Online businesses traditionally incur a number of additional charges from card processors.

The cost for trading online are often higher with many processors levying additional charges for this service.  Some of this comes down to fraud risks, chargebacks risks and additional costs from the card schemes (Visa/MasterCard) however often the additional costs passed to a merchant are not in line with the costs incurred by the processor.

Using our network of suppliers we are able to ensure a strong and fair rate for processing, and reducing these fees.

Sometimes the nature and way a card is transacted can be part of the problem, and assessment and understanding of systems is key. 

Compliance is a big factor in this field, with new regulations Secure Customer Authentication (SCA) and Payment Services Directive 2 (PSD2) affecting this area.  Many gateways are not yet compliant and the deadline for this is fast approaching.

We can integrate with almost any payment gateway to provide a cost effective switch without affecting your current integrations and systems, or we can offer gateway services through select providers.

We can therefore offer savings on your current solutions, or a complete overhaul and deep dive into your requirements t ensure the best fit of solutions to grow your business.  Be this into new markets, internationally, driving repeat business, subscription models, one click payments, etc.

Changing gateways can be beneficial to save both cost and enhance functionality, so understanding where your business is headed is important to us and ensuring the best solutions are provided.  We work with and have preferential rates with selected gateways to provide the best solutions and costs.

Xtra Payments services include:

  • Merchant ID changes – cost savings and aligning more suitable providers for your requirements

  • Hosted Payment Pages, API, iFrame, Restful API integrations, and Virtual Terminals (MOTO/phone payments)

  • Alternative payment methods such as ApplePay – make payments more frictionless and increase sales

  • Tokenisation – one click payments – allow repeat and loyal custoemrs to pay with ease

  • Mobile optimised payment gateways

  • Recurring transactions – increase your revenue from repeat and regular business

  • Split auth and settlement

  • Restful API integrations – slick and faster integrations perfect for mobile

  • Cost effective alternatives to PayPal and Stripe