# Xpay Reviews
**Vendor:** Xpay  
**Category:** [Payment Processing Software](https://www.g2.com/categories/payment-processing)
## About Xpay
Payments simplified for high risk merchant payments accounts.






- [View Xpay pricing details and edition comparison](https://www.g2.com/products/xpay/reviews?section=pricing&secure%5Bexpires_at%5D=2026-05-17+08%3A09%3A16+-0500&secure%5Bsession_id%5D=ace3eeff-f12a-457e-b2ec-c9804913931f&secure%5Btoken%5D=3fe3d5f092484dd8a78c2ca06015f1196f458b4756ac35896ec01b6c13b1d5f2&format=llm_user)

## Xpay Features
**Payment Options**
- Coupons, Discounts, Promotions, and Gift Cards
- Recurring Billing
- Instant Payment
- Accepted Credit Cards and Debit Cards
- ACH Payments and eCheck Processing
- Split Payments
- Real-Time Payments
- Multi-Currency
- Online payment portal

**Payment Processing**
- Encryption
- Credit Card Processing
- Mobile Payments
- Digital Wallet Integration

**Administration**
- Reporting/Dashboards
- User, Role, and Access Management
- Payout Time
- Manual Payment Entry
- Dispute Resolution
- Omnichannel
- Levels 1 & 2
- Level 3

**Administration**
- Reporting & Analytics
- E-commerce Integration
- Processing Fees
- POS Integration
- Omnichannel
- Levels 1 & 2
- Level 3

**Security**
- PCI Compliance
- Fraud Protection Tools
- Data Tokenization
- Two-Factor Authentication
- POS Verification

**Payment Options**
- Multi-Currency
- Online payment portal

**Development**
- Customization (Fields, Objects, and Layouts)
- APIs
- Accounting Software Integration
- E-Commerce Software Integration

**Security**
- POS Verification

**Platform**
- Performance and Reliability
- Internationalization - Currency/Language
- Internationalization - Operating Country
- API / Integrations
- PCI Regulation Compliance
- Supplemental Technology
- Accounting integration
- E-commerce Integration

**Platform**
- Accounting integration
- E-commerce Integration

**Agentic AI - Payment Gateways**
- Autonomous Task Execution
- Cross-system Integration
- Decision Making

## Top Xpay Alternatives
  - [PayPal Payments](https://www.g2.com/products/paypal/reviews) - 4.4/5.0 (2,675 reviews)
  - [Payoneer](https://www.g2.com/products/payoneer/reviews) - 3.2/5.0 (359 reviews)
  - [Birdeye](https://www.g2.com/products/birdeye/reviews) - 4.7/5.0 (3,930 reviews)