Card-present acquiring infrastructure
Own the merchant relationship outright.
BeamPay is acquiring infrastructure for fintechs and neobanks that want to own the merchant relationship outright — the data, the economics, and the experience — instead of renting the layer underneath it.
In person today. Online planned.
In person
Terminals, POS and switching.
Online · planned
Future partner expansion. Not yet available.
The landscape
The challenges fintechs face with card acquiring today.
A fintech that already owns the merchant relationship has three ways to add acquiring behind it — and each comes with a trade-off.
BUILDING IT
Owning acquiring is worth it — but building it takes years.
The largest neobanks started building card acquiring in-house rather than renting it: their own platform, their own terminal, their own POS. Owning the data, the economics, and the merchant relationship was worth the multi-year build — but few can absorb that cost or timeline.
RENTING IT
Renting is fast — but it means giving up control over data and margins.
The provider keeps the card data and line-by-line settlement, controls reserves, and takes a share of every transaction. The merchant relationship runs on someone else's infrastructure.
HALF-MEASURES
Orchestrators add visibility — not ownership.
They sit on top of rented acquiring: a clearer view of the same setup, while the data, the economics, and the merchant relationship still belong to someone else.
BEAMPAY
A third path: a full stack under one brand.
The merchant relationship owned outright, with full visibility into data and economics — and none of the multi-year build.
The product
Built for in-person payments.
Owned IP · Card-present acquiring
The full in-person stack, built and owned.
Everything from the terminal in the merchant's hand to the switch behind it.
Payment gateway & multi-acquirer switch
Routing across supported acquiring connections, subject to integration and partner agreements.
Terminal management & remote key injection
Provisioning, updates, and key management across the whole estate, from the cloud.
Multi-vendor terminal options
Device availability and certification must be confirmed for the hardware, software, acquiring connection and market in your deployment.
POS application — 50+ modules
Receipts, promotions, and back office — the software that runs the merchant's counter.
Partnerships & roadmap
Regulated services through partners.
Scheme access and settlement depend on the acquiring arrangements for each deployment.
Acquiring licence & scheme membership
Provided through a licensed sponsor acquirer. Your own permissions depend on your activities, jurisdiction and contractual role.
Settlement rails
Regulated settlement underneath, feeding the client's own line-by-line data.
Online acquiring — planned
E-commerce gateway and checkout are a future expansion through partnerships. Not yet available.
What ownership makes possible
Ownership, made concrete.
Full data lifecycle visibility
Settlement line by line, interchange computed rather than estimated, and reserves that work in the client's favour.
One embedded onboarding
An integrated merchant onboarding flow. Reuse of KYB/KYC information, additional checks and fees depend on the acquiring partner and applicable requirements.
Modern terminal estate
Remote estate and key management for supported devices. Certification and availability depend on the deployment configuration.
Full white-label customization
The client's brand on every screen, every receipt, every prompt.
Who we serve
Built for the companies that already have the merchant.
EMIS & NEOBANKS
A licence and a merchant base, no acquiring technology.
Add acquiring technology under your brand, subject to the permissions and acquiring arrangements required for your programme.
PSPS
Payments on legacy rails and a patchwork of vendors.
Bring processing and acceptance into a white-label stack, with a rollout plan based on your integrations and approvals.
VERTICAL SAAS PLATFORMS
Software that runs the merchant's business.
Add in-person payments inside the product — terminals and counter software, with the economics on the platform's P&L.
Beam bridge
A managed programme for a smooth merchant transition.
START FAST
Start with a scoped pilot.
Where supported, SoftPOS can be part of an initial pilot. Device eligibility, certification and acquiring approval must be confirmed before live acceptance.
RUN IN PARALLEL
Plan coexistence and fallback.
The migration plan can include the existing provider as a fallback where supported. Coexistence depends on the acquiring connections, contracts and tested migration plan.
MOVE AT YOUR PACE
Transition in planned stages.
Plan merchant cohorts, hardware replacement and acceptance criteria for each stage. Data access and contract changes are agreed as part of the migration.
Programme start
Mid-transition
Complete
Illustrative migration plan: volume shifts from the existing provider (coral) to BeamPay (mint) in stages. Fallback and completion criteria are agreed and tested for each deployment.
Own the merchant relationship. Own the stack.
If you already own the merchant relationship and want acquiring behind it — under your brand, on your P&L — we should talk.