IXOPAY vs Worldpay eProtect

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.

Worldpay eProtect handles card-not-present payments by replacing card details with a low-value Registration ID, which Worldpay can exchange for an OmniToken during authorization, a sale, or token registration. The cloud service is available through an iFrame, the JavaScript Customer Browser API, or a Mobile API, with platforms listed as Android, iOS, web, and API. Worldpay says card data does not pass through the merchant’s web server and that eProtect reduces applicable PCI controls. The iFrame hosts card number, expiration, and CVV2 fields in Worldpay’s PCI-compliant environment; JavaScript validates and encrypts the account number before sending it to Worldpay. The resulting token may support card-on-file payments, returns, and recurring billing. The guide covers Apple Pay, Apple Pay on the Web, Google Pay, and Visa Checkout. Before production use, an organization must be enabled and certified to process OmniTokens, obtain a PayPage ID, and complete certification testing. The token exchange does not check CVV or AVS and does not validate expiration dates. Pricing is on request.