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PSP Integration Meaning

Payment Service Provider (PSP) Integration refers to the technical process of connecting a merchant's digital platform (website, app, or PoS) to a PSP's processing network. This integration allows a business to accept a wide variety of payment methods-such as credit cards, digital wallets (Apple Pay), and increasingly, cryptocurrencies-through a single, unified interface rather than managing hundreds of individual banking relationships.The integration is typically achieved through APIs (Application Programming Interfaces) or pre-built software plugins for e-commerce platforms like Shopify or WooCommerce.

A high-quality PSP integration handles the secure "Handshake" between the merchant and the bank, ensuring that sensitive data is encrypted and that the transaction is authorized in real-time. This reduces the "technical debt" of the merchant, allowing them to focus on sales while the PSP handles the "heavy lifting" of financial plumbing.In the modern fintech era, PSP integration often involves Tokenization.

Instead of the merchant seeing or storing a customer's card number, the PSP sends a "Token" back to the merchant. This token can be used for future "One-Click" payments but is useless to a hacker if the merchant's site is breached.

This significantly lowers the merchant's PCI Compliance burden, as they never actually touch the "raw" financial data.For crypto-enabled merchants, a PSP integration might include an automatic "Fiat-Conversion" engine. When a customer pays in Bitcoin, the PSP instantly converts the crypto into USD or EUR and settles the funds into the merchant's bank account.

This allows the merchant to benefit from the global reach of crypto without being exposed to its high price volatility. Choosing the right PSP integration is a critical business decision, as it impacts everything from transaction fees and settlement times to the overall user experience at checkout.

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Important Disclaimer:

Finery Markets BVI Limited (“Finery Markets”) provides software, technology infrastructure, and related Information and Communication Technology (ICT) services on a Software-as-a-Service (“SaaS”) basis. Finery Markets acts solely as a software vendor and does not operate a trading platform, does not intermediate, match, execute, clear, or settle transactions, and does not engage in any activities that would require regulatory authorisation under applicable laws.

Finery Markets’ software is non-custodial and is provided exclusively to licensed institutional entities that act as independent operators of their own environments. All counterparties are solely responsible for establishing and maintaining their own bilateral trading and settlement relationships. Finery Markets is not a party to any such arrangements and assumes no responsibility for the conduct, verification, or compliance obligations of any users of the software.

Nothing on this website shall be construed as a financial promotion, investment advice, or an offer to engage in regulated activities. Access to and use of the software is strictly limited to clients who have entered into a software licensing agreement with Finery Markets. Persons located in jurisdictions where such access is restricted should not rely on this website or any of its contents.

Additional notice to UK visitors: This website and associated communications are not intended to constitute a financial promotion under The Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (as amended) and related guidance. Access to services provided by Finery Markets is limited to regulated entities, professional clients and eligible counterparties as set out by the Financial Conduct Authority. UK users are not permitted to use this website for the services of Finery Markets if they don't fall within these categories.