Platform
In-person payment orchestration platform
Switchio sits between your payment devices and your acquirers. It takes a transaction from any certified terminal, SoftPOS phone or unattended device, applies your routing rules and sends it to the acquirer you choose, with a backup ready for the moment one stops answering.
How it works
One platform between the terminal and the acquirer.
In-person payment orchestration means routing card present transactions to several acquirers from a single integration. Devices connect once to Switchio, rules decide where each payment goes, and the platform translates the protocol the acquirer expects.
Key capabilities
What the platform does.
The switch at the core processes thousands of transactions per minute and behaves the same whether the payment starts at a counter, a kiosk or a charge point. Switchio calls it the Authorisation Core Module, and the Payment Gateway page is where its routing rules, mapping and pipelines are described.
See the switch in detail- Smart routingEvery payment takes the path you set, by card type, amount, merchant or your own rules.
- Automatic failoverWhen an acquirer stops answering, the transaction goes to the backup and the sale still goes through.
- Multi-acquirer connectionsOne integration reaches 40+ acquirers, domestic schemes and processing centres.
- End-to-end encryptionPCI P2PE certified encryption and key shielding protect card data from the terminal to the host.
- Protocol translationSwitchio speaks the protocol each acquirer expects, so a new connection does not change your integration.
- Alternative payment methodsAccount to account payments and wallets run natively next to cards, in the same transaction lifecycle.
BUILT TO KEEP RUNNING
When an acquirer goes down, your checkout does not.
- 40+acquirers, local and global
- 30 yearsof MONET+ in payments
Multi-acquirer connections and automated backup routing keep transactions flowing in real time if a primary acquirer experiences downtime.
Coverage
One integration, 40+ acquirers.
Switchio connects to acquirers, processing centres, fleet card issuers and wallet providers, so a new market usually means a configuration, not a project.
Acquirers
40+ connected across Europe and beyond, more in certification.
- EU cross-border: Elavon, Fiserv EU, Payabl., Raiffeisen Bank International, Rapyd, Shift4, Worldline and Worldline Nordic
- International: Elavon, Fiserv and Worldpay in the US, BancoEstado and Klap in Chile, ANZ Worldline in Australia and more
- Regional: ČSOB, Global Payments, UniCredit Bank, OTP, K&H, NLB, Payone, Tatra banka, Worldline Czech Republic and more
Card schemes
International schemes run through the acquirer processing centre.
- Visa
- Mastercard
- American Express
- China UnionPay
- JCB
- Diners Club and Discover
- Bancontact, BankAxept and Dankort
Processing centres and issuers
Fleet cards, meal vouchers and wallets on the same connection.
- Nets, Denmark
- Nexi Central Europe, Slovakia
- IT CARD, Poland
- Silverflow, Netherlands
- Ukrainian Processing Centre
- Fleet cards: DKV, Eurowag, UTA, CCS, E100, AS24, LogPay
- Meal vouchers: Pluxee, Up Slovakia, Szép, AxaCard
- Wallets: Alipay and WeChat Pay
Some connections are still in project implementation, so ask us about the market you need.
See every connectionWhere it runs
Certified hardware, Linux and Android.
The same platform drives attended counters, unattended kiosks and phones, so one fleet can mix all three.
Linux terminals
Standalone, or integrated with the cash register over B-protocol, IFSF or a custom integration.
- Ingenico LANE
- Ingenico DESK
- Ingenico MOVE
- Ingenico SELF, unattended
- Ingenico OPEN, unattended
Android terminals
Standalone, internal ECR app to app, or external ECR over the GSA protocol.
- PAX
- NEXGO
- Ingenico AXIUM
- FEITIAN
Phones with SoftPOS
Contactless payments on a phone the merchant already owns.
- Android 11 and newer with NFC
- PCI MPoC certified
- White label, your brand and your distribution
- Activation with a nine digit code
Architecture and security
Built to stay up and stay certified.
- High availabilityGeo-redundant architecture and monitoring that picks up issues before they reach the checkout.
- Hardware agnosticLinux terminals, Android terminals, SoftPOS phones and unattended devices run on one platform.
- Multi-tenant or single-tenantShare a managed environment, or run a dedicated one when compliance calls for it.
- Certified securityPCI DSS every year, PCI PTS every two years, PCI P2PE, PCI MPoC for SoftPOS and ISO 27001.
- A rollout with three gatesIntegration, acceptance and production, so new features are certified before they reach a store.
- Portals and reportingRetail Portal for merchants, Admin Portal inside the PCI DSS environment, reports in XLSX, CSV and PDF.
Modules
What runs on the platform.
Each of them runs on the same switch, so they share one transaction lifecycle, one set of rules and one set of reports.
- Terminal Management SystemMonitor, configure and update the whole fleet from one dashboard.
- SoftPOSTap to Phone on Android 11 and newer, launched under your own brand.
- Payment ApplicationCertified applications for Linux and Android terminals, attended and unattended, on one core.
- Supported devices40+ certified devices for the counter, the kiosk and the charge point.
Who we serve
Wherever a card meets a device.
Bank terminal networks, retail counters, self-service kiosks, EV chargers and public transport. All on the same platform.
FAQ
Payment orchestration, answered.
The questions banks, retailers and operators ask us first.
What is in-person payment orchestration?
It is a layer between payment devices and acquirers. Terminals, SoftPOS phones and unattended devices connect once to Switchio, and routing rules decide which acquirer takes each transaction.
Because the platform translates protocols, adding an acquirer is a configuration step rather than a new integration project.
How is orchestration different from a payment gateway?
A gateway carries a transaction to one acquirer. Orchestration decides which acquirer should take it, moves to a backup when one is unavailable and speaks the protocol each of them expects.
What happens when an acquirer goes down?
The transaction is rerouted to the backup acquirer under the rules you set, so the payment still completes. Routing rules can also send traffic by card type, amount or merchant, not only during an outage.
Can we keep the terminals we already have?
Switchio runs on Ingenico LANE, DESK and MOVE for attended use, on SELF and OPEN for unattended use, and on Android devices from PAX, NEXGO, Ingenico and FEITIAN. Tell us what you run today and we will confirm the models.
Is the platform cost effective?
Yes. Switchio is delivered as a tailored SaaS with a low initial investment and variable pricing, so there is no data centre or licence to buy up front. The certified payment applications run on the terminals you already have, which saves a hardware swap, and least-cost routing sends each transaction to the acquirer with the best fee. A new acquirer or a new market is configuration, not another integration project.
Can we run the platform under our own brand?
Yes. The payment application, the SoftPOS application and the merchant portals are white label, so your customers see your brand.
Which certifications does the platform hold?
PCI DSS certified annually, PCI PTS every two years, PCI P2PE for point to point encryption, PCI MPoC for the SoftPOS solution and ISO 27001 for the organisation behind it.
How does a rollout work?
In three phases. Integration is where new features are built and tested, acceptance is where they are certified and validated, and production is a phased rollout to the fleet.
Talk to Us
Connect with our team.
Share your current setup with us, and we’ll map out how it looks on one streamlined platform.
Other ways to reach us
Email
info@switchio.comPhone
+420 577 110 411
