What PayXpert does

PayXpert is an omnichannel payment processor headquartered in London that enables merchants to accept payments across online, in-store, and cross-border channels. Founded in 2008/2010 (sources disagree on year), the company operates as a wholly-owned subsidiary of Société Générale and services more than 650 clients across the UK, France, Spain, and additional European markets. Its core product set comprises an Ecommerce Solution, In-Store Payments (POS terminals), and an Omnichannel Commerce platform that unifies these channels, complemented by a layer of add-on modules including Risk Management, Sales Optimisation, Business Intelligence, Data Management, Tokenization, Subscription/Recurring Payments, and Seamless Checkout via Hosted Fields. Developer-facing surfaces include a Payment Gateway API, a Payment Page API, and native plugins for WooCommerce and PrestaShop. PayXpert is differentiated by direct cross-border acquiring licences for Alipay and WeChat Pay (Tenpay), enabling European merchants to accept Chinese consumer payments with local-currency settlement.

Under the hood, PayXpert operates a card and alternative-payment-method processing platform with tokenization, hosted iframe checkout fields, and integrations with major card schemes (Visa, Mastercard, Amex, JCB, Diners). The platform is regulated in three jurisdictions — FCA in the UK (FRN 744033), ACPR in France (number 379958), and Banco de España (entity 6922) — through three separate legal entities: PayXpert Services Limited (UK holding), PayXpert France SAS, and PayXpert Spain SL. Revenue is generated primarily through a commission-plus-per-transaction fee model on processed volume, plus POS terminal sales/lease fees, cross-border Chinese payment handling fees, and ancillary chargeback, penalty, and early termination fees. Pricing is quote-based and not publicly disclosed.

Go-to-market combines direct enterprise field sales (evidenced by a 30-minute expert consultation offering), developer-led PLG via the WooCommerce and PrestaShop plugins, and a content-marketing footprint (company blog, knowledge hub, social channels). Customers include enterprise logos such as Eurostar, Clarins, Lladró, TMB (Barcelona urban transport), G7, and La Pedrera, alongside a long tail of SMB merchants reached through self-serve plugins. Distribution leverage is amplified by Société Générale parent backing, and recent strategic activity (SUNMI partnership for next-generation POS in February 2026, TMB mobility partnership in April 2026, and the 2022 NPCI MoU underpinning UPI expansion under the 2025 India-UK FTA) signals active offensive expansion in hardware, vertical, and cross-border-rail dimensions.

Name

PayXpert

Legal name

PayXpert LTD

Website

https://payxpert.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

51–100 employees

Short description

PayXpert is a London-headquartered omnichannel payment processor and Société Générale subsidiary that enables 650+ merchants across the UK, France, Spain, and Europe to accept online, in-store, and Chinese cross-border payments (Alipay, WeChat Pay) through a single regulated platform.

Ownership category

akta.pro rank

Product category

Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

Keywords

• Omnichannel payment processing
• Cross-border payment acquiring
• POS terminal solutions
• Ecommerce payment gateway
• Alternative payment methods

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Payment Processing Fees: PayXpert charges merchants a combination of commission fees (a percentage of total sales volume processed) and per-transaction fees (fixed amounts charged on each sales slip and credit slip). This is the primary revenue stream from card and alternative payment processing services.
2. POS Terminal Services: Merchants can lease, rent, or purchase POS terminals from PayXpert for processing transactions through Alipay, WeChat Pay, and other payment methods. Terminal fees contribute to revenue with options for lease/rent annual renewal or outright purchase.
3. Cross-border Acquiring Services: Revenue generated from cross-border Chinese payment acquiring services (Alipay and WeChat Pay), with handling fees calculated as a percentage of each transaction amount, charged prior to crediting the merchant account. Settlement in local currency with minimum transfer thresholds.
4. Chargeback and Penalty Fees: Fees charged to merchants in respect of chargebacks, scheme rule violations, excessive fraud levels, and other disputes. Additional penalty fees apply for non-returned terminals and late payment of invoices.
5. Early Termination Fees: Fees charged to merchants who discontinue processing prior to end of contract term or violate exclusivity agreements, compensating PayXpert for investment in marketing, training, and onboarding.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

PayXpert provides omnichannel payment processing solutions for merchants, enabling them to accept card and alternative payment methods (including Alipay and WeChat Pay) across online, in-store, and cross-border channels. The company earns revenue through transaction-based fees (commission plus per-transaction charges), POS terminal hardware sales/leases, and cross-border acquiring fees, operating as a regulated payment institution across the UK, France, and Spain.

