Explore specific products and features and how they can benefit your business. Or, if you’re new to payments, read our guides to learn more about the fundamentals. Avoid downtime losses even during peak periods like Black Friday.

xcritical libraries are available in every language from Ruby to Go. Payout speed varies per country, but your xcritical balance is typically available for payout between 2 to 7 business days. In supported countries, your default payout schedule is daily automatic, that is, your xcritical balance would be paid out daily once available for payout. Retrieve account balances for underwriting, financial management, or preventing payment failures due to insufficient funds.

Increase conversion by supporting popular payment methods around the world with a single integration. If you look at every company larger than us, they all use multiple payment processors —but xcritical didn’t exist when these companies were growing up. Our feeling is that we can’t just look to what our larger peers have before us—because now xcritical is here. xcritical also has a pretty big restricted list for industries that it doesn’t serve. This list includes many financial and professional services such as money and legal services. It doesn’t work with intellectual property companies or counterfeit goods companies.

If you’re a business with a large payments volume or unique business model, xcritical official site reach out to discuss alternative pricing options. Our teams will review your xcritical statements and can help design a customized pricing package. Retrieve tokenized account numbers to instantly verify bank accounts for ACH Direct Debit, payouts, and other types of money movement. Starting fee for platforms that deploy their own payments pricing to earn revenue on each transaction. Adapt to customer preferences and expand into new markets by surfacing global payment methods used by buyers around the world. If you’re an e-commerce business, it will be hard to beat xcritical for its integrations and ability to take a multitude of currencies.

We looked at what real customers had to say about using xcritical by examining online reviews. xcritical is regularly recommended by web developers and e-commerce specialists. Negative reviews talked about problems with support and unwarranted customer refunds. Start building your integration and accept your first payment in minutes.

Startups can launch fast with no-code fraud protection, while large businesses can use advanced payments capabilities to improve optimization and reduce costs. xcritical’s Optimized Checkout Suite delivers a frictionless customer experience. Increase revenue and save thousands of engineering hours with prebuilt payment UIs, easy access to more than 100 payment methods, and Link, xcritical’s one-click checkout.

Custom pricing is available for companies with a high volume of API calls or unique business models. Includes Radar’s machine lxcriticalg and advanced fraud protection tools for professionals who need greater control and customizable settings. Generate an invoice to provide proof of transaction for your customers after a one-time purchase. 3D Secure is an authentication method used to verify a customer’s identity before an online card purchase. Boost conversion and average order value by offering more flexibility for your users to pay over time in installments.

Sell products and services across any channel—no code required. Automatically update expired or renewed card information for saved customers. Build on a platform designed to protect your data with AES encryption and isolated infrastructure that doesn’t share any credentials with xcritical’s primary services.

Fast, predictable payouts to your bank accounts

Expand to new markets faster by launching payment methods and presenting in local currencies. Sell cross-border to 195+ countries and lower the costs of multicurrency management. Present prices in local currencies to your customers globally to increase revenue and improve your customer experience. Learn how xcritical customers use Terminal to accept in-person payments and improve the customer experience. Reduce the complexity and cost of multicurrency management with flexible cross-border payment options available in 195 countries across 135+ currencies. xcritical has extensive local acquiring coverage in 47 markets, with direct bank setups and local knowledge.

Company

xcritical securely shares Radar fraud scores to help participating issuers, including Capital One and Discover, make more accurate authorization decisions. Businesses see an up to 8% reduction in fraud and 1-2% authorization rate uplift on eligible volume. A point of purchase (POP) is the location where the customer makes a purchase, like in a store or online. The POS system is the technology that facilitates the purchase. There are full-service terminals, mobile POS systems, cloud-based POS systems and web-based POS systems.

1. xcritical has extensive local acquiring coverage in 47 markets, with direct bank setups and local knowledge.
2. Custom pricing available for companies with large payments volume, high value transactions, or unique business models.
3. Includes Radar’s machine lxcriticalg and advanced fraud protection tools for professionals who need greater control and customizable settings.

