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.
One deployment
Card-present and online, in one stack.
In person
Terminals, POS software, and the switch — the merchant's whole counter.
Online
Checkout and e-commerce, in the same relationship.
One integration. One commercial relationship.
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.
Revolut built its acquiring in-house rather than rent it: its own platform, its own terminal, its 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
Deployed as one stack.
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
Routes — and re-routes — across acquirers underneath, so the client is never locked to one.
Terminal management & remote key injection
Provisioning, updates, and key management across the whole estate, from the cloud.
Certified multi-vendor terminals
Integrated and certified across leading hardware vendors, with the most modern device options.
POS application — 50+ modules
Receipts, promotions, and back office — the software that runs the merchant's counter.
Via sponsor partnership · Online & scheme access
Online acceptance and the licence, alongside.
The regulated pieces, provided by a principal sponsor acquirer.
E-commerce gateway & checkout
Online acceptance delivered in the same relationship as card-present.
Acquiring licence & scheme membership
Held by a principal sponsor acquirer — the client never needs a licence of its own.
Settlement rails
Regulated settlement underneath, feeding the client's own line-by-line data.
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
One clean merchant record — no duplicate KYC, no second onboarding fee.
Modern terminal estate
Certified hardware across vendors, managed and re-keyed remotely.
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.
Extend an existing regulated position into full card-present and online acquiring under one brand.
PSPS
Payments on legacy rails and a patchwork of vendors.
Replace the patchwork with one modern, white-label full-commerce stack, live in months.
VERTICAL SAAS PLATFORMS
Software that runs the merchant's business.
Add acceptance inside the product — terminals, counter software, and checkout, with the economics on the platform's P&L.
Beam bridge
A managed programme for a smooth merchant transition.
START FAST
Live acceptance in weeks, not months.
SoftPOS puts live acceptance in a merchant's hand on the devices they already own — before any hardware ships or any till is touched.
RUN IN PARALLEL
Both systems live, side by side.
The multi-acquirer switch keeps the existing provider running as fallback while volume shifts across gradually. Nothing is ever at risk — a capability most stacks can't offer.
MOVE AT YOUR PACE
Transition in planned stages.
Merchants move in cohorts, hardware swaps on its natural replacement cycle, and the client's data and contracts stay theirs throughout.
Programme start
Mid-transition
Complete
Volume shifts from the existing provider (coral) to BeamPay (mint) wave by wave, with the previous provider live as fallback until each stage is confirmed complete.
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.