What integration options are available?

Technology partners can integrate through PXP's REST API, native Kotlin SDK, local HTTP REST calls, or webhook-based event flows. The integration path depends on your platform architecture and whether you're building for in-store, online, or both.

Do my merchants need separate contracts with the different acquirers?

No. PXP manages acquiring relationships. Your merchants sign with PXP, and smart routing handles which acquirer processes their transactions based on performance, geography, and card type. Merchants don't need to manage acquirer relationships directly.

How long does integration typically take?

It varies depending on complexity and which products you're integrating. PXP's technical team supports the process from scoping through testing and certification. Sandbox access is available immediately.

What are the hardware options for in-store integration?

PXP uses Castles Android-based Saturn terminals. They're acquirer-agnostic, meaning the hardware doesn't need to change if routing changes. Contract terms run from 12 to 48 months, and asset finance options are available.

How is commission structured?

Revenue share is calculated on the transaction volume your merchants process. It's tracked automatically through Launchpad and paid for the lifetime of each customer relationship. PXP does not re-paper merchants or end commission after a set period.

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Orchestration

Card acquiring with principal scheme memberships

PXP dynamically routes transactions based on real-time conditions, historical performance, and business rules. Static routing leads to avoidable declines and lost revenue. Smart routing keeps your approval rates high and your operations resilient.

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The acquirer behind the gateway

PXP holds principal memberships with the world's major card networks, giving merchants a direct, reliable connection to the schemes that move money globally.

FCA regulated

Licensed and regulated by the Financial Conduct Authority, giving merchants and partners a trusted, compliant foundation to build on.

Principal member since 2011

PXP has held principal membership with Visa and Mastercard since 2011, and with Diners Club and Discover since 2022.

Global reach, direct connections

Process across the UK, EU, US, Canada, and LATAM through direct scheme connections and a network of 30+ acquiring partners.

What direct acquiring changes

Most payment providers sit between merchants and an acquirer they do not control. PXP's principal memberships mean transactions reach the card schemes directly, without an additional intermediary in the chain. Fewer parties between authorisation and settlement means clearer accountability when something needs investigating, and one relationship covering both gateway and acquiring.

One provider, one contract

Gateway and acquiring from the same platform, with a single commercial relationship and a single support team across both.

Unified settlement and reporting

Settlement, reconciliation, and transaction reporting flow through one place, rather than being stitched together across a gateway and a separate acquirer.

Disputes handled where the data lives

Because PXP is the acquirer, chargeback and dispute management works with full transaction context rather than partial records passed between providers.

Acquiring without lock-in

PXP acquiring works within the orchestration layer, alongside any other acquirers you connect. Use PXP as your sole acquirer, or route between PXP and third-party acquirers based on performance, cost, or region. The platform is acquirer-agnostic by design, so choosing PXP acquiring is a routing decision you can adjust, not a commitment you’re locked into.

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