IXOPAY
IXOPAY provides payment orchestration, tokenization and payments intelligence for merchants and fintechs.
What IXOPAY is
IXOPAY provides payment orchestration, tokenization and payments intelligence for merchants and fintechs. It connects to more than 200 payment providers and 300 payment methods through one API integration. Its adapters link to acquirers, processors, gateways and third-party tools such as CRM, ERP and SMTP services. Supported channels include online, mobile, point-of-sale, hosted payment pages and server-to-server transactions. Smart transaction routing and strategic retries are designed to improve conversion and recover declined payments. The platform automates reconciliation and reporting and provides shareable insights for finance, product and operations teams. Universal Tokens use one format across multiple payment service providers. IXOPAY lists ISO 27001, SOC 3 and PCI DSS attestations for its tokenization and orchestration platforms, and states that it complies with GDPR. It also offers a white-label solution for ISOs, PSPs, banks, ISVs and payment facilitators. The Developer Hub provides guides, an API explorer and reference, and operating guides. Cloud deployment is supported, with Android, iOS, web and API access.
Good
- Connects to 200+ providers and 300+ methods
- One API integration
- Automates reconciliation and reporting
- Free sandbox access for tokenization evaluation
Watch out
- No free plan
- Full pricing requires contacting IXOPAY
Who it suits
IXOPAY suits merchants and fintechs coordinating payment providers, methods and operations. Its white-label offering is designed for ISOs, PSPs, banks, ISVs and payment facilitators.
Verdict
IXOPAY brings payment connections, routing, tokenization and reconciliation into a cloud platform. Organizations should confirm full pricing and whether its integration model fits their payment setup.
Plans and prices
From IXOPAY's own pricing page, checked 7 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| IXOPAY plans | $1,000 a month | Starting price; full pricing requires contacting IXOPAY · Plans starting at $1000/Month |
| Plans starting at | $1,000 a month | Universal Tokens · sandbox access by request · starting at |
The facts
Each one read from IXOPAY's own pages, with the date it was checked.
What it does
- Adapters
- IXOPAY advertises more than 500 pre-built payment adapters.checked 14 Oct 2026
- AI analytics
- IXOPAY says its AI analyzes payment events to detect anomalies, improve authorization, find fee savings and provide predictive analytics.checked 14 Oct 2026
- API security
- The Transaction API uses HTTPS JSON, TLS 1.2 or newer, Basic Authentication and optional signature and date headers.checked 14 Oct 2026
- Checkout options
- Checkout integrations include mobile SDKs, hosted payment pages, server-to-server APIs and Payment.js hosted fields.checked 14 Oct 2026
- Developer documentation
- The Developer Hub contains getting-started guides, recipes, API references, an in-browser API explorer, user manuals and module documentation.checked 14 Oct 2026
- Developer resources
- The Developer Hub provides guides, recipes, an API explorer, API reference, and operating guides.checked 7 Oct 2026
- Encryption and access
- The security page says customer data is encrypted in transit and at rest, with multifactor authentication, audit logging and least-privilege access.checked 14 Oct 2026
- Hosting model
- IXOPAY describes its service as SaaS; the documentation describes browser-based access and does not document customer self-hosting.checked 14 Oct 2026
- Independent business limit
- Partnerkin says IXOPAY has no consumer wallet or cash network and that settlement occurs directly between merchants and underlying PSPs or acquirers.checked 14 Oct 2026
- Independent product description
- Partnerkin describes REST and mobile APIs, smart routing, cascading, reconciliation, 200 PSP connectors and 300 payment methods.checked 14 Oct 2026
- Intelligent routing
- Routing rules can use geography, transaction type, customer or card history, risk and provider conditions, with retries, fallback and load balancing.checked 14 Oct 2026
- ISO certification date
- An IXOPAY ISO 27001:2022 certificate was issued on June 26, 2026 and is stated to expire April 1, 2027.checked 14 Oct 2026
- Limit: authentication
- Some G2 reviewers describe password resets and development-region two-factor login as cumbersome.checked 14 Oct 2026
- Limit: public pricing
- GetApp shows no pricing information, free version or free trial for IXOPAY.checked 14 Oct 2026
- Limit: reporting
- G2 reviewers report difficulty creating customer-specific monthly reports and say some history is limited to about 30 days.checked 14 Oct 2026
- Limit: Trustpilot complaint
- The sole Trustpilot reviewer alleged that scammers used IXOPAY and that support ignored or closed requests; this is an unverified individual allegation.checked 14 Oct 2026
- Notable news
- IXOPAY announced an Agentic Suite launch on September 8, 2026.checked 14 Oct 2026
- Operations
- The platform automates reconciliation and reporting and provides shareable insights across finance, product, and operations teams.checked 7 Oct 2026
- Payment connections
- The platform connects to 200+ payment providers and 300+ payment methods through one API integration.checked 7 Oct 2026
The company
- Company founding
- LinkedIn lists IXOPAY as founded in 2014 and employing 201–500 people.checked 14 Oct 2026
- Company history
- IXOPAY's history page says its founding IXOLIT business began in Vienna in 2001.checked 14 Oct 2026
- Company legal entity
- The legal entity is IXOPAY GmbH, with a listed address in Vienna, Austria.checked 14 Oct 2026
- Founded
- 2014checked 28 Sep 2026
- Ownership news
- Crunchbase lists IXOPAY as acquired by TokenEx.checked 14 Oct 2026
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