Sold by: X-Cart
Deployed on AWS
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PSD2/SCA ready and PCI DSS Level 1 Certified HEADLESS PAYMENTS API AGGREGATOR
4.3
Overview
PSD2/SCA ready and PCI DSS Level 1 Certified Headless Payments API Aggregator.
Start using X-Payments for your business and automatically get access to ready-made integrations with various payment providers and systems, fraud screening apps, and other integrations and features through a single API.
Using X-Payments allows you to integrate it once and get access to a variety of payment processors, fraud screening services, and handy features - one at a time. It allows you to add or switch between providers and solutions by simply checking the right boxes in the backend.
Payment processors and gateways supported:
2Checkout American Express Payment Gateway Authorize.Net (aka Auth.net) AIM, CIM and AIM XML Bambora Beanstream (legacy API) Bendigo Bank BillriantPay BluePay BluePay Canada (ex. Caledon) - Real-Time Interface Bluesnap (Payment API XML) Braintree Cardinal Commerce Centinel CardPointe aka Clover Connect (integrated payment channel of Fiserv) Chase Paymentech Orbital CyberSource SOAP toolkit API Elavon (formerly Opayo Direct) Elavon Converge (ex VirtualMerchant) Elavon (Realex API) eProcessing Network - Transparent Database Engine eWAY Rapid - Direct Connection FirstData E4(SM)/Payeezy FirstData Global Gateway Global Iris GoEmerchant - XML Gateway API Heartland Payment Systems HeidelPay Ingenico Payment Services (ex. Ogone e-Commerce) Intuit Quickbooks Payments Intuit Innovative Gateway iTransact - XML connection method MasterCard Simplify Commerce Meritus Payments Moneris eSelect DirectPost/eSelectPlus NAB (National Australia Bank) Netevia NMI (Network Merchants Inc.) (used by Merchant One) NMI (ex USA ePay) - Transaction Gateway API Global Payments (ex Realex) PayGate Korea PayPal REST API PayPal Payments Pro PayPal PayFlow Plug'n'Play WebXpress - XML Method PSiGate XML API QuantumGateway - XML Requester QuickPay Paya (ex. Sage Payments in the USA) SkipJack TSYS Sparrow (ex. 5th Dimension Logistics) Stripe Suncorp (Suncorp Bank) TranSafe/Monetra Worldpay Global Gateway - Direct Model Worldpay US (Lynk Systems) Worldpay Total US
Screen credit card transactions for online fraud with help of Signifyd, Kount, NoFraud or using X-Cart's AntiFraud service.
Highlights
- PCI Compliant - X-Payments is a PCI Level 1 certified service for PCI compliant credit card processing for on-line merchants.
- Over 40 credit card payment gateways. Authorize.Net, FirstData, Chase Paymentech, Braintree, Realex, Elavon, PayPal Payments PRO, Opayo, CyberSource, Intuit Quickbooks, Quantum and others.
- Smart Routing Routing transactions to different payment processors depending on the card type (VISA, MasterCard, AMEX, etc), size of the transaction, the currency of the transaction.
Details
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Pricing
Pricing is based on the duration and terms of your contract with the vendor. This entitles you to a specified quantity of use for the contract duration. If you choose not to renew or replace your contract before it ends, access to these entitlements will expire.
Additional AWS infrastructure costs may apply. Use the AWS Pricing Calculator to estimate your infrastructure costs.
Dimension | Description | Cost/month |
|---|---|---|
X-Payments subscription | per instance running | $499.00 |
Dimensions summary
This listing has one pricing dimension: an X-Payments subscription billed per running instance (Host). You pay for each instance you run under a contract term. Pricing scales with the number of instances you deploy — add another Host and your cost grows accordingly. There are no separate tiers or usage add-ons. The subscription gives you access to the payment processing service, which uses a REST-like API to submit and manage payments over secured connections.
Top-of-mind questions for buyers
A Host is one running instance of the X-Payments software. You pay for each separate instance you deploy. Each instance is counted on its own, so running two instances means paying for two Hosts. The count reflects instances actually running under your contract.
Yes. Cost scales with the number of running Hosts. Adding another instance increases your charge by one more Host. Removing an instance reduces the count you pay for. Billing follows the number of instances you run under the contract, not a fixed flat fee.
Each Host runs the X-Payments payment processing service. It uses a REST-like API with JSON requests to submit and manage payments. Connections require HTTPS secured with TLS 1.2 or higher. Requests use account-based authentication plus a signed header for each action.
xpayments.stoplight.io
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Vendor refund policy
30 days unconditional money back
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Delivery details
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Support
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Customer reviews
KIRTI P.
Flexible E-Commerce Management with a Learning Curve
Reviewed on Dec 18, 2025
Review provided by G2
What do you like best about the product?
I like X-Cart for its flexibility and power in managing an online store. The product and inventory management features are well organized, making it easy to see sales in one place. I also appreciate the good level of customization and the support for multiple payment options, which help me every time.
What do you dislike about the product?
The initial setup and configuration can feel a bit technical, especially for beginners without development experience. Certain advanced features and support options are only available in higher-priced plans, which could be improved.
What problems is the product solving and how is that benefiting you?
X-Cart helps me create and manage an online store without starting from scratch. It solves problems with product management, order processing, and operates an e-commerce site smoothly.
Lynn B.
The X-Cart Team Members always have my back!
