IXOPAY Launches Strategic Tools for Secure and Independent Payments
Amsterdam, Tuesday 20 January 2026
On 20 January 2026, IXOPAY released updated TokenEx packages designed to accelerate secure payment architectures and prevent processor lock-in. Alongside these tools for merchant independence, the firm announced a vital integration with Brazil’s PIX system. Used by over 90% of Brazil’s adult population, this addition allows cross-border merchants to seamlessly tap into Latin America’s most robust digital payment ecosystem without requiring complex local infrastructure.
Standardising Payment Infrastructure
The newly unveiled suite comprises three distinct packages: TokenEx Core, TokenEx Connect, and TokenEx Scale [1]. These solutions are engineered to provide merchants with a standardised method to protect data while retaining control over their payment stack without the need for extensive re-architecture [2]. TokenEx Core, for instance, amalgamates Network Tokens with Universal Tokens, a mechanism that significantly reduces PCI scope by storing token values rather than sensitive card data [1]. This approach is pivotal for preventing processor lock-in, a common hurdle in the scaling of digital platforms [1][2]. Additionally, the TokenEx Connect package facilitates rapid deployment through pre-built integrations with over 20 payment service providers [2].
Operational Independence and Flexibility
Peter Papaioannou, Chief Product Officer at IXOPAY, describes the packages as a ‘ready-made kit’ where components are ‘measured, assembled, and optimized from the start’ [1][2]. This modularity supports merchants whether they are establishing a secure foundation or expanding acceptance, ensuring they can move quickly without technical constraints [1]. The overarching goal is to allow businesses to scale across processors and markets while maintaining independence from any single provider [2].
Expanding into Latin America’s Digital Economy
In a significant move for cross-border commerce, the platform has also integrated Brazil’s PIX instant payment system through a partnership with dLocal [2]. Since its inception in 2020, PIX has achieved remarkable penetration, being utilised by over 90% of Brazil’s adult population [1][2]. This integration empowers merchants to enter or expand within the Brazilian market without the complexity of establishing local entities or managing local integrations [1]. The platform currently connects to over 200 payment service providers (PSPs) and more than 300 payment methods globally, reinforcing its position in the international fintech ecosystem [2].
Preparing for Agentic Commerce
The release also signals a shift towards supporting increasingly automated economic environments. Suzanne Rudnitzki, Interim CEO of IXOPAY, highlights that these tools are designed to provide clarity and confidence, preparing businesses for a future dominated by ‘intelligent, autonomous systems’ [1][2]. By leveraging AI-driven intelligence and orchestration alongside advanced tokenisation, the platform aims to optimise performance as agentic commerce becomes more prevalent [2].