⚠️ Requires: - X-Cart 5.5.1 or later. - X-Payments Cloud Connector 5.5.1.7 |
What is X-Cart Pay?
X-Cart Pay is our native payment service. It lets you accept card, Apple Pay, and ACH payments without third-party providers like PayPal or Stripe. You can transfer funds from X-Cart admin directly to your bank, with money available the next day.
Why Choose X-Cart Pay?
X-Cart Pay is a secure, affordable payment service that lets you accept payments from multiple methods, and enjoy next-day payouts.
Benefits
All-in-One Payment Management. Control payments, payouts, refunds, and disputes directly from your store.
Top-Tier Security. Enjoy PCI compliance, 3D Secure, and real-time AI-fraud monitoring.
Multiple Payment Options. Accept credit cards, debit cards, Apple Pay, and ACH payments.
Flexible Payouts. Receive payouts to your bank daily or monthly.
No Hidden Fees. No setup fees, monthly charges, or renewal commitments – just pay per sale.
24/7 Support. Get help anytime with our dedicated payment support team.
Which Countries Can Use It?
🇺🇸 X-Cart Pay is currently available only to U.S. merchants who meet the required terms and conditions.
Processing Fees
There are no monthly fees, setup fees, or renewal commitments. You simply pay per transaction, with processing fees only when you make a sale.
Card Payment
Card Payment
Payments: 3% + $0.40
Refunds: 0% + $0.40
Payment Dispute: $20
ACH Bank Transfer
ACH Bank Transfer
Payments: $0.50
Refund: 0% + $0.50
Return: $20
Payment Dispute: $20
Services
Services
Standard Deposit: $0.40
3DS Attempt: $0.40
Getting Started with X-Cart Pay
This guides will walk you through the steps to set up X-Cart Pay:
📚 You’ll learn how to sign up, configure, and enable X-Cart Pay at checkout, along with setting up options like Apple Pay, 3D Secure, and ACH Payments. We’ll also cover how to process payments, withdraw funds, and issue refunds.
X-Cart Pay FAQ
Now let’s address some common questions about this payment method.
🌎 Can everyone access X-Cart Pay?
🌎 Can everyone access X-Cart Pay?
Not yet. X-Cart Pay is currently available only to US-based merchants, but you can still accept payments from customers worldwide.
To use X-Cart Pay, you’ll need to meet certain terms and conditions.
✅ Does my X-Cart subscription include X-Cart Pay?
✅ Does my X-Cart subscription include X-Cart Pay?
Yes! X-Cart Pay is available in all X-Cart subscription plans. You can sign up through your X-Payment Dashboard if you're using X-Cart version 5.5 or later.
💸 What are the processing fees for X-Cart Pay?
💸 What are the processing fees for X-Cart Pay?
The fees vary by payment method (Credit / Debit Cards vs. ACH), transaction type (Payment, Refund, Return, Dispute), and additional services (e.g., 3DS).
No hidden fees or extra charges beyond what’s listed. You only pay per transaction.
🤔 Is X-Cart Pay the same as X-Payments?
🤔 Is X-Cart Pay the same as X-Payments?
No. X-Cart Pay is a payment method, while X-Payments is a tool to manage all payment methods you set up in your store, including X-Cart Pay.
🌟 What X-Payments features are supported by X-Cart Pay?
🌟 What X-Payments features are supported by X-Cart Pay?
Check the section below to learn which X-Payments features are supported by X-Cart Pay.
🚀 How long does it take to start using X-Cart Pay?
🚀 How long does it take to start using X-Cart Pay?
You can accept payments once your application is approved, usually within one business day.
NOTE: We don’t send notifications yet, so you'll need to manually check your status in X-Payments.
💳 Can I use other payment methods along with X-Cart Pay?
💳 Can I use other payment methods along with X-Cart Pay?
No, enabling X-Cart Pay disables other X-Payments methods, but you can set up some payment options outside X-Payments.
📅 When will I get paid?
📅 When will I get paid?
You’ll usually receive your funds within 1 business day.
All card payments made during the day are combined into a single payout, sent the next business day. ACH payments may take longer to process and could be included in a later payout.
🛡️ How Does X-Cart Pay Protect Against Fraud?
🛡️ How Does X-Cart Pay Protect Against Fraud?
X-Cart Pay uses real-time AI-powered fraud protection to keep transactions secure. It:
Tracks buying patterns and ensures the device and billing country match.
Screens for suspicious activity, like bots, IPs from sanctioned countries, black-listed emails, and risky card numbers.
Uses billions of transaction records as a reference to detect fraud and block high-risk payments.
X-Cart Pay aims to decline as few transactions as possible. However, if a payment is blocked, the reason will be provided in your payment report.
X-Cart Pay Features
X-Cart Pay works with most X-Payments features in your store, except for Google Pay, which will be available later this year.
X-Cart Pay Feature | Supported |
Automatic Payment ProcessingWhen an order is placed, the payment is authorized to confirm that customer has enough funds without charging them right away. Instead of manual capture or an instant sale, authorized funds are automatically charged at the end of the day. | Yes |
Voids and RefundsDepending on when the payment was processed, you can either void or refund it.
| Yes |
Automatic Transaction Screening If the system detects a suspicious transaction, it is declined immediately at checkout. | Yes |
Transaction Status Check your X-Cart Pay transaction status in real time from the X-Payments Dashboard:
| Yes |
Automatic Updates for Saved Payment Information If a customer selects "Use this card for future payments" during checkout, their card details, including expiration dates or card numbers, are securely stored in X-Cart Pay. To ensure you can charge the customer in the future, the Account Updater Service automatically checks and updates these details as needed. | Yes |
Test Merchant Account Check if the merchant account details entered in X-Payments Cloud are valid. | Yes |
Tokenization X-Cart Pay replaces sensitive card details with a unique token, allowing you to charge customers without exposing the their card information. | Yes |
3D-Secure Authenticate card holders via Cardinal Commerce, ideal for PSD2 compliance in the European Union. | Yes |
Fraud protection Automatically detect and prevent fraudulent transactions using AI-driven tools. | Yes |
Recurring payments Set up subscriptions for your products to automatically charge customers on a regular basis. | Yes |
ACH Payments Allow your customers to pay directly from their bank account with ACH. | Yes |
| Yes |
| Coming Soon |
Apple Pay Support
Google Pay Support
Can't find answers you're looking for?
Email us at support@x-cart.com. We will be happy to help!