Rox Pay Srl
RoxPay is an Italian fintech that provides an all-in-one payment infrastructure platform unifying online payments, PAX Android POS terminals, and PSD2 Open Banking with automated SDI electronic invoicing for Italian SMBs and enterprises. It monetizes via an IC++ transaction-fee model starting at 0.45% and serves verticals including retail, hospitality, restaurants, and professional services.
- Company typePrivate
- Founded-
- HeadquartersPoggibonsi, Italy
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Rox Pay Srl does
Rox Pay S.p.A. (operating as RoxPay) is an Italian fintech company headquartered in Poggibonsi, Tuscany, that provides an all-in-one payment infrastructure platform for Italian businesses. The platform unifies three payment rails — an online payment gateway, PAX Android-based smart POS terminals (A77, A920Pro), and PSD2-compliant Open Banking — into a single omnichannel dashboard with automated SDI electronic invoicing wired into the collection flow. Core proprietary components include Network Tokenization for one-click recognition across the merchant network, PCI Proxy that keeps the PCI compliance scope on RoxPay servers, dynamic 3D Secure, and a REST API v4 with PHP/Node/Python SDKs and webhooks.
RoxPay monetizes via an IC++ (Interchange plus plus) transaction-fee model starting at 0.45% plus interchange, with no fixed monthly costs and a claimed 24-hour fund settlement versus the 7–14 day industry standard. Ancillary revenue comes from sale of PAX hardware terminals. Distribution combines a self-serve product-led growth funnel (free registration at app.roxpay.eu, native plugins for Magento, WooCommerce, PrestaShop) with a sales-led motion for enterprise prospects, supported by a Discord developer community. The company holds a full stack of regulatory authorizations relevant to the Italian market: PCI DSS Level 1, ISO 27001, ISO 9001, PSD2, GDPR, OAM registration as a payment intermediary, and ACN cybersecurity certification.
The customer base spans Italian SMBs and select enterprise logos across eight vertical segments — retail and franchising, hotels, restaurants, professional services, automotive workshops, pharmacies, banks, and shopping centers — with named case studies including Il Sole 24 Ore, Bosch, Zucchetti, Lodge Easy, Quiroom, Line2Lead, and Diagramma. Infrastructure partners include Nexi and Adyen for processing, Fabrick for Open Banking, PAX Italia for hardware, and Visa/Cybersource for card-network and fraud tooling. The company is privately held with €415,000 share capital, no disclosed external funding, and an employee count disclosed at 1–10; remote onboarding is currently restricted to Italian residents, while the corporate website is published in eleven languages.
Rox Pay Srl firmographics
Firmographics- Name
- Rox Pay Srl
- Legal name
- Rox Pay S.p.A.
- Website
- https://roxpay.eu
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- RoxPay is an Italian fintech that provides an all-in-one payment infrastructure platform unifying online payments, PAX Android POS terminals, and PSD2 Open Banking with automated SDI electronic invoicing for Italian SMBs and enterprises. It monetizes via an IC++ transaction-fee model starting at 0.45% and serves verticals including retail, hospitality, restaurants, and professional services.
- Ownership category
- akta.pro rank
Rox Pay Srl industry classification
Industry- Product category
- Payment Processing Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- akta.pro primary industry
- Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)
- akta.pro secondary industries
- POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant) (FSAMAFAC), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
Keywords
Where Rox Pay Srl is headquartered
LocationHeadquarters
- HQ city
- Poggibonsi
- HQ country
- Italy
- HQ region
- Europe
Offices1 record
Markets served
Rox Pay Srl business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Supply Chain
Revenue model
- Transaction Processing Fees: IC++ (Interchange ++) fee model starting from 0.45% + interchange fee per transaction. No fixed monthly costs. Revenue scales with transaction volume.
