Xoldy

Xoldy: Payment Institution Overview For Merchants

If you operate in Italy and need a regulated provider for card acceptance, tax and bill payments, or PSD2 services, Xoldy is a Payment Institution that focuses on business networks and specialized verticals.

What Is Xoldy

Xoldy is an Italian Payment Institution authorized and supervised by the Bank of Italy. It provides payment services for businesses and commercial networks, publishes transparency documentation, and maintains compliance pages on PSD2, privacy, anti-money laundering, whistleblowing, and governance. You can also verify payment receipts through a dedicated verification portal.

Who Xoldy Serves

Xoldy positions its services for companies and distributed networks that need standardized collection and payment tools across many locations. Trade press reports highlight strong traction in automotive and insurance ecosystems, including agencies handling vehicle formalities, driving schools, inspection centers, and insurance agents or brokers. These are environments where you have many counters or branches, recurring regulated payments, and the need for reliable reconciliation.

When this profile fits you:

• You operate a multi-site network with shared processes and need unified tools

• You collect regulated payments such as public notices, taxes, or fees

• You want centralized oversight with standardized documentation and procedures.

Products And Payment Capabilities

POS Acceptance For Cards

Xoldy provides a POS service to accept payments by payment cards via physical and virtual terminals. Documentation describes the service scope and related operating conditions. If you run front-office counters, the POS service is the entry point for card acceptance under Xoldy’s Payment Institution license.

Payments Linked To Public Notices And Taxes

Official documentation indicates Xoldy supports payments related to public notices such as pagoPA and vehicle tax, pairing the POS flow with the appropriate receipt and audit trail. For merchants in regulated categories, this can reduce operational friction compared with ad-hoc solutions.

Operational advantages:

• Clear mapping between payment type and receipt

• Standardized signage and notices for customers

• Consistent user flow at the counter

Receipt Verification Portal

Each transaction produces a receipt that customers can verify online through Xoldy’s verification portal. This gives you and your customers an additional layer of assurance and makes post-payment checks straightforward.

Why it matters:

• Reduces disputes about the validity of a payment

• Simplifies after-sales support and compliance checks

• Useful for audits in regulated environments

Online Services Under PSD2

Xoldy publishes information for online services covered by PSD2, including Payment Initiation Service (PISP) and Account Information Service (AISP). If you need to trigger account-to-account payments or read account information within a regulated framework, these services provide a compliant path.

Use cases:

• Initiating customer payments directly from their bank account in a guided flow

• Retrieving account information to automate checks, reporting, or reconciliation

Payment Accounts For Appointed Operators

Xoldy also publishes an information sheet for an accessory payment account used in connection with fund collection activities by appointed operators. If you handle collections in a delegated or agency capacity, this account setup may be part of your operating model.

Fees And Commercial Terms

Xoldy provides service-specific information sheets and transparency documents that explain commercial terms and conditions. You should review the information sheet for the POS service and, if you intend to use PSD2 services, the dedicated online services sheet. These documents are the authoritative source for contract conditions, fee components, rights, obligations, and complaint handling.

Security, Compliance, And Governance

As a regulated Payment Institution, Xoldy aligns with PSD2 requirements, including strong customer authentication and secure communication standards. It also publishes privacy documentation, anti-money laundering notices, and whistleblowing procedures, and outlines its corporate governance model. For you as a merchant, this means there is a formal compliance framework and public documentation to reference in your audits or vendor risk assessments.

Reporting, Reconciliation, And Funds Distribution

Sector coverage reported by the trade press points to a focus on reconciliation accuracy and automatic funds routing. For networks with many branches or multiple internal accounts, the ability to distribute collected amounts across different accounts according to configurable rules can eliminate manual steps and reduce posting errors. If your operations depend on splitting funds by cost centers or stakeholders, ask Xoldy to demonstrate this flow with your real-world scenarios.

Payouts, Settlement, And Currencies

Public materials do not specify settlement cut-offs, schedules, or currency options. If your business requires D+1 settlement, weekend funding, or multi-currency acceptance, request written confirmation. Obtain a sample settlement report and a calendar of bank holidays and cut-offs before you finalize integration plans.

Integration And Operating Model

Xoldy’s published materials emphasize standardized documentation, the POS acceptance stack, and PSD2 services. For in-person payments, plan for a standard POS rollout with clear procedures for onboarding, staff training, receipt handling, and complaint management. If you intend to use PSD2 services, confirm the technical onboarding steps, certification, and test environment availability.

When Xoldy Could Be A Good Fit

Choose Xoldy if you need a regulated provider that is experienced with:

• Regulated collections such as public notices and vehicle tax

• Distributed networks with many counters and consistent front-office flows

• Formal transparency documents and compliance policies you can reference

• Receipt verification and structured reconciliation across locations

If your priority is deep ecommerce features, global acquiring in multiple currencies, or large marketplace orchestration, validate whether Xoldy’s roadmap covers those needs or whether you should compare additional providers with those capabilities.