X-Payments
Payment gateways
Payments orchestration software
Payment software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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$49 per month
Free Trial
Free version unavailable
Small
Medium
Large
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What is X-Payments
X-Payments is a self-hosted payment gateway platform that helps merchants and software teams connect websites or applications to multiple payment service providers. It is typically used by businesses that want to route transactions through different processors, support multiple payment methods, and keep payment logic under their own infrastructure. The product provides a gateway layer with integrations, routing options, and administrative tools, and it is commonly deployed alongside custom ecommerce or subscription systems.
Self-hosted deployment option
X-Payments can be deployed on a merchant’s own servers or chosen hosting environment, which can fit organizations with strict infrastructure or data-handling requirements. This model can reduce dependence on a single hosted gateway’s operational constraints. It also allows teams to align the gateway environment with internal security, monitoring, and change-management processes.
Multiple PSP integrations
The platform is designed to connect to more than one payment service provider, enabling merchants to support different acquiring relationships and payment methods. This can help businesses manage regional coverage and processor-specific capabilities without rebuilding checkout logic for each provider. It also supports use cases where merchants want to add or replace processors over time.
Gateway layer for routing
X-Payments acts as an intermediary layer between the storefront/app and payment processors, which can centralize payment configuration and operational controls. This approach can simplify maintenance when payment providers change APIs or requirements. It can also support operational workflows such as managing credentials, enabling/disabling methods, and handling processor-specific settings from one place.
Operational overhead of hosting
Because it is self-hosted, customers are responsible for deployment, uptime, patching, backups, and incident response. This can increase total operational effort compared with fully hosted gateway services. Teams may need dedicated DevOps and security resources to run it reliably at scale.
PCI compliance responsibility
Running a payment gateway in a self-managed environment can shift more compliance and security obligations to the customer, depending on how payment data is handled and tokenization is implemented. Organizations may need to complete additional PCI DSS scope assessments and maintain controls over time. This can be a barrier for smaller teams without compliance expertise.
Integration depth varies by PSP
Coverage and feature parity can differ across supported payment providers, especially for advanced capabilities such as 3DS flows, local payment methods, refunds/voids behavior, and dispute workflows. Merchants may still need provider-specific work to achieve consistent behavior across processors. This can affect time-to-implement when expanding to new regions or methods.
Plan & Pricing
| Plan | Price | Key features & notes |
|---|---|---|
| 10K (Basic) | $49 per month (monthly) / $499 per year (annual) | Up to 10,000 transactions/year; 1 shop; development instance included; PCI-compliant storing of customers' credit cards for recurring orders; Apple Pay & Google Pay supported. |
| 100K (Advanced) | $89 per month (monthly) / $899 per year (annual) | Up to 100,000 transactions/year; 1 shop; development instance included; PCI-compliant card storage; Apple Pay & Google Pay supported. |
| 300K (Multistore) | $199 per month (monthly) / $1,999 per year (annual) | Up to 300,000 transactions/year; supports 10 shops; development instance included; PCI-compliant card storage; Apple Pay & Google Pay supported. |
| X-Payments Enterprise | Custom pricing (request a quote) | 300,000+ transactions/year; unlimited shops; PCI Level 1 certified environment; individual/enterprise onboarding and personal account manager; contact sales for quote. |
