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Embedded Fintech for Digital Ecosystems

The Payment
Backbone of
Digital Ecosystems

Accept payments, split revenue, hold escrow, and issue cards — all through one API. One API. Infinite possibilities.

€0
Setup
30+
Currencies
T+2
Payout
Get Early Access View Documentation
paycux Card
Payment Split
€1,250 split 3-way
FX Conversion
€ → ₺ Real-time
Instant Payout
0
Transactions Processed
0
Currencies Supported
0
Uptime SLA
€0
Setup Fee
Why paycux

Stop Losing Money on
Legacy Payment Systems

See how embedded fintech transforms your payment operations and saves millions.

Traditional Processing

High fees: 2-4% per transaction on legacy providers
No multi-currency support
No payment splitting capability
Manual reconciliation
No escrow mechanism
Separate systems for each platform

With paycux.com

Low fees: ~1.4% + €0.25 per transaction
30+ currencies, automatic FX
Multi-party payment split
Real-time reconciliation
Built-in escrow for group buying
One API for entire ecosystem

Switch to paycux and save up to 60% on fees

Compared to legacy payment providers — the more volume, the more you save.

Products

Built for Complex Digital Payments

Every feature designed around the unique needs of multi-party digital commerce.

Multi-Party Payment Split

One payment, automatically distributed. Platform fee, supplier payout, carrier fee — all in one transaction.

€1,000
Payment
€850
Supplier
€100
Platform
€50
Carrier

Escrow & Hold

Hold payments until conditions are met. Perfect for group buying campaigns.

Campaign funded 72%
Secure Hold Active

30+ Currencies

Accept EUR, USD, GBP and pay out in TRY. Automatic FX conversion at competitive rates.

€
$
£
₺

Instant Payouts

Suppliers get paid in minutes, not days. Standard T+2 or instant for a small fee.

Payment received
10:30 AM
Processing
10:30 AM
Payout sent
10:31 AM
Coming Soon

Procurement Cards

Branded virtual and physical Visa/Mastercard cards for your team's spending.

PAYCUX · VISA · **** 4242
Coming Soon

Supply Chain Finance

Reverse factoring — pay suppliers early based on shipment confirmation and verified delivery.

Ecosystem

One Payment Layer.
Unlimited Platforms.

paycux connects every participant in your digital ecosystem — marketplaces, procurement hubs, logistics, and group buying.

paycux paycux

Marketplaces

Automated commission splits

Cross-Border Hubs

Multi-currency checkout

Group Buying

Escrow & collective refund

Logistics

Carrier payment routing

Your Platform

Plug in via our API

Developers

How paycux Works

Four steps from checkout to payout. Fully automated, fully transparent.

1

Buyer Pays

Customer completes checkout via paycux-branded payment page. Fully PCI-DSS compliant.

2

Smart Split

Payment automatically splits: platform fee, merchant share, and partner fees to each connected account.

3

Instant Settlement

Suppliers see funds in T+2 standard or instantly. Real-time webhook notifications.

4

Full Visibility

Dashboard shows all transactions, payouts, FX conversions, and reconciliation in real-time.

Pricing

Simple, Transparent Pricing

No hidden fees. No surprises. Pay only for successful transactions.

1.4% + €0.25
per successful transaction
Platform fee: You set it (recommended 10%)
Instant payouts: +1% per payout
Currency conversion: Competitive FX rates
Disputes: €15 per dispute
Monthly fee: €0
Setup fee: €0
What's Included
CapabilityStatus
Multi-party payment split✓ Included
30+ currencies & auto FX✓ Included
Escrow & conditional holds✓ Included
Real-time reconciliation✓ Included
Instant payouts✓ +1% fee
Merchant dashboard✓ Included
Procurement cardsComing Soon
Pricing based on European card rates. Non-European cards may have additional fees. Contact us for volume pricing.
Security

Enterprise-Grade Security

Bank-grade infrastructure. Compliant from day one.

PCI-DSS Level 1

Card data never touches our servers. Fully tokenized payment processing.

GDPR Compliant

Full EU data protection. DPA agreements. Right to erasure.

PSD2 / SCA

Strong Customer Authentication with 3D Secure 2.0 built in.

256-bit Encryption

Banking-grade TLS encryption for all data in transit and at rest.

AI Fraud Detection

ML-powered fraud scoring and prevention on every transaction.

SOC 2 Compliant

Enterprise-grade security controls audited by independent third parties.

Ready to Transform Your Payment Infrastructure?

Join the early access program. Be the first to experience the future of embedded payments.

No credit card required. We'll notify you when paycux goes live.

Thank you! You're on the early access list. We'll be in touch soon.