Financial partnership programme for banks, acquirers, and schemes
Connect at the acquiring layer. PXP is a Principal Member of Visa and Mastercard with an in-house acquiring licence and a robust multi-acquirer network to optimise transaction routing.
Who we partner with
Our financial partners are the institutions that sit at the acquiring and settlement layer of the payments stack. This includes:
- Banks
- Acquirers
- Card Schemes
- FX providers
- Settlement networks.
Our acquiring network includes connections that span Visa, Mastercard, Diners, Discover, and regional scheme coverage.
One platform. Multiple acquirer connections.
Our payments orchestration platform connects merchants to multiple acquirers simultaneously, using smart routing to direct each transaction to the acquiring connection most likely to approve it. Our platform routes based on card type, geography, transaction value, merchant category, real-time performance data, and your customised parameters.
For financial partners, this means:
Volume
The PXP platform routes merchant transaction volume across a network of acquirers. Financial partners that connect to PXP's orchestration layer receive routed volume based on performance, merchant fit, and routing logic, not locked in through a single bilateral contract.
Flexibility
We hold our own in-house acquiring licence and are a Principal Member of both Visa and Mastercard. Our financial partner relationships are structured with this in mind. PXP can act as acquirer, orchestrator, or both depending on the commercial model.
Resilience
Our multi-acquirer architecture means merchants experience near-zero downtime. If one acquiring connection underperforms, routing adjusts automatically. For financial partners connected to the platform, this positions PXP's merchant portfolio as a stable, predictable volume source.
Why connect
Access a growing merchant portfolio
PXP processes over €30 billion annually across more than 30 countries. Our merchant base spans retail, travel, gaming, hospitality, and e-commerce, with a strong presence in Europe and expanding coverage in the US and Asia.
Routing based on performance
Our platform’s routing sends volume to the acquirer best positioned to approve each transaction. For financial partners, this creates a performance-based commercial relationship where approval rates and terms directly influence volume share.
Reduced onboarding complexity
PXP Launchpad handles merchant onboarding and due diligence. Financial partners connect at the acquiring layer without managing individual merchant relationships or underwriting them directly.
Technical integration support
Our engineering team supports financial partner integrations through our API layer. Connections are built for reliability, with failover logic built into the routing infrastructure.
A collaborative, long-term relationship
We build partnerships for longevity. We don't re-paper merchants or restructure commercial terms arbitrarily. Our relationships are designed to grow as transaction volume grows.
Our platform
Our payments orchestration layer connects merchants, acquirers, alternative payment methods, and data into a single, unified environment.
PXP handles transaction routing, BIN lookup, 3DS authentication, network tokenisation, and real-time reporting. For acquiring partners, this means a technically clean connection with full visibility into transaction flows and performance data.
Key capabilities:
- Orchestration and smart routing
- Multi-acquirer switching and failover
- BIN lookup and card intelligence
- 3DS 2.2 authentication service
- Network token management
- Real-time reporting and portfolio visibility
Built for the standards financial institutions require
PXP operates as a Principal Member of Visa and Mastercard and maintains the compliance standards expected of a global acquiring and gateway platform. Our infrastructure is built to support PSD2, PCI DSS, and relevant regional regulatory requirements across the markets we operate in.
Financial partner connections go through a structured technical and commercial onboarding process. Our risk and compliance team supports the due diligence process on both sides.
Let's talk about how a connection would work
Every financial partnership starts with a conversation about routing architecture, volume fit, and commercial terms. Our partnerships team can walk you through how PXP connects with acquiring institutions and what a relationship would look like for your organisation.
FAQ
Is PXP a licensed acquirer?
Yes. PXP holds an in-house acquiring licence and is a Principal Member of both Visa and Mastercard. This means PXP participates in the acquiring network directly, not solely as a gateway or intermediary.
How does routing logic work for financial partners connected to PXP?
PXP's Smart Routing directs each transaction to the acquiring connection most likely to approve it, based on card type, merchant category, geography, and real-time performance data. Acquiring partners receive volume based on this logic.
What technical standards does PXP use for acquirer connections?
Connections are made through PXP's API layer. PXP supports 3DS 2.2, network tokenisation, BIN lookup, and standard acquiring protocol integrations. Our technical team handles the integration process and supports testing and certification.
What markets does PXP currently operate in?
PXP operates across 30+ countries, with a primary presence in the UK, Europe, and the US. Our acquiring and gateway operations cover these markets, with ongoing expansion.