Service — Payments & PSP Infrastructure
Payment Infrastructure for Regulated Financial Operations
FXBX advises on the full spectrum of payment infrastructure requirements for regulated entities — from merchant acquiring and PSP channels to virtual accounts and settlement rail strategy.
Overview
Payment Infrastructure as a Regulatory and Operational Imperative
For regulated financial services entities — including FX brokers, FinTechs, and crypto exchanges — access to reliable, compliant payment infrastructure is a fundamental operational requirement. The ability to accept client deposits, process withdrawals, and manage settlement flows directly determines the viability of the business.
FXBX provides advisory and facilitation services across the full payments infrastructure lifecycle. This encompasses merchant acquiring relationships, global PSP channel access, virtual and multicurrency account structures, and settlement rail strategy — all designed within the compliance and regulatory frameworks applicable to the client's jurisdiction and business model.
Our approach recognises that payment infrastructure for regulated financial services entities carries heightened compliance obligations. Each advisory engagement incorporates AML/CTF alignment, safeguarding requirements, and the due diligence standards expected by acquiring banks and PSPs operating in this sector.
FXBX Scope of Work
- Payment infrastructure requirements assessment
- PSP and acquirer identification and introduction
- Application documentation preparation support
- Compliance and AML framework alignment for payments
- Virtual account structure design
- Settlement rail strategy and architecture advisory
- Ongoing payment operations advisory
Infrastructure Pillars
Four Dimensions of Payment Infrastructure Advisory
Merchant Acquiring Relationships
FXBX facilitates introductions and application support for merchant acquiring relationships with acquiring banks and payment processors. We advise on the documentation, compliance, and structural requirements necessary to establish and maintain acquiring facilities for regulated financial services businesses.
- Card acquiring for FX and financial services
- High-risk merchant category advisory
- Acquiring bank relationship management
- Chargeback and dispute framework advisory
Global PSP Channels
Access to a network of global payment service providers across multiple regions and payment methods. FXBX advises on PSP selection, integration requirements, and the compliance obligations associated with each channel — ensuring payment infrastructure that is both functional and regulatorily sound.
- Multi-region PSP network access
- Alternative payment method integration
- PSP compliance and due diligence advisory
- Redundancy and failover channel strategy
Virtual & Multicurrency Accounts
Advisory on virtual account structures and multicurrency account arrangements for regulated entities. This includes IBAN issuance, currency wallet structures, and the operational frameworks required to manage client funds in compliance with applicable safeguarding regulations.
- IBAN and virtual account structures
- Multicurrency wallet architecture
- Client fund segregation frameworks
- Safeguarding account arrangements
Settlement Rails Strategy
Strategic advisory on payment settlement infrastructure, including SWIFT, SEPA, local clearing networks, and emerging real-time payment rails. FXBX assists in designing settlement architectures that balance speed, cost, compliance, and operational resilience.
- SWIFT and SEPA connectivity advisory
- Local clearing network access
- Real-time payment rail integration
- Settlement reconciliation framework design