{"schemaVersion":1,"profileUrl":"https://nowen.ai/agents/ixopay-com","markdownUrl":"https://nowen.ai/agents/ixopay-com.md","jsonUrl":"https://nowen.ai/agents/ixopay-com.json","name":"IXOPAY GmbH","nickname":"IXOPAY","website":"https://www.ixopay.com/","location":"Vienna, Vienna, Austria","address":{"city":"Vienna","state":"Vienna","country":"Austria"},"industry":"Payments Technology","status":{"trust":"unclaimed","text":"Unclaimed: compiled by Nowen from public sources, not reviewed by the company"},"updatedAt":"2026-09-06T23:33:23.906Z","summary":"IXOPAY provides a merchant-owned payments platform that tokenizes data, orchestrates multi-provider payments, and delivers AI-driven insights to help merchants own and optimize their payments.","description":"IXOPAY is a Vienna-based fintech company delivering a merchant-owned payments platform that unifies tokenization, payment orchestration, and AI-driven insights. The company focuses on empowering merchants to own and control their payment data, reduce PCI scope, and streamline cross‑channel payments across multiple providers and methods. IXOPAY positions itself as protocol-agnostic, offering a resilient orchestration layer that enables smart routing, automated reconciliation, and broad integration with acquirers, gateways, and payment methods worldwide. Its audience includes merchants of various sizes and segments seeking secure, scalable, and compliant payments that work across e-commerce, retail, travel, healthcare, and other industries. The platform emphasizes security, privacy, and trust, with certifications and governance programs to protect sensitive information. By combining tokenization with AI-driven payment intelligence, IXOPAY aims to turn payments into a growth engine—helping businesses improve authorization rates, fight fraud, and unlock new revenue opportunities while maintaining portability and vendor flexibility.","mission":"IXOPAY’s mission is to empower merchants to own their payments data, reduce PCI scope, and accelerate revenue with an agentic, tokenized, AI-driven payments orchestration platform.","directory":{"industryName":"Payments Technology","agentCount":48,"indexable":true,"hubUrl":"https://nowen.ai/industry/payments-technology"},"aiReaderFamilies":["Amazon"],"products":[{"name":"Payment Orchestration Platform","type":"Platform","url":"https://www.ixopay.com/products/payment-orchestration/platform","summary":"Optimize and secure your payments with a unified orchestration platform for global transactions.","description":"IXOPAY's Payment Orchestration Platform provides a single integration to connect to a global network of payment service providers, acquirers, and processors. It unifies tokenization, orchestration, and AI-driven payments insights to optimize payments across channels and geographies. The platform supports online and in-app checkout, secure data handling, and real-time transaction review, routing decisions, and reconciliation, all managed through a single API. It enables unified data reporting across ERP/CRM and centralizes risk rules for all transactions, while offering scalable connectivity to the wider payments ecosystem. By consolidating multiple providers and data silos, it reduces development effort, accelerates time-to-value, and improves authorization performance and cost efficiency.","pricing":{},"features":[{"name":"Online/In-App Checkout","value":"Facilitates Secure Transactions","valueDescription":"Enables seamless payment experiences in both online and app environments."},{"name":"Single API Connectivity","value":"Integrate Multiple Providers","valueDescription":"Reduces time and effort to connect with various payment processors and services."},{"name":"Smart Routing","value":"Maximize Authorization Rates","valueDescription":"Enhances transaction success rates by directing payments to optimal providers."},{"name":"Adapter Catalog","value":"Connect To 500+ Providers","valueDescription":"Access a wide range of payment services and enhance flexibility with ready-to-use integrations."},{"name":"Network + Universal Tokens","value":"Achieve Lower Costs & Higher Approvals","valueDescription":"Utilizes both token types to optimize costs while maximizing transaction approval rates, leading to improved business outcomes."},{"name":"Reconciliation & Settlement","value":"Streamline Financial Reporting","valueDescription":"Automating the reconciliation process improves efficiency, allowing staff to focus on critical tasks and minimizing human error."