud protection, over 120 alternative payment methods and deep analytics capabilities.

This collaboration marks the latest in a series of strategic partnerships accelerating PXP’s continuing growth, reinforcing its position as a leading force in connected commerce and innovation-led payments technology.

To find out more about PXP please visit https://pxp.io/ or read the PXP blog. 

About PXP

PXP is a tech platform that makes commerce simpler, better, and more connected. With just one connection to PXP, merchants can unlock a world of commerce across online, mobile, and point-of-sale channels. Powered by a suite of financial services, multiple acquiring connections - including an in-house acquiring licence - and diverse alternative payment methods, PXP processes over €30 billion annually through our unified gateway. Connect once to our global commerce ecosystem to supercharge your growth by unifying payments, streamlining operations, and getting access endless opportunities. Learn more about the PXP family of companies at: http://pxp.io/ or read the PXP blog.

About Zeal

Zeal is a value-added service (VAS) that enables card machines to know and reward customers. Built by a team of zealous visionaries in London and Cairo, Zeal has received global recognition and awards from industry leaders such as Visa, Ingenico and many more. Our mission is to empower payment providers and merchants by transforming the existing card machines to gain advanced data visibility and deliver seamless loyalty to customers. Zeal transforms card machines into tools that enhance customer loyalty and data visibility for merchants.

For Baby Boomers, reliability matters more than the latest payment trends, according to a research from PXP, the omnichannel global payment platform. PXP’s survey shows that while Baby Boomers have embraced digital payments in everyday life, they continue to favour debit and credit cards over mobile wallets, wearables or new payment innovations that feel unnecessary. 

Born between 1946 and 1964, and now aged 61 to 79, Baby Boomers have witnessed the shift from cash and cheques to card payments and contactless transactions. While they have adapted to modern payment options, they remain selective about what they use, prioritising security, clarity and familiarity over convenience. 

PXP’s study, conducted in conjunction with leading polling firm Censuswide, surveyed over 4,000 consumers in the UK and US to explore payment preferences, priorities and frustrations across different age groups, following earlier deep-dive reports into Generation Z, Millennials, and Generation X behaviours. This final handbook focuses specifically on Baby Boomers, who emerged as the most security-conscious generation, with 61% ranking it as their top priority. They also expect clear pricing and straightforward refund policies.

Debit and credit cards remain their go to ways to pay, with 47% of Baby Boomers choosing debit cards for everyday purchases, while 40% rely on credit cards for high-value items like in-store electronics. Cash is still used, with 11% using it daily and 21% preferring it when dining out, particularly in social settings where splitting bills is common.

However, mobile wallets and emerging payment tech remain largely unused. Only 1% use mobile wallets for big-ticket purchases like travel, and just 2% use them when shopping for fashion and accessories. While 18% express interest in wearable payments, they will only adopt new payment methods if they offer genuine benefits without unnecessary complexity.

Other insights on Baby Boomers from the PXP study reveal: 

• 61% rank security as their top payment priority, the highest of any generation surveyed.
• 54% see credit and debit cards as the most secure online payment methods.
• 43% worry about fraud when using digital payments.
• 39% say hidden fees are a major frustration, preferring clear pricing at checkout.
• 72% want to avoid bank card fees abroad.
• 85% prioritise widely accepted payment methods when travelling.
• 59% value instant currency conversion options for international spending.
• 29% would prioritise a retailer because of exclusive discounts for using certain payment methods 

"Baby Boomers have embraced digital payments but only on their own terms," said Kamran Hedjri, Group CEO for PXP. "They are selective about how they pay, valuing security, clarity and the ability to shop with confidence. Businesses that overcomplicate the process or fail to provide clear, trustworthy payment options risk losing Baby Boomers as clients."

To attract them, businesses must offer trusted, easy-to-use payment options while ensuring security, excellent customer service and clear refund policies. PXP Unity, PXP’s newly launched cloud-native, scalable and integrated platform, enables merchants to do exactly that. With Boomers expecting reliability over novelty, PXP Unity helps businesses deliver trusted payment experiences without unnecessary disruption.

