Overview
PSD2/SCA ready and PCI DSS Level 1 Certified Headless Payments API Aggregator.
Start using X-Payments for your business and automatically get access to ready-made integrations with various payment providers and systems, fraud screening apps, and other integrations and features through a single API.
Using X-Payments allows you to integrate it once and get access to a variety of payment processors, fraud screening services, and handy features - one at a time. It allows you to add or switch between providers and solutions by simply checking the right boxes in the backend.
Payment processors and gateways supported:
2Checkout American Express Payment Gateway Authorize.Net (aka Auth.net) AIM, CIM and AIM XML Bambora Beanstream (legacy API) Bendigo Bank BillriantPay BluePay BluePay Canada (ex. Caledon) - Real-Time Interface Bluesnap (Payment API XML) Braintree Cardinal Commerce Centinel CardPointe aka Clover Connect (integrated payment channel of Fiserv) Chase Paymentech Orbital CyberSource SOAP toolkit API Elavon (formerly Opayo Direct) Elavon Converge (ex VirtualMerchant) Elavon (Realex API) eProcessing Network - Transparent Database Engine eWAY Rapid - Direct Connection FirstData E4(SM)/Payeezy FirstData Global Gateway Global Iris GoEmerchant - XML Gateway API Heartland Payment Systems HeidelPay Ingenico Payment Services (ex. Ogone e-Commerce) Intuit Quickbooks Payments Intuit Innovative Gateway iTransact - XML connection method MasterCard Simplify Commerce Meritus Payments Moneris eSelect DirectPost/eSelectPlus NAB (National Australia Bank) Netevia NMI (Network Merchants Inc.) (used by Merchant One) NMI (ex USA ePay) - Transaction Gateway API Global Payments (ex Realex) PayGate Korea PayPal REST API PayPal Payments Pro PayPal PayFlow Plug'n'Play WebXpress - XML Method PSiGate XML API QuantumGateway - XML Requester QuickPay Paya (ex. Sage Payments in the USA) SkipJack TSYS Sparrow (ex. 5th Dimension Logistics) Stripe Suncorp (Suncorp Bank) TranSafe/Monetra Worldpay Global Gateway - Direct Model Worldpay US (Lynk Systems) Worldpay Total US
Screen credit card transactions for online fraud with help of Signifyd, Kount, NoFraud or using X-Cart's AntiFraud service.
Highlights
- PCI Compliant - X-Payments is a PCI Level 1 certified service for PCI compliant credit card processing for on-line merchants.
- Over 40 credit card payment gateways. Authorize.Net, FirstData, Chase Paymentech, Braintree, Realex, Elavon, PayPal Payments PRO, Opayo, CyberSource, Intuit Quickbooks, Quantum and others.
- Smart Routing Routing transactions to different payment processors depending on the card type (VISA, MasterCard, AMEX, etc), size of the transaction, the currency of the transaction.
Details
Features and programs
Security credentials achieved
(1)

Financing for AWS Marketplace purchases
Pricing
Dimension | Description | Cost/month |
---|---|---|
X-Payments subscription | per instance running | $499.00 |
Vendor refund policy
30 days unconditional money back
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Customer reviews
X-Cart 6 years of E-commerce Support $$$$$ The Real Deal DEPENDABLE, EFFECTIVE, CONSISTENT
Ease of integration with apps, I highly suggest the premium support they are so good!
One time my site went down when i had some third party developers working in the server side and they were on the phoner and emailing me within 15 seconds!!
Fixed and back up in 10 minutes
GET THAT MONEY
What else matters in E-commerce?
X-Cart, Best decision I made
"X-Cart: A comprehensive e-commerce solution for businesses of all sizes"
All in all, X-Cart is a very high customizable and configurable e-commerce solution for the businesses of any size and of any industry. I am particularly impressed with the friendly-user interface and its ease-of-use as well as a comprehensive suite of support and resources that are available. I recommend X-Cart as a reliable and scalable e-commerce platform for businesses that really want to maximize their online sales potential.
Another con likely to be associated with X-Cart is performance, especially where your website gets huge traffic bursts. In this case, the platform may not cope with such spikes and loading will stagger negatively influencing user experience. Yet X-Cart has several kinds of servers to eliminate this problem such as dedicated servers and cloud-based solutions.
X-Cart truly gets my selling point!
Customer service is bar none.
When researching software for our multi-vendor marketplace, X-Cart was the only company that asked us about our project and what we wanted to accomplish. Seriously, NO OTHER company took a personal interest in us or what we wanted to do. Our rep met with us face-to-face on Zoom and was unrushed in her approach. She answered our questions to the best of her ability and quickly got back to us on questions she needed to research for us first.
The Knowledgebase (written tutorials) is a marvelous, searchable tool. It is well-written and illustrated. But we are using the most recent version of X-Cart. When the Knowledgebase doesn't answer our questions sufficiently, we can contact the team via their new HelpDesk tool. Usually, we can get a quick resolution to our issues.
We expected bumps in the road when we started our new marketplace, especially since we're using the latest version of X-Cart. There were minor glitches in the first few days, but the team was on it immediately. I can't imagine any company giving better support than we have received with X-Cart.