Cybersource vs IXOPAY

Cybersource Global Payment Gateway processes online credit and debit card payments for merchants worldwide. Founded in 1994, it connects to more than 200 acquirers and processors across over 160 countries and territories and accepts payments in more than 50 currencies. Supported methods include credit and debit cards, digital wallets, eWallets, bank transfers, installment payments and direct debit. Merchants can embed secure checkout, redirect customers to a hosted checkout page or use Microform for card entry. Sensitive payment data can bypass the merchant network and be vaulted in secure Visa data centers. Cybersource identifies itself as a certified Level 1 PCI Service Provider. Fraud tools use machine learning and artificial intelligence, with models that can update as market trends change. APIs, SDKs, client libraries, testing guides, sandbox testing and sample code support integration. The gateway lists recurring and marketplace payments and runs on Android, iOS, web and API platforms. Pricing is available 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.