Unlock Payment Data
<Own your payment data and put it to work>
Keep the freedom to use your stored payment credentials across providers and turn payment data into better decisions. IXOPAY combines merchant-owned Universal Tokens with Payments Intelligence to help you adapt your payment setup, understand performance, and identify opportunities to improve.
Payment data challenges
Stored credentials tied to a single provider can make it harder to change your payment setup. At the same time, transaction data scattered across dashboards and reporting formats makes it difficult to compare providers, understand costs, and investigate performance issues. IXOPAY gives you a portable foundation for stored payment credentials and a consolidated view of payment performance, so you can choose providers based on your business needs and make more informed decisions.
44%
of large merchants switched or added a provider in five years (BCG, 2026)
39%
of large merchants use different acquirers online and in store (BCG, 2026)
79%
of large merchants saw payment costs rise over five years (BCG, 2026)
How IXOPAY helps
Keep your tokens portable
Use merchant-owned Universal Tokens across payment providers and channels. Store cards on file once, then add or change processors without repeatedly migrating your stored credentials or relying on one provider’s token system.
Retain control of stored payment data
Keep sensitive credentials in the IXOPAY vault and use non-sensitive tokens within your systems. Maintain a centralized record of stored payment credentials while preserving your ability to choose where payments are processed.
See payment performance across providers
Bring data from PSPs, acquirers, gateways, and other payment sources into one analytics environment. Compare performance by provider, market, payment method, issuer, and more to understand where payments succeed and where they need attention.
Ask questions and investigate faster
Use our conversational AI payments assistant, to explore your data in plain language. Investigate approval changes, fee spikes, and chargeback patterns, with summaries and recommendations to guide your next steps.
Find opportunities to improve
Analyze processing fees, declines, retries, refunds, and disputes to identify opportunities to protect revenue and margins. Use anomaly detection and configurable alerts to spot changes, then track performance as your team makes adjustments.
Use payment data in your own workflows
Make provider data available to payment, finance, and operations teams through unified reports, Snowflake, APIs, and secure transfers. Connect it to your existing analytics and BI workflows with less reliance on separate PSP exports.
Keep your data useful as commerce changes
New channels, providers, and buying experiences should expand your options. Build on portable payment credentials and connected intelligence so your team can adapt its payment strategy, measure the results, and keep improving as customer expectations evolve.
