XP Cloud:Supported payment gateways

X-Payments Cloud User Manual

1. X-Payments Cloud: General information
2. Get Started with X-Payments Cloud
3. Two-factor User Authentication
   • with the Google Authenticator App
   • with SMS/Text Messages
   • with Backup Codes
   • Add an Alternative Method
   • Change the Preferred Method
4. General Settings
5. Payment Configurations
   • Add a Payment Configuration
   • Payment Configurations List
     
   • View the Details of a Payment Configuration
     
   • Enable/Disable a Payment Configuration
     
   • Edit the Details of a Payment Configuration
     
   • Delete a Payment Configuration
     
   • Choice of Payment Configuration for a Payment
6. Services
   • 3D-Secure
   • KOUNT Antifraud Screening
   • NoFraud Fraud Prevention
   • Signifyd Fraud Protection
   • Apple Pay
   • Google Pay
7. Users
   • Add a New User Account
     
   • Users List
     
   • View a User's Account Details
     
   • Edit a User's Account Details
     
   • Change a User's Account Status
     
   • Manage User Permissions
     
   • Request Password Change for a User
     
   • Delete a User Account
     
8. User Interface
   • Customize the Payment Form Appearance
   • Translate or Edit the User Interface Text
9. Payments
   • Payments List
   • Payment Statuses
   • Search for Payments
   • View the Details of a Payment
   • Delete a Payment
   • Auth and Capture (Capturing Funds)
   • Void an Authorization
   • Issue a Refund
     
   • Manage High Risk Transactions
     
   • Emulate Transactions
     
   • Clear Cardholder Data
   • Tokenization and Re-Use of Saved Cards
     
   • Delayed Payment Feature
     
10. Supported Payment Gateways
11. What's New in X-Payments Cloud

The table below provides a list of payment gateways supported by X-Payments Cloud.

Legend:

• Auth: Allows to authorize the availability of funds for a transaction (The buyer's funds are temporarily placed on hold to ensure the availability of the authorization amount for capture).
• Capture: Allows to capture the amount of the authorization (The money authorized for the order is moved from the buyers's account to the merchant's account).
• Sale: Supports transactions of 'Sale' type (Authorization and capture actions are completed simultaneously at the time the payment is processed).
• Void: Allows the removal of an authorization hold from the buyer's account by the merchant.
• Refund: Allows to issue refunds (The money is returned to the buyer's account).
• Get Status: Can provide information about the status of a transaction to X-Payments Cloud.
• Get Card: Can provide new/updated information about a saved credit card. For example, if a credit card gets re-issued, it is possible to get the renewed expiration date. If any other information changes, like the credit card number or the billing address, it is possible to access this updated credit card information as well.
• Accept, Decline: Allows to accept or reject transactions with a higher likelihood of risk.
• Test: Can test whether the merchant account details entered in X-Payments Cloud are valid.
• 3D-Secure via Cardinal Commerce: Supports 3-D Secure payer authentication via Cardinal Commerce (both 3-D Secure v1 and v2 are supported). Best for PSD 2 in the European Union.
• Tokenization: Supports tokenization (Allows to charge customer credit cards again - without X-Payments Cloud storing cardholder data).
• p: Supports partial transactions (For example, "Capture + p" = Allows to capture a partial amount of the authorization).
• m: Supports multiple transactions (For example, "Capture + m" = Allows to perform the capture action multiple times).
• Account updater: Supports Account Updater service.
• Apple Pay: Supports Apple Pay.
• Google Pay: Supports Google Pay.

