Whether you're building a neobank, a remittance app, or embedded finance inside another product, Paynexus gives you the rails without the monolith. Modular, SDK-first, framework-agnostic.
Card issuing from one vendor, acquiring from another, instant payouts from a third, open banking from a fourth, KYC from a fifth, AML from a sixth, sanctions from a seventh. Each with its own API, its own webhook format, its own incident pages.
Paynexus unifies these behind a framework-agnostic PHP SDK (PHP 7.4+) and a REST API. Use what you need, skip what you don't, and add new providers in hours — not weeks.
Issuing, acquiring, payouts, open banking, KYC, AML — one consistent interface, one billing relationship, one incident channel.
Laravel, Symfony, plain PHP, legacy codebases — the SDK runs anywhere PHP 7.4+ runs. No framework lock-in, no bloated dependency tree.
Install just the PSP modules your business requires. Card-only neobank? Install one module. Multi-rail remittance? Install five. Pay for exactly what you run.
Ship finance features inside someone else's product without exposing Paynexus branding. The infrastructure is invisible; your product is the hero.
Issue virtual and physical cards via Marqeta, Stripe Issuing, or Unlimit Cards. Standard, premium, and custom BIN programs. Programmatic controls on every transaction.
AISP for account information, PISP for payment initiation. Supported across EU, UK, and growing markets. Unified consent model — you don't manage TPP licensing.
Account-to-account transfers via SEPA, SEPA Instant, Faster Payments, SBP. Near-zero fees, seconds to settle, perfect for remittance and payroll.
Pre-wired to Sumsub, Jumio, and Onfido. Progressive KYC — collect minimum at signup, escalate as customers transact more.
Event-driven rules: "when this card transaction settles, move 10% to savings." Trigger webhooks, automated transfers, or custom workflows via our rules engine.
Add a new PSP by writing a declarative PHP spec — no code changes to core. The SDK reads the spec and generates requests, response mapping, and callback parsing automatically.
One Composer command. Core SDK + individual PSP modules. No bloat from providers you'll never use.
ProviderRegistryStandard PHP DI pattern. Each provider module auto-registers its capabilities; the registry resolves them by name at runtime.
PaymentFacade — one interface for every railSeven methods cover the entire surface: createDepositInvoice, createWithdraw, handleCallback, checkStatus, getBalance, capabilities, paywaySpec.
Create {new-psp}.spec.php describing endpoints, auth, and response mapping. Core reads the spec; no framework code to change. Afternoon's work, not a sprint.
One SDK. Every rail. Any framework. Ship in days.