"Boomers won’t switch to new payment methods just because they’re available, they need a real reason to do so," continues Hedjri. "With omnichannel payment platforms like PXP Unity, businesses can enhance security, simplify transactions, and provide slick, hassle-free payment solutions that meet clients’ expectations."

Read the full report here: Baby Boomers and the Future of Payments - visit: http://pxp.io/ or read the PXP blog.

About PXP 

PXP is a tech platform that makes commerce simpler, better, and more connected. With just one connection to PXP, merchants can unlock a world of commerce across online, mobile, and point-of-sale channels. Powered by a suite of financial services, multiple acquiring connections - including an in-house acquiring licence - and diverse alternative payment methods, PXP processes over €30 billion annually through our unified gateway. Connect once to our global commerce ecosystem to supercharge your growth by unifying payments, streamlining operations, and getting access endless opportunities. Learn more about the PXP family of companies at: http://pxp.io/. 

PXP accelerates its evolution beyond payments and continues to build a comprehensive commerce ecosystem of complimentary products and services. PXP has partnered with Moneycorp, one of the world's leading foreign exchange providers. As cross-border commerce demands ever-more speed, precision and simplicity, this partnership gives PXP’s customers control, transparency, and more confidence in managing cross-border operations.

Driven by a shared mission to make international payments simpler and smarter, PXP and Moneycorp are equipping businesses of every size—from SMEs to multinational corporations—with enterprise-grade FX capabilities that fuel confident expansion into new markets.

The integration delivers:

• Real-time FX functionality
• Cost-efficient access to 130+ currencies in nearly 200 markets
• Centralised treasury tools to optimise operations and forecast cash flow more accurately

Commenting on the announcement, Alex Apergis, CRO at PXP, said: “The partnership with Moneycorp is central to building our connected commerce ecosystem and removing the barriers that have traditionally limited international expansion. By integrating Moneycorp’s proven foreign exchange capabilities into our platform, PXP can now offer foreign exchange solutions alongside our existing omnichannel orchestration gateway, card acceptance and in-store offerings. This means our customers now have access to competitive rates and advanced currency management tools — all within the same ecosystem they already trust. Together, PXP and Moneycorp are targeting some of the most persistent pain points in cross-border trade: fragmented FX workflows, volatile currency swings that impact margins, and the growing demand for scalable, cost-efficient solutions."

James Absolon, Managing Director - Corporate & Institutional Client Sales for Moneycorp added: "We’re proud to be appointed as PXP’s key partner for FX solutions and international payments. This collaboration brings together PXP’s infrastructure with Moneycorp’s four decades of foreign exchange expertise to support globally ambitious businesses. Through this partnership, PXP clients will benefit from direct access to our dedicated team, proactive market insights, and tailored treasury solutions, enabling PXP’s clients to effectively manage their currency risk and accelerate cross-border growth. It’s a partnership built on shared values of innovation, service excellence, and enabling success in high-growth sectors".

For PXP, the collaboration deepens its value proposition for global merchants, helping them navigate FX more strategically and enabling truly borderless commerce. It marks a next step towards the company's vision of making business simpler, better, and more connected through its unified next-gen platform.

PXP’s powerful tech is already a proven force in global payments, supporting online, mobile, and in-store channels with a rich suite of features, including inhouse global acquiring, fraud prevention, all major payment methods supported, including cards, digital wallets, and robust data analytics. With more than €30 billion processed annually, this partnership adds yet another layer of versatility and value.

About PXP

PXP is a tech platform that makes commerce simpler, better, and more connected. With just one connection to PXP, merchants can unlock a world of commerce across online, mobile, and point-of-sale channels. Powered by a suite of financial services, multiple acquiring connections - including an in-house acquiring licence - and diverse alternative payment methods, PXP processes over €30 billion annually through our unified gateway. Connect once to our global commerce ecosystem to supercharge your growth by unifying payments, streamlining operations, and getting access endless opportunities. Learn more about the PXP family of companies at: http://pxp.io/ or read the PXP blog.

About Moneycorp

Moneycorp is a leading global payments and foreign exchange provider, with over 45 years of market experience and cumulative industry knowledge.

