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

A payment gateway that puts you in control

Connect to acquirers, payment methods, and markets through a single integration, while maintaining complete control of where and how your payment volume is routed.

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Built for control at scale

You choose the logic that determines how each transaction is handled.

This includes confirming supported card types for the merchant and site, restricting on funding source (credit, debit, prepaid) and product type (consumer, corporate), and applying card-type restrictions. Every transaction is aligned with your configured acceptance rules before it moves forward.

Peace of mind with every payment

Not every transaction carries the same risk, value, or context, and your payment flow should reflect that. PXP gives you the tools to design, automate, and adapt transaction flows in real time.

Self-service flow control

Configure screening logic visually and adjust rules without redeploying code

Built-in and external screening

Velocity checks, whitelists, blacklists, and pattern-based risk signals, with external screening powered by Kount

Verification and step-up

Account name verification, AVS and CVV checks, and the ability to step up to 3DS when required

Outcome-based actions

Approve, decline, reroute, or send to manual review, with auto-revert as new signals arrive

Smart routing

PXP dynamically routes transactions based on real-time conditions, historical performance, and business rules. Performance-based routing evaluates historical approval data to select the strongest acquirer, with continuous re-evaluation every few seconds using a rolling time window. Retry logic and cascades automatically retry transactions across alternate acquirers. Downtime detection removes acquirers experiencing outages and reintroduces them once stability returns.

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Authorisation processing

Authentication alone does not guarantee approval. PXP processes authorisations using the context built earlier in the payment journey. Transactions are routed to the most appropriate acquirer, with consistent handling across providers and channels. Authorisation follows screening and authentication decisions, with support for retries or alternate paths where appropriate.

One gateway, multiple acquirers

Our gateway does not lock you into PXP acquiring. With it, you can choose to utilize our acquiring, third-party acquirers, or both, and change that mix as your business grows. Adding or switching acquirers happens within the platform rather than through reintegration, so provider decisions stay commercial decisions instead of engineering projects.

This ensures you retain complete control of your payments flow from end-to-end, and are not locked into any acquirer, including us.

Built for resilience

Single-path tokenisation creates hidden risk. Token availability is often tied to one provider, and acquirer outages can break stored payments. PXP solves this with redundant tokenisation across acquirers, handled in parallel. Cards are tokenised across multiple acquirers simultaneously, token IDs are returned asynchronously as they become available, and tokens are centrally managed within Token Vault.

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Get in touch to see how one integration can replace the complexity of managing multiple payment providers.

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