- POS Hardware Sales: Sales of PAX Android smart POS terminals (A77, A920Pro) with integrated RoxPay software
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | IC++ Transaction Fee |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Rox Pay Srl product offering
Product offeringCore offering
RoxPay provides an all-in-one payment infrastructure platform for Italian businesses that unifies online payment gateway services, Android-based smart POS terminals (PAX A77 and A920Pro), and PSD2-compliant Open Banking connectivity within a single automated accounting workflow. The platform supports card payments, digital wallets, alternative payment methods, BNPL, recurring billing, and integrated electronic invoicing via the Italian SDI system, with IC++ transparent pricing starting at 0.45% plus interchange fee.
Product overview
RoxPay is an all-in-one payment infrastructure platform built for Italian businesses, combining an online payment gateway, physical POS terminals, and open banking into a single unified system. The core platform includes online payments, recurring payments, open banking, and smart POS, while add-on modules provide BNPL financing, PCI tokenization, loyalty (Rox-Memory), and fraud prevention. The platform features IC++ transparent pricing from 0.45%, PCI DSS Level 1 certification, 24-hour fund accreditation, and integrations with major e-commerce platforms.
Differentiator
Problem solved
Functional benefit
Products and services
- Pagamenti Online (Online Payments) Online payment gateway enabling e-commerce businesses to accept card payments, digital wallets, and alternative payment methods through a unified REST API. Supports 40+ payment methods including Visa, Mastercard, Amex, Apple Pay, Google Pay, PayPal, Klarna, Bancontact, and iDEAL.
- POS Smart (Smart POS Terminals) Android-based smart POS terminals (PAX A77 and A920Pro) for in-store payments with Wi-Fi, 4G, NFC, touchscreen, and integrated printer. Managed through the unified RoxPay dashboard with the RoxPay software pre-installed.
- Open Banking PSD2-compliant Open Banking connectivity enabling bank transfers and account-to-account payments through European APIs. Integrates with Fabrick for payment initiation and account information services.
- Pagamenti Ricorrenti (Recurring Payments) Subscription and recurring payment management for businesses to automate repeat billing cycles, including tokenization for one-click repeat charges.
- Buy Now Pay Later (BNPL) BNPL payment option allowing customers to split purchases into installments at point of sale, integrated with the RoxPay payment infrastructure.
- PCI Proxy Tokenization service that removes sensitive card data from merchant systems, keeping PCI scope on RoxPay servers. Enables custom checkout without merchants handling sensitive data.
- Rox-Memory Loyalty and customer retention tool integrated with payment processing, enabling merchants to recognize and reward repeat customers via tokenization.
- Sicurezza & Antifrode (Security & Fraud Prevention) Enterprise security and fraud prevention system with dynamic 3D Secure authentication, real-time transaction monitoring, and AML intelligence tools (Predict Index AML, Reputational Index, Criminal Infiltration Index, Rozes data intelligence, Cogito intelligence platform).
Quantifiable outcome
- +15% average conversion increase with optimized checkout
- +3 more outcomes
Companies that use Rox Pay Srl
Customer profileNamed customers7 records
Segments8 records
Ideal customer profiles6 records
Rox Pay Srl technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature7 records
Rox Pay Srl partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core and minor.
- NexicorePayment processing partner enabling card acceptance and transaction processing through Nexi's payment infrastructure.
- AdyencoreGlobal payments platform partner providing international payment processing capabilities and global payment method coverage.
- FabrickcoreOpen Banking integration partner enabling PSD2-compliant payment services and account information services.
- PAX ItaliacoreHardware partner providing Android POS terminals (A77, A920Pro) integrated with RoxPay platform.
- Visa / CybersourcecoreCard network partnership for Visa acceptance and Cybersource fraud management integration.
- Business Angels Network / BAN-BancomatminorItalian business angels network for fintech investments and distribution.
- AssoSoftwareminorItalian software association partnership for ERP and accounting software integrations.
- Timone ServicesminorImplementation and consulting partner for RoxPay deployment.
- Eden TechnologiesminorTechnology consulting partner referenced as company resource.
- MagentocoreNative e-commerce plugin integration for Magento platform merchants.
- WooCommercecoreNative e-commerce plugin integration for WooCommerce platform merchants.
