StixPay connects you to card acquiring and crypto on-ramp providers via a single routing layer — one API, one checkout, one operations surface. No open-banking stack, no vendor patchwork.
Open to a wide range of industries — including high-risk verticals — subject to KYB and provider approval.
Payments & acquiring
Unlock better performance and higher margins with direct access to acquiring partners.
Crypto & on-ramp
Enable your users to move between traditional finance and digital assets effortlessly.
E-commerce & platforms
Offer the right mix at checkout — card acquiring and on-ramp providers, routed through one StixPay surface.
Fintech & wallets
Embed payments, top-ups, and payouts into wallets and platforms with a unified API.
Treasury & money movement
See cash positions, move funds across borders, and reconcile in real time.
KYB & partners
We sit between merchants and acquiring / liquidity partners. You get a single, structured path to KYB and risk review—then we wire the rails that partners agree to—not a generic “instant approval” story.
Organisations
Vertical examples
Checks mirror what our partners require—KYB, sanctions, model risk—before traffic touches their schemes.
Nothing is guaranteed: each partner sets its own criteria.
We map you to acquirers and liquidity providers that fit your licence, corridor, and risk—not a one-size rail for everyone.
For payment providers
Acquirers, banks, on-ramp and liquidity partners integrate once with Stixpay. We orchestrate checkout and money movement for merchants, but merchant acceptance is always decided by the provider: your underwriting, your appetite, your contract—not ours alone.
Stixpay does not place merchants on your product without your sign-off. KYB and risk data are surfaced for your decision; you can accept, review, or decline each relationship.
Connect pricing, authorisation, settlement, and status webhooks the way your systems already work. Merchants see a unified journey; behind the scenes, traffic follows your contracts and technical interfaces.
Set limits by geography, industry, volume, or MCC. Pause or exit programmes instantly. Own chargeback and dispute handling according to your policies—we enforce what you publish.
Reach qualified SMBs, platforms, and regulated verticals where your licence allows—without building and maintaining a separate merchant front-end for every integration.
API-first architecture, modular integration, and secure infrastructure — go live in days with multi-language SDKs and a single checkout contract for on-ramp and direct acquiring where enabled for your account.
1curl -sS -X POST "https://stixpay.com/api/payment/" \
2 -H "Content-Type: application/json" \
3 -H "X-API-Key: your_key" \
4 -d '{
5 "amount": "45.00",
6 "currency": "EUR",
7 "merchant_order_id": "checkout-014",
8 "customer_email": "[email protected]",
9 "customer_lastname": "Doe",
10 "customer_first_name": "Jane",
11 "country": "FR",
12 "store_name": "Example Store",
13 "success_url": "https://test.fr/success",
14 "failure_url": "https://test.fr/failed"
15}'1// C# — POST JSON to Payments API (simple mode)
2var client = new HttpClient();
3client.DefaultRequestHeaders.Add("X-API-Key", "your_key");
4// … POST https://stixpay.com/api/payment/1<?php
2// PHP — same endpoint with cURL
3$ch = curl_init('https://stixpay.com/api/payment/');
4// … CURLOPT_POST, CURLOPT_HTTPHEADER, CURLOPT_POSTFIELDSFAQ
Payment routing, one KYC, card acquiring, and crypto on-ramp — short answers.
StixPay is a payment routing platform that connects merchants to card acquiring and crypto on-ramp providers through one API and operations layer.
No. One customer KYC opens access to all connected providers on the network, without repeating identity checks for each rail.
Yes. Fiat-to-crypto on-ramp sits alongside card acquiring in the same routing layer, where enabled for the merchant account and partners.
No. StixPay is a routing layer over card acquiring and on-ramp provider APIs — not an open-banking stack and not a bank.
Private beta starts 20 September 2026. Open access follows on 1 November 2026.
One integration. Endless possibilities.