⚠️ Requires: - X-Cart 5.5.1 or later. - X-Payments Cloud Connector 5.5.1.7 |
In previous articles, we covered what X-Cart Pay is and how to set it up. Here, we'll show you how to process payments, withdraw funds, and what the payment experience looks like for customers.
Processing Payments
X-Cart Pay processes payments automatically once an order is placed in your store. Both payment authentication and capture (the actual charge) occur instantly.
Viewing Payments
To view the transactions made with X-Cart Pay:
Go to the Payments section in your X-Payments Dashboard.
Click Advanced Search.
Select X-Cart Pay in the Payment Configuration.
Click Search Payments.
Select the desired payment to open it.
Click the latest ID in the Transaction List to view X-Cart Pay Payment details.
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Payment statuses
Each payment has a specific status, which can be viewed on the X-Cart Pay payment details page:
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You can find 5 different payment statuses here:
| Payment was approved, but is not yet available for withdrawal. |
| Payment and was successfully sent to your bank account. |
| Payment was refunded with a fee. |
| Payment was voided without a fee. |
| Payment is flagged for fraud review. |
Issuing Refunds
There are two ways to issue a refund:
Using the refund button in the X-Payments Dashboard.
Through your X-Cart Pay account.
Let’s walk through how to issue a refund using your X-Cart Pay account.
Steps
In your X-Payments, go to Payments.
Select the required payment to open it's details.
Click the latest ID in the Transaction List to view X-Cart Pay Payment details.
Click Refund.
Select a refund reason (Duplicate, Fraudulent, Requested by customer).
To process partial refund – enter the amount you want to refund.
Click Refund to complete the process.
After that, the payment will either be cancelled or refunded.
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Refund Types: Cancellation vs. Refund
X-Cart Pay allows payments to be returned in two ways: Cancellations and Refunds.
The key difference is that cancellations are free of charge, while refunds incur a fee, which will be deducted from your deposit.
Cancellations: You can cancel a payment without incurring a fee if it’s done on the same day the payment is received or as long as its status remains Processing. Please note that payments can only be canceled in full, so the refund amount cannot be adjusted on step 6.
Refunds: Once the payment status changes from Processing to Succeeded, the payment will appear as a payin in your deposit report. At this point, the funds have been transferred to your bank account. If you choose to refund the payment now, a fee will be applied.
After the refund is processed, the payment status will change from Succeeded to either Refunded or Canceled.
Withdrawing Funds (Deposit Report)
Withdrawals are processed automatically as grouped payouts called Deposits, which are sent daily to the bank account you set up during onboarding.
The Deposits include customer payments from the previous day, minus chargebacks, returns, fees, and adjustments.
To view your Deposits:
Go to Store › Payment Methods.
Click Settings next to X-Payments Cloud.
Select X-Cart Pay under Payment Processing.
On the next page, click Deposit Report.
Select any deposit to view detailed information about payments (payins), fees, refunds, adjustments (3DS Attempt Fee) and other transactions.
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🔄 To update the deposit report list, click Refresh.
Deposit Statuses
If funds are available for withdrawal, a Deposit will be created the following day with the Processing status.
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If the deposit is flagged for risk review, it will have the In Review status.
Once processing is complete and the funds are sent to your bank, the status will change to Succeeded . If the deposit is unsuccessful, it will be flagged as Failed .
How Long Does It Take for Payment to Withdraw?
By default, payouts are processed daily, but the timing varies depending on the payment method:
Card payments are sent to your bank account the next banking day.
ACH payments take 4 banking days to process and will appear in the Deposit Report on the day they're ready for payout.
For example, a card payment made on Friday will be deposited on Monday, while an ACH payment made on Friday will be deposited the following Thursday.
⌛ If you’d like to withdraw funds from your X-Cart Pay account on a weekly or monthly basis to reduce commissions and fees, please contact us.
Exporting Deposit History
To export your payout activity as a CSV file from the Deposit Report:
Select any deposit to open its detailed view.
Click Export.
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The CSV file you download will contain:
Date and time of each payment.
Transaction type (payin, refund or void) and Payment method.
Customer name.
Payment amount, fees, and net amount you receive after deductions
📚 What are Payins?
That's are payment that are already transferred from your customers to you.
Customer Experience
Paying with X-Cart Pay is similar to any other X-Payments methods:
At checkout, select Credit or Debit Card by X-Payments.
In the pop-up window, choose one of the options:
New Card
Use Apple Pay, add a new credit card (and save it), or pay via ACH.Saved Cards
Pay with a saved card.
Accept Terms & Conditions and click Place Order.
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Can't find answers you're looking for?
Email us at support@x-cart.com. We will be happy to help!