},{"name":"Unified Reporting","value":"Simplify Data Insights","valueDescription":"Offers a comprehensive view of financial performance across all payment transactions."},{"name":"Unified Risk Rules","value":"Streamline Risk Management","valueDescription":"Facilitates consistent security measures and fraud prevention protocols across all transactions."},{"name":"Global Reach","value":"Expand Globally Effortlessly","valueDescription":"Quickly adapt to new markets with tailored solutions and localized payment methods."},{"name":"Cross-channel Tokenization","value":"Unify Data Across Channels","valueDescription":"Enhances data consistency and transaction success by allowing token acceptance across various payment methods and platforms."},{"name":"Token Vaulting","value":"Reduce PCI Scope Simplification","valueDescription":"Minimizes the security and compliance burden by storing tokens rather than sensitive payment information."},{"name":"AI-Driven Payments Insights","value":"Transform Data into Actionable Insights","valueDescription":"Optimizes payment strategies based on analytical data to improve revenue."},{"name":"Rapid Provider Onboarding","value":"Onboard New Providers Quickly","valueDescription":"Easily integrate additional payment service providers to streamline payment processing."},{"name":"Pre-built PSP Connections","value":"Accelerate PSP Integrations","valueDescription":"Enables quick onboarding to various payment service providers, streamlining the payment processing setup for businesses."},{"name":"Adaptive Payment Connections","value":"Enhance Provider Flexibility","valueDescription":"Empowers users to adapt their payment processing strategies without dependency concerns, ensuring competitive edge."},{"name":"Customizable Payment Interfaces","value":"Enhance Brand Recognition","valueDescription":"Tailors the payment experience to align with business branding and customer expectations."}]},{"name":"Point-to-Point Encryption (P2PE)","type":"Product","url":"https://www.ixopay.com/products/payment-modules/p2pe","summary":"Enhance security and reduce PCI scope with validated point-to-point encryption for payment data.","description":"Point-to-Point Encryption reduces PCI scope and heightens card data security by encrypting data at the payment device and decrypting it securely for processing. PCI-validated P2PE enables use of PCI-approved devices across channels and tokenized data usage for future transactions.","pricing":{},"features":[{"name":"PCI Scope Reduction","value":"Minimize Compliance Burden","valueDescription":"By limiting sensitive data exposure, the burden of PCI compliance is significantly decreased."},{"name":"PCI-Validated P2PE","value":"Secure Payment Data Transmission","valueDescription":"Encrypts card data from the collection point to the processing environment, ensuring security."},{"name":"Universal Tokens","value":"Enhance Data Security","valueDescription":"Tokens represent transactions, shielding sensitive data from storage and processing."},{"name":"Device Flexibility","value":"Utilize Any PCI-Approved Device","valueDescription":"Easily integrate new POS hardware or maintain current devices while ensuring compliance."},{"name":"Processor Flexibility","value":"Gain Processing Freedom","valueDescription":"Switch or add new processors seamlessly to optimize transaction success."}]},{"name":"Reconciliation & Settlement","type":"Product","url":"https://www.ixopay.com/products/payment-modules/reconciliation-and-settlement","summary":"Optimize transaction data exchange and financial reporting with automated reconciliation features.","description":"Automate the reconciliation process and standardize transaction data from disparate providers. The post-processing engine consolidates formats, resolves conflicts, and supports scheduled ETL data feeds to ERP/CRM systems, enabling faster, more accurate financial reporting.","pricing":{},"features":[{"name":"Automated Reconciliation","value":"Streamline Data Processing","valueDescription":"Automating the reconciliation process improves efficiency, allowing staff to focus on more critical tasks and minimizing human error."},{"name":"Unified Data Format","value":"Streamline Financial Reporting","valueDescription":"Displaying transaction data in a uniform format simplifies the reporting process, facilitating quicker insights into financial performance."},{"name":"Conflict Resolution","value":"Eliminate Discrepancies","valueDescription":"Easily manage identified conflicts like inaccurately calculated transaction fees or missing reconciliation data through a user-friendly interface."