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IXOPAY

ixopay.com

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Spec score 8.8 #1 of 23 in Payment Hub Software

What it is

IXOPAY provides payment orchestration, tokenization, and payments intelligence for merchants and fintechs. One API integration connects to more than 200 payment providers and 300 payment methods. Adapters connect to acquirers, processors, gateways, and third-party tools such as CRM, ERP, and SMTP services. Supported payment channels include online, mobile, point-of-sale, hosted payment pages, and server-to-server. Smart transaction routing and strategic retries are intended to improve conversion and recover declined payments. The platform automates reconciliation and reporting, with shareable insights for finance, product, and operations teams. Universal Tokens use a common 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, recipes, an API explorer and reference, and operating guides. The cloud platform supports Android, iOS, web, and API access. A sandbox is available at no cost for evaluating tokenization. Plans start at $1,000 a month; full pricing requires contacting IXOPAY.

Spec sheet

What it does
IXOPAY provides enterprise payment orchestration, tokenization and payment-intelligence infrastructure.Read 14 Oct 2026 · ixopay.com
Product
IXOPAY provides enterprise-grade payment orchestration, tokenization, and payments intelligence.Read 7 Oct 2026 · ixopay.com
Security
IXOPAY lists ISO 27001, SOC 3, and PCI DSS attestations for its tokenization and payment orchestration platforms.Read 7 Oct 2026 · ixopay.com
Privacy
IXOPAY states that it is compliant with the General Data Protection Regulation (GDPR).Read 7 Oct 2026 · ixopay.com
Founded
2014Read 28 Sep 2026 · ixopay.com
Adapters
IXOPAY advertises more than 500 pre-built payment adapters.Read 14 Oct 2026 · ixopay.com
AI analytics
IXOPAY says its AI analyzes payment events to detect anomalies, improve authorization, find fee savings and provide predictive analytics.Read 14 Oct 2026 · ixopay.com
API security
The Transaction API uses HTTPS JSON, TLS 1.2 or newer, Basic Authentication and optional signature and date headers.Read 14 Oct 2026 · documentation.ixopay.com
Checkout options
Checkout integrations include mobile SDKs, hosted payment pages, server-to-server APIs and Payment.js hosted fields.Read 14 Oct 2026 · ixopay.com
Company founding
LinkedIn lists IXOPAY as founded in 2014 and employing 201–500 people.Read 14 Oct 2026 · linkedin.com
Company history
IXOPAY's history page says its founding IXOLIT business began in Vienna in 2001.Read 14 Oct 2026 · ixopay.com
Company legal entity
The legal entity is IXOPAY GmbH, with a listed address in Vienna, Austria.Read 14 Oct 2026 · ixopay.com
Developer documentation
The Developer Hub contains getting-started guides, recipes, API references, an in-browser API explorer, user manuals and module documentation.Read 14 Oct 2026 · documentation.ixopay.com
Developer resources
The Developer Hub provides guides, recipes, an API explorer, API reference, and operating guides.Read 7 Oct 2026 · documentation.ixopay.com
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.Read 14 Oct 2026 · ixopay.com
Hosting model
IXOPAY describes its service as SaaS; the documentation describes browser-based access and does not document customer self-hosting.Read 14 Oct 2026 · ixopay.com
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.Read 14 Oct 2026 · partnerkin.com
Independent product description
Partnerkin describes REST and mobile APIs, smart routing, cascading, reconciliation, 200 PSP connectors and 300 payment methods.Read 14 Oct 2026 · partnerkin.com
Intelligent routing
Routing rules can use geography, transaction type, customer or card history, risk and provider conditions, with retries, fallback and load balancing.Read 14 Oct 2026 · ixopay.com
ISO certification date
An IXOPAY ISO 27001:2022 certificate was issued on June 26, 2026 and is stated to expire April 1, 2027.Read 14 Oct 2026 · ixopay.com
Limit: authentication
Some G2 reviewers describe password resets and development-region two-factor login as cumbersome.Read 14 Oct 2026 · g2.com
Limit: public pricing
GetApp shows no pricing information, free version or free trial for IXOPAY.Read 14 Oct 2026 · getapp.com
Limit: reporting
G2 reviewers report difficulty creating customer-specific monthly reports and say some history is limited to about 30 days.Read 14 Oct 2026 · g2.com
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.Read 14 Oct 2026 · de.trustpilot.com
Notable news
IXOPAY announced an Agentic Suite launch on September 8, 2026.Read 14 Oct 2026 · ixopay.com
Operations
