IXOPAY vs PayOrc
IXOPAY
ixopay.com
PayOrc
payorc.comSide by side
| Figure | IXOPAY | PayOrc |
|---|---|---|
| Price from | $1,000/mo | $25/mo |
| Free plan | — | Yes |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 2 | 3 |
| Spec score · Payment Orchestration Platforms | 8.9 (#3) | 8.7 (#5) |
| Founded | 2014 | PayOrc's company timeline says it was founded in 2025 Q2 and achieved PCI DSS Level 1 certification from day one. |
| Intelligent routing | Routing rules can use geography, transaction type, customer or card history, risk and provider conditions, with retries, fallback and load balancing. | Its routing engine selects a payment processor in real time using transaction context and claims authorization improvements of up to 15%. |
| Product | IXOPAY provides enterprise-grade payment orchestration, tokenization, and payments intelligence. | PayOrc describes itself as a unified payment orchestration layer for merchants, payment providers, banks, and technology platforms. |
| Routing | Smart transaction routing and strategic smart retries are features for improving conversion and recovering declined payments. | Its intelligent routing engine selects a processor in real time, and the site says authorization rates can improve by up to 15%. |
| Security | IXOPAY lists ISO 27001, SOC 3, and PCI DSS attestations for its tokenization and payment orchestration platforms. | The security page lists PCI DSS Level 1, ISO/IEC 27001:2022, and ISO 9001 certifications. |
| What it does | IXOPAY provides enterprise payment orchestration, tokenization and payment-intelligence infrastructure. | PayOrc provides a unified payment-orchestration layer for merchants, payment providers, banks and technology platforms. |
Plans
In their own words
IXOPAY
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.
PayOrc
PayOrc is a payment orchestration layer for merchants, payment providers, banks and technology platforms. Its routing engine chooses a processor in real time, and automatic retries can follow fallback chains when payments fail. The product lineup includes payment links, QR payments, subscriptions, invoicing, branded checkout, POS and fraud risk tools. Supported payment methods include cards, wallets, Apple Pay, Google Pay, SEPA and BNPL through one integration. PayOrc says it connects to more than 100 providers and systems, including Stripe, Adyen, Razorpay, WooCommerce, Shopify, Salesforce and SAP. Developers have a REST API, webhooks and SDKs for Node.js, Python, PHP, Java, Ruby and Go, as well as web, Android, iOS and Flutter SDKs. Starter is free, limited to one PSP and up to USD 5k monthly TPV. Growth costs $25 a month, includes five PSPs and covers more than USD 5k to USD 100k monthly TPV. Domestic card fees are listed as 2.90% + $0.30 for Starter and 2.70% + $0.30 for Growth; displayed MDRs are indicative and tax-exclusive.