- PrestaShopcoreNative e-commerce plugin integration for PrestaShop platform merchants.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Rox Pay Srl competitors and assessment
Company assessmentDirect peers
- Planet (Planet Payment): Hospitality- and retail-focused payment processor with integrated POS and gateway solutions. Comparable because Planet is both a named partner of RoxPay and a competitor in the vertical-specific SMB acceptance segment.
- SumUp: European PSP specializing in SMB card acceptance via mobile POS and integrated online payments. Comparable product mix (POS + online) and SMB focus, though SumUp operates across multiple European markets.
- myPOS: European all-in-one payment solution combining POS terminals with merchant accounts and online acceptance for SMBs. Highly comparable on the unified POS + online + open banking stack pitched to small merchants.
- Mollie: European integrated payment processor serving SMBs and mid-market with multi-method gateway and developer APIs. Comparable on multi-acquirer, multi-method payment acceptance model targeting European merchants.
- Satispay: Italian mobile-native payment network and merchant acceptance platform. Comparable because both target Italian SMBs and consumers with a localized, regulated fintech stack positioned as an alternative to global card schemes.
- Axerve: Italian payment gateway (formerly CartaSi/Axerve) by Nexi group offering e-commerce and omnichannel payment acceptance. Direct domestic competitor for Italian merchants, especially in mid-market.
Broad incumbents
- Adyen: Global unified commerce payments platform. Direct comparability on integrated online + POS offering, omnichannel processing, and global payment methods — and also a core processing partner of RoxPay.
- Stripe: Global integrated payment processor that RoxPay explicitly benchmarks itself against (Stripe comparison page and savings calculator). Both serve online merchants with developer-first APIs and transparent pricing.
- Worldline: European merchant acquiring and payment services giant. Comparable on integrated omnichannel merchant services, POS, and gateway offerings across European SMB and enterprise segments.
- Nexi: Italy's largest domestic payment processor and acquirer. Direct comparison because Nexi is both a competitor and a partner (RoxPay processes through Nexi rails) for Italian merchant acquiring, with far broader scale and product breadth.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Rox Pay Srl social profiles
Digital presenceRox Pay Srl compliance and trust
Trust signalCompliance7 records
Rox Pay Srl financial estimates
Financial estimateRevenue estimate
Valuation estimate
Rox Pay Srl leadership team
Management profileNumber of profiles
Profiles1 record
Rox Pay Srl funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Rox Pay Srl M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Rox Pay Srl
What does Rox Pay Srl do?
RoxPay provides an all-in-one payment infrastructure platform for Italian businesses that unifies online payment gateway services, Android-based smart POS terminals (PAX A77 and A920Pro), and PSD2-compliant Open Banking connectivity within a single automated accounting workflow. The platform supports card payments, digital wallets, alternative payment methods, BNPL, recurring billing, and integrated electronic invoicing via the Italian SDI system, with IC++ transparent pricing starting at 0.45% plus interchange fee.
Is Rox Pay Srl a public or private company?
Rox Pay Srl is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Rox Pay Srl founded?
Rox Pay Srl was founded in -1. It employs 1 to 10 people.
Where is Rox Pay Srl based?
Rox Pay Srl is headquartered in Poggibonsi, Italy, in the Europe region.
How does Rox Pay Srl make money?
Two revenue lines are on record. Transaction Processing Fees are the primary driver. The others are POS Hardware Sales.
Who are Rox Pay Srl's main competitors?
Direct peers on record are Planet (Planet Payment), SumUp, myPOS, Mollie, Satispay and Axerve. Broad incumbents are Adyen, Stripe, Worldline and Nexi.
Does Rox Pay Srl have an API?
Yes. RESTful API v4 for payment processing. Supports payment creation, webhook notifications for real-time events, and integration with e-commerce platforms. Environment includes sandbox for testing. Developer documentation is at app.roxpay.eu/api/v4/docs.
What industry is Rox Pay Srl in?
Rox Pay Srl's product category is Payment Processing Platform. Its primary akta.pro industry code is FSAMABAA, Integrated Payment Processors (PSP/Acquirer), with a secondary code of FSAGABAO, POS, SoftPOS & In-Person Acceptance Infrastructure. Its NAICS code is 522320.