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Regulatory & Payments Infrastructure Solutions for financial institutions

Proven solutions for financial institutions, helping them comply with regulatory framework - PSD2 and PSD3/PSR, CESOP, IPR with VoP requirements.

As a connectivity expert, LUXHUB also supports Payment Service Providers (PSPs) in integrating innovative payment solutions, such as Wero.

Supervised by the CSSF and designed with compliance at its core, LUXHUB is a trusted partner serving financial institutions across the European Union.

3S Money
Andbank
Banca March
Banco Inversis
Banco Safra
Bankinter
Banque Chaabi du Maroc
BIL
BGL BNP Paribas
BNP Paribas Wealth Management
BPER
China Construction Bank
China Merchants Bank
Creand
Deutsche Bank
EDB
ICBC
ING
Intesa Sanpaolo Bank
IRACE Digital
KEB Hana Bank
Lemonway
Mirabaud
POST
Shinhan Bank
Société Générale
Sogexia
Spuerkeess
SVEA
Vivid
VP Bank
Woori Bank
XPollens

About us

Backed by leading financial institutions.

Built to serve the industry.


Founded in 2018 by four major Luxembourgish banks (Spuerkeess, BGL BNP Paribas, Banque Raiffeisen and POST Luxembourg) to facilitate their PSD2 compliance journey, LUXHUB has rapidly established itself as a leading European Regtech provider. 

By leveraging the power of mutualization, we connect financial institutions, Payment Service Providers, and regulatory ecosystems through efficient and scalable solutions.

Today, we serve 90+ clients across Europe with robust regulatory compliance solutions and innovative payments infrastructure services.

10+

European countries served

In production since

2018





24/7

client support

delivered by seasoned multilingual experts

90+

clients

8+

products designed for the financial services industry

Solutions hosted in TIER IV datacenters in Luxembourg 


ISO 27001 certified
CSSF supervised entity
(n° Z00000024)
3x REGTECH100
company
AISP / PISP
RVM under the EPC VoP Scheme
DORA-ready

Verification of Payee is expanding beyond the Eurozone.

From July 2027, Payment Service Providers outside of the Eurozone will also be required to comply with the Verification of Payee (VoP) obligation. This service verifies whether a beneficiary's name matches the provided account details before a credit transfer is initiated, helping to enhance payment security and reduce payment errors.

Since 9 October 2025, PSPs within the Eurozone have been required to comply with the EPC VoP Scheme. To support institutions throughout their compliance journey, LUXHUB offers a comprehensive platform with two dedicated services that address all Verification of Payee requirements.

Discover Payee Verification Platform

 Flagship product


vop check


The build vs. buy question, settled

Why regulated entities choose LUXHUB over building in-house

Build in-house LUXHUB
Time to market Long implementation and testing cycles Production-ready solutions accelerating deployment
Expertise Internal regulatory and industry monitoring required Embedded payments, compliance and connectivity expertise
Infrastructure Build dedicated infrastructure for your organization Mutualized platforms shared across financial ecosystems
Evolution Analyze and implement future regulatory, scheme and technical changes Continuous evolution managed centrally by LUXHUB
Resources Dedicated business, compliance, IT and operational teams required Access to specialized experts when needed
Operations Internal maintenance, monitoring and lifecycle management Managed service with ongoing operations and support
Trust & resilience Build and secure your operating model yourself European infrastructure, ISO 27001-certified operations and resilience by design
Experience Build and validate from scratch Proven platforms trusted by financial institutions across Europe

What we do

Two pillars enabling the modernization of payments


A modular suite of solutions designed to (1) comply with EU and local regulatory frameworks and (2) provide new, secure and flexible payment methods.

Regulatory Solutions

Stay compliant with European regulation. Leverage proven solutions

From Open Banking compliance and Verification of Payee to cross-border tax reporting and collective fraud intelligence, LUXHUB helps financial institutions navigate complex regulatory frameworks with confidence.

Our products:

PSD2 XS2ACESOPPayee Verification Platform

Fraud Intelligence GatewayCEDR

Payments Infrastructure Solutions

Provide your customers with new payment experiences - compliant, secure, and flexible

Connectivity solutions that integrate seamlessly with existing payments infrastructures and deliver immediate value to all stakeholders: PSPs, merchants, and end users.

Our products:

Wero Integration LayerWero Acceptor SolutionOne Connect

wero solution for merchants

Who it is for

Built for the people who evaluate, decide and deliver.


From Business Analysts looking for new solutions for specific challenges to Compliance Officers assessing regulatory requirements to Product Owners planning integration, LUXHUB speaks to every stage of the decision-making and implementation process.

For Chief Compliance Officers

Keeping pace with regulatory change is about more than meeting compliance requirements. It is an opportunity to reinforce consumer trust, reduce risk, and demonstrate leadership in a highly competitive market.

At LUXHUB, we've developed a series of solutions that are compliant by design and that support Compliance Officers in their regulatory and reporting obligations.


