Cardless
No physical cards required
Investors
Product & Technology
Arxax Pay, core integrations, system architecture, credit automation and roadmap.
Arxax Pay
A cardless, PIN-less and cashless payment platform for transport fleets.
Arxax Pay enables secure, digitised refuelling and energy payments for transport operators, with full control, transparency and integration into fleet operations.
Fleet invoicing and payment terms with structured payment and credit workflows; demand aggregated and routed to well-located partner stations to unlock discounts; fuel-origin traceability for green verification (pitch deck, July 2026).
PIN-less
No PINs or driver cards needed
Cashless
Fully digital and account-based payments
Core Integrations
Seamless integration with leading forecourt systems and business data providers. Credit allocation can be completed in up to 24 hours thanks to integration and AI-backed risk allocation.
Forecourt & Management Systems
Fortech
Forecourt systems integration
Gilbarco
Forecourt systems integration
Wayne
Forecourt systems integration
Business Intelligence & Credit Integration
CRIBIS
Business data intelligence and risk assessment
SACE
Insurance-backed credit workflow
High-Level System Architecture
End-to-end flow from customer to reporting.
Customer
Identity verification / request
Arxax App / Bot
Session initiation (location, vehicle, user)
Payment & Authorisation
Approval engine (rules, credit, risk)
Station / POS
Forecourt execution (refuelling / charging)
Settlement
Reconciliation and clearing
Reporting
Reporting / audit trail
Arxax Moat
A differentiated platform with real operational and sustainability advantages.
Direct station access
Strategic integration with leading forecourt systems.
Real-time access to data
Live transaction, volume and fleet insights.
Green certificate
Support for low-emission fuels and reporting.
Anti-fraud real-time monitoring of refuelling
Transaction, vehicle and location checks in real time.
User activation in seconds
Fast onboarding for drivers and fleets.
Credit allocation in max 24 hours
Integrated data and AI-backed risk assessment.
AI-backed credit assessment & risk allocation
Advanced models to improve speed, accuracy and scale.
Operating Performance KPIs
Reliable platform performance with low customer support needs.
Platform uptime
99%
Management estimate, excluding forecourt-system downtime
Average customer calls per week
~2
Management estimate (Operations), excluding forecourt-system downtime
Certification & Compliance
Aligned with global low-emission and transport reporting standards.
GLEC / ISO certification
Arxax network and reporting framework are aligned with global low-emission and transport reporting standards.
Next Product Roadmap
From mobile-based interactions to Vehicle Initiated Payments (VIP).
Vehicle Initiated Payments (VIP)
Automated, secure and seamless refuelling and energy payments directly from the vehicle, powered by telematics and real-time authorisation.
- 1
Vehicle data verified
ID & location · fuel / energy level · policy check
- 2
Authorisation approved
Real-time validation · no cards, no PINs
- 3
Secure transaction
Automated refuelling or charging · proof of energy logged · data sent to the platform