FloPay vs IXOPAY

Universal Tokens keep cards on file in IXOPAY's own vault, and IXOPAY states you can add or switch gateways and acquirers without retokenizing.

IXOPAY documents fallback retries in its routing engine and analytics that track retry chains, but no subscription dunning or recovery workflow.

Mastercard and Visa pre-chargeback alerts arrive in one dashboard through Ethoca and Verifi integrations, so a dispute can be settled before it becomes a formal chargeback.

Fallback routing automatically retries a transaction with a secondary provider when the primary one declines it or is unavailable.

Routing rules built in a drag-and-drop interface select a provider by card type, customer details, geolocation, and risk assessment, with fallback when a provider fails.

IXOPAY documents hosted payment pages with a dynamic selection of payment methods.

Pre-built adapters add local currencies and customer-preferred payment methods when you open a new market.

IXOPAY publishes a public developer hub with platform reference documentation covering integration, concepts, features, and adapters.

IXOPAY states that after a single API integration its no-code adapters give access to new providers, payment methods, and functionality without custom development.

Checkout options include hosted payment pages, mobile SDKs, a server-to-server API, and a hosted fields library.

IXOPAY publishes no rate card or price list, so the cost of the platform comes out of a demo request and a sales conversation.

IXOPAY's published module list covers reconciliation, settlement, fee management, and analytics. Sales tax reporting is not documented.

IXOPAY presents wider payment method coverage as a way to reduce abandonment, but documents no workflow that recovers an abandoned cart.

Payments Intelligence applies AI and machine-learning models to payment data, with anomaly detection that flags unusual patterns across providers, markets, payment methods, fees, and risk indicators.

IXOPAY states that it does not provide a MID or merchant account number and is not a financially licensed institution, so the acquiring agreement is yours to arrange.

IXOPAY describes itself as a technical platform for payments and documents no company formation service.

IXOPAY states that it supports all currencies supported by your payment providers, so the currency list follows your acquirer or PSP. Currency conversion is not documented as an IXOPAY service.

IXOPAY provisions network tokens for major card brands including Visa, Mastercard, and American Express, with a unique cryptogram on each transaction.

Account Updater works directly with the card networks to refresh the expiration date, cardholder name, and card number on vaulted cards, monthly or on demand.

IXOPAY states that it is a PCI certified Level 1 service provider and publishes attestations of compliance for its tokenization and payment orchestration platforms.

IXOPAY's in-house Risk Management Engine is a custom rules-based fraud prevention tool, with risk profiles built from criteria such as transaction value, payment method, geographic location, user behavior, and block and allow lists.

IXOPAY states that it is not involved in the transfer of funds, so settlement timing comes from the PSP or acquirer that processed the transaction.

IXOPAY's administration and merchant interfaces serve the businesses running payments and the merchants they onboard, not the customers those businesses bill.

IXOPAY documents reconciliation, settlement, fee management, and payments analytics, but not revenue recognition.

Simulator adapters test a setup without connecting to a PSP, with configurable success, decline, pending, and error outcomes.