Unified integration
Keep your application connected to a consistent XaraPay interface instead of spreading provider-specific logic across your product.
Payment technology. Built to connect.
One payment layer.
More freedom to grow.
XaraPay is a flexible payment technology and orchestration platform that connects merchant applications with approved payment service providers and acquiring partners through one streamlined integration layer.
Security-first architecture
Provider-agnostic integration
XARAPAYPayment flow
ReadyMerchantCheckout
Payment layerXaraPay
Approved partnerPSP / Acquirer
Payment request#XP-84A19
IntegrationAPI
EventsWebhooks
RoutingRules
↗
ModularPayment flows
✓
ControlOne integration layer
XaraPay provides payment technology and orchestration. It does not provide acquiring services or hold merchant funds.
The XaraPay layer
Payments should connect your stack, not complicate it.
XaraPay sits between your application and the payment partners approved for your business, helping you keep a consistent technical layer while your payment setup evolves.
Your business
01
CheckoutWeb & application flows
02
SubscriptionsRecurring lifecycle
03
RefundsUnified actions
XaraPayOrchestration layerApproved partners
A
Payment providersProvider connectivity
B
Acquiring partnersMerchant-approved routes
C
Payment methodsBased on provider setup
Capabilities
A cleaner way to build payment experiences.
Designed to reduce payment-specific complexity inside merchant applications while keeping each processor and acquiring relationship transparent and correctly scoped.
Configurable routing
Create a routing-ready payment architecture where each merchant or vertical can use only the providers that have actually approved it.
Transaction lifecycle
Bring payment creation, status updates, refunds and operational references into a coherent technical flow.
Extensible by design
Add or replace payment connections as the merchant's approved processing setup changes, without redesigning the entire application.
Events, callbacks and visibility
Use structured server-to-server events to keep merchant systems aligned with the payment status reported by the connected provider.
How it works
From your product to the right payment partner.
XaraPay keeps the technical journey clear while the regulated payment relationship remains between the merchant and its approved providers.
01
Connect
Your site or application sends a standardized payment request to XaraPay.
02
Orchestrate
The payment layer applies the configured flow and passes the request to the appropriate approved connection.
03
Process
The approved payment provider or acquirer processes the transaction under its own merchant relationship.
04
Update
XaraPay returns status information and events so the merchant application can update its customer experience.
Security & responsibility
Designed for clear boundaries and controlled payment flows.
Good payment architecture is not about hiding who is processing a transaction. XaraPay is designed to hide technical complexity from merchant applications while keeping the merchant, payment provider and acquiring relationship transparent.
✓
Server-side integration
Payment operations and status events are designed around authenticated back-end communication.
✓
Provider-managed sensitive data
Where applicable, sensitive payment data can remain within the approved provider's compliant payment environment.
✓
Merchant-specific approval
Routing must respect the actual providers and acquirers that have approved the merchant or business model.
CORE PRINCIPLETechnology should simplify integrations — not obscure accountability.
Payment support
Did you make a payment through XaraPay?
If XaraPay appears in connection with a payment and you need help identifying or reviewing it, send us the transaction details you have available. Our support team typically responds within 2–3 business days.
Get payment supportContact XaraPay
Tell us what you need.
Whether you are exploring a payment integration, discussing a technology partnership, or requesting help with an existing transaction, send us a message.
Emailsupport@xarapay.com
Technology scopePayment gateway & orchestration
XaraPay is a payment technology and orchestration platform. XaraPay does not provide acquiring services, does not issue payment accounts and does not hold merchant funds. Payment processing is performed by the merchant's approved payment service provider and/or acquiring partner, subject to their terms and compliance requirements.