X-Cart can be integrated with X-Payments, a PSD2/SCA ready all-in-one secure credit card processing solution for webshops. Using X-Cart with X-Payments will enable you to process and store credit cards right on your website, as well as accept recurring payments and reorders. In addition, X-Payments take the PCI DSS burden off your shoulders.
For the list of payment methods that you can add to your X-Cart store with X-Payments, see here:
To use X-Cart with X-Payments, you require an X-Payments account and the following X-Cart add-ons:
If using X-Payments Cloud:
If using X-Payments v1.x-3.x: