IXO One
<Your payments. Your choices.>
Commerce is becoming more fluid, and payments more fragmented. New channels, payment methods, fraud patterns, and agentic transactions are adding complexity, while traditional platforms lock enterprises into rigid models that cannot keep pace. IXO One brings orchestration, payments intelligence, and tokenization together in one modular, AI-native platform, giving businesses the freedom to buy what they need and build what they want.
Built around your business. Ready for what’s next.
Build at the speed of thought
Connect with 500+ ready-to-go connectors, build with our Adapter SDK, and boost productivity with our MCP Server.
Understand what to do next
Turn fragmented payments data into actionable intelligence using AI-driven insights. Get answers. Make decisions.
Build and buy payment modules
Buy the capabilities you need, build the experiences you want, and combine both approaches without being forced into a rigid operating model.
Catch issues early
Machine learning flags what moves outside normal. Alerts reach your team in-platform, by email or in Slack.
IXO One
Protect payment data without limiting where you can use it.
Keep stored credentials portable across channels and providers.
• Secure your payment data, reduce PCI scope and minimize costs
• Boost authorizations with up-to-date card data
• Use the token scheme that works best for your business
Control how payments move through your stack.
Connect providers, orchestrate transaction flows, and manage payments across the entire lifecycle, from pre-authorization to post-authorization.
• Build the adapters you need with our Adapter SDK
• Connect to 250+ payment providers and 300+ payment methods through a single API with pre-built adapters
• Intelligently route payment flows for higher approvals and lower costs
• Automate reconciliation and reporting across all of your providers
Understand what is happening across your payments and why.
Connect fragmented data to clearer reporting, faster investigation, and better decisions.
• Have a question? Ask our AI payments assistant to get answers and recommendations
• Detect issues before they escalate with anomaly detection and custom alerts
• Unify payment data from multiple providers and share it directly with internal reporting, analytics, and BI workflows
Support emerging ways to buy while maintaining trust and control.
Connect agentic experiences to payment infrastructure and preserve transaction context.
• Support more agentic shopping experiences with one connection instead of integrating with every protocol
• Verify, accept and defend agentic transactions by preserving AI context alongside the payment reference
• Accelerate development and streamline day-to-day payment operations with MCP server
Connect payment activity across different tokens and channels.
Use a non-sensitive reference to link transactions associated with the same card account, even when different payment tokens are used.
• Build a clearer view of card-account activity across channels
• Support loyalty and customer insights without using raw card numbers
• Add context to help detect multi-account and promotional fraud
Protect in-person payments from the moment the card is read.
Encrypt card data at supported payment devices and keep it protected until it reaches IXOPAY’s secure decryption environment.
• Reduce PCI scope with a PCI-validated P2PE solution
• Preserve processor choice for your in-person payment setup
• Receive Universal Tokens to connect in-person and online payment data
The IXO One difference: A smarter foundation. More freedom to grow.
Payments that keep getting smarter
Our shared platform connects insights, actions, and results to support ongoing optimization. Turn payments into a system that continuously learns and improves.
Intelligence built in
An AI payment expert ready to answer your questions, proactively alert you to changes, and provide recommendations.
Commercial package flexibility
Pay for the capabilities and usage you need under one contract, with the flexibility to change and add services as your business grows.
Build + buy without starting over
Combine IXOPAY capabilities with your existing connections, workflows, and customer experiences.
“As a global company, connectivity to a large number of international payment service providers is paramount. The fast integration of local payment methods is crucial when entering new markets, and this is something IXOPAY has been handling in record time.”
Orkhan Abdullayev
Senior Director, Delivery Hero
