01 — BANKS
Banks have the rails
Acquiring, processing, risk management, settlement, regulated infrastructure, policy and scale.
The AI-first operating layer for software-led merchant acquisition.
Path connects banks and acquirers to the software platforms merchants already run their businesses on — integration in hours, merchant boarding in minutes, and bank-grade control throughout.
Merchants increasingly choose payments inside the software they already use to run their businesses. Vertical SaaS providers — ISVs — have become the route to market, and the payments firms that serve them best are winning the merchant relationship.
Acquiring, processing, risk management, settlement, regulated infrastructure, policy and scale.
Merchants buy payments inside the software they already use and trust — POS, booking, eCommerce and vertical SaaS.
An AI-first platform that lets banks and acquirers sign, onboard, manage and monetise ISVs — and lets ISVs serve their merchants properly.
Sources: Valuates Reports — Global Vertical SaaS Market Report (2025–2031); Mordor Intelligence — Vertical Software Market Industry Report (2025–2031); McKinsey & Company — Decoding ISV maturity: a global playbook for payments growth (January 2026); McKinsey 2025 Merchant Acquiring Survey.
Everything a bank, acquirer or ISV needs to run software-led merchant acquisition — built AI-first, governed like a bank, and delivered as one operating layer.
Traditional terminal integration means ordered test kits, booked certification slots and one to three months per ISV. Path replaces the queue with an AI integration assistant, a terminal emulator and an automated test farm — so ISVs connect in minutes and certify in hours.
Next-generation onboarding, tightly coupled to the ISV's platform. Biometric identity checks, AI document review and dynamic offer generation take a merchant from sign-up to taking payments in minutes — with the bank's policy, risk appetite and approvals applied automatically.
The commercial engine for a software-led portfolio — built to help ISVs give their merchants the best possible service, with the tools to maximise the value of every relationship. Pricing, commissions, invoicing and merchant management in one place, without spreadsheets or swivel-chair operations.
Designed by industry operators who know the causes of merchant dissatisfaction first-hand — unclear money, opaque fees, slow answers. Merchants get balances, payouts, disputes and statements in plain language, under the ISV's or bank's brand — a self-service experience that stands comparison with the best fintechs.
Technology alone does not move a portfolio. Path's team has built and sold payments propositions inside Europe's largest acquiring and POS businesses — and works alongside partners on proposition, pricing and go-to-market so adoption scales after the integration.
Path positions established payments businesses as market leaders in the ISV economy — and gives software platforms the payments capability they would otherwise buy from the big fintechs.
Without abandoning the strengths that make you a trusted payments business.
Bank-grade economics and rails, delivered at fintech speed.
Path uses AI to compress time, not to remove control. Every automated decision runs inside policy set by the bank — with approvals, audit trails and clear accountability.
A practical pilot path — from first conversation to measurable revenue, without a multi-year programme.
Agree the operating model and choose the first use case for the pilot.
Map acquiring, onboarding, risk, settlement, reporting and partner workflows.
Launch a focused pilot with one ISV or one portfolio segment.
Track activation, time-to-live, conversion, retention and revenue uplift.
Path is led by payments-industry professionals with over fifty years of joint experience across acquiring, POS, risk, sales, operations and product — people who have built and run these businesses, not just advised on them.
Decades of hands-on experience across acquiring, product, risk, operations, POS, sales and leadership. We understand the gap between a board strategy and a working operating model.
AI-first does not mean uncontrolled. Path is built around policy, auditability, approvals, exception handling and clear accountability.
Fast integration, clear pricing, consolidated data, merchant self-service and portfolio tools that make banks credible to software platforms.
Our mission is to help banks regain relevance in merchant acquisition by providing the platform, structure and operating capability to serve ISVs with the tools they demand. The future of merchant payments will be shaped by connected ecosystems, not isolated providers.
The Path founding teamExperience across leading payment, acquiring, banking, POS and fintech brands
Whether you are a bank looking at ISV distribution or a software platform looking at payments — we will show you the platform live and scope what a pilot could look like.