⚠️ 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 (without manual capture), but not as an instant sale. Here’s what happens from order to payout:
Step 1: | The payment is checked for available funds and passes security checks when the order is placed. |
Step 2: | The customer is charged and the deposit report is generated — usually within a day for cards, or a few days for ACH. |
Step 3: | Once captured, the funds are transferred to your bank account. |
Viewing payment history
To view the transactions made with X-Cart Pay:
Go to Store › Payment Methods › X-Payments Cloud › Settings.
On the Payment Processing page, select X-Cart Pay.
On the Payment configuration details page, click Payment Report.
Select a payment from the list to view details, including the customer’s name, payment method, amount, fees, net to merchant, status, and transaction ID.
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Searching and organizing payments
In Payment Report you can filter the transaction that match specific criteria or sort them by amount, date, or other details. Additionally, you can find related transactions, such as the original payment and refund.
Filtering Payments
Filtering Payments
Hover over the column you want to filter (for example, Status).
Click the three-line icon
to open the filter menu.In the dropdown, select the filters you need (such as Cancelled and Failed).
Click Apply.
To clear the filters: Click the three-line icon again and select Reset.
Note: A funnel icon 
will appear on any column with an active filter. You can apply filters to multiple columns at the same time.
Sorting Payments
Sorting Payments
Hover over the column title you want to sort (for example, Amount).
Click once — the arrow will point up
, sorting in ascending order.Click again — the arrow will point down
, sorting in descending order.Click a third time to clear the sorting.
Searching for Original Payments That Were Refunded
Searching for Original Payments That Were Refunded
Click on the
Refundpayment to view its details.Under Related Info › Payin, click the Transaction ID to see the original payment the refund was issued for.
Payments that have a related action (like a refund) will show a return 
icon next to them.
Payment statuses
Each X-Cart Pay transaction can have one of the following statuses:
| Payment is approved but not yet available for withdrawal. |
| Payment has been sent to your bank account. |
| Payment was refunded with a fee. |
| Payment was voided without a fee. |
| Payment is flagged for fraud review. |
The payment status is visible on the X-Cart Pay payment details page:
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Issuing refunds
On the Payment Configuration Details page, click Payment Report.
Select the payment you need to open its details.
Click Refund, then select a refund reason (e.g., Duplicate, Fraudulent, Requested by customer).
For a partial refund, enter the amount you want to refund.
Click Refund to complete the process.
Note: You can also do refunds using the X-Payments Dashboard.
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Afterward, the payment will be either Cancelled or Refunded, depending on when the refund is processed:
Cancelled | You can cancel the full payment free of charge on the same day it’s received, as long as its status is Processing. |
Refunded |
Chargebacks and how to dispute them?
A chargeback occurs when a customer asks their bank to reverse a payment instead of requesting a refund from you. If the bank approves the chargeback, the money is taken from your account and given back to the customer.
Disputing a chargeback means providing evidence to prove the transaction was valid. This guide answers common questions and shows you how to respond:
When Can a Customer Request a Chargeback?
When Can a Customer Request a Chargeback?
Chargebacks can be initiated within 180 days of the original payment, but the timeline depends on the bank and the reason for the dispute.
Is There a Fee?
Is There a Fee?
Once the transaction receives inquiry or chargeback processing status, a $20 fee is temporarily charged. Which will be refunded if you win the dispute.
How Long Does It Take to Resolve?
How Long Does It Take to Resolve?
The whole process usually takes 45–90 days. We’ll contact you if we need evidence, and you’ll have 7–10 days to respond each time. The faster you reply, the better your chances. Once your evidence is in, the bank can take up to 50 days to make a decision.
What Happens at Each Stage of a Chargeback?
What Happens at Each Stage of a Chargeback?
First, the customer (or their bank) may open an inquiry to verify whether you had the right to charge the customer. You will be charged a small fee here, which we refund if the bank confirms the transaction is valid
If unresolved, chargeback becomes a dispute . At this point the customer’s money is withdrawn from your account while the bank reviews the evidence you provide.
If you win, the funds and the original fee are returned; if not, the money goes to the customer.
How You’ll Be Notified About a Chargeback?
How You’ll Be Notified About a Chargeback?
We’ll email you immediately with updates and clear instructions on what documents to provide, like invoices or proof of delivery.
What to Do When You Get a Chargeback Request?
What to Do When You Get a Chargeback Request?
Follow the steps we send you and share the requested documents within 7–10 days to resolve it quickly. If you don’t respond and the case isn’t escalated within 50 days, you automatically win. But if it moves to dispute and you don’t reply, the funds will be withdrawn from your account.
Getting Paid with X-Cart Pay
X-Cart Pay combines your daily sales into a single payout, called a Deposit.
Each deposit includes the total amount you received that day — minus any deductibles, like chargebacks, returns, fees, or adjustments.
Deposits are sent to your bank account once per business day. When the funds become available depends on the payment method:
Card payments usually arrive the next business day.
ACH payments take about 4 business days.
Sales made on weekends or holidays will be processed the next banking day. For a full breakdown of your payouts, check the Deposit Report.
📋 For example:
A card payment on Friday will be deposited on Monday.
An ACH payment on Friday will be deposited on Thursday.
Accessing Deposit Report
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 Payment Processing page, click Deposit Report.
Click on any deposit from the list to see details on payments ( payins ), fees, refunds, adjustments (e.g., 3DS Attempt Fee), and other transactions.
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📚 What are Payins?
That's are payment that are already transferred from the customers to you.
Deposit statuses
Just like Payments, Deposits have there own 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 .
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
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.
Accept the Terms & Conditions.
Choose New Card to enter card or ACH details, or select a Saved Card.
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!