• Adam Vissing, VP at IXOPAY


• 17.06.2025 10:19 am

Financial IT: Adam, to begin, can you introduce IXOPAY and share what sets your platform apart in the payments industry?

Adam Vissing: IXOPAY is the leading enterprise payments orchestrator. Since our founding in 2016, we’ve supported global merchants in managing payment processes across geographies, methods, and providers. Our recent merger with U.S.-based TokenEx has enhanced our capabilities and scale, giving us strong operational teams on both sides of the Atlantic. Together, our solutions help enterprises manage the full payments lifecycle—from tokenization to transaction routing to data reconciliation—while ensuring security, flexibility, and scalability.

Financial IT: How has the merger with TokenEx strategically complemented IXOPAY’s platform?

Adam Vissing: It’s been a natural fit. Our clients operate globally and face diverse, complex requirements—technically, operationally, and regulatory. By joining forces with TokenEx, we’ve deepened our strength in tokenization and data security, which is the foundational layer of any orchestration strategy. Bringing together advanced tokenization with IXOPAY’s orchestration capabilities enables us to deliver a more integrated, flexible solution that supports both full-stack and modular needs across enterprise environments.

Financial IT: You touched on modularity earlier. Why is modularity so important for enterprise clients?

Adam Vissing: Enterprise merchants are all at different stages in their payments evolution. Some have highly customized in-house systems and only need point solutions. Others are looking to replace outdated infrastructure altogether. Our modular approach lets clients start where they are—maybe with just tokenization or routing—and expand incrementally. Often, solving one pain point today becomes the starting point for broader orchestration tomorrow. That flexibility is key in our partnerships.

Financial IT: Would you say modular adoption often leads to full orchestration?

Adam Vissing: Yes, and we certainly design our strategy with that in mind. Starting with a specific solution—like risk screening or smart routing—often opens the door to deeper collaboration. But we’re also mindful that true enterprise orchestration has to address more than external complexity. Large merchants have fragmented internal systems—multiple ERPs, CRMs, and brands. Our job is to integrate and harmonize that internal complexity too, feeding clean, consistent data back into their environment. That’s a critical part of the orchestration equation.

Financial IT: That’s an important point. Many associate orchestration solely with external routing. Can you elaborate on how IXOPAY addresses internal complexity?

Adam Vissing: Precisely. External orchestration—choosing gateways, acquirers, and payment methods—is only half the picture. Internally, large enterprises operate in very complex environments. They might have multiple systems for different geographies or brands, and reconciling payments data across those layers is a significant challenge. Our platform is built to address both: external connectivity and internal integration. We view orchestration holistically—ensuring the payments flow is both outwardly efficient and inwardly aligned.

Financial IT: AI has been a major talking point here at Money 20/20. What’s your perspective on AI’s role in the future of payments?

Adam Vissing: AI has already had a strong presence in payments, especially in fraud detection through machine learning. Mature models combined with rules-based systems and human oversight create highly effective fraud prevention. But AI is expanding into other areas—AI-enhanced developer tools, optimized checkout UX, conversational AI for support. Over time, we expect agentic AI—autonomous agents initiating transactions—to become more prominent. When that happens, tokenization will be critical. Our universal tokens and secure data frameworks will be the instruments those AI agents transact with.

Financial IT: Why is Money 20/20 Europe an important event for IXOPAY?

Adam Vissing: It’s the premier meeting place for the fintech ecosystem. Everyone—from merchants to processors to technology providers—is here to exchange ideas, form partnerships, and discuss what’s next. Payments is a network-driven business. Any transaction touches multiple platforms and players. Events like this are essential for collaboration and co-innovation. We’ve been attending for years and always find it valuable to reconnect with clients and peers.

Financial IT: Looking ahead, what can we expect from IXOPAY in the coming year?

Adam Vissing: We’re focused on continued growth—both organically and through further acquisitions. Our roadmap is guided by our clients’ needs. As we onboard new enterprise merchants, they bring fresh challenges and ideas that often result in entirely new product lines. While I can’t reveal too much yet, you’ll be seeing more innovation, more strategic partnerships, and perhaps more expansion before next year’s Money 20/20. We’re building with momentum and ambition.

Financial IT: Finally, what advice would you offer to large merchants looking to modernize their payments infrastructure?

Adam Vissing: Start with solving one concrete problem, but choose a partner who can scale with you. Whether it's tokenization, fraud mitigation, or routing, begin modularly but keep an orchestration mindset. Look for platforms that can integrate into your existing systems while supporting future growth. Payments orchestration isn’t just about optimization—it’s about enabling business agility in a rapidly changing environment.

Financial IT: Adam, thank you for sharing these insights. We look forward to seeing where IXOPAY goes next.

Adam Vissing: Thank you—it’s been a pleasure, and we’ll see you again at the next Money 20/20!