Xmoney

What is Xmoney

Xmoney is a Colombia-based payment platform that helps merchants accept online payments across cards, bank transfers, digital wallets, and popular cash collection networks. The site presents a merchant focus on simplicity, quick onboarding, and tools that fit different sales channels such as websites, marketplaces, and social media. It lists a Bogotá address in its privacy policy, which signals its local presence in the region.

Payment Methods Customers Can Use

Xmoney highlights a broad mix of payment options so you can meet customers where they are:

• Cards: Visa, Mastercard, and American Express for straightforward card acceptance.

• Digital wallet: PayPal for buyers who prefer wallet checkouts.

• Bank transfers: PSE and SafetyPay for account-to-account payments that are common in Colombia and surrounding markets.

• Cash networks: options including Efecty and other partner points for cash-based customers, useful for omnichannel and COD-style flows.

These options are listed on the product page and give you coverage across common LATAM preferences, which can help reduce checkout friction for local buyers.

Built-in Checkout Tools For Faster Selling

Xmoney provides several out-of-the-box tools designed to fit different sales motions:

• Shopping Cart: add a cart experience to help buyers assemble multiple items before paying.

• Payment Form: send email-based payment requests with attachments such as invoices.

• Payment Link: share a link through social, SMS, or messaging so customers can pay from any device.

• API Integration: keep buyers on your own site and style the checkout to match your brand.

These tools aim to shorten time-to-live for basic setups and still support custom experiences when your team needs more control.

Quick or Standard Integration

If you want to go live fast, Xmoney describes a quick configuration by copying a prebuilt code snippet next to the products you sell. For more robust builds, the standard integration places the Xmoney checkout on your product, cart, and payment pages for maximum conversion flexibility.

Implementation Models: Aggregator or Gateway

Xmoney’s terms describe two ways to operate:

• Aggregator model: funds settle to Xmoney first, then Xmoney pays out to your bank account according to your commercial agreement.

• Gateway model: funds settle directly to your merchant account with your acquiring bank, and you negotiate commissions with both your bank and Xmoney.

This choice gives you a path whether you want a faster start with aggregation or direct settlement with your own acquirer.

Security and Compliance

Xmoney explains Strong Customer Authentication concepts on its site to help merchants understand multi-factor checks during the payment flow. It also references Verified by Visa and Mastercard SecureCode for additional security. In its terms, Xmoney notes that web-checkout transactions are handled under PCI DSS Level 1 standards, which is the highest assessment tier for card data handling. These signals are important for risk reduction and for answering customer security questions.

Pricing and Plans

For small and mid-sized businesses, Xmoney lists a 3.7 percent rate plus applicable taxes on approved transactions. There is a Business tier for companies invoicing more than 80 million COP per month, with custom offers. Transparent, posted pricing helps with initial evaluation and budgeting.

Payouts and Operations

Beyond the core payment features, Xmoney emphasizes practical operational benefits on its site:

• Unlimited withdrawals so you can request funds as often as needed.

• 24 by 7 personalized advisor access to keep your team supported outside standard office hours.

• Customer support hours for incidents that affect the entire platform are noted in the terms, with standard weekday and Saturday support published.

These service elements matter when you are planning go-live and ongoing operations.

Merchant Use Cases Xmoney Can Serve

• Direct-to-consumer brands that want to accept cards and PayPal while also giving local bank transfer and cash choices to reduce abandonment.

• Service businesses and B2B sellers that invoice clients or send payment links via email or messaging for faster collections.

• Marketplaces or social sellers that rely on link-based checkouts and need quick setup without heavy engineering.

• Established retailers seeking an API integration for full control over design and analytics while still leveraging Xmoney’s processing.

Advantages for Merchants

• Wide local coverage across cards, bank transfers, and cash networks, which broadens your addressable buyer base.

• Flexible integration paths from copy-paste snippets to API and a choice between Aggregator or Gateway operating models.

• Published SME pricing with a clear rate and a custom tier for higher volumes, useful for forecasting.

• Security posture that references PCI DSS Level 1 handling for web checkout, plus card scheme authentication measures.

Conclusion

Xmoney is positioned as a regional payment solution for merchants that need to offer the right mix of local methods in Colombia and nearby markets. With support for cards, PayPal, PSE and cash networks, plus link-based invoicing, cart, and API options, it covers common LATAM checkout journeys. Clear SME pricing, the option to run as an Aggregator or a Gateway, and references to PCI Level 1 handling and scheme authentication round out a merchant-friendly package.