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Credixa is a prepaid voucher network. Your customer buys a fixed-value voucher by card, you redeem the one-time code, and the value is settled to your account. The money exists before the sale does.
Vouchers come in set euro values: 5, 10, 15, 20, 25, 30, 50, 75, 100 and 150. Each one is used once and then consumed.
Sold under the Credixa brand. Fees and validity shown before purchase.
A voucher is only issued after the card payment is confirmed by the provider and the reserve covers every voucher outstanding.
If any check fails, no voucher is created. The system fails closed.
The customer holds the only readable copy of the code. Credixa stores one-way verification material, never the code itself.
Settlement goes only to the merchant account approved at onboarding.
Five controlled steps between the customer's card and your settlement. Each has to succeed before the next can happen. Click a step.
Vouchers are sold in euro values of 5, 10, 15, 20, 25, 30, 50, 75, 100 and 150. Before paying, the customer sees who is selling the voucher, the value, any fees, how long it's valid and the refund and redemption rules.
Customers are checked in tiers. With a verified email, legal name and a low-risk decision they can buy up to three vouchers and EUR 500 in total. Identity verification with a government ID, proof of address and liveness check opens higher limits. Sanctions, PEP and adverse-media screening run on everyone, and the payment card must be in the buyer's name.
The customer enters their card on a hosted checkout page. The card number and security code never reach Credixa's servers or yours. 3-D Secure is mandatory. The payment is then confirmed by an authoritative status from the provider, with amount, currency and reference matched, not by the customer's browser returning to a success page.
Before a voucher is created, the treasury control checks fresh, reconciled evidence that the reserve covers at least 100% of every voucher outstanding. If that evidence is stale or short, issuance stops. When it passes, one immutable issuance is recorded and the customer receives the code exactly once. Credixa keeps only one-way verification material, so a leaked database can't produce a valid code.
Your system submits the code through an authenticated channel. Credixa rechecks the voucher state, your merchant status, limits, sanctions state and one-time use, then consumes the voucher and records the net amount payable to you. Settlement goes only to the account approved at onboarding. A refund is possible only before redemption, back to the original payment method.
Vouchers can only be redeemed at approved merchants in approved categories. That keeps the product clean for everyone in it, and it's why onboarding is thorough rather than instant. No merchant can redeem or be settled before activation.
| Tier | What it allows | Daily | Monthly net flow |
|---|---|---|---|
| M1 | Restricted pilot after manual company checks | EUR 2,500 | EUR 15,000 |
| M2 | Full standard merchant after complete verification | EUR 25,000 | EUR 125,000 |
| M3 | Enhanced merchant after enhanced due diligence | EUR 100,000 | EUR 750,000 |
Default limits at launch. Your tier and limits are agreed at onboarding and reviewed as your history builds.
A fixed-value, single-use prepaid voucher, currently in euro values from 5 to 150. A customer buys it by card at a hosted checkout and redeems it once at an approved merchant. It can't be cashed out, sent to another person or converted into anything else. You check the one-time code, the voucher is consumed, and the net value becomes payable to your approved account.
The customer has already paid and been checked before any voucher exists, every voucher is reserve-backed before issuance, and the code can only be used once. Card details never touch your systems; they go to a hosted checkout with 3-D Secure. Customers can buy small amounts with light checks and larger amounts after identity verification, so the friction sits with the buyer's first purchase, not with your checkout.
Before it's redeemed, yes. The voucher is locked, it can no longer be used, and the money goes back to the original payment method where possible. After redemption you've been paid, so a refund is handled between you and your customer like any other purchase.
Validity and any fees are shown to the customer before they pay, every time. The planned standard validity is one year from purchase and the planned purchase fee is zero, both subject to final approval and local consumer law, so the figure shown at checkout is the one that applies.
Approved businesses in approved categories. Onboarding verifies the company, its directors, beneficial owners and controllers, screens for sanctions and adverse media, reviews your vertical and expected volumes, and verifies ownership of your payout account. New merchants start on a controlled pilot tier and move up as history builds.
Tell us what you sell and where your money moves. You'll get a straight answer.
