The ISV & SaaS payment platform that monetizes payments. And drives adoption inside your customer base.
An ISV-first payment gateway and platform that lets you monetize the payments your customers already make. White-label boarding, compliance handled. And our turnkey team works your existing customer base to drive payments adoption and lift your attach rate.
“Xplor Pay’s automated onboarding pushed our average processing volume per active terminal up 1,500%.”
The payments-revenue gap
Payments can be 40–70% of a software company’s revenue. Most platforms barely capture it.
Four reasons it slips through:
Becoming your own Payment Facilitator means 12 to 18 months of compliance work and 100% of the regulatory weight on you. Not a starter strategy. (Bain.)
Bad rev share, opaque pricing, and merchants you can’t take with you when you switch. A 5-year mistake made in a 2-week vendor selection.
PCI DSS, KYC/KYB, chargebacks. Months of engineering effort that doesn’t ship a single feature your customers asked for.
The quiet killer. Most platforms integrate payments, announce it, then stall at take rates of 10% or less, because launching and actually filling it are two different jobs. (Infinicept.)
The way out isn’t becoming a Payment Facilitator yourself. It’s monetizing payments on rails that already exist, with a partner who works your customer base to drive adoption.
How it works
Monetize payments in your software. Without becoming a Payment Facilitator.
You keep the brand, the experience, and the customer relationship. We carry the rails, the compliance, and the payments-adoption work inside your customer base.
We own the rails
Xplor Pay is a direct US processor and acquirer (Clearent, since 2005), not a layer sitting on someone else’s acquirer. Fewer layers means better economics, faster decisions, and underwriting and risk teams you can actually call.
Revenue share that scales
Transparent interchange-plus, no tiered ladders or hidden fees, with a share of processing margin that grows with your volume. We model your exact economics on your real numbers before you commit.
White-label boarding, built in
Your brand, your UI, your customer relationship. White-label merchant onboarding built in. One integration, every channel: card, ACH, and digital wallets.
Compliance & risk, handled
Tokenization and PCI-Validated Point-to-Point Encryption can even remove your PCI scope as a software provider. We hold PCI, KYC/KYB, chargebacks, and disputes. You ship software.
We drive payments adoption with your customers
This is the part no infrastructure provider can match. Through our turnkey model, our go-to-market team works your existing customer base to close payments deals for you, so your attach rate actually moves. It’s how partners reach 95%+ attach instead of the ~10% most settle for.
Proof
We’ve monetized payments on ourselves.
We run 20 of our own software platforms on this model. This isn’t just tooling we sell. It’s payments revenue we built for ourselves. And we’ve been a direct US processor for more than 20 years, while every infrastructure-only competitor is a 2010s–2020s startup.
processing volume per location after launch, with a dental partner. That’s adoption, not just access.
in annual interchange savings for a healthcare partner. Better rails, better economics.
“I love how they work with my clients. The all-in-one portal is huge, and they were one of the first to have it.”
Trusted by ISVs across: dental practice management · field service · restaurant POS · retail · multi-vertical SaaS.
How we compare
Why give your payments revenue and control away?
Xplor Pay next to the other ISV / embedded-payments providers.
| Stripe Connect | Tilled | Finix | Stax Connect | Xplor Pay Best fit | |
|---|---|---|---|---|---|
| Owns the payment rails (is the processor) | No | No | No | No | Direct US processor |
| Closes merchants for you (adoption) | No | No | No | Helps you market | We close deals for you |
| Rev share that scales with volume | Volume-gated | Fixed tiers | Configurable | Tiered | Modeled to your volume |
| Direct underwriting & risk access | Automated | Via acquirer | Via acquirer | Via acquirer | Our own teams, directly |
| Operator track record | Founded 2010 | Newer entrant | Founded 2015 | Founded 2014 | 20+ yrs, 20 owned platforms |
| Dedicated ISV partner team | Self-serve | Limited | Yes | Yes | 800+ partners supported |
Swipe to compare →
Comparison reflects each provider’s publicly stated positioning as of May 2026. Offerings vary by program.
Straight answers
ISV payment questions, answered straight.
How fast can we go live?
The technical integration is days on standard REST APIs; the rest is underwriting, beta-merchant onboarding, and reporting setup. Because the rails, registration, and risk infrastructure already exist, partners go live in weeks, not months. You’ll have a clear timeline before you sign anything.
What’s the revenue share?
Transparent interchange-plus with a share of processing margin that scales with your volume, not tiered ladders. Because we own the rails, fewer layers take a cut along the way. We model your exact economics on your real numbers before you commit, so you see the math instead of a vague “it depends.”
Who handles compliance and PCI?
We do. Through tokenization and PCI-Validated Point-to-Point Encryption, we reduce or even eliminate your PCI scope as a software provider. KYC/KYB, OFAC, chargebacks, dispute response all sit with us; your team owns accurate onboarding data and the in-software experience. You get the full responsibility matrix in writing.
We integrated payments before and adoption flopped. How is this different?
That’s exactly the failure we’re built to fix. Integrating payments and actually driving adoption are different jobs, and most platforms stall near 10% take with a “set it and forget it” launch. Through our turnkey model, our go-to-market team works your existing customer base to close payments deals for you, which is how partners reach 95%+ attach and outcomes like $18K to $398K in volume per location.
Can we switch later, or take our merchants with us?
Yes, and we make it easy. Standard REST APIs, documented webhooks, and exportable merchant data. Portability is the right question to ask any payments partner; if anyone tells you “you’ll just have to migrate everything,” walk away. We don’t hold your merchants hostage.
Get started
See your payments revenue.
Tell us your platform and your volume. We’ll come back with a custom revenue model, a go-live path, and a plan to grow adoption inside your customer base. Here’s how it goes:
Book your fit call
Within one business day
We email you within one business day to lock in a 30-minute call with a Payments Consultant.
Your custom revenue model
On the call
Built around your real numbers: economics, integration scope, responsibility matrix, and merchant-acquisition plan.
Go live
Weeks from kickoff
White-label boarding live, merchants flowing, our go-to-market team driving payments adoption inside your customer base.