IXOPAY brings independence and flexibility to the process of online payments. From intelligent payment options for end customers to an acquirer-agnostic PCI Vault that supports smart routing and modular risk and fraud management to centralized reporting, settlement and reconciliation, the entire life cycle of a transaction can be fully depicted with individually customizable technologies.
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 and GDPR-compliant solution thus provides you with more flexibility, reliability and the largest possible degree of independence from your payment service providers.
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 allows you to fully automate matching up and exchanging transaction data with third party systems and service providers. You can optimize the complex process of matching up data while IXOPAY will automatically inform you of any potential conflicts. Our Post Processing Engine includes reconciliation and settlements, with the IXOPAY platform consolidating the various formats used by different PSPs and displaying them centrally.
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 more, 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.
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.
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.
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.
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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