},{"name":"Scheduled Data Feeds","value":"Automate Data Delivery","valueDescription":"Set scheduled jobs for ETL processes, ensuring third-party systems receive necessary data without manual intervention."}]},{"name":"Risk & Fraud Services","type":"Product","url":"https://www.ixopay.com/products/payment-modules/risk-fraud-services","summary":"Enhance payment security, boost authorization rates, and minimize fraud exposure with IXOPAY's Risk & Fraud Services.","description":"A modular risk and fraud prevention solution that reduces fraud, increases authorization rates, and lowers chargebacks. Includes a custom rules engine, third-party integrations, and centralized reporting.","pricing":{},"features":[{"name":"Risk Management Engine","value":"Control Risk","valueDescription":"Create custom risk profiles based on transaction attributes to reduce fraudulent activities."},{"name":"Conversions Protection","value":"Boost Conversions","valueDescription":"Effective fraud management minimizes chargebacks and false declines, enhancing revenue opportunities."},{"name":"Custom Risk Profiles","value":"Personalize Protection","valueDescription":"Enhance security measures by adapting to specific transaction characteristics and patterns."},{"name":"Third-Party Integrations","value":"Streamline Integration","valueDescription":"Easily connect with leading fraud solutions to enhance your security posture without extensive development effort."},{"name":"Unified Reporting","value":"Simplify Analysis","valueDescription":"Get a comprehensive view of fraud metrics and risk data to optimize your fraud management strategies."}]},{"name":"AI Payments Intelligence","type":"Product","url":"https://www.ixopay.com/products/payment-modules/ai-payments-intelligence","summary":"Optimize payments with AI-driven insights and automate reconciliation for improved acceptance rates.","description":"AI-powered payments insights that transform fragmented data into actionable growth. Features include AI-driven reconciliation, fee intelligence, predictive analytics, and no-code data integration to provide visibility and optimization from day one.","pricing":{},"features":[{"name":"AI-Powered Insights","value":"Leverage AI For Actionable Insights","valueDescription":"Utilize artificial intelligence to gain real-time insights, improving transaction acceptance and optimizing overall payment efficiency."},{"name":"Fee Intelligence","value":"Analyze Fees For Optimization","valueDescription":"Automatically break down transaction fees, identify hidden costs, and monitor trends to optimize overall transaction expenses."},{"name":"Automated Reconciliation","value":"Automate Reconciliation Processes","valueDescription":"Reduce manual efforts and errors through automated reconciliation of transaction records, enhancing financial accuracy."},{"name":"No-Code Integrations","value":"Integrate Without Custom Coding","valueDescription":"Easily connect to multiple payment service providers without needing complex coding, simplifying the integration process."},{"name":"Predictive Analytics","value":"Utilize Predictive Analytics","valueDescription":"Analyze historical data to forecast future payment trends, enabling better decision-making and strategic planning."},{"name":"Pre-Chargeback Alerts","value":"Prevent Disputes With Alerts","valueDescription":"Receive timely notifications of potential chargebacks, enabling proactive measures to mitigate disputes."}]},{"name":"Improve Authorization Rates","type":"Solution","url":"https://www.ixopay.com/solutions/improve-authorization-rates","summary":"Enhances revenue by boosting transaction authorization rates and minimizing declines.","description":"A solution focused on improving authorization rates through current card data, intelligent routing, and unified fraud protection to reduce declines and boost conversions.","pricing":{},"features":[{"name":"Intelligent Routing","value":"Optimizes Payment Routing","valueDescription":"Direct transactions to the best payment provider considering card and customer data, geographic parameters, and risk classification to enhance conversions."},{"name":"Current Data Maintenance","value":"Updates Card Details Regularly","valueDescription":"Leverage solutions like Account Updater and Network Tokenization for always current card details, ensuring seamless transactions."},{"name":"Unified Fraud Protection","value":"Enhances Security Measures","valueDescription":"Employ advanced protocols like 3DS and real-time fraud detection to improve authentication and customer trust."