PXP supports PSD2 requirements by implementation of 3DS 2.0 protocol. This protocol was developed by EMVCo. 3DS 2.0 which not only enables consumers to authenticate themselves in a more sophisticated manner, but also allows merchants and their acquirers to request bypassing SCA for certain transactions under the conditions of PSD2.
Merchants with provider agreements in place and/or have their own payment department to handle provider relationships and settlement themselves, might choose the Payment Gateway model. It is important to note that some payment providers, such as PayPal and Ratepay, do not offer their method(s) in the aggregated model. To use such providers, merchants can use the PXP Financial gateway model which would mean a combination of gateway and aggregation services with PXP Financial.