Solutions
Everything you need to accept, protect and manage payments.
Six capabilities on one PCI DSS Level 1 certified platform. Start with online payments, then add orchestration, fraud tools, recurring billing and payouts as your business grows.
Accept payments online
Online Payments
Whether you run a single web shop or a global platform, Nixion Tech Gateway gives you one integration for cards, wallets, bank transfers and local methods, with the flexibility to start simple and take full control later.
- One integration for cards and alternative payment methods
- Card data handled in our PCI DSS Level 1 environment
- A checkout your customers recognise and trust
- Go live in days with plugins and payment links
Hosted payment page
A secure, mobile-optimised checkout hosted by us, so card data never touches your servers and your PCI DSS scope stays minimal.
Server-to-server API
Full control over the payment experience with a REST API for authorisation, capture, purchase, refunds and alternative payment methods.
Payment links
Create a secure payment link in seconds and share it by email, chat or invoice. No website or integration needed.
E-commerce plugins
Go live quickly on WooCommerce, Magento, PrestaShop, WHMCS and Joomla with plugins maintained by our team.
Authorise, capture and refund
Authorise now and capture on shipment, or take payment in one step. Reverse authorisations and refund captured payments in full or in part.
Multi-currency pricing
Show prices and charge customers in their own currency, with dynamic currency conversion available for international cardholders.
Smart routing and multi-acquirer processing
Payment Orchestration
Relying on a single acquirer leaves approvals and uptime to chance. Our orchestration layer lets you spread volume across multiple processing partners and decide, transaction by transaction, where each payment goes.
- Higher approval rates through smarter routing
- No single point of failure in your payment stack
- Freedom to add or change acquirers without re-integrating
- Clear visibility of performance and cost per route
Rule-based routing
Route by card scheme, BIN, issuing country, currency, amount or merchant account, with rules you can change without a code release.
Cascading and failover
Automatically retry soft declines and technical failures through an alternative acquirer, recovering revenue that would otherwise be lost.
Multi-acquirer connectivity
Work with several acquiring banks and providers at once, without rebuilding your integration every time you add a partner.
Load balancing
Distribute volume across acquirers by percentage or limits to manage cost, capacity and concentration risk.
Normalised response codes
Decline and error codes from every acquirer are mapped to one consistent set, so your systems and reports speak one language.
Performance insights
Compare approval rates, decline reasons and costs per route to keep refining your strategy.
Fraud prevention and risk management
Fraud & Risk
Fraud and chargebacks cost far more than the transaction itself. Our layered approach combines strong customer authentication with real-time risk checks and a clear process for handling disputes.
- Fewer fraudulent transactions and chargebacks
- Liability shift on authenticated card payments
- Low-friction checkout for genuine customers
- A clear, auditable process for every dispute
EMV 3-D Secure 2
Authenticate cardholders with Visa Secure, Mastercard Identity Check, American Express SafeKey and other scheme programmes, with frictionless flows where risk is low.
Real-time risk rules
Velocity limits, amount thresholds and country, BIN and IP checks evaluated on every transaction before it reaches the acquirer.
Block and allow lists
Block known bad cards, emails, IP addresses and countries, or fast-track trusted customers.
Strong Customer Authentication
Meet PSD2 SCA requirements in Europe and the UK while applying exemptions where they are permitted.
Chargeback management
Receive dispute notifications, review the full transaction trail, then accept or challenge with evidence from the portal or API.
Monitoring and alerts
Keep an eye on fraud and dispute ratios so you can act before they approach card scheme thresholds.
Subscriptions, instalments and stored cards
Recurring Payments
Recurring revenue depends on payments that simply work. We store card credentials securely in our token vault and flag every transaction correctly, so issuers approve more of your repeat payments.
- Higher approval rates on repeat payments
- Less involuntary churn from failed charges
- Faster checkout for returning customers
- No raw card data stored on your systems
Secure token vault
Card numbers are replaced with tokens stored in our PCI DSS Level 1 environment. Your systems only ever hold the token.
Subscriptions and instalments
Charge fixed or variable amounts on your schedule, with clear customer-initiated and merchant-initiated transaction flags.
One-click checkout
Let returning customers pay with a saved card in a single step, without re-entering their details.
Smart retries
Retry failed recurring payments at better times and through alternative routes to reduce involuntary churn.
Settlement, balances and payouts
Settlement & Payouts
Accepting a payment is only half the job. We give you a clear view of every balance, every fee and every settlement, and move your funds to where you need them.
- Predictable cash flow with a clear settlement schedule
- Every payout reconciled to its transactions
- Full visibility of fees and reserves
- Funds moved where you need them, in the currency you need
Multi-currency balances
Hold and track balances in multiple currencies, so you can settle where it makes the most sense for your business.
Scheduled settlement
Settlement to your nominated bank accounts on an agreed schedule, with every payout reconciled to its transactions.
Payouts to beneficiaries
Send funds to suppliers, partners and your own accounts by API or from the portal, with beneficiary account validation.
Transparent fees
See processing fees, scheme fees and reserves on each transaction, with no hidden deductions.
Reporting, reconciliation and control
Merchant Portal
Finance, support and operations teams all need answers about payments. The merchant portal gives each of them the view and the tools they need, without waiting on developers.
- Faster answers for support and finance teams
- Simpler month-end reconciliation
- Full audit trail of refunds and dispute decisions
- Secure, role-based access for your whole team
Real-time dashboard
Volumes, approval rates, payment methods and currencies at a glance, updated as transactions happen.
Transaction search
Find any payment by reference, amount, card, customer or date, and see its full lifecycle and acquirer response.
Refunds and disputes
Issue refunds and respond to chargebacks directly from the portal, with every action recorded.
Reports and exports
Download transaction, settlement and fee reports for reconciliation and accounting.
Team access controls
Invite colleagues with role-based permissions and two-factor authentication on every account.
Not sure which setup is right for you?
Many merchants come to us with a goal rather than a specification. Tell us about your business and markets, and we will recommend the right combination of solutions and payment methods.