},{"name":"Scalability","value":"Connects to Multiple Providers","valueDescription":"Expand your business globally with easy access to a wide range of payment service providers."},{"name":"Minimize False Declines","value":"Improves Customer Experience","valueDescription":"Enhance processing accuracy and control fraud definitions using the Risk Management Engine, leading to better authorizations."},{"name":"Automatic Smart Retry","value":"Increases Successful Transactions","valueDescription":"Configure automatic retries to recover revenue from declined transactions through a predefined number of attempts."}]},{"name":"Get to Revenue Faster","type":"Solution","url":"https://www.ixopay.com/solutions/get-to-revenue-faster","summary":"Accelerate revenue growth through optimized payments and improved authorization rates.","description":"A solution to accelerate revenue growth by improving authorization rates, reducing friction, and enabling faster time-to-market with scalable, multi-provider payments.","pricing":{},"features":[{"name":"Better Authorization Rates","value":"Maximize Approvals","valueDescription":"Improve the chances of transaction acceptance by leveraging intelligent routing based on provider performance and customer data."},{"name":"Cost Reduction","value":"Reduce Transaction Costs","valueDescription":"Optimize payment flows to minimize costs attributed to transaction fees and reduce operational overhead."},{"name":"Scalability","value":"Support Global Expansion","valueDescription":"Adapt and grow with the rapidly changing global e-commerce landscape by connecting to 200+ payment service providers."},{"name":"Faster Time-to-Market","value":"Accelerate Deployments","valueDescription":"Streamline the integration of various payment processors, allowing businesses to launch in new markets swiftly."}]},{"name":"Add Any Payment Processor","type":"Solution","url":"https://www.ixopay.com/solutions/add-any-payment-processor","summary":"Streamline payment integration with a unified connection to any provider while reducing management complexity.","description":"Connect to any provider through a single API, reducing development time and enabling rapid expansion with an ecosystem of adapters and 200+ acquirers.","pricing":{},"features":[{"name":"200+ Acquirers","value":"Access Global Network","valueDescription":"Seamlessly connect to a wide array of acquirers and payment methods across diverse markets."},{"name":"Single API Integration","value":"Simplify Integration Process","valueDescription":"Reduce operational complexity with a single integration point for all payment needs."},{"name":"Ecosystem Reach","value":"Expand Payment Options","valueDescription":"Target local markets with preferred payment methods and enhance customer satisfaction."},{"name":"Rapid Deployment","value":"Accelerate Market Entry","valueDescription":"Enable faster business expansion by connecting to providers in minutes."}]},{"name":"Become PCI Compliant","type":"Solution","url":"https://www.ixopay.com/solutions/become-pci-compliant","summary":"Streamline PCI compliance and reduce scope through advanced tokenization solutions.","description":"Assists in achieving PCI compliance posture and reducing PCI scope through tokenization, network tokens, and secure data handling within IXOPAY’s platform.","pricing":{},"features":[{"name":"Data 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recompiling or re-tokenizing, thereby avoiding vendor lock-in.","pricing":{},"features":[{"name":"Data Portability","value":"Ensure Control Over Your Data","valueDescription":"Easily switch or add providers without disrupting your business, maintaining control over vital payment information."},{"name":"Vendor Lock-in Reduction","value":"Eliminate Vendor Lock-in","valueDescription":"Adapt your payment strategy to evolving market conditions without being constrained by a single provider."},{"name":"Global Scalability","value":"Expand Into New Markets","valueDescription":"Seamlessly launch in new regions by accessing a wide range of payment methods and providers instantly."},{"name":"Universal Tokens","value":"Enhance Data Security","valueDescription":"Keep sensitive payment data off internal systems while maintaining compliance and flexibility."}]}],"audiences":[],"segments":[{"name":"Payment orchestration","description":"Capabilities that centralize provider connectivity and adapters, 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