With two banking licenses and operations across the entire value chain of the international payments and foreign exchange sectors, the Moneycorp Group enables businesses, institutions, and individuals to thrive beyond borders. Visit moneycorp.com for more information.

This press release is for informational purposes only and does not constitute financial advice.

Cards remain king as 45-60 age group values trust over trends

Generation X continues to favour traditional payment methods over newer digital alternatives, with security and reliability ranking as top priorities, finds research by the omnichannel global payment platform PXP. While comfortable with digital transactions, Gen X - those born between 1965 and 1980 remain cautious adopters of new payment technology, sticking with tried-and-tested methods.

The findings, based on a survey of over 4,000 consumers across the UK and US, reveal a generation that values substance over style when it comes to financial technology. The research examined how different age groups, including Gen X, Millennials and Baby Boomers, approach payments, highlighting key differences in their payment preferences, priorities and expectations.

Security is a top priority for Gen X, and they continue to favour debit and credit cards for both everyday spending and big-ticket purchases. Almost half (49%) of Gen X use debit cards as their primary payment method, valuing the control and familiarity they provide. Credit cards remain popular for larger purchases, such as travel bookings, where 33% prefer them for ticket purchases, often to take advantage of rewards and fraud protection.

While cash is still in use, particularly in social settings, with 22% preferring it when dining out, mobile wallets remain far from mainstream for this group. Just 5% use them for travel bookings, and 6% for in-store shopping, showing that while Gen X appreciates convenience, they are reluctant to switch from payment methods they trust.

Other insights on Gen X from the PXP study reveal:

• 51% of Gen X rank security as their top payment priority.
• 40% cite fraud risk as their biggest frustration with digital payments.
• 44% believe debit and credit cards provide the most secure online experience.
• 36% say hidden fees are a major frustration, preferring transparency at checkout.
• 25% value the ability to split payments across multiple methods.
• 31% say loyalty programmes with exclusive discounts influence their shopping decisions.
• 28% are drawn to payment methods that offer rewards or cashback.

“Gen X approaches payments with a practical mindset - they want methods they can trust, clear payment terms and rewards that offer real value,” said Kamran Hedjri, Group CEO for PXP. “They aren’t driven by hype, and businesses that want their loyalty need to prioritise security, transparency, and payment options that fit into their everyday routines.”

Businesses looking to attract Gen X shoppers need to offer payment options that feel familiar while delivering security, transparency and real benefits. PXP Unity, PXP’s newly launched cloud-native, scalable and integrated platform, is designed to do exactly that - giving merchants greater control over transaction data, smart routing capabilities and access to a growing catalogue of services, all through a single integration.

“Gen X expects payment options that are secure, simple, and rewarding," continued Hedjri. "They’re not chasing trends, but will embrace innovation when it adds real value. With PXP Unity, businesses can offer the trusted payment experiences Gen X relies on while introducing new solutions that enhance security, rewards and convenience.”

Read the complete report Gen X and the Future of Payments and discover detailed strategies for enhancing your payment ecosystem based on your specific industry.

About PXP

PXP is a tech platform that makes commerce simpler, better, and more connected. With just one connection to PXP, merchants can unlock a world of commerce across online, mobile, and point-of-sale channels. Powered by a suite of financial services, multiple acquiring connections - including an in-house acquiring licence - and diverse alternative payment methods, PXP processes over €30 billion annually through our unified gateway. Connect once to our global commerce ecosystem to supercharge your growth by unifying payments, streamlining operations, and getting access endless opportunities. Learn more about the PXP family of companies at: http://pxp.io/ or visit the PXP blog.

New research shows millennials embrace digital wallets while prioritising security across retail, travel, and entertainment sectors 

Millennials are increasingly turning to mobile wallets, especially those equipped with multi-currency features for their international transactions, while simultaneously prioritising security above all other factors, according to a new study by PXP, leading omnichannel tech platform. 

The study reveals that 64% of millennials – those born between 1981 and 1996 value digital wallets, especially for international travel, and 40% consider security their top priority when choosing payment methods. This generation is balancing traditional payment solutions with emerging technologies as they shape an increasingly complex payment ecosystem. 

