Fibonatix

Fibonatix: An Expert Overview For Merchants

Fibonatix is a UK and EEA focused payment service provider offering a gateway, POS and SoftPOS, and complementary services such as risk management, integrations, and consulting. If your business needs a compliant way to accept cards, alternative payment methods, and recurring payments at scale, Fibonatix provides a regulated payments stack supported by PCI DSS controls, 3D Secure, and real-time reporting. The company is authorised by the UK Financial Conduct Authority through Fibonatix (UK) Limited and serves merchants across the European Economic Area, with offices in the UK, Germany, and Israel.

What Fibonatix Does

Fibonatix positions itself as a partner for businesses that face greater scrutiny or complexity in payments. The provider delivers an end-to-end payments setup spanning an eCommerce payment gateway, in-person acceptance, fraud and chargeback management, and consulting. Fibonatix states its services are available across the UK and EEA, with ability to accept payments from global customers.

Regulated Status And Coverage

• Regulation: Fibonatix (UK) Limited is authorised and regulated by the UK Financial Conduct Authority as a Payment Institution (FRN 768776). This can be verified on the FCA Register.

• Geography: Services are provided in the UK and across the EEA; offices are listed in Manchester, Berlin, and Petah Tikva.

Core Payment Gateway Capabilities

Fibonatix’s gateway, branded Paragon, supports card acceptance, alternative payment methods, and a set of tools for remote and subscription billing. The provider emphasises compliance and risk controls built into each transaction path.

Card Processing

• Support for the major schemes mechanisms and leading card brands in worldwide markets, under PCI DSS controls.

• The FAQ lists acceptance of Visa, Maestro, Mastercard, and American Express.

Alternative Payment Methods And Wallets

• The provider references support for Apple Pay and a selection of alternative payment methods such as Skrill and Rapid Transfer for eCommerce.

Remote Commerce Features

• Virtual Terminal (MOTO) for mail and telephone orders.

• Pay by Link to generate payable links from the back office.

• Recurring Billing to set up schedules for subscriptions and ongoing invoices.

• Transaction Rebill to automate retries for failed payments, with tokenization options.

Compliance And Authentication

• Fibonatix states it is PCI DSS compliant and highlights 3D Secure coverage; its materials further mention 3D Secure V2 authorisation for subscription flows.

POS And SoftPOS

For in-person payments, Fibonatix provides chip-and-PIN and contactless POS terminals, as well as SoftPOS to accept card payments on a smartphone or tablet. These solutions are positioned for the UK and EEA and are tied into the same analytics and reporting stack as online payments.

Integrations And Developer Options

Fibonatix offers a catalog of integrations covering commerce platforms, CRMs, and payment-ops tools:

• Platforms and plugins: Wix, PrestaShop, Magento, WooCommerce.

• Payment operations and CRMs: BridgerPay, Praxis, CheckoutChamp, sticky.io, Konnektive, Coriunder, CommDoo, Payneteasy.

• Security tooling: SecurityMetrics for PCI DSS support.

For bespoke builds, the Paragon API documentation is linked from the main navigation to support programmatic processing.

Reporting, Back Office, And Analytics

Fibonatix provides a back office with real-time visibility, configurable dashboards, and analytics to monitor approvals, fraud indicators, and operational metrics. The Data & Reporting System page calls out real-time transaction views, enhanced fraud detection, and custom reporting for high-risk sectors.

Risk Management And Consulting

Beyond processing, Fibonatix offers payments consulting and risk management services. The company describes a team of underwriters, risk, and dispute managers who help merchants in high-risk industries meet scheme rules, reduce chargeback and fraud ratios, and navigate compliance. Consulting spans payment-needs analysis, documentation, account opening support, and company formation assistance.

Industries And Merchant Eligibility

Fibonatix focuses on SMEs and businesses operating in high-risk or regulated verticals, including CBD, online dating, nutraceuticals, and cosmetics. Materials also highlight support for subscription businesses and other models that rely on recurring billing and robust risk controls.

Onboarding, Currencies, And Support

• Onboarding timelines: Fibonatix indicates up to 5 business days for low-risk merchants and up to 21 days for high-risk onboarding, depending on documentation and risk assessment.

• Currencies: Support for over 150 currencies.

• Support: The gateway page mentions dedicated customer support availability and a compliance-focused approach to risk.

Pricing And Commercials

Fibonatix references a clear and simple pricing model, and several pages encourage merchants to contact the team for tailored terms. There is no public fee schedule; pricing is arranged case by case after underwriting and risk evaluation.

Strengths

• UK-regulated Payment Institution with services across the EEA.

• PCI DSS controls and 3D Secure coverage, plus authentication suitable for subscription payments.

• Full stack acceptance: gateway, POS terminals, and SoftPOS.

• Rich integrations and back-office analytics for monitoring approvals and fraud.

Who Fibonatix Fits Best

Fibonatix is a practical fit for EEA merchants that require a single provider for card acceptance, APMs, and in-person payments, especially those in higher-risk or subscription-heavy segments that value recurring billing, rebill, 3DS, and hands-on risk management. Companies seeking an API with broad plugin coverage and consolidated analytics will likely benefit from the Paragon gateway and integrations ecosystem.

Conclusion

Fibonatix provides a regulated payments stack for UK and EEA merchants that need flexibility across online and in-person channels. Its Paragon gateway covers card brands, select APMs, and subscription tooling, with PCI DSS controls and 3D Secure in place. Combined with POS and SoftPOS acceptance, real-time reporting, and a consulting and risk practice geared toward high-risk industries, Fibonatix is a credible option when your priority is a compliant, configurable setup rather than a one-size-fits-all gateway.