The platform automates reconciliation and reporting and provides shareable insights across finance, product, and operations teams.Read 7 Oct 2026 · ixopay.com
Ownership news
Crunchbase lists IXOPAY as acquired by TokenEx.Read 14 Oct 2026 · crunchbase.com
Payment connections
The platform connects to 200+ payment providers and 300+ payment methods through one API integration.Read 7 Oct 2026 · ixopay.com
Payment volume
The company says its platform orchestrated $171 billion in payments during 2025.Read 14 Oct 2026 · ixopay.com
Praise: support
G2 reviewers frequently describe support as responsive, fast and communicative.Read 14 Oct 2026 · g2.com
Praise: tokenization
G2 reviewers repeatedly praise the hosted iframe and token vault for keeping card data out of their environment and reducing PCI scope.Read 14 Oct 2026 · g2.com
Pricing model
The official site displays plans starting at $1000 per month and directs prospective customers to request sandbox access; it does not publish a complete plan price list.Read 7 Oct 2026 · ixopay.com
Provider coverage
Its orchestration platform connects to more than 200 acquirers and 300 payment methods through one API.Read 14 Oct 2026 · ixopay.com
Public APIs
Documented APIs include Transaction, batch-upload, Push, Pay-by-Link and enterprise PCI, customer-profiles, reconciliation, settlement and provisioning APIs.Read 14 Oct 2026 · documentation.ixopay.com
Rating on G2
4.6 out of 5 from 17 reviews.Read 14 Oct 2026 · g2.com
Rating on GetApp
0 out of 5 from 0 reviews; feature, ease-of-use, value and support scores are also 0.0.Read 14 Oct 2026 · getapp.com
Rating on Trustpilot
3.2 out of 5 from 1 review.Read 14 Oct 2026 · de.trustpilot.com
Rating on TrustRadius
8 out of 10 from 3 reviews in both the mid-sized and enterprise category views.Read 14 Oct 2026 · trustradius.com
Reconciliation
The reconciliation module normalizes different provider formats and helps resolve fee, missing-transaction and unidentified-transaction discrepancies.Read 14 Oct 2026 · ixopay.com
Risk controls
Risk profiles support thresholds, scores, allowlists, blocklists and accept, block or hold decisions using transaction, location and behavior data.Read 14 Oct 2026 · ixopay.com
Routing
Smart transaction routing and strategic smart retries are features for improving conversion and recovering declined payments.Read 7 Oct 2026 · ixopay.com
Sandbox
IXOPAY offers free sandbox access to evaluate its tokenization capabilities.Read 7 Oct 2026 · ixopay.com
SDK licences
IXOPAY's public GitHub organization lists MIT-licensed PHP, Android, iOS and Swift SDK repositories plus Java and ecommerce extensions.Read 14 Oct 2026 · github.com
Security certifications
IXOPAY lists PCI DSS Level 1 service-provider status, ISO/IEC 27001:2022, SOC 2 and SOC 3 reporting, GDPR compliance and CSA STAR participation.Read 14 Oct 2026 · ixopay.com
System requirements
The administrative interface works in common desktop and mobile browsers, although mobile devices have limited administrative functions.Read 14 Oct 2026 · documentation.ixopay.com
Tokenization
Universal Tokens use a single token format across multiple payment service providers.Read 7 Oct 2026 · ixopay.com
Universal Tokens
Universal Tokens store and forward payment data across channels and providers, supporting portable card-on-file tokens and PCI, PII and PHI data.Read 14 Oct 2026 · ixopay.com
Who it serves
IXOPAY describes its customers as merchants and fintechs and says its white-label solution is designed for ISOs, PSPs, banks, ISVs, and payment facilitators.Read 7 Oct 2026 · ixopay.com

Plans and prices

IXOPAY plans $1,000 a month Plans starting at $1000/Month Starting price; full pricing requires contacting IXOPAY Read 7 Oct 2026 · ixopay.com
Plans starting at $1,000 a month starting at Universal Tokens · sandbox access by request Read 14 Oct 2026 · ixopay.com

Every IXOPAY plan and price →

Strong points and limits

Strong points

  • Connects to 200+ providers and 300+ payment methods.
  • Automates reconciliation and reporting.
  • Universal Tokens use one format across providers.
  • Free sandbox access for tokenization evaluation.

Limits

  • No free plan is available.
  • Plans start at $1,000 a month.
  • Full pricing requires contacting IXOPAY.

Who it suits

IXOPAY is intended for merchants and fintechs managing payments across providers and channels. Its white-label solution is designed for ISOs, PSPs, banks, ISVs, and payment facilitators.

Verdict

IXOPAY brings provider connections, routing, tokenization, and reporting into a cloud payment platform. Buyers should note that full pricing is available only on request.

Where Specifiction places it

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