 However, mobile wallets are becoming increasingly popular, with 20% of younger millennials using mobile wallets like Apple Pay daily, though many millennials still rely on more traditional payment methods for everyday spending. The research shows variation in payment preferences based on context – from everyday essentials to high-value purchases. For example, debit cards remain the most popular choice for everyday shopping, with 40% of millennials using them as their primary payment method in grocery stores, while 24% opt for credit cards for high-ticket online purchases. 

Cash remains in use for certain transactions, with 20% of millennials preferring to pay with cash when dining out, often for splitting bills in group settings. Online shopping continues to dominate, with 80% of millennials conducting the majority of their shopping online. When it comes to travel and accommodation, 38% of millennials use debit cards for hotel bookings, while 26% prefer credit cards to access rewards, insurance, or cashback benefits. 

“Millennials want payment options that match their mobile-first lifestyles without compromising on security,” said Kamran Hedjri, Group CEO for PXP. “Our research shows they expect payment systems that deliver both innovation and trust, regardless of whether they're shopping at home or abroad.”  

PXP’s study, conducted in conjunction with leading polling firm Censuswide, surveyed over 2,000 consumers in the UK and US to discover their payment preferences, priorities and frustrations. 

Other insights on millennials from the study reveal: 

• 38% of millennials are attracted to retailers offering exclusive discounts for specific payment methods 

• 35% of millennials prefer brands that offer personalised shopping experiences, suggesting that customisation influences their loyalty 

• 28% of millennials say they are drawn to payment methods that offer rewards or cashback, showing that incentives can play a role in shaping payment preferences 

• 36% cite hidden fees as their biggest frustration when making payments 

The findings come shortly after PXP introduced PXP Unity, a tech-first platform built to support businesses in adapting to changing consumer demands. With millennials expecting security, flexibility and a seamless payment experience across channels, PXP Unity gives merchants greater control over their transaction data, smart routing capabilities and access to a growing catalogue of services, all through a single integration. 

“Meeting millennial payment expectations isn't optional – it's essential for business growth," adds Hedjri. “PXP Unity empowers merchants to deliver the flexible, secure payment options this influential generation demands, while streamlining operations behind the scenes.” 

Winning Millennial Payments Across Industries 

The research identifies specific strategies businesses can implement to attract millennial customers across various sectors. From mobile wallet incentives for retailers to bill-splitting features for restaurants, loyalty-integrated payment systems for fashion brands to BNPL options for ticketing platforms – each industry has unique opportunities to enhance the millennial payment journey. Businesses that implement these tailored approaches can expect higher engagement, increased loyalty, and improved conversion rates from this digitally-savvy generation. 

Read the complete report Millennials and the Future of Payments and discover detailed strategies for enhancing your payment ecosystem based on your specific industry. 

About PXP 

PXP is a tech platform that makes commerce simpler, better, and more connected. With just one connection to PXP, merchants can unlock a world of commerce across online, mobile, and point-of-sale channels. Powered by a suite of financial services, multiple acquiring connections - including an in-house acquiring licence - and diverse alternative payment methods, PXP processes over €30 billion annually through our unified gateway. Connect once to our global commerce ecosystem to supercharge your growth by unifying payments, streamlining operations, and getting access endless opportunities. Learn more about the PXP family of companies at: http://pxp.io/.

PXP, a next-gen payment platform, today announces a strategic collaboration with Castles Technology, bringing cutting-edge Android-based terminal technology to merchants of all sizes across diverse point-of-sale environments.

This powerful partnership combines PXP's innovative payment expertise with Castles Technology's advanced hardware engineering to deliver a seamless, secure payment experience that elevates customer engagement in every business context.

"We're excited to partner with Castles Technology to expand our hardware ecosystem and bring these innovative Android payment solutions to our customers," said Kamran Hedjri, CEO at PXP. “From day one, Castles Technology has distinguished themselves as an extraordinarily responsive and collaborative partner. Their team's unwavering commitment to excellence, technical expertise, and customer-first approach perfectly mirrors our own values, making this collaboration particularly powerful."

"This partnership represents our commitment to providing merchants with the most advanced, reliable, and user-friendly payment technologies in today's rapidly evolving marketplace. As we continue to build on our tech-first approach following the launch of PXP Unity and our recent PXP POS standalone solution, this partnership aligns perfectly with our vision of creating a truly unified global commerce ecosystem."

