Freedom251 › Payment Hub Software
IXOPAY
What IXOPAY is
IXOPAY provides payment orchestration, tokenization, and payments intelligence for merchants and fintechs. Through one API integration, the cloud platform connects to more than 200 payment providers and 300 payment methods. Its adapters link to acquirers, processors, payment gateways, and third-party services such as CRM, ERP, and SMTP tools. Supported payment channels include online, mobile, point-of-sale, hosted payment pages, and server-to-server transactions. Smart routing and strategic retries are designed to improve conversion and recover declined payments. IXOPAY automates reconciliation and reporting, with shareable insights for finance, product, and operations teams. Its Universal Tokens use a single format across multiple payment service providers. The platform lists ISO 27001, SOC 3, and PCI DSS attestations for tokenization and payment orchestration, and states that it complies with GDPR. A white-label offering is designed for ISOs, PSPs, banks, ISVs, and payment facilitators. Developer resources include guides, recipes, an API explorer and reference, and operating guides. Plans start at $1,000 a month; full pricing requires contacting IXOPAY.
Who it suits
IXOPAY is aimed at merchants and fintechs managing payments across providers, methods, and channels. Its white-label solution is intended for ISOs, PSPs, banks, ISVs, and payment facilitators.
What it does well
- Connects to 200+ providers and 300+ payment methods.
- Supports online, mobile, point-of-sale, and server-to-server payments.
- Automates reconciliation and reporting.
- Universal Tokens share one format across providers.
- Offers free sandbox access for tokenization evaluation.
What to know first
- Plans start at $1,000 a month.
- Full pricing requires contacting IXOPAY.
- The listed deployment option is cloud.
Limits
There is no free plan. Paid plans start at $1,000 a month, and complete pricing requires contacting IXOPAY; a free sandbox is available for tokenization evaluation.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| IXOPAY plans | Plans starting at $1000/Month · Starting price; full pricing requires contacting IXOPAY | $1,000 a month |
| Plans starting at | starting at · Universal Tokens · sandbox access by request | $1,000 a month |
As ixopay.com lists them, read 7 Oct 2026. The maker's own page has the final word.
Getting started
- Open the IXOPAY website
- Use the free sandbox to evaluate tokenization capabilities
- Contact IXOPAY for full pricing
- Review Developer Hub guides, recipes, API explorer, reference, and operating guides
- Connect through the API and select supported payment channels
- Choose cloud deployment
Verdict
IXOPAY brings payment connections, routing, tokenization, and reconciliation into one platform. A free sandbox is available for evaluating tokenization, while full plan pricing requires contacting the company.
Questions
What is IXOPAY's starting price?
The IXOPAY plans start at $1,000 a month. Full pricing requires contacting IXOPAY.
Is there a free plan or trial?
There is no free plan, but IXOPAY offers a free trial and free sandbox access for evaluating tokenization capabilities.
Which platforms and deployment options are supported?
IXOPAY supports Android, iOS, web, and API access. Deployment is cloud-based.
How many payment providers and methods can it connect?
One API integration connects to more than 200 payment providers and over 300 payment methods.
What payment file formats and channels are supported?
File formats include CSV, XLSX, JSON, XML, and fixed-width files. Channels include online, mobile, point-of-sale, hosted payment pages, and server-to-server.
Who is IXOPAY designed for?
IXOPAY describes its customers as merchants and fintechs. Its white-label solution is designed for ISOs, PSPs, banks, ISVs, and payment facilitators.
Facts from IXOPAY's own pages
- Adapters
- IXOPAY advertises more than 500 pre-built payment adapters. · ixopay.com, 14 Oct 2026
- AI analytics
- IXOPAY says its AI analyzes payment events to detect anomalies, improve authorization, find fee savings and provide predictive analytics. · ixopay.com, 14 Oct 2026
- API security
- The Transaction API uses HTTPS JSON, TLS 1.2 or newer, Basic Authentication and optional signature and date headers. · documentation.ixopay.com, 14 Oct 2026
- Checkout options
- Checkout integrations include mobile SDKs, hosted payment pages, server-to-server APIs and Payment.js hosted fields. · ixopay.com, 14 Oct 2026
- Company founding
- LinkedIn lists IXOPAY as founded in 2014 and employing 201–500 people. · linkedin.com, 14 Oct 2026
- Company history
- IXOPAY's history page says its founding IXOLIT business began in Vienna in 2001. · ixopay.com, 14 Oct 2026
- Company legal entity
- The legal entity is IXOPAY GmbH, with a listed address in Vienna, Austria. · ixopay.com, 14 Oct 2026
- Developer documentation
- The Developer Hub contains getting-started guides, recipes, API references, an in-browser API explorer, user manuals and module documentation. · documentation.ixopay.com, 14 Oct 2026
- Developer resources
- The Developer Hub provides guides, recipes, an API explorer, API reference, and operating guides. · documentation.ixopay.com, 7 Oct 2026
- Encryption and access
- The security page says customer data is encrypted in transit and at rest, with multifactor authentication, audit logging and least-privilege access. · ixopay.com, 14 Oct 2026
- Founded
- 2014 · ixopay.com, 28 Sept 2026
- Hosting model
- IXOPAY describes its service as SaaS; the documentation describes browser-based access and does not document customer self-hosting. · ixopay.com, 14 Oct 2026
- Independent business limit
- Partnerkin says IXOPAY has no consumer wallet or cash network and that settlement occurs directly between merchants and underlying PSPs or acquirers. · partnerkin.com, 14 Oct 2026
- Independent product description
- Partnerkin describes REST and mobile APIs, smart routing, cascading, reconciliation, 200 PSP connectors and 300 payment methods. · partnerkin.com, 14 Oct 2026
- Intelligent routing
- Routing rules can use geography, transaction type, customer or card history, risk and provider conditions, with retries, fallback and load balancing. · ixopay.com, 14 Oct 2026
- ISO certification date
- An IXOPAY ISO 27001:2022 certificate was issued on June 26, 2026 and is stated to expire April 1, 2027. · ixopay.com, 14 Oct 2026
- Limit: authentication
- Some G2 reviewers describe password resets and development-region two-factor login as cumbersome. · g2.com, 14 Oct 2026
- Limit: public pricing
- GetApp shows no pricing information, free version or free trial for IXOPAY. · getapp.com, 14 Oct 2026
- Limit: reporting
- G2 reviewers report difficulty creating customer-specific monthly reports and say some history is limited to about 30 days. · g2.com, 14 Oct 2026
- Limit: Trustpilot complaint
- The sole Trustpilot reviewer alleged that scammers used IXOPAY and that support ignored or closed requests; this is an unverified individual allegation. · de.trustpilot.com, 14 Oct 2026
- Notable news
- IXOPAY announced an Agentic Suite launch on September 8, 2026. · ixopay.com, 14 Oct 2026
- Operations
- The platform automates reconciliation and reporting and provides shareable insights across finance, product, and operations teams. · ixopay.com, 7 Oct 2026
- Ownership news
- Crunchbase lists IXOPAY as acquired by TokenEx. · crunchbase.com, 14 Oct 2026
- Payment connections
- The platform connects to 200+ payment providers and 300+ payment methods through one API integration. · ixopay.com, 7 Oct 2026
Where IXOPAY stands on Freedom251
- Payment Hub Software#1 of 23
- Payment Tokenization Software#5 of 22
- Payment Software#7 of 29
- Payment Orchestration Platforms#8 of 26