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IXOPAY
What it is
IXOPAY is a cloud platform for payment orchestration, tokenization, and payment intelligence, serving merchants and fintechs. Through one API integration, it connects to more than 200 payment providers and 300 payment methods. Its adapters link to acquirers, processors, gateways, and third-party tools such as CRM, ERP, and SMTP services. Supported channels include online, mobile, point-of-sale, hosted payment pages, and server-to-server transactions. Smart routing and strategic retries are designed to improve conversion and recover declined payments. IXOPAY also automates reconciliation and reporting, with shareable insights for finance, product, and operations teams. Universal Tokens use a single format across 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. A white-label offering is designed for ISOs, PSPs, banks, ISVs, and payment facilitators. Its Developer Hub includes guides, recipes, an API explorer and reference, and operating guides. The platform supports Android, iOS, web, and API access. IXOPAY was founded in 2014. Pricing is on request; listed plans start at $1,000 a month. Free sandbox access is available to evaluate tokenization capabilities.
For and against
For
- Connects to 200+ providers through one API integration
- Supports online, mobile, and point-of-sale channels
- Automates reconciliation and reporting
- Free sandbox access for tokenization evaluation
Against
- No free plan
- Plans start at $1,000 a month
- Full pricing requires contacting IXOPAY
The verdict
IXOPAY brings payment connections, routing, tokenization, and reconciliation into one cloud platform. Buyers should note that full pricing is on request and listed plans start at $1,000 a month.
Who it suits
It is suited to merchants and fintechs coordinating multiple payment providers and methods. Its white-label solution is aimed at ISOs, PSPs, banks, ISVs, and payment facilitators.
Plans and prices
Plans starting at
Universal Tokens · sandbox access by request
Read 14 Oct 2026 · ixopay.com
IXOPAY plans
Starting price; full pricing requires contacting IXOPAY
Read 7 Oct 2026 · ixopay.com
On the record
- Adapters
- IXOPAY advertises more than 500 pre-built payment adapters.ixopay.com · read 14 Oct 2026
- AI analytics
- IXOPAY says its AI analyzes payment events to detect anomalies, improve authorization, find fee savings and provide predictive analytics.ixopay.com · read 14 Oct 2026
- API security
- The Transaction API uses HTTPS JSON, TLS 1.2 or newer, Basic Authentication and optional signature and date headers.documentation.ixopay.com · read 14 Oct 2026
- Checkout options
- Checkout integrations include mobile SDKs, hosted payment pages, server-to-server APIs and Payment.js hosted fields.ixopay.com · read 14 Oct 2026
- Company founding
- LinkedIn lists IXOPAY as founded in 2014 and employing 201–500 people.linkedin.com · read 14 Oct 2026
- Company history
- IXOPAY's history page says its founding IXOLIT business began in Vienna in 2001.ixopay.com · read 14 Oct 2026
- Company legal entity
- The legal entity is IXOPAY GmbH, with a listed address in Vienna, Austria.ixopay.com · read 14 Oct 2026
- Developer documentation
- The Developer Hub contains getting-started guides, recipes, API references, an in-browser API explorer, user manuals and module documentation.documentation.ixopay.com · read 14 Oct 2026
- Developer resources
- The Developer Hub provides guides, recipes, an API explorer, API reference, and operating guides.documentation.ixopay.com · read 7 Oct 2026
- Encryption and access
- The security page says customer data is encrypted in transit and at rest, with multifactor authentication, audit logging and least-privilege access.ixopay.com · read 14 Oct 2026
- Hosting model
- IXOPAY describes its service as SaaS; the documentation describes browser-based access and does not document customer self-hosting.ixopay.com · read 14 Oct 2026
- Independent business limit
- Partnerkin says IXOPAY has no consumer wallet or cash network and that settlement occurs directly between merchants and underlying PSPs or acquirers.partnerkin.com · read 14 Oct 2026
- Independent product description
- Partnerkin describes REST and mobile APIs, smart routing, cascading, reconciliation, 200 PSP connectors and 300 payment methods.partnerkin.com · read 14 Oct 2026
- Intelligent routing
- Routing rules can use geography, transaction type, customer or card history, risk and provider conditions, with retries, fallback and load balancing.ixopay.com · read 14 Oct 2026
- ISO certification date
- An IXOPAY ISO 27001:2022 certificate was issued on June 26, 2026 and is stated to expire April 1, 2027.ixopay.com · read 14 Oct 2026
- Limit: authentication
- Some G2 reviewers describe password resets and development-region two-factor login as cumbersome.g2.com · read 14 Oct 2026
- Limit: public pricing
- GetApp shows no pricing information, free version or free trial for IXOPAY.getapp.com · read 14 Oct 2026
- Limit: reporting
- G2 reviewers report difficulty creating customer-specific monthly reports and say some history is limited to about 30 days.g2.com · read 14 Oct 2026
