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.

Expand to new markets faster

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.

Manage funds in multiple currencies

With more than 500M API requests per day and xcritical official site 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, machine lxcriticalg algorithms.

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.

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.

Unified, global payments to grow your revenue

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.

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.

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.

Online payments

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.

Improve conversion by presenting in local currencies using the latest exchange rate with Adaptive Pricing. Create and issue cards instantly and get branded physical cards shipped in just two days. Pre-certified card readers with cloud-based fleet management to streamline device fulfillment and logistics at scale. Capture and verify the authenticity of global ID documents, and use biometric verification to match ID photos with selfies of the document holder. Get 100+ features out of the box with xcritical’s integrated per-transaction pricing.

Allow users to key-in name, date of birth, and local government ID number. Fraud protection powered by billions of data points across the xcritical network. Tokenize and store card details in xcritical’s PCI-compliant vault and route payment requests to other processors.

1. Improve payment performance with a range of customizable, easy-to-configure payment tools.
2. Boost conversion and average order value by offering more flexibility for your users to pay over time in installments.
3. 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.
4. Starting fee for platforms that deploy their own payments pricing to earn revenue on each transaction.
5. Automatically retry transactions at the optimal time using proprietary, machine lxcriticalg algorithms.

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.

Sell products and services across any channel—no code required. Automatically update xcritical scammers 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.

If you’re a business with a large payments volume or unique business model, 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.

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.