IXOPAY Features

The payment orchestration platform IXOPAY brings independence and flexibility to online payment management. Developed by IXOLIT Group, the platform as a service (PaaS) IXOPAY uses one API to connect you with the adapter, payment service provider (PSP), acquirer, processor, Enterprise Resource Planning System (ERP), Business Intelligence (BI) or 3rd-party software of your choice.

If you are looking for the best payment gateway software, you will find that IXOPAY meets all of your needs. From an acquirer-agnostic PCI Vault to risk and fraud management modules as well as reconciliation and settlement tools, IXOPAY has the necessary features to depict the entire lifecycle of a transaction. Equip your business with our enterprise payment platform to see a 15% increase in turnover.

Fully PCI Compliant Card Vaulting

The IXOPAY Card Vault provides an independent means of storing and tokenizing your customers’ payment data. Our PCI-DSS Level 1, PCI 3DS, and GDPR-compliant solution thus provides you with more flexibility, reliability and the largest possible degree of independence from your payment service providers.

Our payment platform offers PCI-compliant card vauting

Smart Transaction Routing

The IXOPAY Smart Routing Engine allows you to define various flow strategies for your payment transactions, allowing you to forward each individual transaction to the best suited payment service provider and thus increase conversions and reduce transaction fees.

You can use various criteria to control the routing decisions: card data, customer data, geographic parameters, risk classification as well as any number of platform and application-specific data.

The Smart Routing Engine allows you to configure and edit new and existing routes via a user-friendly Drag & Drop interface. Any changes you make can be applied immediately.

Monitoring & Reporting

As your central interface for all payment transactions, IXOPAY makes your payment flows fully transparent. Thanks to our integrated reporting tools, you have immediate access to all critical KPIs at a glance, and can easily customize your own attractive and insightful dashboard views, define pivot tables directly and export financial reports. You can automatically transfer data for further analysis to Business Intelligence solutions in your system environment.

Post Processing, Reconciliation & Settlements

The IXOPAY Post Processing Engine automates all your reconciliation and settlement workflows. You can optimize the complex process of exchanging and matching up transaction data with third party systems and service providers, with the IXOPAY platform consolidating the various formats used by different PSPs and displaying them in a centralized fashion.

IXOPAY's Post-Processing, Reconciliation and Settlement

Risk Management Engine

With the IXOPAY Risk Management Engine, we provide a tool for you to implement your own fraud prevention and risk management strategies. Make it easier to identify and refuse fraudulent transactions and react accordingly to potentially high risk payments.

The associated verification criteria can be configured individually and combined to form risk profiles, in order to be applied when rating transactions. These criteria include the data of individual transactions, such as the amount, as well as the payment method, user data, geographic location, technical data and aggregated historical transaction data.

Should you already be using external risk management and fraud prevention services, the results returned by these services can easily be interpreted in our score card.

IXOPAY's Risk Management Engine

Fee Management Engine

Ensure full transparency: our Fee Management Engine calculates the external fees and commission incurred when processing a payment in realtime, no matter which and how many service providers are involved, ensuring you always have an overview of the costs. The stored fees are not only used to automatically control reconciliation and settlement data, but also form the basis for optimizing costs with smart routing.

Customer Payment Profiles

Do you have multiple websites, apps and/or shops? Thanks to our customer payment profiles feature, end customers can store payment methods (cards, IBAN, wallets etc.) and use them with all of your eCommerce sales channels. Furthermore, you can display payment options sorted by customer preference or cost. Create a seamless user-friendly shopping and payment experience for all your end customers and a consistent brand experience.

Secure Payouts

How to transfer funds to customers safely? PSPs, ISOs, and enterprise merchants active in sectors like iGaming, digital advertising, and licensed forex and currency exchange face challenges with the execution of payouts routinely.

In such cases, IXOPAY's Secure Payouts Feature comes to rescue. With Secure Payouts, you gain complete control over each financial disbursement. You can apply the four-eyes-principle and configure review rules that follow your risk profiles. If the amount being paid out exceeds a predefined limit, IXOPAY's Secure Payouts can trigger customizable notifications to crucial personnel and delay payment until further verification.

Adapter World

Our adapters form the technical connection between IXOPAY and various payment service providers: credit card acquirers, providers of alternative payment methods such as eMoney wallets, but also risk management solutions, eCommerce platforms, ERP and CRM systems, and much, much more.

A single central API provides you with long-term access to the global payment landscape, and the catalog of IXOPAY adapters is continually being updated and extended to include new integrations, making it the fastest growing ecosystem in the payment sector.

Integrations with IXOPAY

Integration Options for Any Checkout Scenario

IXOPAY provides a wide range of options for providing an elegant, consistent and customer-friendly payment process integration as part of your checkout process.

Whatever your requirements, IXOPAY can meet them: Plugins for various shop systems, SDKs for mobile apps, hosted payment pages with a dynamic selection of payment methods, server-to-server API for PCI-compliant environments and our Payment.js library with hosted fields to keep the PCI scope as small as possible.

If MOTO orders (Mail Order / Telephone Order) are essential to your business, we also offer a virtual terminal.

Building your checkout process with IXOPAY

White Label - the Perfect Platform for your Payment Business

Our White Label platform is designed to give you a rock-solid technical foundation to build your business on, freeing up resources and budgets so that you can focus on the most important challenges – go-to-market, growth and customer success – without compromising on brand identity or functional depth.

IXOPAY is a white-label payment solution

Card Updater

Maintain up-to-date payment information for registered clients using VISA and Mastercard credit cards with IXOPAY’s Card Updater. Merchant clients can use this tool to maintain payment continuity with customers and reduce fees related to declined transactions. 

Don’t let your cash flow be interrupted by out-of-date data!

Recurring Payments with IXOPAY

The IXOPAY platform includes an easy-to-use payment scheduler that covers all the essential functions for recurring payments.

If your recurring business model has more complex requirements, then IXOPLAN is the right complementary solution for you, and can also be combined with your marketing and analysis tools.

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