BR-DGE vs IXOPAY

BR-DGE is a payment orchestration platform that connects businesses with payment services through a single API. Its modular services include Integrate, Connect, Optimise, Vault, Insights and White Label. Optimise lets businesses build payment workflows and route transactions by rules such as currency, value or provider priority; automatic retries are supported. Insights provides live reports on payment successes and failures, performance, acquiring rates and volumes. Vault offers centralised PCI-compliant tokenisation, including a universal token merchants can use to direct card payments to different providers. The company says the platform has more than 400 connections across payment providers, fraud tools and alternative payment methods. Integration choices include a hosted payment page, web, Android or iOS SDKs, and a REST API. BR-DGE describes itself as a PCI Level 1 certified service provider with a SOC 2 Type 2 attestation, both renewed annually, and says its multi-cloud, multi-region architecture can switch servers automatically. It is based in Edinburgh and was founded in 2018. Pricing is on request.

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.