Card networks at the top. Global processing gateways in the middle. Regional acquiring banks and local payment rails at the bottom. CX Pay sits across all of them so merchants get one connection that reaches everywhere.
Every transaction passes through these three layers. CX Pay sits as the orchestration layer between them, so merchants do not have to manage the connections themselves.
If you tried to connect to the card networks, a global processor, and your local acquiring bank yourself, you would spend 12 to 18 months on integration work and certification. With CX Pay, all three layers run behind a single API.
That is what "pre-certified" actually means. The certification work is done. The acquiring relationships are in place. The local settlement rails are tested. You build to one endpoint and the rest is operationally invisible.
Talk to integration teamEvery bank, processor, and technology partner across the three layers, with the regions each one covers.