Fiat PSP Integration Solution
Multi-Acquirer Routing
Automatically route transactions to the PSP most likely to approve them based on region and card type.
Streamlined Wire Management
Automate the generation of unique wire instructions and reference codes for SEPA and SWIFT transfers.
Fiat PSP Integration is the backbone of any successful brokerage or trading platform. In a market where speed is everything, your clients expect to fund their accounts instantly using the cards already in their wallets. Our solution provides a unified gateway to multiple Payment Service Providers (PSPs), ensuring that you can offer localized payment methods, from Visa and Mastercard to regional bank transfers and SEPA wires, across different jurisdictions.
For fintech founders and established brokers, this integration removes the technical complexity of dealing with individual banking APIs. We provide a single, hardened entry point that handles secure data transmission, 3D Secure authentication, and real-time status updates. By diversifying your PSP portfolio through our integration, you reduce the risk of downtime and protect your business from the volatility of merchant account closures.
- Multi-Acquirer Routing: Automatically route transactions to the PSP most likely to approve them based on region and card type.
- Streamlined Wire Management: Automate the generation of unique wire instructions and reference codes for SEPA and SWIFT transfers.
- PCI-Compliant Handling: Minimize your compliance burden by utilizing our secure tokenization and hosted payment pages.
- Unified Financial Reporting: View all card and wire data in a single dashboard, regardless of which PSP processed the transaction.
Platform Overview
Our integration layer is built for high-volume financial traffic, ensuring that every deposit is recorded accurately and reflected on the trading server instantly.
Why Fiat PSP Integration?
Conversion
Boost Conversion Rates: Reduce abandonment by offering familiar payment methods like Visa and Mastercard.
Credibility
Institutional Credibility: Offering Tier-1 bank wires and major card processing builds immediate trust.
Flexibility
Geographic Flexibility: Easily enter new markets by integrating local PSPs that specialize in specific regions.
Risk Mgmt
Reduced Chargeback Risk: Advanced 3D Secure 2.0 (3DS2) implementation ensures strong customer authentication.
One-Click
Frictionless Re-deposits: Securely tokenized card data allows for "One-Click" funding.
Reconciliation
Automated Reconciliation: Match every incoming wire and card payment to a trader ID automatically.
Scalable
Scalable Infrastructure: As your volume grows, our multi-PSP architecture allows you to add new processing capacity.
White Label Branding
Maintaining your brand’s integrity throughout the payment process is vital for user trust. Our integration is designed to be invisible to the end user.
Custom Payment Modals
Embed the payment gateway directly into your client area with a UI that matches your brand’s design language.
Branded Wire Instructions
Generate professional, branded PDF wire instructions that clients can take to their bank or use in their banking app.
White-Labeled Payouts
Customize the description that appears on a client's bank statement to reinforce your brand identity.
Unified Client Portal
A seamless experience where the transition from the "Deposit" page to the "Success" screen feels like one continuous journey.
Server Hosting & Infrastructure
Financial data requires the highest level of security and low-latency connectivity to banking networks.
Data Center Locations
London, UK
Equinix LD4 (Financial Core)
New York, USA
Equinix NY4
Singapore
SG1 (Asian Hub)
Dublin, Ireland
EU Data Sovereignty Node
Infrastructure Specifications
PCI DSS
PCI DSS Level 1: Enterprise-grade security for the handling of cardholder data.
Encryption
End-to-End Encryption: TLS 1.3 encryption for all data in transit between the client and the PSP.
Redundant
Redundant API Gateways: Automated failover between regional nodes to prevent processing delays.
DDoS
DDoS Mitigation: Multi-layered protection to prevent service interruptions during high-traffic periods.
Auditing
Audit Logging: Comprehensive, tamper-proof logs for all transaction attempts.
Compliance Note: Our infrastructure is built to meet the requirements of major financial regulators. We utilize [tokenization] to ensure that sensitive card data never touches your local servers, keeping your firm out of the scope of complex PCI audits.
Platform Features
Tools designed to manage the full spectrum of fiat money movement.
Card Processing Features
Cards
Visa, Mastercard, AMEX, and JCB support.
Recurring
Recurring billing and subscription management.
Refunds
Partial and full refund processing through the admin panel.
Descriptors
Dynamic descriptor support (Customize what appears on card statements).
3DS2
Real-time 3D Secure (3DS2) challenge-response handling.
Wire & Bank Transfer Tools
SWIFT/SEPA
Automated SEPA/SWIFT instruction generation.
Tracking
Real-time "Pending Wire" tracking in the trader dashboard.
Local Rails
Support for local banking rails (Instant P2P, ACH, Faster Payments).
FX
Integrated FX conversion for cross-currency transfers.
Analytics & Risk Tools
Approvals
"Approval Rate" analytics by country and card issuer.
Velocity
Velocity checking to prevent "Card Testing" fraud.
Chargebacks
Automated chargeback alerts and evidence submission portal.
API & Integration
Our integration is designed to be developer-friendly and extensible.
Manager / Admin API
Pricing & Setup
Our pricing is based on a per-transaction model, typically determined by your volume and the risk profile of your jurisdiction.
What’s Included
PSPs
Full integration with [X] major Fiat PSPs.
Hosted Pages
PCI-compliant hosted payment pages and fields.
Wire Engine
Automated Bank Wire instruction engine.
Dashboard
Real-time transaction monitoring dashboard.
Currencies
Support for [X] fiat currencies.
Maintenance
Regular security and API maintenance updates.
Optional Add-Ons
Disputes
Advanced Chargeback Disputing module.
Sourcing
Custom merchant account sourcing and consulting.
Multi-Entity
Multi-entity/Multi-currency settlement accounts.
Volume
High-volume dedicated processing lanes.
Setup Timeline
01KYB
KYB & Merchant Application: Onboarding with the chosen PSPs (Days 1-7).
02API
API Integration: Linking the gateway to your CRM and trading server (Days 3-5).
03UI
UI Customization: Styling the payment pages and notifications (Days 5-6).
04Test
Sandbox Testing: Processing test card and wire transactions (Days 7-10).
05Live
Go-Live: Production activation for live client funding (Day [X]).
Frequently Asked Questions
Card deposits are processed in real-time. Once the transaction is authorized by the issuing bank, our system sends a webhook to your CRM to update the trader's balance in [X] seconds.
Yes. Our system automatically generates the correct IBAN and SWIFT/BIC instructions for your clients based on their region and your bank account details, including a unique reference number for automated matching.
We implement 3D Secure 2.0 (3DS2) as a standard. This requires the trader to authenticate the transaction through their banking app, which shifts the liability for fraud-related chargebacks away from your brokerage.
Absolutely. We recommend a Multi-PSP strategy. If one provider has a temporary outage or a specific regional bank is declining transactions, our system can automatically route the payment through a secondary provider.
You will need a registered corporate entity and a website that meets PCI and Visa/Mastercard compliance standards. Our team can guide you through the "Merchant Readiness" checklist.
If a client deposits in a currency different from their trading account base (e.g., depositing EUR into a USD account), the system uses Real-Time FX Rates to calculate the conversion, which is then clearly displayed to the client before they confirm.