ISX

What is ISX and what do they do?

ISX Financial is a banktech and regtech provider offering corporate eMoney accounts, payment acceptance, and cross-border transfers from a single ecosystem. Its ISXMoney® corporate accounts give businesses a European IBAN (BIC ISEMCY22) or a UK sort code and account number (BIC ISFIGB22), with support for multi-currency balances in USD, AUD, CAD, JPY, NZD and more.

On the payments side, ISXPay® lets merchants accept major card schemes, Open Banking payments through the PaidBy® solution, and SEPA or Bacs Direct Debit for recurring billing — all through one platform, with card tokenisation, real-time transaction monitoring, and Strong Customer Authentication (SCA) built in for PSD2 compliance. For transfers, ISX supports SEPA Instant payments (10-second settlement across the EEA), UK Faster Payments (up to £1,000,000 per transaction), and SWIFT transfers in up to 127 currencies. The company also runs ID verification (Paydentity™), core banking software (Probanx®), and bulk payout tooling under the same ecosystem.

Who is it for?

ISX serves online and high-growth businesses that need corporate accounts, payment acceptance, and international transfers combined rather than sourced separately — from smaller merchants opening a single eMoney account to larger corporations and financial institutions building on its core banking and mass payout infrastructure. Its Direct Debit and open banking tools are a natural fit for subscription and membership businesses managing recurring billing.

Why do businesses choose ISX?

• One account for local and international operations — multi-currency balances, SEPA/UK transfers, and payment acceptance without stitching together separate providers
• Fast settlement — SEPA Instant transfers clear in around 10 seconds, and Open Banking payments accelerate cash flow compared with card fees
• In-house technology stack across its core products (Paydentity™, Probanx®, ISXPay®), giving ISX direct control over uptime and security rather than depending on third parties
• PCI DSS Level 1 certification and card tokenisation, so merchants can accept card payments without taking on the full compliance burden themselves
• Broad reach — coverage across 150+ countries and SWIFT connectivity for global transfers alongside EU and UK domestic rails

Businesses using Corefy can simply obtain a MID from ISX and connect it to Corefy's dashboard in a few clicks, without dealing with any integration work.

Is ISX trustworthy?

ISX has operated for nearly a decade and processes at a meaningful scale, with €354 billion or more in transacted volume and over 151 million transactions across more than 150 countries since 2020. Its UK entity, ISX Financial UK Ltd, is FCA-authorised as an eMoney institution (FRN 901034), while Xryma Plc — formerly ISX Financial EU Plc — is authorised by the Central Bank of Cyprus as an EEA eMoney institution.

The company holds Mastercard, Visa, and JCB principal licensing for the EU, is certified to PCI DSS Level 1 for payment data security, and safeguards client funds by maintaining short-term liquidity with central banks and long-term funds with leading credit institutions.