PayXpert

ayXpert: An Overview For Merchants
PayXpert is an omnichannel payment service provider that offers card acquiring, alternative payment methods, risk controls, and reporting in a single platform. As a subsidiary of the Société Générale group, PayXpert focuses on optimizing authorization rates through multi-acquiring, smart routing, and data-driven risk tools. Merchants can use PayXpert for ecommerce, in-store, and remote payments with support for major cards and digital wallets, including Apple Pay and Google Pay.
What PayXpert Is And How It Works
PayXpert describes itself as an omnichannel payments partner that helps businesses accept payments online and in store while improving conversion and managing risk. The platform combines payment processing, routing, fraud control, reconciliation, reporting, and settlement. Its portfolio spans ecommerce checkout, POS terminals and mPOS, Pay by Link, and support for local and international payment methods. Security controls include PCI DSS Level 1 and ISO 27001 certifications, tokenization, and Dynamic 3D Secure.
Core Solutions From PayXpert
Ecommerce Payment Gateway
-
Optimized checkout with a responsive, brand-customizable payment page designed to reduce friction and present relevant methods by user location.
-
Payment method coverage across international card schemes and digital wallets, including Apple Pay and Google Pay.
-
Multiple use cases supported: one-time payments, subscriptions, Pay by Link, refunds, reservations, and MOTO.
-
Acceptance optimization via smart routing and cascading, underpinned by a multi-acquiring setup to increase approval rates.
-
Security with PCI DSS Level 1 and ISO 27001, plus Dynamic 3D Secure and fraud-prevention tooling.
In-Store And POS Payments
-
Terminals and apps for in-person acceptance with real-time transaction reporting and virtual receipts.
-
Operational visibility through a unified portal with analytics and integrated risk controls at the point of sale.
-
Support for QR and contactless experiences where applicable, helping serve cross-border shoppers alongside cards.
Pay By Link And Remote Payments
-
Pay by Link allows merchants to generate secure payment links and share them via email, SMS, chat, or social channels.
-
Suitable for remote invoicing, call center orders, and quick collection in service scenarios without a full checkout.
Subscriptions And Tokenization
-
Recurring billing capabilities for subscription models.
-
Tokenization converts card data into non-sensitive tokens, enabling one-click and recurring payments while reducing PCI scope.
Payment Methods And Local Acceptance
Cards And Wallets
-
International card schemes: Visa, Mastercard, American Express for proximity and online transactions.
-
Digital wallets: Apple Pay and Google Pay for convenient, device-based checkout.
Local And Regional Methods
-
Chinese payment coverage includes Alipay and WeChat Pay, paired with Chinese shopper marketing support for merchants serving this segment.
-
Local methods beyond cards are positioned as part of PayXpert’s approach to market expansion through methods customers know and trust.
Currencies And Languages
-
Multi-currency and multi-language capabilities are referenced across product pages. PayXpert highlights more than 30 supported currencies in its channels content and detects language and currency to tailor checkout where available.
Risk, Compliance, And Data Security
-
PCI DSS Level 1 certification and ISO 27001 are stated for the platform, covering card data handling and information security.
-
Dynamic 3D Secure and education around 3D Secure 2 are included within risk materials, indicating support for SCA workflows in regulated markets.
-
Risk engine features like velocity checks and flexible decisioning are designed to block fraud while maintaining conversion.
-
Tokenization and encryption help minimize exposure to sensitive data during storage and repeat charges.
Routing, Multi-Acquiring, And Acceptance Optimization
-
Multi-acquiring: PayXpert’s core proposition centers on connecting to multiple acquirers to improve resilience and coverage.
-
Smart routing: The gateway selects routes based on data to reduce declines and timeouts.
-
Cascading: If a transaction is referred, times out, or fails, it can be re-routed to alternative options to salvage the sale.
-
These capabilities are presented as ways to increase approval rates and stabilize performance during peak periods or when a single acquirer experiences issues.
Merchant Experience, Reporting, And Reconciliation
-
Unified back office: Merchants can monitor all channels in one portal.
-
Reconciliation and accounting module: Tools to automate invoice, revenue, and fee tracking are highlighted.
-
Advanced analytics: Filters, dashboards, and chargeback or refund monitoring support ongoing optimization and dispute management.
-
Support portal: Merchants receive credentials for the PayXpert support site for ticketing and knowledge base access.
Geographic Reach And Corporate Profile
-
Corporate: PayXpert states it is a subsidiary of the Société Générale group. Société Générale separately announced its plan to acquire a majority stake to strengthen payment acceptance for European retail and online merchants.
-
Market focus: The product positioning emphasizes support for cross-border commerce in Europe and acceptance for international shoppers, including Chinese consumers, through local methods alongside cards and wallets.
When PayXpert Fits Best
PayXpert is likely to be a strong candidate if your requirements include:
-
Omnichannel acceptance with a single provider across ecommerce, POS, and remote payments.
-
Acceptance optimization through multi-acquiring, smart routing, and cascading to reduce declines.
-
Subscription and repeat payments using tokenization and recurring billing.
-
Cross-border reach that blends international cards with wallets like Apple Pay and Google Pay, plus Chinese methods.
-
Centralized operations with unified reporting, reconciliation, and risk tooling across channels.
PayXpert: Frequently Asked Questions (FAQs)
What is PayXpert?
PayXpert is an omnichannel payment service provider offering ecommerce, in-store, and remote payment acceptance with risk controls, reporting, and reconciliation.
Which sales channels does PayXpert support?
PayXpert supports online checkout, POS and mPOS terminals for in-store payments, and remote options such as Pay by Link and MOTO.
What payment methods can I accept with PayXpert?
You can accept major card schemes and selected local methods, including Chinese wallets such as Alipay and WeChat Pay, subject to availability.
Does PayXpert offer multi acquiring, smart routing, and cascading?
Yes. PayXpert connects to multiple acquirers and provides smart routing and cascading to help improve authorization rates and resilience.
Does PayXpert support Apple Pay and Google Pay?
Yes. PayXpert supports Apple Pay and Google Pay for compatible devices and browsers where enabled.
Can I use PayXpert for subscriptions, tokenization, and Pay by Link?
Yes. PayXpert supports recurring billing, card tokenization for one-click and repeat payments, and Pay by Link for remote collection.
What security and compliance standards does PayXpert meet?
PayXpert states PCI DSS Level 1 and ISO 27001, supports 3D Secure flows, and offers tokenization and encryption to protect card data.
Does PayXpert publish pricing and fees publicly?
Specific rates are not broadly published. Merchants should request a tailored quote based on industry, volumes, and risk profile.
Where does PayXpert operate and what is its corporate background?
PayXpert focuses on European and cross-border commerce and is part of the Société Générale group.