Product overview

PayXpert is an omnichannel payment platform that unifies online, in-store, and cross-border payment acceptance. The platform architecture consists of a core payment processing engine supported by specialized solutions: Ecommerce Solution and In-Store Payments (POS Terminals) serve as the primary sales channels, while Omnichannel Commerce unifies these channels. Alternative Payment Methods, specifically Chinese Payments (Alipay, WeChat Pay cross-border acquiring), address the Asian consumer market. Supporting the core platform are add-on modules including Risk Management, Sales Optimisation, Business Intelligence, Data Management, Tokenization, Subscription/Recurring Payments, and Seamless Checkout (Hosted Fields). For developers, PayXpert provides a plugin ecosystem (WooCommerce, Prestashop) and API access via Payment Gateway API and Payment Page API. The company operates as a subsidiary of Société Générale, authorized by the FCA in the UK, ACPR-registered in France, and registered with the Bank of Spain.

Differentiator

Problem solved

Functional benefit

Products and services

• Ecommerce Solution Comprehensive online payment solution enabling merchants to accept payments through websites. Includes support for multiple payment methods, checkout optimization, and integration via plugins or API. Targets online businesses seeking comprehensive payment acceptance across multiple channels and geographies.
• In-Store Payments / POS Terminals Point-of-sale payment solution allowing merchants to accept card and alternative payments in physical retail locations. Includes dedicated POS terminal hardware (available for lease, rent, or purchase) and software. Targets brick-and-mortar retail, hospitality, and food service businesses.
• Omnichannel Commerce Unified commerce platform that integrates online and in-store payment channels, enabling merchants to manage all sales from a single system with consistent customer experience across channels. Targets merchants seeking to unify their omnichannel sales operations.
• Chinese Payments (Alipay & WeChat Pay) Cross-border payment solutions enabling European merchants to accept payments from Chinese consumers via Alipay and WeChat Pay. Supports QR code payments (merchant-initiated and consumer-initiated), in-app payments, and provides settlement in local currency. Targets European merchants serving Chinese tourists and cross-border shoppers.
• Pay by Link Payment link solution allowing merchants to send payment requests to customers via email, SMS, or messaging apps. Enables remote payment collection without requiring a full ecommerce integration. Targets merchants seeking lightweight remote payment acceptance.
• Subscription / Recurring Payments Platform for subscription businesses supporting recurring payments, fractional payments, and subscription management with robust billing infrastructure. Targets subscription-based businesses requiring recurring billing capabilities.
• Payment Gateway API Direct API integration for payment processing, enabling merchants to build custom payment interfaces and connect their systems directly to PayXpert's processing infrastructure. Targets developers and merchants requiring custom payment integrations.
• Payment Page API API for redirect-based payment page integration, allowing merchants to utilize PayXpert's hosted payment page while maintaining brand consistency. Targets merchants preferring hosted payment pages over custom integrations.
• PayXpert WooCommerce Plugin Official WooCommerce plugin enabling seamless integration between WooCommerce-based ecommerce stores and PayXpert's payment platform. Targets SMB and mid-market merchants using WooCommerce.
• PayXpert PrestaShop Plugin Official PrestaShop plugin enabling seamless integration between PrestaShop-based ecommerce stores and PayXpert's payment platform. Targets SMB and mid-market merchants using PrestaShop.

Named customers9 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature8 records

Partnerships

Five partnerships are on record, tiered core.