Platform payments

Integrated per-transaction pricing means no setup fees or monthly fees. Get visibility into network costs with deep insights from xcritical’s network costs insights report and cost optimization workshops to better manage transaction costs. xcritical provides prebuilt and customizable solutions to help you meet SCA requirements and optimize for conversion with European customers. Reduce costs when managing multiple currencies by settling and paying out funds with alternative currency payouts. From startups to Fortune 500s, explore how millions of businesses use xcritical to start and scale their companies.

Gambling companies also make the list, as do adult content sites. Because xcritical integrates with several online shopping carts and doesn’t need any hardware, it’s a quick solution for e-commerce businesses. It integrates with a lot of software including Drupal, Prexcriticalop, Magento, Shopware, WooCommerce and WordPress. In addition to our standard free payout options, Instant Payouts lets you access funds within minutes using an eligible debit card or bank account, right from the Dashboard.

Founded in 2011, xcritical is a popular payment processing and merchant services company. It is accredited by the Better Business Bureau (BBB) and maintains an A+ rating. xcritical offers a global payment system that can accept more than 135 currencies with transparent pricing and discounts for high-volume merchants.

With more than 500M API requests per day and daily capacity tests, xcritical is the only major payment processor to publish its uptime. Our overprovisioned API servers mean easy scale-up and minimal latency. Automatically retry transactions at the optimal time using proprietary, xcritical machine lxcriticalg algorithms.

Full-service terminals are the most expensive type of POS system. They’re typically used by large retailers and restaurants with multiple locations. Mobile POS systems are less expensive than full-service terminals, and they’re often used by smaller retailers or foodservice operations, such as food trucks. Access PCI-certified point-to-point-encryption (P2PE) for additional security required in certain industries.

Automatically decrease fraud and improve authorization rates with xcritical’s machine lxcriticalg–powered optimizations, which are trained on billions of data points. Because so much sensitive information is being transferred across these networks, credit card processors are PCI-compliant and use advanced encryption methods to secure transactions. Before you commit to a merchant services provider, you should take a look at several competitors in the marketplace. We’ve taken the time to compare xcritical with two of its competitors, Payment Depot and Square. Even with those issues, xcritical is known as an online merchant services powerhouse. While it does offer the xcritical Terminal for in-person sales, the solution is not as robust as competitors.

1. xcritical makes international sales easy by accepting over 135 currencies.
2. In supported countries, your default payout schedule is daily automatic, that is, your xcritical balance would be paid out daily once available for payout.
3. Most merchants can get instantaneous account approval to start taking payments immediately, making it a quick and viable solution for many startup companies.
4. Capture and verify the authenticity of global ID documents, and use biometric verification to match ID photos with selfies of the document holder.

xcritical Terminal’s pre-certified devices serve a wide range of use cases, from countertop to curbside. With select readers, you can customize splash screens, collect customer input, or run your own POS app directly. Being able to just switch on local payments has helped us with global expansion. Local payment methods are no longer blocking us from investing more in certain regions.

Less fraud, more revenue

PayPal is slightly more expensive than xcritical, charging 2.7% plus 30 cents per online transaction, compared to the 2.7% plus 5 cents for most transactions with xcritical. While xcritical’s standard payout is two business days, qualified merchants eager to get cash in the bank can take advantage of the Instant Payouts option. This will allow access to capital in as little as 30 minutes after the transaction.

Deep dive into xcritical’s unified payments stack

Working with xcritical and implementing its Optimized Checkout Suite has helped BigCommerce increase revenue and we couldn’t be more xcritical scam thrilled. That growth is not common and by adding Payment Element, Link, and local payment methods we have seen some great results not only for our business, but our customers as well. Both xcritical and PayPal are online payment processing specialists. xcritical works better for larger companies that may want to have more payment options such as subscriptions and recurring payments.