The collaboration brings PXP's platform together with Castles Technology's latest Saturn terminal range, creating a solution that elevates payment experiences through:

• Cutting-Edge Technology Access: Merchants gain immediate access to state-of-the-art Android payment terminals featuring the latest security protocols, intuitive interfaces, and enhanced customer engagement features.
• Versatile Terminal Solutions: The new terminal lineup includes sleek, space-efficient designs engineered for today's point-of-sale environments, offering enhanced connectivity, lightning-fast transaction processing, and support across multiple form factors including mobile, countertop, and unattended terminals.
• Streamlined Implementation: This partnership delivers a significantly expedited fulfillment process, with faster equipment delivery and setup, minimising business disruption and accelerating time-to-value for merchants of all sizes.
• Unified Commerce Experience: PXP will embed real-time data insights and granular control over merchants’ payment ecosystem across all channels into the solution, breaking down borders and unifying commerce operations worldwide.

James Lotz, SVP Northern & Western Europe added, "Our collaboration with PXP creates a powerful opportunity to extend our reach and equip merchants with Android payment terminals specifically designed for today's demanding instore landscape. We're proud to support PXP’s customers with our innovative hardware solutions that combine security, reliability, and enhanced user experience."

The announcement comes at a pivotal moment for PXP, following the company's recent brand transformation and the successful launch of its groundbreaking PXP Unity platform earlier this year. The new Android terminal offerings will be available to PXP customers starting May 2025, complementing the recently launched PXP POS standalone solution as part of the company's strategic expansion of its point-of-sale ecosystem. This integration aligns with PXP's vision to deliver comprehensive payment solutions that meet evolving merchant needs across all channels.

For more information, please visit https://pxp.io/ or http://www.castlestech.com/.

About PXP

PXP is a tech platform that makes commerce simpler, better, and more connected. With just one connection to PXP, merchants can unlock a world of commerce across online, mobile, and point-of-sale channels. Powered by a suite of financial services, multiple acquiring connections—including an in-house acquiring license—and diverse alternative payment methods, PXP processes over €30 billion annually through our unified gateway. Connect once to our global commerce ecosystem to supercharge your growth by unifying payments, streamlining operations, and getting access endless opportunities. Learn more about the PXP family of companies at: http://pxp.io/. 

PXP, the omnichannel global payment platform and innovative industry disruptor, today announces the launch of its new standalone PXP POS payment solution. Designed as a truly out-of-the-box solution for businesses of all sizes, this all-in-one payment acceptance system accepts every preferred payment method—from physical cards to wearables and digital wallets—while providing security without compromise. Merchants can start accepting payments within minutes, with no need for technical integration or extra hardware. Sensitive data is processed securely, allowing merchants to focus on growing their business without worrying about payment protection.

At a time when 34% of merchants are expanding their payment method offerings and 64% of merchants view payment technology as a strategic growth driver rather than just an operational necessity, according to a research from PXP in collaboration with leading polling firm Censuswide that was published earlier in 2025, PXP presents an out-of-the-box solution that solves numerous common merchant issues.

The standalone PXP POS payment solution delivers comprehensive payment acceptance capabilities through PXP's robust orchestration platform, PXP Unity. This solution empowers merchants with all-in-one payment acceptance for major card schemes, contactless, and mobile wallets, while ensuring a seamless omnichannel experience. With enterprise-grade reliability offering 99.996% uptime and robust monitoring systems, merchants can focus on their business while PXP handles all security and compliance requirements. The solution is PCI DSS-compliant and EMV-certified, with full security, updates, and support managed by PXP, eliminating compliance headaches for merchants.

The new PXP POS solution is a fully managed application that enables merchants to accept in-person card payments without requiring additional hardware, integration with cash registers, or third-party systems. Perfect for both fixed locations and mobile commerce scenarios, the application is designed especially for Android-based POS terminals, with the initial launch supporting the Castles S1F2 terminal model. It is ready to use almost immediately, with merchants only needing to complete a simple one-step activation process.

