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Payment Orchestration & Transaction Routing

Orchestrate, Manage & Optimize your payment process with IXOPAY

How Enterprises can Route, optimize and control their transactions with one integration.

Reach your payment processing goals with IXOPAY’s SaaS payment orchestration platform and its dynamic payment routing capabilities. Benefit from transaction cost optimization, increase of acceptance rates, protection against provider downtime or unavailability, and payment load distribution.

Why use dynamic payment routing?

Payment gateway routing gives you more control over your payments. It allows for the customization of payment flows, flexible load distribution, lower transaction costs, and the use of fall-back routing and cascading in case of provider downtime.

Key Features of Payment Routing

Transaction Load Balancer

Balance & Spread your transaction volume across multiple Payment Providers. Load Balancing helps merchant to minimize risk and maximize processing volumes.

Cascading

Increase the chance of successfully completing transactions. If the transaction failed with the first payment service cascading automatically forwards it to an alternative service provider and so on.

Geographic Optimization and Cross-border Payments

Select the cheapest payment service provider and reduce decline rates. Prioritize the display of local payment methods in the selection of available PSPs and increase conversion rates.

Risk-based Routing

Check risk scores based on rules and push transactions to the most appropriate providers, in order to improve chances of authorization.

Transaction Fallback 

Fallback routing automatically retries transactions in case of errors such as failures, false positive declines, and system errors.

IXOPAY's tech payment infrastructure lets you create routing rules that will benefit your business and help you grow. The full feature set allows for complete control of your payment-stack giving you independence, flexibility, and security.

Starter BETA

€ 199,-/Month

free trial of up to 7 days included*

Sign up now

Unlimited Transactions

€ 0.10 per GTX, STX, 3DS

1 Merchant

3 Payment Adapters

1 Customizable Dashboard

Card Vaulting

€ 0.02 monthly per Token (eg. tokenized PAN, IBAN, Network Token, or any other payment instrument)

Card Updater

€ 0.20 per Update

1 Risk Profile

€ 0.015 per Risk Check

Transaction Routing

Limited Rule Set

3 Integration Options

Limited Email Support

Limited SLA

Payment Scheduler

Data Import & Export

Post Processing incl. Provider Settlements & Reconciliation

Virtual Terminal

Customer Payment Profiles

White Label Option

Pay By Link

Growth BETA

€ 499,-/Month

free trial of up to 7 days included*

Sign up now

Unlimited Transactions

€ 0.08 per GTX, STX, 3DS

3 Merchants

5 Payment Adapters

1 Customizable Dashboard

Card Vaulting

€ 0.02 monthly per Token (eg. tokenized PAN, IBAN, Network Token, or any other payment instrument)

Card Updater

€ 0.20 per Update

1 Risk Profile

€ 0.015 per Risk Check

Transaction Routing

Limited Rule Set

3 Integration Options

Limited Email Support

Limited SLA

Payment Scheduler

Data Import & Export

Post Processing incl. Provider Settlements & Reconciliation

Virtual Terminal

Customer Payment Profiles

White Label Option

Pay By Link

Enterprise

Individual

get your personal quote

Request a Demo

Unlimited Transactions

Individual Pricing

Unlimited Merchants

All Payment Adapters

Customizable Dashboards

Card Vaulting

Individual Pricing

Card Updater

Individual Pricing

All Risk Rules

Individual Pricing

Full Access to all Routing Rules

All Integration Options

24/7 Support

SLA

Payment Scheduler

Data Import & Export

Post Processing incl. Provider Settlements & Reconciliation

Virtual Terminal

Customer Payment Profiles

White Label Option

Pay By Link

* Billing will automatically begin once the free trial is over. The free trial lasts for a seven (7) day period or once one of the following metric values has been met: 100 GTX, 100 STX, 100 3DS triggers, 100 tokens stored, 100 risk check triggers.

Please note, IXOPAY is a purely technical platform and does not provide you with a merchant account. By using the IXOPAY payment orchestration platform, you will have access to a centralized payment set up and be able to connect to our integrated adapters. See the complete list of adapters here. For more information about IXOPAY and its products you can contact our sales team, who will be happy to answer any of your questions.

Features

Fully PCI Compliant Card Vaulting

Our fully PCI-compliant solution protects you against provider lock-in. The IXOPAY vaults stores clients’ sensitive card payment information and creates randomly generated tokens in order to protect your payment data and allow for a smooth user experience across all payment providers.

Dynamic Payment Routing

Route transactions to the best provider based on location, risk assessment, and platform specific data. Reduce the impact of provider outages, increase card acceptance rates, and benefit from lower transaction costs. Create the best path for a transaction from any location.

Analytics & Monitoring

Real time payment performance tracking with our dynamic dashboards. See the overview of important payment data. Configurable dashboards allow for personalized tracking of payment information. Create pivot tables and set up alerts and notifications to stay on top of your data.

Risk and Fraud Management

Protect against fraud and risk by leveraging the powers of IXOPAY’s built-in Risk Management Engine. Connect with leading third-party risk and fraud management solutions to create bespoke protection. Create and assign risk rules to countries, payment methods, customers and more.

Transaction Fee Management

Ensure full transparency over your fees and know exactly how much is due for each transaction in real time. The Fee Management Engine calculates the external fees and commission incurred when processing a payment, no matter what provider or method is used.

Secure Payouts Management

Protect your payments and make secure payouts with IXOPAY. Get complete control over each financial disbursement. Apply the four-eyes-principle and configure review rules that follow carefully created risk profiles. Trigger customizable notifications to crucial personnel and delay payment until verification.

Adapter World

Connect to 200+ leading global, alternative and local payment providers. Create your perfect payment mix with a selection of payment providers and methods from just one API. Reduce shop cart abandonment and improve your acceptance rates with the perfect payment mix.

Card Updater

Maintain accurate account information, and reduce the fees associated with declined transactions. The card updater automatically updates changes to MasterCard and VISA cards stored on the system, such as new account numbers, closed accounts, updated expiration date and so on.

Recurring Payments

Automate recurring payments with an easy-to-use payment scheduler that covers essential functions and more for repeat payments. Subscription-based business models rely on reliably scheduled income. Flexibility and connectivity ensure the uninterrupted collection of payments, protecting business from technical difficulties.

Integration Options for Any Checkout Scenario

Get everything you need to make an elegant and user-friendly checkout experience. IXOPAY provides plugins for shop solutions, SDKs for mobile apps, hosted payment pages with a dynamic selection of payment options and a server-to-server API for PCI-compliant environments.

White Label Payment Gateway

Our White Label platform gives payment service providers, ISOs, acquirers and other financially licensed institutions a rock-solid technical foundation to grow their business, without compromising on brand identity or functional depth. This allows them to focus on their core business.

Customer Payment Profiles

Increase client satisfaction and promote cross-selling with customer payment profiles. End-customers can store their payment methods (cards, IBAN, wallets etc.) on your sites, enabling frictionless payments across all your eCommerce sales channels, improving the customer experience and promoting consumer loyalty.

Small Selection of our Integrated Adapters

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