Three detailed case studies showing how NexaFin customers solved their hardest financial infrastructure challenges — and what they achieved.
Their previous payment gateway had a 91.2% authorisation rate — which sounds acceptable until you do the maths. At €120M monthly GMV with an 8.8% failure rate, TerraCommerce was losing approximately £10.5M in orders every month to payment failures. Some were genuine fraud blocks. Many were false declines — legitimate customers being rejected because of outdated fraud rules, suboptimal acquirer routing, and a lack of 3DS2 exemption management.
They also had a chargeback rate of 0.8% — nearly double the industry average — driven by a first-generation fraud detection system that caught too little fraud while simultaneously declining too many legitimate customers. Their team was spending 18 hours per week manually reviewing disputed transactions.
The intelligent routing engine was immediately configured for TerraCommerce's transaction mix — high volumes of mid-ticket European card transactions, significant Apple Pay and SEPA traffic, and a specific fraud pattern around synthetic identities that Fraud Shield's network intelligence had already seen on other platforms. Within 48 hours of full deployment, authorisation rates began climbing.
"NexaFin cut our payment failure rate from 4.2% to 0.8% in the first month. The intelligent routing alone paid for the platform many times over. We process £40M a month through their infrastructure now and the results have been transformative."
— Sarah Chen, CTO, TerraCommerceAccepting payments in new countries meant negotiating individual banking relationships (typically a 3–6 month process), establishing local entities for tax purposes, integrating with local payment methods (iDEAL in Netherlands, Sofort in Germany, Carte Bancaire in France, and dozens more), and building the compliance infrastructure for each new regulatory jurisdiction. Their CFO Marcus Rodriguez estimated the all-in cost of launching a new market at €200,000 and six months.
Their SaaS revenue model compounded the problem. Failed subscription renewals due to payment method issues were causing 14% monthly involuntary churn — customers not leaving because of product dissatisfaction, but because their card declined on renewal day and the dunning sequence failed to recover them.
The market expansion capability was the decisive feature. Within two weeks of integration, OrbitSaaS could activate any of NexaFin's 47 supported markets by changing a configuration flag — no new bank relationships, no additional compliance work, no engineering sprints. They launched 19 new markets in six months at a fraction of their previous expansion cost.
"What would have taken us years of banking relationship-building was handled by a single API. We launched Spain, Portugal, Italy, France, Poland, Czech Republic, and Hungary in a single quarter. NexaFin is the reason we're now the #2 project management tool in seven European markets."
— Marcus Rodriguez, CFO, OrbitSaaSBuilding a regulated financial product from scratch requires a banking licence (or an e-money institution licence), a banking relationship for safeguarded customer funds, a payment processing capability, AML/KYC infrastructure that satisfies FCA requirements, and card issuing capabilities if you want to give customers a debit card. In 2025, solving each of these problems independently typically required 18–24 months and £3–5M in regulatory and engineering spend before a single customer account could be opened.
VaultX had a runway of 20 months and needed to be live in 12 to have meaningful metrics for a Series A raise. They needed all of this infrastructure in one place, immediately, from a provider who understood fintech startup timelines.
NexaFin's compliance team worked alongside VaultX's in-house compliance lead for the first three months, helping them build the AML policy, transaction monitoring rules, and FCA regulatory reporting framework appropriate for their customer base. NexaFin's infrastructure handled the SAR filing process, PEP screening, and sanctions monitoring. VaultX's team focused entirely on product.
The first customer account was opened seven weeks after the initial integration call. The first 1,000 accounts came within eight weeks of product launch. By month 14, VaultX had 28,000 active accounts and £50M in monthly payment volume — enough metrics to raise a £15M Series A at a £90M post-money valuation.
"NexaFin gave us two years of infrastructure work in eight weeks. The compliance tooling is outstanding — AML screening, transaction monitoring, and regulatory reporting all in one place. Our compliance team went from overwhelmed to ahead of the curve. Without NexaFin, we simply wouldn't have a business."
— Amelia Thornton, COO & Co-Founder, VaultXJoin TerraCommerce, OrbitSaaS, VaultX, and 3,800+ other businesses building on NexaFin's financial infrastructure.
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