Payment service provider	Payment system	Sale	Auth	Capture	Void	Refund	Get status	Get card	Accept	Decline	Test	3D-Secure via Cardinal Commerce	Tokenization	Account updater	Apple Pay	Google Pay
PayPal	PayFlow Pro			+ p, m		+ p, m						Built-in, only 3-D Secure v1
PayPal	PayPal Payments Pro (PayPal API)			+ p, m		+ p, m
PayPal	PayPal Payments Pro (Payflow API)			+ p, m		+ p, m
PayPal	PayPal REST API			+ p, m		+ p, m						Built-in (3-D Secure v1 and v2)
Australia and New Zealand Banking Group Limited	ANZ eGate
American Express	American Express Web-Services API Integration			+ p, m		+ p, m
Authorize.Net LLC	Authorize.Net			+ p		+ p, m
Beanstream Internet Commerce, Inc.	Bambora (Beanstream)			+ p, m		+ p, m
Payment service provider	Payment system	Sale	Auth	Capture	Void	Refund	Get status	Get card	Accept	Decline	Test	3D-Secure via Cardinal Commerce	Tokenization	Account updater	Apple Pay	Google Pay
Beanstream	Beanstream (legacy API)			+ p, m		+ p, m
Bendigo Bank	Bendigo Bank
Billriant.com	BillriantPay					+ p, m
BluePay	BluePay					+ p, m
Blue Pay Canada (formerly Caledon Computer Systems, Inc.)	Blue Pay Canada (formerly Caledon)			+ p, m		+ p, m
BlueSnap Inc.	BlueSnap Payment API (XML)					+ p, m
Braintree, a division of PayPal, Inc.	Braintree, direct integration with CC storing			+ p		+ p, m
Payment service provider	Payment system	Sale	Auth	Capture	Void	Refund	Get status	Get card	Accept	Decline	Test	3D-Secure via Cardinal Commerce	Tokenization	Account updater	Apple Pay	Google Pay
CardinalCommerce Corporation	Cardinal Commerce Centinel			+ p		+ p						Built-in, only 3-D Secure v1
Chase Paymentech	Chase Paymentech Orbital			+ p	+ p	+ p
CommWeb - Commonwealth Bank of Australia	CommWeb - Commonwealth Bank
CyberSource	CyberSource - SOAP toolkit API			+ p		+ p, m
Verifone	2Checkout
DIBS Payment Services AB	DIBS			+ p, m		+ p, m
SecurePay Pty Ltd	DirectOne - Direct Interface
Payment service provider	Payment system	Sale	Auth	Capture	Void	Refund	Get status	Get card	Accept	Decline	Test	3D-Secure via Cardinal Commerce	Tokenization	Account updater	Apple Pay	Google Pay
Elavon, Inc.	Elavon Converge (ex VirtualMerchant)			+ p, m		+ p, m
Elavon, Inc.	Elavon (Realex API)											Built-in, only 3-D Secure v1
Barclaycard Business	ePDQ MPI XML (Phased out)			+ p		+ p, m
eProcessing Network, LLC	eProcessing Network - Transparent Database Engine			+ p								Built-in, only 3-D Secure v1
Moneris Solutions	eSELECTplus			+ p, m		+ p, m
Web Active Corporation Pty Ltd	eWAY Rapid - Direct Connection					+ p, m
Payment service provider	Payment system	Sale	Auth	Capture	Void	Refund	Get status	Get card	Accept	Decline	Test	3D-Secure via Cardinal Commerce	Tokenization	Account updater	Apple Pay	Google Pay
First Data Corporation	First Data Payeezy Gateway (formerly Global Gateway e4)			+ p		+ p, m
Global Payments, Inc	Global Iris/HSBC - RealAuth Remote											Built-in, only 3-D Secure v1
Global Payments Inc.	Global Payments (formerly Realex) available to existing users											Built-in, only 3-D Secure v1
Global Payments Inc.	Global Payments available to new users											Built-in (3-D Secure v1 and v2)
GoEmerchant, LLC	GoEmerchant - XML Gateway API			+ p		+ p, m
Heidelberger Payment GmbH	HeidelPay			+ p		+ p
Ingenico Payment Services (formerly Ogone)	Ingenico ePayments (Ogone e-Commerce)			+ p		+ p, m
Intuit, Inc. Innovative Gateway	Innovative Gateway
Intuit Inc.	Intuit QuickBooks Payments			+ p		+ p
iTransact, Inc.	iTransact XML			+ p, m		+ p, m
Meritus Payment Solutions	Meritus Web Host			+ p		+ p, m							(works only in "Sale" mode, is disabled in "Auth only" mode)
Payment service provider	Payment system	Sale	Auth	Capture	Void	Refund	Get status	Get card	Accept	Decline	Test	3D-Secure via Cardinal Commerce	Tokenization	Account updater	Apple Pay	Google Pay
NAB - National Australia Bank	NAB - National Australia Bank
Netbilling, Inc.	Netbilling - Direct Mode			+ p		+ p, m
Netevia	Netevia			+ p		+ p, m
Network Merchants, LLC	NMI (Network Merchants Inc.)			+ p		+ p, m
Paya	Paya			+ p		+ p, m
PayGate	PayGate Korea
PayGate South Africa	PayGate South Africa					+ p, m						Built-in
Payment service provider	Payment system	Sale	Auth	Capture	Void	Refund	Get status	Get card	Accept	Decline	Test	3D-Secure via Cardinal Commerce	Tokenization	Account updater	Apple Pay	Google Pay
Payment Services Interactive Gateway Inc.	PSiGate XML API			+ p		+ p, m
Quantum Services LLC	QuantumGateway - XML Requester			+ p, m		+ p, m
QuickPay ApS	QuickPay			+ p, m		+ p, m
Elavon, Inc.	Elavon (formerly Opayo)					+ p, m						Built-in, only 3-D Secure v1
Payment service provider	Payment system	Sale	Auth	Capture	Void	Refund	Get status	Get card	Accept	Decline	Test	3D-Secure via Cardinal Commerce	Tokenization	Account updater	Apple Pay	Google Pay
SecurePay - A Business of Australia Post	SecurePay Australia
MasterCard	Simplify Commerce by MasterCard			+ p		+ p, m
Skipjack Financial Services, Inc.	SkipJack			+ p		+ p
Sparrow (formerly 5th Dimension Logisitics, LLC)	Sparrow (formerly 5th Dimension Gateway)			+ p		+ p
Suncorp	Suncorp
Monetra Technologies, LLC	TranSafe, powered by Monetra			+ p		+ p, m
GorCorp Inc.	USA ePay - Transaction Gateway API			+ p		+ p
Payment service provider	Payment system	Sale	Auth	Capture	Void	Refund	Get status	Get card	Accept	Decline	Test	3D-Secure via Cardinal Commerce	Tokenization	Account updater	Apple Pay	Google Pay
Plug and Pay Technologies	WebXpress			+ p		+ p
Worldpay	Worldpay Corporate Gateway - Direct Model			+ p		+ p, m						Built-in, only 3-D Secure v1
WorldPay US, Inc.	WorldPay Total US			+ p		+ p, m
WorldPay US, Inc.	WorldPay US (Lynk Systems)			+ p	+ p	+ p