Any business with high volume, 2 or more providers, or several markets and payment methods. Built for payment teams of any size.

Platform /

Payments Intelligence

Q: What is payments intelligence?

Payments intelligence turns transaction data from every provider into decisions. IXOPAY brings your PSP, acquirer and gateway data into one normalized model. It shows what changed, why, and what it’s worth. On top of that model sit IXO AI, anomaly detection, alerts, fee intelligence, reporting and reconciliation.

Q: Do I need IXOPAY orchestration or tokenization?

No. Payments Intelligence works as a standalone product. It connects to the PSPs you already use, with no change to your routing. Add orchestration or tokenization later, if and when you want to.

Q: How does it fit into IXO One?

IXO One brings orchestration, intelligence and tokenization into one platform. Payments Intelligence is the intelligence pillar, and IXO AI sits across all three.

Q: Which data sources can I connect?

Transaction and settlement data from your PSPs, acquirers and gateways, through our built-in integrations. If your provider isn’t built in yet, adding it usually takes 5 to 7 business days.

Q: How do you keep data consistent across providers?

Every PSP names statuses, decline codes, fees and settlement data differently. IXOPAY standardizes it all into one structure, and adds BIN data such as card type, issuer country and scheme. That way you compare like with like.

Q: Can I use the data in my own tools?

Yes. Sync normalized payment data to Snowflake, or pull it through the API or secure file transfer. Alerts and scheduled reports can also go to email or Slack.

<Turn payment data into decisions.>

Payments Intelligence brings every PSP, acquirer and gateway into one view. See what changed, why, and what it’s worth, with IXO AI telling you what to do next.

Request a Demo

Create a Demo Account

How It Works

IXOPAY Payments Intelligence empowers global businesses to move from fragmented payment reporting to connected decision-making. Its no-code platform processes over 2B+ events, unifying data from PSPs, acquirers, gateways, fraud tools, dispute systems, and internal BI environments into a single source of truth.

With analytics, AI-driven insights, anomaly detection, automated monitoring, and flexible data access, payment, finance, risk, operations, and data teams gain complete visibility, understand what is happening and why, reduce costs, boost acceptance, and take faster action across the payment ecosystem.

Create a demo account

How Payments Intelligence helps

Recover lost revenue

Find failed payments, issuer declines and retry opportunities by provider, issuer and market. Fix what’s costing you approvals.

Control payment costs

See the interchange qualification and scheme fees behind every transaction, and the true cost of each one.

Stay ahead of risk

Track chargebacks, VAMP and GMAP ratios, and pre-chargeback alerts in one place. Act before a dispute or penalty lands.

Catch issues early

Machine learning flags what moves outside normal. Alerts reach your team in-platform, by email or in Slack.

Request a demo

Explore Payments Intelligence

[Reporting & Reconciliation]

Reporting & Reconciliation

Bring every PSP, acquirer and gateway into one view, and match transactions to payouts. Share normalized data with Snowflake and your own BI tools.

[IXO AI]

IXO AI

Your AI payments expert, connected to all your payments data. Ask in plain language and get the cause, the cost and what to do next.

[Anomaly Detection & Recommendations]

Anomaly Detection & Recommendations

10+ machine learning models watch your KPIs across 50+ dimensions and flag what moves outside normal. Every anomaly comes with its financial impact and a recommendation.

[Fee Optimization & Intelligence]

Fee Optimization & Intelligence

See the interchange qualification and scheme fees behind every transaction, and the true cost of each one. Know when you’re at risk of a scheme penalty, before it’s charged.