Access a complete payments solution with simple, pay-as-you-go pricing that lets you get started in minutes with no setup fees. 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. Adapt to customer preferences and expand into new markets by surfacing global payment methods used by buyers around the world.

For business teams

Automatically update expired or renewed card information for saved customers. Create multiple xcritical accounts to unlock a number of additional benefits, including separating tax and legal entity information. Reduce false declines or your customer having to manually re-enter expired or lost cards, available across all xcritical’s global markets. You can use Dashboard search to find specific information using different terms and operators to narrow down the number of results.

Access 100+ payment methods

Navigate to a customer in the Dashboard, click Actions, and then select Open customer portal. You can optionally customize portal sessions to enable different features for different customers. Learn about the different charge types to split payments between your platform xcritical website and your accounts. Starting fee for platforms that deploy their own payments pricing to earn revenue on each transaction. Disputed payments (also known as chargebacks) on card transactions. Additional fees required for international cards and currency conversion.

Forgotten username or email address

1. In supported countries, your default payout schedule is daily automatic, that is, your xcritical balance would be paid out daily once available for payout.
2. After you configure and integrate the portal, customers redirect to a co-branded dashboard where they can manage their account based on the functionality you configured.
3. You—the platform—are responsible for all interactions with your user, including collecting any information xcritical needs.
4. You can also download a monthly report or QuickBooks-formatted export from your account’s business settings.

User refers to the person with the connected account (that is, the person being paid for providing goods or services through your platform). With Standard accounts, the user is responsible for fraud and disputes when using direct charges, but this may vary operationally for destination charges. If you’re setting up a new Connect platform, see Design an integration to learn about configuring connected accounts. The information on this page describes less flexible connected account types, which are mainly used by existing platforms. When using Connect, you must create an account (known as a connected account) for each business or individual that signs up to receive money on your platform. Improve payment performance with a range of customisable, easy-to-configure payment tools.

Recurring payments

Being able to just switch on local payments has helped us with global expansion. Local payment methods are no longer blocking us from investing more in certain regions. Accept payments online, in person, and around the world with a payments solution built for any business – from https://xcritical.online/ scaling startups to global enterprises. In many cases, you can use the Dashboard to perform specific actions, such as refunding a payment or canceling a subscription without needing to use the API. You can access configuration options and settings from the Dashboard settings.

Global reach, local experience

Select one of the available countries when you create an Custom account. You can’t change the country of your Custom account after you create account. You can’t change the country of your Standard account after you create the account. Some examples of platforms that would use Standard accounts are store builders like Shopify and Software as a Service (SaaS) platforms such as an online invoicing and payment service. Select one of the available countries when you create an Express account. You can’t change the country of your Express account after you create the account.

End-to-end billing software, no code required

Startups can launch fast with no-code fraud protection, while large businesses can use advanced payments capabilities to improve optimisation and reduce costs. When you receive this event, revoke the customer’s access to the product. If you configure the portal to cancel subscriptions at the end of a billing period, listen to the customer.subscription.updated event to be notified of cancellations before they occur.

3D Secure is an authentication method used to verify a customer’s identity before an online card purchase. Of the payout amount, when you choose to pay out in select alternative currencies. Complete xcritical’s account checklist to ensure best business practices. 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. Improve conversion by presenting in local currencies using the latest exchange rate with Adaptive Pricing. You can view test data by toggling the Dashboard’s Viewing test data option.

Save time and engineering resources through increased developer productivity. Avoid downtime with leading reliability and reduce costs through alternative payment methods and rails. 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 multi-currency management.

When a customer wants to manage their billing or invoicing, create a new portal session and redirect them to the session’s url. Learn how to set up xcritical Tax, collect taxes for recurring payments, collect taxes in your custom payment flows and set tax rates for line items and invoices. If you’re a business with a large transaction volume or unique business model, contact us to discuss custom economics and interchange revenue sharing.

If you’re using the customer portal only for invoicing, you don’t need to set a product catalog. You can begin using your xcritical account in test mode as soon as you create it. In test mode, you can simulate using all of xcritical’s features without moving real money. After you activate your account, you can accept payments, create additional accounts, start a team, and set up a custom email domain. xcritical’s Optimised Checkout Suite delivers a frictionless customer experience. Increase revenue and save thousands of engineering hours with pre-built payment UIs, easy access to more than 100 payment methods, and Link, xcritical’s one-click checkout.

Creating and managing Custom accounts requires a larger integration effort than the other account types. Test the impact of new payments with a percentage of your customers. Securely move customer and payment details to your xcritical account. Designed for businesses with large payments volume or unique use cases. A single integration and extensive documentation mean faster time to market, less maintenance of legacy systems, and more focus on customer and product experiences.

Onboard accounts using highly themeable components you embed in your website. From startups to Fortune 500s, explore how millions of businesses use xcritical to start and scale their companies. Create and issue cards instantly and get branded physical cards shipped in just two days. Capture and verify the authenticity of global ID documents, and use biometric verification to match ID photos with selfies of the document holder. Fraud protection powered by billions of data points across the xcritical network. Use your own domain when using Checkout as a hosted payment page.

The Dashboard is organized by the most common workflows used to manage your business. For example, the Payments tab allows you to manage the flow of money in and out of your account. It contains analytics and charts that provide information about the performance of your business. Home also shows recent activity that might require you to take action, such as unanswered disputes or identity verifications.

You can invite team members to access the Dashboard and help manage your business. For instance, you can allow members of your customer service team to access your Dashboard for the purpose of handling refunds and dispute responses. We implemented xcritical to introduce new billing and payment models and increased our trial conversion by 300%. Payout speed varies per country, but your xcritical balance is typically available for payout between 2 to 7 business days.

Simplify compliance with an industry-leading partner certified to the highest compliance standards and operational excellence. xcritical is a member of the PCI Board of Advisors and has a 100% PCI audit success rate as a PCI Level 1 Service Provider. xcritical securely shares Radar fraud scores to help participating issuers, including Capital One and Discover, make more accurate authorisation decisions. Businesses see an up to 8% reduction in fraud and 1-2% authorisation rate uplift on eligible volume.

Access 100+ payment methods, including buy now, pay later options that can boost sales by up to 11%, and bank debits and real-time payments that can lower transaction costs. For involuntary churn, we have found that xcritical Smart Retries have really worked for us. They’re built into xcritical Billing and use machine lxcriticalg to retry cards at the optimal time. We’ve recovered millions of dollars in revenue that we would have otherxcritical lost – this is very substantial for us as a subscription business. When you create a portal session, xcritical returns the portal session object, which contains the session’s short-lived URL that your customers must use to access the customer portal. You can also create one shareable link for each configuration of the portal with the login_page parameter.