Routing and invoicing on one stack.
Route account-to-account payments across open banking providers, and issue electronic invoices aligned with EN 16931 / Factur-X — each with a hosted pay-by-bank link on the same rails. No card numbers, no interchange, no scheme chargebacks.
01. Who we serve
Built for businesses that outgrew
card rails.
Five industries, one stack. Categories card networks restrict or price out — high chargebacks, compliance overhead, and reconciliation that has to be exact.
Online Gaming
Deposits and player payouts across regulated markets — A2A with bank SCA, fewer card declines.
Forex & Trading
Brokerage funding and withdrawals — account-to-account with references your compliance team can audit.
CBD & Cannabis
Restricted-category merchants — open banking where card networks block, throttle, or overprice.
Travel & Ticketing
High-ticket OTAs and bookings — bank-confirmed payments before tickets and vouchers issue.
AI
AI SaaS and usage-based billing — hosted checkout and payment links on the same open banking stack.
02. How it works
Customers pay.
Merchants get paid, now.
Orchestration routes across the best acquirers. While those rails settle on T+3, our DeFi liquidity pool fronts the float, so payout lands on T+2 in fiat or USDC.
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01
Customer pays
ACH, SEPA, and open banking — account-to-account across enabled markets.
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02
Orchestration routes
Smart routing picks the best acquirer per transaction — highest approval, lowest cost.
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03
AI underwrites the risk
Per-transaction risk and receivables underwriting deploys liquidity from the pool.
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04
Pool fronts · Merchant offramps
The DeFi pool fronts the float. Merchants settle in fiat or USDC on T+2.
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05
Acquirers settle in T+3
Visa, Mastercard, local rails — traditional settlement runs in the background, asynchronously.
03. How to start
One platform. Two product lines.
Live in four steps.
Open banking routing for checkout and API collections, plus electronic invoicing with payment links — EN 16931 / Factur-X buyer and line data, PDF, and bank settlement in one portal. Register, get verified, build against sandbox while your dossier is reviewed.
Open banking routing
Route ACH, SEPA, and PSD2 pay-ins across providers — one API, bank SCA, normalised webhooks.
Invoicing & payment links
Issue EN 16931 / Factur-X electronic invoices from the portal, email PDF + pay link, settle by bank.
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Create your account
Sign up and explore the merchant portal — collections API and invoicing — before committing to anything.
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Complete KYB
Guided dossier: legal entity, representatives, UBOs, documents. Reviewed asynchronously.
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Take your API keys
Create a collection or issue an invoice with a payment link. Sandbox first, then live.
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Go live on real rails
Routing picks the provider per market. Invoices settle on the same open banking stack.
04. Global coverage
30+ markets.
One integration.
Pay-in and pay-out across enabled markets — SEPA, FPS, and open banking rails via licensed acquirers. The same bank directory powers checkout, API collections, and invoice payment links. Hover a highlighted country for bank connections, or open the full directory.
05. White glove
Need a tailored setup?
Talk to us.
For larger volumes, specific regulatory perimeters, or a Merchant of Record arrangement, our team will architect the setup with you.
06. FAQ
Frequently asked questions.
The short version of how the StixBNK stack works.
What does StixBNK actually do?
Two things on one stack. Open banking routing initiates account-to-account payments across providers, picking the right one for the payer market and bank. Electronic invoicing lets you draft EN 16931 / Factur-X aligned invoices, issue PDFs with hosted pay-by-bank links, and mark bills paid when the bank confirms — same rails and webhooks as API checkout.
How is this different from a card gateway?
The payer authorises a transfer inside their own bank app. There is no card number, so no PCI scope for you, no interchange, and no scheme chargeback mechanism. Authentication is performed by the account-holding bank under PSD2 SCA.
Which acquirers and markets are live?
Payments are initiated through 2 licensed acquirers, selected per market. Live coverage currently spans 30 countries, and the country and bank lists are generated from live routing data rather than maintained by hand.
Do I need to handle Merchant of Record duties?
Not where indicated at checkout. NEXORA SASU can act as Merchant of Record, taking on billing, transaction processing and the associated regulatory obligations.
How do I reconcile payments?
Every collection carries your own reference through to settlement, and statuses arrive on a single normalised webhook regardless of which provider handled it. Settlement is tracked per collection, not batched into an opaque payout, so each line reconciles on its own.
How do I get started?
Register, complete KYB, and take your API keys. Build against sandbox while the dossier is reviewed, then switch to live credentials. For larger volumes or specific regulatory setups, talk to our team first.