Importantly for merchants operating in the highly competitive global market, PXP’s latest product announcement is designed to support extensive personalisation, customisation and configuration, which provides merchants with greater control, flexibility, and a more tailored payment experience.

The application is designed with extensive personalisation in mind, offering in-app branding, digital and printed receipt styling, and tailored reporting. Merchants will be able to customise logos, colours, layouts, and feature sets to match their brand identity and operational requirements. While customisation options will be limited at launch, PXP plans to roll out additional features in the coming months based on market feedback. These updates will include advanced user management with multi-user account functionality, support for more payment methods, expanded customisation options, and value-added services to keep the solution competitive and drive merchant growth.

Kamran Hedjri, Group CEO for PXP, added: “PXP is committed to making merchants’ lives easier, giving them more time to focus on their business. The launch of our new standalone POS payment solution delivers on this commitment by providing an easy-to-implement, frictionless payment acceptance solution that works straight out of the box. With superior speed to market and hardware simplification, we're enabling merchants to start accepting payments immediately while delivering the enterprise-grade security and reliability they demand.

What truly sets our solution apart is its omnichannel readiness—creating seamless payment experiences that follow customers across all touchpoints. Our POS solution integrates seamlessly with PXP's broader payment ecosystem, maintaining consistency whether customers shop in-store or online. This unified approach, orchestrated through our robust PXP Unity platform, ensures merchants can offer their customers a frictionless experience at every interaction point while focusing on what matters most—growing their business.”

This announcement comes at an exciting time for PXP, with the company having unveiled a new brand identity and launched its new platform PXP Unity earlier this year. Marking its evolution into a tech first global commerce ecosystem, PXP’s next-generation platform simplifies commerce through real-time data insights, empowering merchants to architect their payment ecosystem with granular control. By combining innovative solutions with engineering excellence, PXP Unity breaks down borders and unifies commerce worldwide, representing PXP's commitment to serving merchants of all sizes.

PXP's platform leads the way in payment innovation, combining intelligent payment routing, rich data analytics, and comprehensive reporting capabilities. Through a single integration, businesses can accept payments across all channels—online, mobile, and in-store. PXP processes over EUR 30 billion annually through its unified gateway. 

To find out more information about PXP, visit: http://pxp.io/.

About PXP

PXP is a tech platform that makes commerce simpler, better, and more connected. With just one connection to PXP, merchants can unlock a world of commerce across online, mobile, and point-of-sale channels. Powered by a suite of financial services, multiple acquiring connections—including an in-house acquiring license—and diverse alternative payment methods, PXP processes over €30 billion annually through our unified gateway. Connect once to our global commerce ecosystem to supercharge your growth by unifying payments, streamlining operations, and getting access endless opportunities. Learn more about the PXP family of companies at: http://pxp.io/. 

PXP, the omnichannel global payment platform and innovative industry disruptor, today announces a new strategic partnership with PayXpert Ltd. a pioneer in omnichannel payments serving local and international brands both online and in-store. The collaboration will enable UK merchants to accept QR-based payments, including Alipay+ and WeChat Pay, enhancing accessibility for international customers, particularly from China.

Simon Brayshaw, VP Solutions Ecosystem & Innovation of PXP, commented: "This partnership enables UK merchants to instantly tap into the £30 billion Chinese tourist market through familiar payment methods like Alipay+ and WeChat Pay. Merchants can effortlessly accept these alternative payment methods with zero disruption to their operations, while customers enjoy a smooth, tailored checkout experience with a wider range of payment options, perfectly suited to their preferences. We're thrilled to be working alongside a team that shares our vision for the future, and together will pave the way for a more connected, seamless, and customer-centric payment experience."

A Strategic Response to Global Payment Trends

The global shift toward mobile payments continues to accelerate, with countries like China and India leading the way in mobile payment adoption. For UK merchants, this presents a valuable opportunity to enhance the payment experience for international customers by embracing Alternative Payment Methods (APMs) that are already deeply integrated into daily life in these markets.

Through this partnership, merchants can now seamlessly accept QR-based payments like Alipay+ and WeChat Pay, ensuring a smooth and familiar checkout experience for overseas shoppers.

