X-Payments:General information

X-Payments user manual

1. X-Payments:General information
   • How It Works
   • Key features
2. What's New
   • What's New in X-Payments 3.1
   • What's New in X-Payments 3.0
3. System requirements
   • System requirements for X-Payments 3
   • System requirements for X-Payments 2.2
4. Installation
   • Installing X-Payments
   • Setting up file permissions for X-Payments
   • Getting started with X-Payments
5. Two-factor user authentication
   • Two-factor authentication (X-Payments 3)
   • Managing PIN codes (X-Payments 2.2 and earlier)
6. Configuring X-Payments
   • General settings
   • Online stores
   • Payment configurations
   • Encryption keys
   • 3D-Secure settings
   • KOUNT Antifraud screening
   • NoFraud fraud prevention
   • Signifyd fraud protection and chargeback prevention
7. Managing users
8. Customizing the interface
   • Customizing the interface (X-Payments 3)
   • Customizing the interface (X-Payments 2.2 and earlier)
9. Managing payments
10. Unistalling X-Payments
11. Upgrading
12. Moving X-Payments from one host to another
13. Viewing X-Payments logs
14. FAQ
15. Troubleshooting
16. Glossary
17. Supported payment gateways
    • Payment gateways supported by X-Payments 3.1
    • Payment gateways supported by X-Payments 3.0
    • Payment gateways supported by X-Payments 2.2
18. Popular Payment Methods Configuration Instructions
    • PayPal Payments Pro (PayPal API), PayPal Payments Pro (Payflow API), Payflow Pro
    • PayPal REST API
    • First Data Payeezy Gateway (ex- Global Gateway e4)
    • CyberSource - SOAP toolkit API

X-Payments is a PA-DSS certified web-based payment application designed for merchants who accept credit card payments using background payment gateways listed in Appendix A and who require compliance with the PCI DSS standard. X-Payments can be used together with major shopping carts including:

While processing credit card payments, X-Payments works as an intermediary between a store on one side and payment gateways and 3D-Secure systems on the other side. See detailed explanation at X-Payments:How It Works and the diagram below.

X-Payments has a history of versions successfully validated according to PCI Council’s PA-DSS standard. You can find these versions on the list of PA-DSS certified applications on the PCI Council website by doing a search for the application name "X-Cart Payments":

To date, the newest and most feature rich version of the application is X-Payments 2.1.1. We recommend using this version for all new deployments. Previous X-Payments versions - including X-Payments 1.0.x and 2.0.x - are acceptable for existing deployments.

With X-Payments you will be able to:

• Accept credit card payments from your customers via online payment gateways.
• Make your online store compliant with the PCI DSS standard which strictly recommends using only PA-DSS validated payment applications for accepting and handling credit card payments.
• Use "stored" credit card information for new orders, re-orders or recurring payments.
• Retain total control over the checkout process and avoid risky redirects by incorporating an iFrame credit card form in the store's checkout window.

Below are a few videos to give you a better idea of how X-Payments works:

X-Payments v2.0 checkout forms in action:

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See how customers can save their credit cards for future orders in X-Cart integrated with X-Payments 2.0

How to make new orders for phone and returning customers

How to configure and sell subscriptions with X-Cart and X-Payments

This article can be downloaded as a PDF file