• Transports Metropolitans de Barcelona (TMB)coreStrategic or Co-development Partner · 22 April 2026PayXpert provides payment infrastructure powering urban mobility for TMB, Barcelona's public transport authority. This partnership enables modernised payment experiences for urban transport riders, integrating PayXpert's payment platform with TMB's ticketing and fare collection systems.
• SUNMIcoreTechnology or Integration · 4 February 2026PayXpert and SUNMI partnered to deliver next-generation POS solutions, integrating SUNMI's hardware terminals with PayXpert's payment platform to provide merchants with modern point-of-sale capabilities.
• NPCI International Payments LimitedcoreTechnology or Integration · 1 January 2022PayXpert signed a Memorandum of Understanding with NPCI International Payments Limited in 2022, which built the groundwork for UPI (Unified Payments Interface) expansion into the UK under the India-UK Comprehensive Economic and Trade Partnership Agreement signed in July 2025.
• AlipaycoreTechnology or IntegrationPayXpert provides cross-border Alipay acquiring services in the UK and other licensed territories, enabling European merchants to accept Alipay payments with settlement in local currency. PayXpert holds cross-border licence from Alipay for promotion and service provision.
• WeChat Pay / TenpaycoreTechnology or IntegrationPayXpert provides WeChat Payment Cross-border Acquiring Services enabling merchants to accept WeChat Pay, with settlement in local currency. PayXpert is authorised by Tenpay to promote WeChat Payment Service in the UK and all countries where its licence is valid.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Adyen: Global omnichannel payment platform serving enterprise merchants with unified online and in-store processing. Adyen is a broad incumbent that competes with PayXpert for the same enterprise and mid-market merchants across Europe, but at materially greater scale and geographic reach.
• Worldline: European payments giant offering merchant acquiring, POS, and omnichannel processing across the continent. Comparable to PayXpert as a European-headquartered omnichannel payment processor serving enterprise merchants, though with a much larger merchant base and broader geographic footprint.
• Stripe: Global payment processing platform with strong developer-led adoption, omnichannel products, and growing in-store/terminal capabilities. Competes with PayXpert for the same European merchants, particularly those integrating via API and plugins.

Direct peers

• Mollie: European payment processor focused on SMB and mid-market merchants with omnichannel online and in-store solutions. Closely comparable to PayXpert in business model, customer segment, and developer-led integration approach, though Mollie has a broader European footprint.
• Checkout.com: Global payment processor focused on enterprise and large digital merchants with omnichannel processing and a unified API. Comparable to PayXpert in targeting mid-to-large merchants with omnichannel processing needs, but with deeper geographic and enterprise coverage.
• SumUp: European-headquartered POS and payment processing specialist serving SMB and small-merchant segments. Comparable to PayXpert's in-store and POS terminal offering, with similar omnichannel aspirations but a focus on smaller merchants and a different go-to-market.
• PayPlug: France-based payment processor offering online and in-store payment solutions for SMB and mid-market merchants. Closely comparable to PayXpert in product scope, customer segment, and French regulatory positioning, with similar omnichannel and developer-led integration.

Regional players

• Nexi: Italy-headquartered European payment services provider offering acquiring, POS, and omnichannel processing. Comparable to PayXpert as a regulated European payment processor with strong merchant acquiring capabilities, but primarily focused on Italian and adjacent markets.
• Lyra Network: French payment service provider offering omnichannel payment processing, POS terminals, and e-commerce acquiring. Comparable to PayXpert in product breadth and French market focus, with similar omnichannel and cross-border ambitions.
• Planet Payment / Planet Group: European payment processor offering merchant acquiring, POS, and omnichannel solutions across multiple European markets. Comparable to PayXpert as a multi-jurisdiction European payment processor, with overlap in retail, hospitality, and omnichannel offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/payxpert
• Facebookfacebook.com/payxpert
• LinkedInlinkedin.com/company/payxpert
• Instagraminstagram.com/payxpert_global

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about PayXpert