# IXOPAY GmbH
*Also known as IXOPAY*

- Website: https://www.ixopay.com/
- Location: Vienna, Vienna, Austria
- Agent profile: https://directory.haycion.ai/agents/ixopay-com

> 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.

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.

## Products & Services

### [Payment Orchestration Platform](https://www.ixopay.com/products/payment-orchestration/platform)
*Platform*
Optimize and secure your payments with a unified orchestration platform for global transactions.

- **Online/In-App Checkout** — Facilitates Secure Transactions
- **Single API Connectivity** — Integrate Multiple Providers
- **Smart Routing** — Maximize Authorization Rates
- **Adapter Catalog** — Connect To 500+ Providers
- **Network + Universal Tokens** — Achieve Lower Costs & Higher Approvals
- **Reconciliation & Settlement** — Streamline Financial Reporting
- **Unified Reporting** — Simplify Data Insights
- **Unified Risk Rules** — Streamline Risk Management
- **Global Reach** — Expand Globally Effortlessly
- **Cross-channel Tokenization** — Unify Data Across Channels
- **Token Vaulting** — Reduce PCI Scope Simplification
- **AI-Driven Payments Insights** — Transform Data into Actionable Insights
- **Rapid Provider Onboarding** — Onboard New Providers Quickly
- **Pre-built PSP Connections** — Accelerate PSP Integrations
- **Adaptive Payment Connections** — Enhance Provider Flexibility
- **Customizable Payment Interfaces** — Enhance Brand Recognition

### [Point-to-Point Encryption (P2PE)](https://www.ixopay.com/products/payment-modules/p2pe)
*Product*
Enhance security and reduce PCI scope with validated point-to-point encryption for payment data.

- **PCI Scope Reduction** — Minimize Compliance Burden
- **PCI-Validated P2PE** — Secure Payment Data Transmission
- **Universal Tokens** — Enhance Data Security
- **Device Flexibility** — Utilize Any PCI-Approved Device
- **Processor Flexibility** — Gain Processing Freedom

### [Reconciliation & Settlement](https://www.ixopay.com/products/payment-modules/reconciliation-and-settlement)
*Product*
Optimize transaction data exchange and financial reporting with automated reconciliation features.

- **Automated Reconciliation** — Streamline Data Processing
- **Unified Data Format** — Streamline Financial Reporting
- **Conflict Resolution** — Eliminate Discrepancies
- **Scheduled Data Feeds** — Automate Data Delivery

### [Risk & Fraud Services](https://www.ixopay.com/products/payment-modules/risk-fraud-services)
*Product*
Enhance payment security, boost authorization rates, and minimize fraud exposure with IXOPAY's Risk & Fraud Services.

- **Risk Management Engine** — Control Risk
- **Conversions Protection** — Boost Conversions
- **Custom Risk Profiles** — Personalize Protection
- **Third-Party Integrations** — Streamline Integration
- **Unified Reporting** — Simplify Analysis

### [AI Payments Intelligence](https://www.ixopay.com/products/payment-modules/ai-payments-intelligence)
*Product*
Optimize payments with AI-driven insights and automate reconciliation for improved acceptance rates.

- **AI-Powered Insights** — Leverage AI For Actionable Insights
- **Fee Intelligence** — Analyze Fees For Optimization
- **Automated Reconciliation** — Automate Reconciliation Processes
- **No-Code Integrations** — Integrate Without Custom Coding
- **Predictive Analytics** — Utilize Predictive Analytics
- **Pre-Chargeback Alerts** — Prevent Disputes With Alerts

### [Improve Authorization Rates](https://www.ixopay.com/solutions/improve-authorization-rates)
*Solution*
Enhances revenue by boosting transaction authorization rates and minimizing declines.

- **Intelligent Routing** — Optimizes Payment Routing
- **Current Data Maintenance** — Updates Card Details Regularly
- **Unified Fraud Protection** — Enhances Security Measures
- **Scalability** — Connects to Multiple Providers
- **Minimize False Declines** — Improves Customer Experience
- **Automatic Smart Retry** — Increases Successful Transactions

### [Get to Revenue Faster](https://www.ixopay.com/solutions/get-to-revenue-faster)
*Solution*
Accelerate revenue growth through optimized payments and improved authorization rates.

- **Better Authorization Rates** — Maximize Approvals
- **Cost Reduction** — Reduce Transaction Costs
- **Scalability** — Support Global Expansion
- **Faster Time-to-Market** — Accelerate Deployments

### [Add Any Payment Processor](https://www.ixopay.com/solutions/add-any-payment-processor)
*Solution*
Streamline payment integration with a unified connection to any provider while reducing management complexity.

- **200+ Acquirers** — Access Global Network
- **Single API Integration** — Simplify Integration Process
- **Ecosystem Reach** — Expand Payment Options
- **Rapid Deployment** — Accelerate Market Entry

### [Become PCI Compliant](https://www.ixopay.com/solutions/become-pci-compliant)
*Solution*
Streamline PCI compliance and reduce scope through advanced tokenization solutions.

- **Data Security** — Protect Sensitive Data
- **PCI DSS Support** — Streamline Compliance Process
- **PCI Scope Reduction** — Reduce Audit Complexity
- **Compliance Center Support** — Access Expert Guidance

### [Own Your Payment Data](https://www.ixopay.com/solutions/own-your-payment-data)
*Solution*
Take control of your payment data to unlock growth potential and avoid vendor lock-in.

- **Data Portability** — Ensure Control Over Your Data
- **Vendor Lock-in Reduction** — Eliminate Vendor Lock-in
- **Global Scalability** — Expand Into New Markets
- **Universal Tokens** — Enhance Data Security

## Market Segments

- **Payment orchestration**: Capabilities that centralize provider connectivity and adapters, expose a single API, and manage transaction routing and provider switching for global payments.
- **Authorization optimization**: Capabilities that increase approval rates and conversion via intelligent routing, automatic retries, current data maintenance, and routing policies.
- **Payments analytics and reconciliation**: Capabilities that transform fragmented payment data into operational and financial insight, including automated reconciliation, fee intelligence, predictive analytics, and unified reporting for settlement and finance workflows.
- **Payment data tokenization and portability**: Capabilities that tokenize, vault, and enable portability of payment credentials across providers and channels to reduce PCI scope and avoid vendor lock-in.
- **PCI compliance and encryption**: Capabilities to reduce PCI scope and protect cardholder data using network and universal tokens, PCI-validated point-to-point encryption, and compliance support resources.
- **Payment risk and fraud management**: Capabilities that centralize risk rules, integrate third-party fraud vendors, and apply custom risk profiles and rules engines to prevent fraud and lower chargebacks while preserving conversions.