Beyond improving the customer journey, this collaboration fuels significant growth for both companies. PayXpert Ltd. will benefit from access to PXP’s well-established merchant network, spanning retail, hospitality, and travel industries, while PXP will be able to extend its services to include new APMs in key international markets.

David Armstrong, Managing Director, PayXpert Ltd. added: "We believe this partnership will open borders and secure a seamless payment experience for both merchants and customers alike. PXP's technical expertise in building robust payment infrastructures and their proven track record in securely handling transactions across multiple industries makes them the ideal partner for this initiative. The ability to process QR-based payments familiar to Asian visitors via PayXpert Ltd. removed significant barriers to commerce, while merchants benefit from PXP's reliable integration capabilities. Together, we're creating a payment ecosystem that truly reflects how people prefer to pay in today's interconnected world.”

Looking Forward: A More Inclusive Payment Ecosystem

The announcement marks a significant milestone in global payment integration, empowering UK merchants to stay ahead of evolving consumer demands and connect with international customers. With this enhanced payment flexibility, businesses can offer a more inclusive and frictionless payment experience, driving growth and fostering customer loyalty in a competitive digital marketplace.

To find out more about PXP, visit https://pxp.io/

PXP, the omnichannel global payment platform and innovative industry disruptor, today show the results of an exclusive survey, which reveals Gen Z overwhelmingly prefers instant, digital-first payment methods, with traditional banking options falling dramatically out of favour.

Key insights from the survey include:

• Mobile wallets on the rise: 19% use mobile wallets for grocery shopping, signalling a shift towards digital convenience.
• Travel-ready tech: 57% see multi-currency wallets as essential for seamless international payments.
• Wearable payments gaining traction: 41% are open to using smartwatches and fitness trackers for transactions.
• Biometric interest: 33% are keen on fingerprint or facial recognition payments, highlighting demand for secure, frictionless experiences.
• Debit dominance: 34% of Gen Z prefer debit cards as their primary payment method.

To better understand Gen Z’s payment preferences, PXP partnered with Censuswide to conduct the survey of 2,000+ consumers aged 18 and above. The results have now been collated into a new report - Generational Trends 2025: Gen Z and the Future of Payments – which also includes practical ways merchants can leverage the data to future-proof their businesses.

The retail and travel sectors show particularly interesting trends among Gen Z consumers. In retail environments, while 34% of Gen Z shoppers still favour debit cards, digital wallets are quickly emerging as one of their top preferred payment methods, with 19% already choosing them for purchases in fashion stores and electronics shops—the highest percentage across all generations who took part in the research. This demonstrates a rising interest and growing trust in digital-first solutions, even for higher-value transactions.

For the travel sector, Gen Z expectations are reshaping the landscape, with 57% considering multi-currency wallets essential for their journeys. This tech-savvy generation is also increasingly using Buy Now, Pay Later options to spread the cost of travel experiences, and showing strong interest in biometric payments for streamlined check-ins and purchases whilst abroad.

Commenting on the launch, Magda Schmid-Debska, VP Growth & Marketing for PXP, said: “Gen Z’s influence extends far beyond the checkout. Their willingness to embrace new payment technologies—whether fingerprint logins or blockchain-based systems—sets them apart from other generations, driving demand for seamless, near-invisible transactions. From retail to hospitality, everything but cutting-edge payment experience is no longer acceptable.

“For businesses, this presents a crucial opportunity: optimising the checkout experience across digital and in-store channels isn’t just about convenience—it’s key to winning Gen Z’s loyalty. The rise of live commerce and social shopping platforms is further transforming how Gen Z discovers and purchases products. It will be fascinating to watch how emerging social media trends continue to reshape payment preferences and merchant strategies in this rapidly evolving landscape. To stay ahead, merchants must move swiftly to adopt tech that ensures fast, frictionless, and secure transactions. Those who get it right won’t just attract a key demographic; they’ll define the future of payments in an era of innovation and adaptability."

The full report, Generational Trends 2025: Gen Z and the Future of Payments, provides deep insights into the evolving payment landscape and is essential reading for businesses and financial service providers. Read it here.

To find out more about PXP please visit: http://pxp.io/.