X

Xplor Pay

by Xplor Technologies
No reviews yet
ActiveAvailable globallyCloudOn-premise
Quick facts
VendorXplor Technologies
Year launchedN/A
StatusActive
LocationClearent headquarters: 1395 Clayton Road, Suite 300 St. Louis, MO 63117
Countries servedGlobal
Languages10
Integrations14+
Free tierNO
Free trialNO
Contact salesYES
Last reviewed: Jun 2026

About Xplor Pay

A full-service embedded payment processing platform for vertical SaaS platforms and SMBs. Offers transaction, reporting, and boarding APIs, mobile SDKs, and point-of-sale solutions to manage payments, recurring billing, and merchant financing.

Xplor Pay, formerly known as Clearent, is a comprehensive payment processing and embedded finance platform tailored for vertical SaaS providers and SMBs. It offers a robust suite of tools including transaction, reporting, and boarding APIs, alongside a mobile SDK, allowing software platforms to integrate payment functionality directly into their own applications. For SMBs, Xplor Pay provides an omni-channel point-of-sale system, virtual terminals, and automated invoicing, making it a versatile choice for retail, healthcare, and field service businesses. The platform is highly regarded for its consultative approach, offering flexible partnership models that range from referral to full PayFac-as-a-Service (PFaaS). While the platform is feature-rich, its enterprise-grade capabilities are best suited for businesses looking for deep integration and scalability. Support is provided through dedicated account management and technical teams, and the company maintains a strong focus on security with PCI-compliant infrastructure. Buyers should note that while the platform is global, specific pricing is typically customized based on the partnership model and transaction volume.

Pros & Cons

Pros
  • Offers flexible partnership models including PayFac-as-a-Service for SaaS platforms.
  • Provides a wide range of integration options including APIs and mobile SDKs.
  • Supports omni-channel payment acceptance across in-store, online, and mobile environments.
  • Includes value-added services like merchant financing and automated invoicing.
  • Dedicated support and consultative approach for partners and merchants.
Cons
  • Pricing is not publicly listed and requires contact with sales for custom quotes.
  • Enterprise-focused features may have a steeper learning curve for smaller businesses.
  • Integration complexity varies depending on the chosen partnership model.

Features

Key features

Embedded Payment APIs

Provides transaction, reporting, and boarding APIs for SaaS platforms to integrate payment processing directly into their software.

Omni-Channel Point of Sale

Supports in-store, online, and mobile payment acceptance through a unified platform.

Recurring Billing Solution

Automates subscription billing and recurring payment collection for businesses.

Mobile Payments SDK

Enables secure credit card acceptance on mobile devices via Bluetooth readers.

Merchant Financing

Offers fast financing options to help businesses manage cash flow and growth.

Additional features

Cash Discounting

Helps merchants save on processing fees by offering cash-based pricing.

Payment Protection

Implements multi-layered security including tokenization and PCI-validated encryption.

Smart Invoicing

Automates and simplifies the invoicing process for SMBs.

Gift Cards and Loyalty

Provides tools to implement and manage customer loyalty and gift card programs.

Virtual Terminal

Allows merchants to accept payments online or over the phone without a physical reader.

Dispute Management API

Offers built-in tools for SaaS providers to handle and resolve payment disputes.

Text to Pay

Enables merchants to accept payments via secure text links.

Hosted Payments

Provides a secure page for online payment acceptance.

Pricing

Free trial
Free version
Request a quote
Promo Offer

Countries & Languages

Global
Countries served
10
Interface languages
12
Billing currencies

Interface languages

EnglishSpanishFrenchGermanItalianPortugueseDutchChineseJapaneseKorean.

Billing currencies

🇺🇸USD🇪🇺EUR🇬🇧GBP🇦🇺AUD🇨🇦CAD🇯🇵JPY🇸🇬SGD🇭🇰HKD🇨🇭CHF🇨🇳CNY🇮🇳INR🇲🇽MXN

No reviews yet

Be the first to drop a review

Alternatives to Xplor Pay

WebPay logo

WebPay

WebPay is a payment gateway software from WebPay that provides a full-featured solution for processing…

Verifi Global Payment Gateway logo

Verifi Global Payment Gateway

Verifi Global Payment Gateway is a payment processing platform from Visa that provides secure transaction…

Vella logo

Vella

Vella is a multi-currency banking software from Vella Finance that provides a convenient banking use.…

Moniepoint logo

Moniepoint

4.3(4)

Moniepoint is a financial management software from Moniepoint Microfinance Bank that supports small business transactions.…

Chargeback logo

Chargeback

Chargeback is an automated chargeback prevention service that alerts merchants to incoming disputes, allowing for…

Zynk logo

Zynk

Zynk is a payment infrastructure platform from Zynk that enables businesses to make global payments…

Spot something wrong or outdated?

Suggest a correction — a reviewer verifies every change.

Often compared with Xplor Pay

Compare any two tools →
WebPay logo
WebPay
eCommerce
0.0
Verifi Global Payment Gateway logo
Verifi Global Payment Gateway
Payment Gateway
0.0
Vella logo
Vella
Treasury Management
0.0
Moniepoint logo
Moniepoint
Point of Sale
4.3 (4)