01 — FINANCIAL INSTITUTIONS
Financial institutions have the rails
Acquiring, processing, risk management, settlement, regulated infrastructure, policy and scale.
The AI-first operating layer for PSPs, financial institutions and vertical SaaS providers.
Path connects PSPs and financial institutions to the software platforms merchants already run their businesses on — integration in hours, merchant boarding in minutes, and institutional-grade control throughout.
Merchants increasingly choose payments inside the software they already use to run their businesses. Vertical SaaS providers — ISVs — have become the route to market, and the payments firms that serve them best are winning the merchant relationship.
Acquiring, processing, risk management, settlement, regulated infrastructure, policy and scale.
Merchants buy payments inside the software they already use and trust — POS, booking, eCommerce and vertical SaaS.
An AI-first platform that lets PSPs, financial institutions and SaaS providers work fluently together across integrations, boarding and lifecycle management.
Sources: Valuates Reports — Global Vertical SaaS Market Report (2025–2031); Mordor Intelligence — Vertical Software Market Industry Report (2025–2031); McKinsey & Company — Decoding ISV maturity: a global playbook for payments growth (January 2026); McKinsey 2025 Merchant Acquiring Survey.
Financial institutions remain the backbone of the payments industry, with sophisticated systems governing settlement, risk and chargebacks. ISVs provide industry-leading software that merchants rely on to run their business. Path brings these strengths together to deliver a superior merchant experience.
Without abandoning the strengths that make you a trusted payments business.
Institutional-grade economics and rails, delivered at fintech speed.
Path uses AI to compress time, not to remove accountability. Every automated decision runs inside policies set by the institution — with approvals, audit trails and reporting. Human service management where it matters most, client-curated A.I. for process support.
Everything a PSP, financial institution or ISV needs to run software-led merchant acquisition — built AI-first, governed to institutional standards, and delivered as one operating layer.
Traditional terminal integration means ordered test kits, booked certification slots and one to three months per ISV. Path replaces the queue with an AI integration assistant, a terminal emulator and an automated test farm — so ISVs connect in minutes and certify in hours.
Next-generation onboarding, tightly coupled to the ISV's platform. Biometric identity checks, AI document review and dynamic offer generation take a merchant from sign-up to taking payments in minutes — with the institution's policy, risk appetite and approvals applied automatically.
The commercial engine for a software-led portfolio. Path enables SaaS providers to give their merchants the best possible service, with the right tools to maximise value of every relationship. Pricing, commissions, invoicing and merchant management all in one place, without spreadsheets or swivel-chair operations.
Designed by industry operators, educated by decades of merchant service experience. We understand the major causes of merchant queries — Where's my money? What does this fee mean? Why such a slow response? What is the holdback on my money?
Path provides a market-leading, white-labelled self-service experience which significantly improves merchant satisfaction.
Technology alone does not grow a portfolio. Path's team has built and sold payments propositions inside Europe's largest acquiring and POS businesses — and works alongside partners on proposition, pricing and go-to-market, so adoption scales after the integration.
Path is led by payments-industry professionals with over fifty years of joint experience across acquiring, POS, risk, sales, operations and product — people who have built and run these businesses, not just advised on them.
Decades of hands-on experience across acquiring, product, risk, operations, POS, sales and leadership. We understand the gap between a board strategy and a working operating model.
AI-first does not mean uncontrolled. Path is built around policy, auditability, approvals, exception handling and clear accountability.
Fast integration, clear pricing, consolidated data, merchant self-service and portfolio tools that make financial institutions credible to software platforms.
Our mission is to help financial institutions regain relevance in merchant acquisition by providing the platform, structure and operating capability to serve ISVs with the tools they demand. The future of merchant payments will be shaped by connected ecosystems, not isolated providers.
The Path founding teamExperience across leading payment, acquiring, banking, POS and fintech brands
Whether you are a PSP or financial institution looking at ISV distribution or a software platform looking at payments — we will show you the platform live and scope what a pilot could look like.