Global B2B payments, with a purpose.
Finxplor set out to give businesses one platform for payments with a purpose. We built the platform and its admin system: bill payments, airtime, wallet transfers, gift cards, remittances and eSIM, on a proprietary API with a smart routing engine, reaching 44+ countries, UK FCA authorised with a Canada MSB licence.
One API for every service.
Businesses connect once and reach six payment services across 44+ countries.
- 01Finxplor APIA proprietary API, built for payments rather than adapted from third-party schemas.
- 02Everyday paymentsBill payments, airtime top-ups and wallet transfers.
- 03Cross-border extrasGift cards, remittance and eSIM, which can combine in a single transaction.
The problem
Most money sent home is sent to do something specific: a bill, a top-up, school fees. Businesses needed one B2B platform built for that intent, with the regulatory footing to operate across borders.
The global remittance market moves $905B a year, and a growing share of it is shifting onto digital platforms.
65% of customers send with a specific intent in mind: a bill, a top-up, school fees, not a transfer for its own sake.
Serving that market meant one integration covering bill payments, airtime, wallets, gift cards, remittances and eSIM, not a different provider per service.
Solution design
We built a proprietary API and smart routing engine that runs six payment services from one integration, with an admin console behind it, delivered over a long-run engineering partnership.
One proprietary API
A custom API layer built from the ground up, with data models purpose-designed for payments, bills, airtime, gift cards and remittance flows across 6+ API service domains, not bent from third-party schemas. Every provider connects directly, with no middleware between initiation and settlement.
A partner integration gateway
RESTful APIs, full documentation, sandbox environments and webhook support, so partners and third parties consume Finxplor's services directly.
Smart routing
A routing engine that selects the optimal corridor, provider and settlement path for every transaction, weighing cost, speed and success rate.
A route for every request.
A routing engine picks the corridor, provider and settlement path for each transaction.
- 01Smart routingEach transaction is weighed on cost, speed and success rate.
- 02Direct providersEvery provider connects directly, with no middleware in between.
- 03Chosen routeThe best path is selected and the transaction settles through it.
Benefits
What businesses gain by running all six payment services, and the operation behind them, from one Finxplor platform.
One API for every market.
Businesses reach 44+ countries through a single proprietary API, instead of integrating a different provider for each corridor.
One transaction, several intents.
Remittance can combine with bill payments, airtime and gift cards in a single transaction, matching how customers actually spend.
Last-mile reach, around the clock.
Airtime to 600+ operators in 140+ countries, gift cards issued in 65+ countries, eSIM provisioning across 120+ countries, backed by deep local payment network access and 24/7 regional support.
Built to scale, built to stay up.
Cloud-native infrastructure holds 99.9% uptime, so the platform scales with demand across every service line.
Run the business from one console.
The B+ admin system handles fund transfers, gift-card inventory, wallet loading and real-time profit and loss.
Regulated to operate across borders.
UK FCA authorised with a Canada MSB licence, with established payment, gift-card and telecom partners behind the platform.
Results
A B2B payments platform delivered end to end and live across all six service lines.
Figures from the delivered platform and Finxplor market material.
Related
More of what we design and build for regulated fintech and payments.