Gr4vy vs IXOPAY

Gr4vy is a cloud payment orchestration platform for merchants and payment platforms. The company says it connects to more than 400 payment methods and anti-fraud providers through one integration. Users can set no-code rules for routing, retries, and payment workflows, and tailor checkout options to factors such as region, currency, or cart contents. Gr4vy for Platforms offers a white-label way to manage sub-merchants through a single integration. Payment channels include cards, digital wallets, BNPL, bank-to-bank transfers, gift cards, and local payment methods. Documentation describes web payments, native iOS and Android SDKs, React Native support, and pre-built plugins for commercetools, Magento, and Salesforce Commerce Cloud. Gr4vy describes its infrastructure as single-tenant IaaS, with independent customer instances and regional deployment options. The company states that it is PCI DSS Level 1 compliant and SOC 2 Type 2 certified, and supports multiple data-protection regimes. Pricing is on request. There is no free trial or live demo, but a sandbox is available for testing.

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.