XLY Technology LLC builds and operates a cloud software platform for card payment acceptance, smart routing, settlement management and risk control — delivered as a service, with payment processing provided through established, regulated processing partners.
Explore the Platform Contact UsThe platform
Checkout, routing, balances, settlements and disputes — every part of getting paid, in one dashboard built for online businesses.
What we do
Accept cards, follow your money, and handle disputes — without building payment infrastructure yourself.
A ready-made, mobile-friendly checkout page for your store. Card details are entered directly into our processing partners' secure components — they never pass through your servers or ours.
Transactions are routed across connected payment processors according to your configuration, so a single integration gives you more than one processing path.
See gross volume, fees, reserves and payouts in one place, with settlement statements your finance team can reconcile against.
Every transaction is screened by rule-based risk scoring. Disputes and chargebacks are surfaced in your dashboard with the evidence deadlines that matter.
Transactions, balances, settlements and account settings in a single web dashboard — no spreadsheets, no guesswork.
A documented REST API, JavaScript SDK and webhooks let your developers integrate payments into custom storefronts and keep your systems in sync.
How it works
Apply for a merchant account and connect your website using the hosted checkout, the API, or the SDK.
Your customers pay by card. Payments are processed by our processing partners and routed according to your setup.
Track every transaction in the dashboard and receive settlements to your business bank account on your agreed cycle.
Routing
Your checkout connects to XLY once. Behind the scenes, each transaction is routed to a connected payment processor according to your configuration — so your store is never tied to a single processing path.
Compliance
Payments are a regulated business, and our platform is designed around that fact.
Card numbers are collected by our processors' PCI DSS compliant payment components. That keeps XLY and its merchants within the simplest PCI scope (SAQ A).
XLY provides software and payment technology. Payment processing itself is provided by regulated third-party processors — we do not operate as a bank.
Rule-based risk scoring, transaction monitoring and full audit logs run across the platform, and merchant terms prohibit restricted and unlawful business categories.
FAQ
No. XLY Technology LLC is a software company. We build and operate the platform — checkout, routing, dashboards, settlements and risk tooling. The payments themselves are processed by established third-party payment processors that are regulated in their own right.
No. Card details are entered into the processors' secure payment components and go directly to the processor. They never pass through your servers or ours, which keeps everyone in the simplest PCI DSS scope, SAQ A.
Pricing is agreed individually with each merchant, based on business type, volume and risk profile, and is set out in your merchant agreement. We do not publish a single standard rate, because one rate does not fit every business.
Settlements are paid to your business bank account on the cycle set out in your merchant agreement. Your dashboard always shows what has settled, what is pending, and what is held in reserve, so there are no surprises.
Contact us with a short description of your business and website. We review every application, and approved merchants can connect through the hosted checkout, the API, or the SDK.
Tell us about your business and we will come back with the next steps for onboarding.