Everything an online business needs to accept card payments and run them day to day — without operating its own payment infrastructure.
Routing
A single integration connects your store to multiple payment processors. Transactions are routed according to your merchant configuration, and every route reports into the same dashboard and settlement flow.
Accept major card brands online through our processing partners. One merchant account on the XLY platform connects your store to the processing path configured for your business.
A checkout page hosted by XLY, styled for your store and built for conversion on mobile and desktop. Because card data goes straight to the processor, your PCI scope stays minimal.
Our routing layer directs each transaction to the configured processor and account. If one path is unavailable, routing rules give your checkout a fallback instead of a failed sale.
Track pending, reserved and paid-out amounts per settlement cycle. Each settlement produces a statement breaking down volume, refunds, fees and reserves, ready for your bookkeeping.
Transactions are scored in real time against configurable rules — velocity, amount patterns, device and network signals. Flagged payments are held for review in the admin console before they become losses.
Card disputes appear in your dashboard with amounts, reasons and evidence deadlines, synced from the processor, so you can respond in time instead of discovering them in a statement.
Balances, transactions, settlements, disputes and API keys in one place, with role-based access for your team.
REST API with test and live keys, a JavaScript SDK for custom storefronts, signed webhooks for payment events, and idempotency support for safe retries.
Online retailers, digital goods and services, and content platforms that sell to customers online and want payment operations handled by a specialist platform.
Services are provided under individual merchant agreements. Fees, settlement cycles and reserve terms are agreed per merchant and are not published on this website. Talk to us about your business.