X-Cart Pay: Simple to Use. Serious About Security.
Tired of complicated payment setups and surprise fees? X-Cart Pay is built right into your store by the same people who built X-Cart. It’s simple, secure, and designed for automotive.
Payments Made Simple, So You Can Focus on Selling
Your payment system shouldn’t add to the stress of running an online store. X-Cart Pay is your friendly partner for smooth payment processing.
Made for Your X-Cart Store
Because we built it, it works natively with your X-Cart setup. No more juggling different systems.
Clear & Honest Pricing
There will be no confusing bills, as we offer simple flat-fee pricing. You’ll always know what you’re paying.
Support from People Who Get It
Got a question? The X-Cart team is here to help. You don’t have to chase down a separate payment processor.
See Your Money Clearly
Know exactly when and how much you’re getting paid. Our reports are easy to understand and right there in your X-Cart admin panel.
Everything You Need to Get Paid & Grow
X-Cart Pay comes packed with features to make your life easier and your customers happier.
All The Ways to Pay
- Credit and Debit Cards (Visa, Mastercard, Amex, Discover)
- Apple Pay for quick checkouts
- ACH payments for direct bank transfers
- (Heads up: Google Pay is coming soon!)
Keep Sales Coming
- Recurring payments & subscriptions: Perfect for repeat orders or membership sites.
- Account updater: Helps keep customer card details current automatically, so you don’t lose sales from expired cards.
Security You Can Trust
- 3D secure: An extra layer of security to make sure it’s really your customer buying, not a fraudster.
- Top-notch fraud protection: We use smart AI-powered tools to keep an eye on things.
Free tokenization: Your customers’ payment details are kept secure, and you get free access to tokens for repeat purchases.
Protect Your Sales, Set Up X-Cart Pay Now
How It Works:
X-Cart Pay fits right into your X-Cart ecosystem.
Getting started with X-Cart Pay is a breeze because it’s made by X-Cart, for X-Cart. It plugs right into your existing store.
- Easy setup: No complicated technical hurdles.
- Manage everything in one place: Handle payments and see reports directly within your familiar X-Cart dashboard. Less clicking around, more time for you.
We’re Serious About Keeping Your Store Safe
X-Cart Pay uses intelligent, AI-driven security to protect your store 24/7.
Smart defense: Our system learns from millions of global transactions to detect threats early.
Real-time screening: X-Cart Pay flags suspicious behavior to verify transactions.
Extra safeguards:
- Detecting card testing via small purchases
- Spotting unusually large or risky orders
- Blocking VPN-masked activity
- Blacklisting known bad actors (IP, email, card)
Our focus is stopping fraud – not good customers. If a transaction is declined, we’ll show you why.
Make the Switch to X-Cart Pay Today!
Join other X-Cart merchants who are enjoying easier payments, clear pricing, and dedicated support. It’s time to make your payment processing work for you.
(Currently available for US merchants only)
Billing That Makes Sense
You deserve to know exactly what you’re paying for your payment processing. With X-Cart Pay, it’s simple.
One Flat Fee
No complicated percentages or a laundry list of extra charges.
Transparent Bills
Easy-to-read statements so you always understand your costs.
No Hidden Fees
We don’t believe in those. What you see is what you get.
Chargebacks Happen. We’ll Help You Through It.
A chargeback is when a customer disputes a charge with their bank. They can be tricky, but X-Cart Pay helps you manage them.
We Keep You in the Loop
X-Cart Pay will notify you if you need to take action for an inquiry or a dispute.
Our Advice: Always Respond
It’s best to provide information during the inquiry phase. This can often clear things up before it becomes a full dispute.
X-Cart Support Helps
Our billing team can guide you on how to respond.
(For more detailed information on how chargebacks are handled, check out our full Chargeback Policy.)
What’s a Chargeback?
It’s when a customer asks their bank for their money back because they believe a charge was wrong.
Two Main Stages:
- Inquiry: The customer or bank is asking for more information about the charge. Your money isn’t taken at this point. We’ll let you know if this happens.
- Dispute: If the inquiry isn’t resolved, or if the bank goes straight to this stage, the funds are temporarily pulled from your account while it’s investigated.
Frequently Asked Questions
- Is X-Cart Pay only for X-Cart stores?
Yes. X-Cart Pay is built by us, the X-Cart team, specifically for merchants using X-Cart. This means it works perfectly with your store. - I’m in the US. Can I use X-Cart Pay?
Absolutely! Right now, X-Cart Pay is available for our US-based merchants. - What payment methods can my customers use?
Your customers can pay with major credit and debit cards, Apple Pay, and through ACH (direct bank transfer). We’re also working on adding Google Pay soon. - What about recurring billing for subscriptions?
X-Cart Pay supports recurring payments and subscriptions, making it easy to manage ongoing customer orders. - How does X-Cart Pay help with security and fraud?
We take security seriously. X-Cart Pay includes 3D Secure for an extra check on card payments. Plus, we use advanced AI-powered fraud tools that monitor transactions in real-time, look for suspicious patterns, and help block fraudsters. - What are the fees for X-Cart Pay? Is it complicated?
We believe in clear and simple pricing. X-Cart Pay offers a flat-fee structure, so you won’t find a long list of confusing charges or any hidden fees on your bill. You’ll always know what you’re paying. - What is tokenization, and is it free?
Tokenization is a security measure where sensitive card details are replaced with a unique code, or “token.” This keeps the actual card numbers safe. And yes, with X-Cart Pay, transactions are automatically tokenized, and you get free access to these tokens for things like repeat purchases. - What happens if I get a chargeback?
If a customer disputes a charge, X-Cart Pay will notify you. There are usually two phases: an “inquiry” (a request for information) and a “dispute” (a formal claim). We strongly encourage you to respond to all inquiries. Our X-Cart Pay billing team can help guide you through the process. - Is X-Cart Pay available outside the US?
Currently, X-Cart Pay is focused on serving our US merchants. We’ll be sure to announce any expansions to other countries!