See Payment Regulatory solutions


For Heads of Payments

As customer expectations evolve, providing them with additional and innovative payment methods - that are secure and flexible - has become a key essential for Payment Service Providers, in order to stay competitive.

At LUXHUB, we specialize in facilitating the integration of such solutions, notably Wero (for issuing PSPs and acceptor PSPs) which is gaining momentum in Europe.


See Payments Infrastructure solutions

For Business Analysts, Product & Tech

Evaluating a new solution requires a clear understanding of its functional, technical and implementation requirements. 

At LUXHUB, we provide the technical resources needed to support project assessment, cost analysis and integration planning. Our Developer Portal gives teams access to API documentation, technical specifications and implementation guidelines.


Developers

Resource Hub

Latest insights on Payments & Regulation


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FAQs

Key questions. Straightforward answers.


The questions teams need to ask before reaching out to LUXHUB.

LUXHUB is a Luxembourg-based Regtech company founded in 2018 by four major Luxembourg banks – Spuerkeess, BGL BNP Paribas, Banque Raiffeisen, and POST Luxembourg.

It combines fintech agility with deep regulatory expertise to help banks, Payment Service Providers (PSPs), and financial institutions comply with EU financial regulations and deploy innovative payments solutions. LUXHUB is supervised by the Luxembourg financial authority – the CSSF – and holds both Support PFS status and a Payment Institution licence as AISP and PISP.

LUXHUB’s product portfolio offers PSD2 XS2A (Open Banking compliance), CEDR (Luxembourg AML/IBAN register compliance), CESOP (EU cross-border payment tax reporting), Payee Verification Platform (VOP / Verification of Payee), WERO integration(on both the issuing and accepting sides) and the Fraud Intelligence Gateway (with regards to Labaronne Law in France and the FNC-RF platform). 

Yes. LUXHUB is regulated and supervised by the CSSF (Commission de Surveillance du Secteur Financier), Luxembourg’s financial authority. It operates as a Support Professional of the Financial Sector (Support PFS) and holds both an AISP (Account Information Service Provider) and PISP (Payment Initiation Service Provider) licenses. LUXHUB also holds ISO 27001 certification, attesting to its information security management standards.

While LUXHUB is headquartered in Luxembourg and serves a large majority of Luxembourg’s banking market, its solutions are deployed across the European Union. The PSD2 XS2A platform is used by more than 40 ASPSPs across multiple European countries. Just like the PSD2 XS2A solution, LUXHUB’s VOP and CESOP solutions address EU-wide regulatory requirements. The Fraud Intelligence Gateway supports French PSPs under Loi Labaronne, with European expansion expected as PSR is adopted. 

PSD2 (EU Directive 2015/2366 on Payment Services) requires ASPSPs to open access to customer payment accounts to licensed third-party providers via secure APIs, with the consent of the data owner. LUXHUB’s PSD2 XS2A product provides a mutualized, certified technical platform that handles API management, TPP identification and authorization, strong customer authentication (SCA) orchestration, monitoring, and mandatory helpdesk support, enabling institutions to achieve full regulatory compliance efficiently and cost-effectively. 

Mutualization is LUXHUB’s founding principle. Rather than each financial institution independently building and maintaining compliance infrastructure, LUXHUB provides a shared technical platform where costs, expertise, and operational resources are pooled for the benefit of the participating financial institutions. This model drastically reduces individual compliance and time-to-market while maintaining the highest security and regulatory standards. This approach has already been proven across PSD2 XS2A, VOP, and Wero integration.

No contract is required to access the LUXHUB Developer Portal or to consume PSD2 APIs in a test environment. You simply need to register and accept LUXHUB’s Terms and Conditions during the sign-up process. LUXHUB’s team is available to guide institutions through the onboarding process. 

LUXHUB’s Resource Hub offers a comprehensive library of regulatory updates, white papers, infographics, blog posts, press releases, webinars, and podcast content covering Open Banking, PSD2, Open Finance, payment compliance (VOP, CESOP, Fraud, CEDR), and emerging frameworks such as FiDA and PSR. A monthly newsletter is available by subscription, delivering curated fintech and compliance intelligence directly to readers.

LUXHUB operates from a Tier IV data center located in Luxembourg, ensuring the highest levels of infrastructure resilience and data sovereignty. The company holds ISO 27001 certification for information security management. All API communications are secured, and channels are encrypted with robust authentication mechanisms. Our CEDR product uses PGP encryption and one-time secure URLs for file transfer, and our VOP solution stores data in a siloed, encrypted manner in compliance with GDPR and financial data protection standards.

You can contact LUXHUB via the dedicated contact forms on each product page, by email at info[at]luxhub.com, or by phone at +352 288 076. Product-specific brochures and demo requests are available for PSD2 XS2A, CEDR, CESOP, VOP, Fraud Intelligence Gateway, and Wero Integration Services. LUXHUB’s team of specialists is available to assess your regulatory challenges and recommend the most appropriate solution. 

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