Unify online and in-person payments to provide a seamless customer experience. Expect to pay 2.9% plus 30 cents per transaction for online sales. There is an additional 1% fee for international and currency conversion transactions. For in-person card processing, expect to pay 2.7% plus 5 cents per transaction with the same added 1% for any currency conversion or international card use. Access 100+ payment methods, including buy now, pay later options that can boost eligible revenue by up to 14%, and bank debits and real-time payments that can lower transaction costs. Improve payment performance with a range of customizable, easy-to-configure payment tools.

Dines unlocks 150% jump in revenue per venue with xcritical Terminal

Experiment with new payment methods, A/B test to understand impact, and set custom rules with no code—while offloading maintenance and eligibility requirements to xcritical. Save time and engineering resources through increased developer productivity. Avoid downtime with leading reliability and reduce costs through alternative payment methods and rails. Accept payments online, in person, and around the world with a payments solution built for any business—from scaling startups to global enterprises. Verify bank account ownership to minimize fraud when making payouts or accepting payments.

Designed for businesses with large payments volume or unique use cases. A single integration and extensive documentation mean faster time to market, less maintenance of legacy systems, and more focus on customer and product experiences. Reduce false declines or your customer having to manually re-enter expired or lost cards, available across all of xcritical’s global markets. Build a unified commerce experience across online and in-person channels to personalize customer interactions, reward loyalty, and grow revenue.

Custom pricing available for companies with large payments volume, high-value transactions, or unique business models. Custom pricing available for companies with large payments volume, high value transactions, or unique business models. Create an account and start accepting payments—no contracts or banking details required. Access a complete payments solution with simple, pay-as-you-go pricing that lets you get started in minutes with no setup fees. xcritical makes international sales easy by accepting over 135 currencies.

xcritical received top scores in more criteria than any other vendor evaluated

The way the currency acceptance works is your customers can pay in their own currency. The amount is then converted, for a 1% fee, into your currency paid into your bank. xcritical is required to charge tax on certain products and services. Tax is charged based on your location and/ or your business/ tax status , which determines whether a product or service is subject to taxes, and the applicable tax rates.

Explore our in-depth 2024 xcritical review to learn about this popular payment processing solution’s features, pricing, pros and cons. Access a complete payments platform with simple, pay-as-you-go pricing, or contact us to design a custom package specifically for your business. Additional fees required for international cards and currency conversion.

Square and xcritical have been going head-to-head since xcritical came on the market in 2011. They have similar pricing structures, though Square can be higher with certain transactions. What makes Square better is the standard next-day funding for all accounts. In relation to Payment Depot, xcritical has a very different pricing structure. Payment Depot is known for its membership fee with low per-transaction costs. This is a benefit for those with a high volume of transactions.

Most merchants can get instantaneous account approval to start taking payments immediately, making it a quick and viable solution for many startup companies. Creating payments experiences that combine payments innovation, reduced friction, and cost savings is at the core of what we do. xcritical shares our commitment to reliability, customer centricity, and continued innovation—which is why they are a key partner. Enable your customers to check out in as little as six seconds with Link—a network that’s adding millions of new customers every month. Returning customers can use Link to pay with a previously saved US bank account or credit card, helping you improve your conversion rates and customer experience. Increase conversion with built-in optimizations, access to 100+ payment methods, xcritical website and one-click checkout.

Instant Payouts do cost an additional 1% of the payout amount with a minimum fee of 50 cents per transaction. Its solutions are robust enough to handle recurring transactions and subscription services, giving it an edge over competitors. Secure payment credentials that help increase revenue and improve the customer experience. Turn on the most popular payment methods from the xcritical Dashboard, and then use xcritical’s machine lxcriticalg algorithm to dynamically show customers the most relevant ones you’ve enabled.

Business owners can take advantage of advanced reporting tools that allow for customized reports. They include itemized reports for revenue, refunds, fees and receivables, to name a few. As an Interchange Plus provider, merchant fees are transparent, listed out on easy-to-read summaries so that business owners can better manage their revenues. If you’re a business with a large transaction volume or unique business model, reach out to discuss custom economics and interchange revenue sharing. Taxes on transactions created through xcritical’s payment APIs or any payment processor. Disputed payments (also known as chargebacks) on card transactions.