3330: PXP - AI, Smart Routing, and the Future of Merchant Payments

In a world where payments have evolved from a back-office utility into a strategic business driver, how do you build a platform that truly puts control back into the hands of merchants? On this episode of Tech Talks Daily, I sat down with Dwaine Thomas, CIO of PXP, to explore how the company is transforming the payment landscape with its next generation platform, PXP Unity.

PXP has been a force in fintech for over 30 years, processing over €30 billion in payments annually for some of the world’s most recognised retail, hospitality, entertainment, and online gaming brands. But rather than rely on legacy systems, PXP has gone all in on greenfield development with PXP Unity, a fully API driven orchestration platform that enables merchants to plug into the services they need without the complexity of managing the entire payment stack.

Dwaine walked me through how Unity empowers businesses with real-time data aggregation, smart routing, and complete transparency, all delivered through an intuitive interface. He also shared how the platform supports seamless scaling during high-demand periods, like Black Friday, and provides merchants with both control and automation to optimise payment performance across channels.

What stood out was the clear shift in mindset. Sixty-four percent of merchants now view payments as a growth enabler, not just a necessity. With Unity, merchants gain the flexibility to adapt strategies on the fly, personalise the payment experience, and align payments with broader business goals.

We also explored the growing role of AI in PXP’s roadmap, from driving development efficiencies to enabling future use cases like AI agents within payment flows. As regulation evolves, Dwaine highlighted how initiatives like the FCA’s AI sandbox point to a more proactive and structured approach to innovation in the payments space.

So how can enterprises unlock new value from their payments infrastructure? How do you build for performance, resilience, and adaptability in equal measure? And what happens when payments become central to customer experience and brand loyalty? Tune in to hear how PXP is answering those questions with technology that is both powerful and practical.