Proxy Payment Services connects banks and fintechs through APIs — solutions delivered as a service, and built for how payments are evolving.
What Proxy exists to do, today — for every bank and fintech partner on the platform.
Where Proxy is headed — 2030 and beyond, as the region's payments infrastructure modernizes.
Banks and fintechs need to accept, authenticate, and process card payments — without standing up their own scheme connections, certifications, or infrastructure. Proxy is the technical processing layer in between: one integration, full scheme reach, working with both Visa and Mastercard.
Using APIs into authorization, authentication, and clearing across schemes.
Usage-based pricing — no license fees, no infrastructure to own.
Scheme rule changes and certification upkeep, handled for you.
Authorization, processing, clearing, and scheme connectivity — delivered as one managed platform.
Tokenization-first architecture, built to extend into AI-agent-initiated payments.
3-D Secure authentication in the same flow as authorization — one partner, not two.
APIs for authentication, authorization, processing and clearing — across Visa VIA and Mastercard MPGS. Building and maintaining scheme connections in-house means effort put into certification, a dedicated team, and ongoing rule updates. Proxy replaces that with a single, managed integration.
This is no longer a future scenario. In July 2026, Visa and Banca Transilvania completed Romania's first real agentic-commerce transaction — an AI agent purchasing at Brick Depot — through the Visa Agentic Ready program. A competitor bank has already set the precedent. Infrastructure not ready for this shift will fall behind fast.
Banca Transilvania, July 2026 — the first real AI-agent purchase in the country.
Tokenization, Payment Passkey, and agent ID — the same tokenization-first foundation that works with both Visa and Mastercard eCommerce solutions.
A real market precedent now exists in Romania — set by a competitor, not a hypothetical.
One integration today, ready to extend tomorrow — no re-platforming.
3-D Secure is mandatory for card-not-present transactions — but done poorly, it's the single biggest source of checkout drop-off. Proxy keeps authentication and authorization in one flow, not two separate vendors.
Customer completes their cart and confirms payment details.
Cardholder is authenticated in the same session.
Transaction is authorized through the connected scheme.
Funds move through clearing and settlement, end to end.
For three decades, one processor has been the default choice for Romanian banks: card production, switching, ATM/POS, loyalty, and 3-D Secure, built into most major bank relationships in the country. Proxy isn't trying to out-scale that incumbent — it's a faster, focused alternative for the scheme-processing layer specifically.
| Incumbent Processor | Build in-house | Proxy | |
|---|---|---|---|
| Market position | 30-yr incumbent, most RO banks | New entrant, from zero | New, scheme-specialized |
| Architecture | Established, full-stack BPO | Whatever you build | Cloud-native, API-first |
| Scope | Switching, card production, loyalty, ATM/POS, 3DS | Fully custom | Authorization, authentication, processing, clearing |
| Time to onboard | Relationship-driven, can be slow to change | 12+ months | Weeks, single API |
| Agentic-commerce readiness | Not publicly signaled | Unknown | Active roadmap |
| Best fit for | One vendor for everything card-related | Deep in-house engineering teams | A fast, focused Visa/Mastercard layer |
First anchor client — the most difficult step to become credible.
Active technical certification and endpoint testing.
Integration in active development.
Certification audit targeted for August 2026.
CEE's digital payments volumes are growing quickly, while much of the region's acquiring and issuing infrastructure still runs on legacy, market-by-market builds. Proxy gives banks and fintechs a single technology partner that scales with them across borders.
PCI DSS v4.0, Visa/Mastercard scheme certification.
Need of sponsoring bank, proving the model in production.
Extending the platform across regional markets.
Offer reliable, secure, and innovative payment processing services.
Customize services to meet the unique needs of banks, fintechs, and payment service providers.
Scale operations strategically across CEE to capture market share and build long-term partnerships.
Ensure all services meet regulatory and security standards in every market.
Form strategic alliances with fintechs and payment networks to accelerate adoption.
One integration. Full scheme reach. Ready for how ecommerce is evolving.