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Build and Test with Universal Tokens

Over 2B Tokens Stored!

Request sandbox access to evaluate our tokenization capabilities firsthand. Test our flexible Universal Tokens designed for modern, multi-provider payment ecosystems.

Why IXOPAY?

Equip your business with the world’s most advanced merchant-owned tokenization, AI-driven payments intelligence, and enterprise-grade orchestration.

Own Your Payments: Use a single token format across multiple PSPs without being locked into a single provider.
Add Any Payment Processor: Easily add or remove providers to boost performance, improve resiliency, or reduce costs.
Customize Your Schemes: Apply specific formatting logic tailored to your business needs.
Prepare for Agentic Commerce
Lay the groundwork for agent transactions with a programmable control layer.

Plans Starting at $1000 Per Month!

See why 700+ Global Merchants & Fintechs rely on IXOPAY

See more of our Clients

“IXOPAY was the first solution I found that solved our problem, and my research did not lead me much past them. We weren’t able to find a lot of providers on the same level.”

Ryan Christensen, VP of Engineering at Acima

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Payment Token Types: How Merchants Can Leverage Tokenization for Optimized Processing Discover the differences between PSP, universal, and network payment tokens—and how combining them can boost approval rates, reduce fraud, and enhance flexibility.

How to Reduce PCI DSS Scope with Tokenization: A Strategic Guide for Payment Compliance Learn how to reduce PCI DSS scope with tokenization.