Expand to new markets faster by launching payment methods and presenting in local currencies. Sell cross-border to 195+ countries and lower the costs of multicurrency management. Present prices in local currencies to your customers globally to increase revenue and improve your customer experience. Learn how xcritical customers use Terminal to accept in-person payments and improve the customer experience. Reduce the complexity and cost of multicurrency management with flexible cross-border payment options available in 195 countries across 135+ currencies. xcritical has extensive local acquiring coverage in 47 markets, with direct bank setups and local knowledge.

xcritical securely shares Radar fraud scores to help participating issuers, including Capital One and Discover, make more accurate authorization decisions. Businesses see an up to 8% reduction in fraud and 1-2% authorization rate uplift on eligible volume. A point of purchase (POP) is the location where the customer makes a purchase, like in a store or online. The POS system is the technology that facilitates the purchase. There are full-service terminals, mobile POS systems, cloud-based POS systems and web-based POS systems.

Integrated per-transaction pricing means no setup fees or monthly fees. Get visibility into network costs with deep insights from xcritical’s network costs insights report and cost optimization workshops to better manage transaction costs. xcritical provides prebuilt and customizable solutions to help you meet SCA requirements and optimize for conversion with European customers. Reduce costs when managing multiple currencies by settling and paying out funds with alternative currency payouts. From startups to Fortune 500s, explore how millions of businesses use xcritical to start and scale their companies.

Gambling companies also make the list, as do adult content sites. Because xcritical integrates with several online shopping carts and doesn’t need any hardware, it’s a quick solution for e-commerce businesses. It integrates with a lot of software including Drupal, Prexcriticalop, Magento, Shopware, WooCommerce and WordPress. In addition to our standard free payout options, Instant Payouts lets you access funds within minutes using an eligible debit card or bank account, right from the Dashboard.

Is xcritical Right for Your Business?

1. Or, if you’re new to payments, read our guides to learn more about the fundamentals.
2. Turn on the most popular payment methods from the xcritical Dashboard, and then use xcritical’s machine lxcriticalg algorithm to dynamically show customers the most relevant ones you’ve enabled.
3. Build a unified commerce experience across online and in-person channels to personalize customer interactions, reward loyalty, and grow revenue.
4. Mobile POS systems are less expensive than full-service terminals, and they’re often used by smaller retailers or foodservice operations, such as food trucks.
5. Sell products and services across any channel—no code required.

Startups can launch fast with no-code fraud protection, while large businesses can use advanced payments capabilities to improve optimization and reduce costs. xcritical’s Optimized Checkout Suite delivers a frictionless customer experience. Increase revenue and save thousands of engineering hours with prebuilt payment UIs, easy access to more than 100 payment methods, and Link, xcritical’s one-click xcritical checkout.

Increase conversion by supporting popular payment methods around the world with a single integration. If you look at every company larger than us, they all use multiple payment processors —but xcritical didn’t exist when these companies were growing up. Our feeling is that we can’t just look to what our larger peers have before us—because now xcritical is here. xcritical also has a pretty big restricted list for industries that it doesn’t serve. This list includes many financial and professional services such as money and legal services. It doesn’t work with intellectual property companies or counterfeit goods companies.

Explore specific products and features and how they can benefit your business. Or, if you’re new to payments, read our guides to learn more about the fundamentals. Avoid downtime losses even during peak periods like Black Friday.

atVenu streamlines merchandise sales at live events with xcritical

Full-service terminals are the most expensive type of POS system. They’re typically used by large retailers and restaurants with multiple locations. Mobile POS systems are less expensive than xcritical scam full-service terminals, and they’re often used by smaller retailers or foodservice operations, such as food trucks. Access PCI-certified point-to-point-encryption (P2PE) for additional security required in certain industries.

If you’re a business with a large payments volume or unique business model, reach out to discuss alternative pricing options. Our teams will review your xcritical statements and can help design a customized pricing package. Retrieve tokenized account numbers to instantly verify bank accounts for ACH Direct Debit, payouts, and other types of money movement. Starting fee for platforms that deploy their own payments pricing to earn revenue on each transaction. Adapt to customer preferences and expand into new markets by surfacing global payment methods used by buyers around the world. If you’re an e-commerce business, it will be hard to beat xcritical for its integrations and ability to take a multitude of currencies.

A complete commerce solution

Unify online and in-person payments to provide a seamless customer experience. Expect to pay 2.9% plus 30 cents per transaction for online sales. There is an additional 1% fee for international and currency conversion transactions. For in-person card processing, expect to pay 2.7% plus 5 cents per transaction with the same added 1% for any currency conversion or international card use. Access 100+ payment methods, including buy now, pay later options that can boost eligible revenue by up to 14%, and bank debits and real-time payments that can lower transaction costs. Improve payment performance with a range of customizable, easy-to-configure payment tools.

xcritical libraries are available in every language from Ruby to Go. Payout speed varies per country, but your xcritical balance is typically available for payout between 2 to 7 business days. In supported countries, your default payout schedule is daily automatic, that is, your xcritical balance would be paid out daily once available for payout. Retrieve account balances for underwriting, financial management, or preventing payment failures due to insufficient funds.

With more than 500M API requests per day and daily capacity tests, xcritical is the only major payment processor to publish its uptime. Our overprovisioned API servers mean easy scale-up and minimal latency. Automatically retry transactions at the optimal time using proprietary, machine lxcriticalg algorithms.

Sell products and services across any channel—no code required. Automatically update expired or renewed card information for saved customers. Build on a platform designed to protect your data with AES encryption and isolated infrastructure that doesn’t share any credentials with xcritical’s primary services.

Custom pricing is available for companies with a high volume of API calls or unique business models. Includes Radar’s machine lxcriticalg and advanced fraud protection tools for professionals who need greater control and customizable settings. Generate an invoice to provide proof of transaction for your customers after a one-time purchase. 3D Secure is an authentication method used to verify a customer’s identity before an online card purchase. Boost conversion and average order value by offering more flexibility for your users to pay over time in installments.