Reviewed on May 23, 2025
Review provided by G2
What do you like best about the product?
With the X-Cart subscription I can always ask a question or tell them of trouble I have with our site and they fix it or explain what is going on.
What do you dislike about the product?
Sometimes some of the technical aspects of the web site are a bit complicated and it is hard to understand how things work but with the Team's help eventually I figure it out.
What problems is the product solving and how is that benefiting you?
They allow us to sell our products and present them in a way that attracts new and existing customers
John S.
X-Cart 6 years of E-commerce Support $$$$$ The Real Deal DEPENDABLE, EFFECTIVE, CONSISTENT
Reviewed on Oct 28, 2024
Review provided by G2
What do you like best about the product?
I like the premium customer support, I have made my life what it is because of X-cart. Serious E-commerce beginners or veterans, I highly recommend the X-cart platform.
Ease of integration with apps, I highly suggest the premium support, they are so good!
One time my site went down when I had some third-party developers working on the server side, and they were on the phone and emailing me within 15 seconds!!
Fixed and back up in 10 minutes.
Ease of integration with apps, I highly suggest the premium support, they are so good!
One time my site went down when I had some third-party developers working on the server side, and they were on the phone and emailing me within 15 seconds!!
Fixed and back up in 10 minutes.
What do you dislike about the product?
I am not sure how to answer this after the MILLIONS of dollars earned from my partnership with X-cart.
What problems is the product solving and how is that benefiting you?
SALES SALES SALES
GET THAT MONEY
What else matters in E-commerce?
GET THAT MONEY
What else matters in E-commerce?
Jeff G.
X-Cart, Best decision I made
Reviewed on May 31, 2024
Review provided by G2
What do you like best about the product?
I have been using X-Cart since 2010. I stumbled across X-Cart when looking for a new shopping cart solution for our manufacturing company. Safe to say 14 years later this is one of the best decisions I have ever made. This shopping cart is very robust and can do way more than we need it to. I prefer X-Cart over others for its SEO integration, I can list a new product and within days it is front page on Google. X-Cart's support team is unmatched, their response time is ridiculously quick and they work the ticket nonstop / straight through until the issue is resolved. To get the most out of the shopping cart and their service I recommend using their hosting as well. I had originally started with GoDaddy hosting and thought that was good. When, I switched to X-Cart hosting our website sales really took off. I would recommend X-Cart to anyone willing to listen to me!
What do you dislike about the product?
If you are not very savvy with tweaking code the cart can be a bit overwhelming to customize however their ready-made skins are quite good and make for a professional looking site without many changes.
What problems is the product solving and how is that benefiting you?
Give us a quick way to showcase / bring new products to market as a manufacturer
Anshuman K.
"X-Cart: A comprehensive e-commerce solution for businesses of all sizes"
Reviewed on Nov 21, 2023
Review provided by G2
What do you like best about the product?
Adaptability and scalability are among the most essential strengths of X-Cart, and that's considered a good platform to e-commerce operators requiring a mechanism type conducive to their business growth. The platform is equipped with a suite of extensions and integrations to allow the tailoring of the solution to some more specific requirements. X-Cart also features quite deep reporting and analytics tools that help in tracking sales, customer behavior, and various performance metrics over time.
All in all, X-Cart is a very high customizable and configurable e-commerce solution for the businesses of any size and of any industry. I am particularly impressed with the friendly-user interface and its ease-of-use as well as a comprehensive suite of support and resources that are available. I recommend X-Cart as a reliable and scalable e-commerce platform for businesses that really want to maximize their online sales potential.
All in all, X-Cart is a very high customizable and configurable e-commerce solution for the businesses of any size and of any industry. I am particularly impressed with the friendly-user interface and its ease-of-use as well as a comprehensive suite of support and resources that are available. I recommend X-Cart as a reliable and scalable e-commerce platform for businesses that really want to maximize their online sales potential.
What do you dislike about the product?
As a data analyst, and e-commerce operator, I don't find any particular dislike points about X-Cart. But for those who are willing to utilize it with their hands in shackles, the flexibility of customizations or extendibility might be somewhat intimidating for them occasionally as it demands a technical hand. Moreover, even though it boasts of a very extensive knowledge base and support resources, the platform might turn out to be a little bit daunting for some users in their navigation around and getting exactly what they are specifically after.
Another con likely to be associated with X-Cart is performance, especially where your website gets huge traffic bursts. In this case, the platform may not cope with such spikes and loading will stagger negatively influencing user experience. Yet X-Cart has several kinds of servers to eliminate this problem such as dedicated servers and cloud-based solutions.
Another con likely to be associated with X-Cart is performance, especially where your website gets huge traffic bursts. In this case, the platform may not cope with such spikes and loading will stagger negatively influencing user experience. Yet X-Cart has several kinds of servers to eliminate this problem such as dedicated servers and cloud-based solutions.
What problems is the product solving and how is that benefiting you?
As an e-commerce operator, I have found X-Cart to be an essential tool for streamlining my online store's efficiency, scalability, and competitive advantage. The platform's user-friendly interface and customizable options have significantly improved my ability to manage my store, while X-Cart's robust features have helped me effortlessly handle increased traffic and growth without impacting performance. Moreover, X-Cart's versatility in expanding to new markets and customizing my store to meet my target audience's needs has helped me increase sales and maintain high levels of customer satisfaction.