Payment Infrastructure FAQ
Practical answers on routing, cascading, PSP ownership, compliance, and white-label payment operations.
General
White-label payment infrastructure. One system to control providers, routing, cascading, checkout, risk controls, reporting, and performance under your own brand.
PSPs, payfacs, iGaming operators, trading platforms, cross-border merchants, and platforms that need to operate multi-provider payment stacks as one system.
For high-risk operators, Exirom provides payment gateway infrastructure and orchestration. We are not an acquirer and do not replace your merchant account or PSP contracts.
Global by design. Your coverage follows the providers you connect.
You keep your provider economics. Exirom charges for the infrastructure layer, aligned with volume and complexity.
Product
Your PSP contracts stay yours. Exirom sits above them and controls how payment traffic flows across providers based on your routing, risk, cost, and availability rules.
Routing, cascading, retries, risk logic, provider selection, method display, limits, and monitoring. Every decision layer that impacts approval rate, cost, and operational resilience.
No. Exirom is infrastructure only. You keep your PSP relationships, acquiring setup, merchant portfolio, and economics.
Yes. Route payouts across supported providers with unified status tracking and provider-level visibility.
Cards, wallets, bank transfers, and local methods. Availability depends on the providers you connect.
Technical
Deployments can move quickly, often in days or weeks depending on providers, markets, and compliance requirements.
Traffic can be rerouted automatically based on your logic, provider health, limits, and transaction attributes. No manual action is required for configured failover paths.
Payment cascading retries eligible soft declines through another provider or route according to your rules. It is designed for recoverable failures, not for forcing transactions that should be blocked.
Yes. Native 3DS2 with dynamic application based on issuer and risk signals.
Exirom has observed 99.99% platform availability across live operations. Contractual uptime commitments are defined during onboarding.
Security & Compliance
Yes. PCI DSS Level 1 infrastructure with tokenization and secure data handling.
No. Exirom does not hold merchant funds. Funds flow through your connected providers and merchant relationships.
Yes. EU-based infrastructure with strict data access and processing controls.