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).
• Apple Pay: Supports Apple 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
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
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
Beanstream	Beanstream (legacy API)			+ p, m		+ p, m
Bendigo Bank	Bendigo Bank
Billriant.com	BillriantPay					+ p, m
BluePay	BluePay					+ 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
Blue Pay Canada (formerly Caledon Computer Systems, Inc.)	Blue Pay Canada (formerly Caledon)			+ 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
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
DIBS Payment Services AB	DIBS			+ p, m		+ p, m
SecurePay Pty Ltd	DirectOne - Direct Interface
Sparrow (formerly 5th Dimension Logisitics, LLC)	Sparrow (formerly 5th Dimension Gateway)			+ 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
Electronic Clearing House, Inc.	ECHO NVP
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
Web Active Corporation Pty Ltd	eWay Realtime Payments XML
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
Global Payments, Inc	Global Iris/HSBC - RealAuth Remote											Built-in, only 3-D Secure v1
GoEmerchant, LLC	GoEmerchant - XML Gateway API			+ p		+ p, m
Heidelberger Payment GmbH	HeidelPay			+ p		+ p
Intuit, Inc. Innovative Gateway	Innovative Gateway
iTransact, Inc.	iTransact XML			+ p, m		+ p, m
First Data Corporation	First Data Payeezy Gateway (formerly Global Gateway e4)			+ p		+ 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
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
Netregistry Pty Ltd	NetRegistry					+ p, m
Ingenico Payment Services (formerly Ogone)	Ingenico ePayments (Ogone e-Commerce)			+ 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
Payment Services Interactive Gateway Inc.	PSiGate XML API			+ p		+ p, m
Quantum Services LLC	QuantumGateway - Transparent QGWdatabase Engine			+ p, m
Quantum Services LLC	QuantumGateway - XML Requester			+ p, m		+ p, m
QuickPay ApS	QuickPay			+ p, m		+ p, m
Intuit Inc.	Intuit QuickBooks Payments			+ p		+ p
Global Payments Inc.	Global Payments (formerly Realex)											Built-in, only 3-D Secure v1
Sage Pay	Sage Pay Go - Direct Interface					+ 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
Paya	Paya			+ p		+ p, m
SecurePay.com Inc.	SecurePay USA
SecurePay - A Business of Australia Post	SecurePay Australia
MasterCard	Simplify Commerce by MasterCard			+ p		+ p, m
Skipjack Financial Services, Inc.	SkipJack			+ p		+ p
Suncorp	Suncorp
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
Elavon, Inc.	Elavon Converge (ex VirtualMerchant)			+ p, m		+ p, m
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