IXOPAY is an enterprise-grade payment orchestration platform that enables businesses to manage, optimize, and scale their global payment strategies. Designed to support high-volume merchants, fintech companies, and platforms, IXOPAY helps organizations connect with multiple payment service providers (PSPs), route transactions intelligently, and gain control over the entire payment lifecycle.
Instead of relying on a single PSP, IXOPAY gives businesses the freedom to connect with multiple providers, reducing dependence on any one partner and improving resilience. It also enhances performance by dynamically routing payments based on cost, performance, or geography. With built-in fraud prevention, smart retries, and reporting, IXOPAY helps increase conversion rates and reduce failed transactions.
Whether you’re expanding into new markets or improving your existing payment infrastructure, IXOPAY gives you the flexibility and tools to take control of your payments.
Features
Intelligent Payment Routing
Automatically routes payments to the most suitable provider based on business rules like location, payment method, or transaction success rates.
Multiple Provider Integration
IXOPAY supports seamless integration with hundreds of global and regional PSPs, giving businesses the ability to diversify and scale quickly.
Smart Transaction Retry
Improves conversion by intelligently retrying failed transactions with alternative providers, methods, or currencies.
Centralized Payment Hub
Gives full control over all payment data and operations through a single, unified platform.
Reconciliation & Settlement Reporting
Consolidates and automates financial reporting across providers, making reconciliation and settlement faster and more accurate.
Tokenization & Vaulting
Provides secure card data storage and tokenization to support PCI DSS compliance and ensure secure handling of sensitive data.
Fraud Prevention Tools
Includes customizable fraud detection rules and integrates with third-party fraud providers to protect against chargebacks and fraud.
White-Label Capabilities
Platforms and marketplaces can use IXOPAY to offer their own branded payment infrastructure to clients and partners.
Split Payments & Payouts
Supports complex payment flows like splitting payments among multiple parties or scheduling payouts to vendors and sellers.
How It Works
IXOPAY acts as a middleware layer between your application or ecommerce platform and various PSPs. Through one integration, businesses can connect to multiple payment providers, acquirers, and alternative payment methods.
Once connected, you can define routing rules to optimize performance—such as sending European transactions through a local provider or retrying failed payments through a secondary provider. IXOPAY’s smart engine automatically handles retries, conversions, and fallback logic to improve approval rates.
Tokenization ensures cardholder data is stored securely, while transaction data is centralized in IXOPAY’s dashboard for easy reporting and reconciliation. The platform also provides developer-friendly APIs and white-label options for partners or platforms looking to build custom payment ecosystems.
Use Cases
Ecommerce Expansion Across Borders
Retailers expanding into international markets use IXOPAY to connect with local payment providers and support region-specific methods like SEPA, iDEAL, or PIX.
Redundancy & Failover Protection
Merchants reduce downtime and dependency by routing transactions through multiple PSPs, ensuring continuity in case of a provider outage.
Fintech Platforms & Marketplaces
Fintech companies use IXOPAY to manage complex flows such as split payments, vendor payouts, or embedded payment services for clients.
Optimizing Conversion Rates
Businesses improve payment approval rates through intelligent routing, retry logic, and selection of local acquirers based on performance metrics.
Cost Control & Fee Optimization
Merchants reduce payment processing costs by routing transactions through the most cost-effective providers in real time.
Compliance and Security Management
Enterprises use IXOPAY’s vault and tokenization services to offload PCI DSS scope and secure sensitive payment data.
Pricing
IXOPAY follows a custom pricing model based on transaction volume, number of integrations, required features, and service level. The platform typically serves mid-sized to large enterprises, fintech platforms, and marketplaces.
Pricing considerations may include:
Number of connected PSPs or acquirers
Volume of monthly transactions
Use of white-label or advanced features
API access and customization needs
Enterprise support and SLAs
Organizations can request a tailored quote and product demo through the IXOPAY contact page.
Strengths
High Flexibility and Scalability
IXOPAY supports global growth by enabling quick connection to hundreds of payment providers, making it easy to scale into new regions.
Improves Conversion Rates
Smart routing, retry logic, and provider optimization help reduce declined transactions and increase approvals.
Vendor Agnostic
Keeps businesses in control by avoiding vendor lock-in and allowing seamless switching or balancing between PSPs.
Strong Reporting and Reconciliation
Consolidates multi-provider data into one dashboard, simplifying financial tracking and operations.
Secure and Compliant
Tokenization and PCI DSS-aligned architecture reduce security risk while enabling global compliance.
Drawbacks
Enterprise-Focused
The platform is best suited for larger businesses or platforms with complex payment needs. Smaller merchants may find it too feature-rich.
Requires Initial Setup Effort
Because of its flexibility, setting up multiple integrations and routing rules may take time and technical planning.
Custom Pricing
No fixed pricing listed publicly, which may make initial budgeting or comparisons more difficult.
Comparison with Other Tools
Compared to other payment orchestration platforms like Payoneer, CellPoint Digital, or Primer, IXOPAY stands out for its deep integration capabilities, white-label options, and extensive global PSP network.
While Primer emphasizes workflow automation, IXOPAY offers more advanced features for multi-party payouts, reconciliation, and enterprise-grade scalability. Compared to Adyen, which is a combined PSP and platform, IXOPAY offers more flexibility by being provider-neutral, allowing merchants to choose or switch providers freely.
It’s ideal for businesses that want full control over their payment stack without being tied to one processing partner.
Customer Reviews and Testimonials
Clients often highlight how IXOPAY helped them reduce failed payments and optimize performance by using local providers. Businesses appreciate the transparency and control it provides, especially in international operations where managing multiple PSPs is critical.
Customers in fintech and ecommerce note the ease of integration, responsive support team, and real-time visibility into transaction health. The reporting and reconciliation tools are often described as intuitive and highly valuable during audits or financial planning.
Some users mention that the platform has a learning curve during setup, especially when configuring advanced routing or split payments, but the payoff is seen in long-term performance improvements.
Conclusion
IXOPAY is a powerful payment orchestration platform built for modern businesses that demand flexibility, control, and global reach. Whether you’re expanding internationally, reducing PSP dependency, or optimizing for conversion, IXOPAY provides the tools to take ownership of your entire payment strategy.
With smart routing, multi-PSP support, tokenization, and rich reporting—all in one unified platform—IXOPAY helps businesses grow faster and operate more securely in a complex payments landscape.
