Isolated card vault
Card numbers are tokenized in a separate environment and never reach your systems.
Accept, route and settle every payment from one platform
Card acceptance, smart routing across acquirers, payouts and reconciliation behind one API and one dashboard.
Card payments3-D Secure 2Hosted payment fieldsSmart routingAutomatic failoverMulti-currencyPayoutsDispute managementReconciliationSigned webhooksRole-based accessAudit trail
Everything you need to run payments
Take payments, protect them, move the money and close the books, all in one place.
Online payments
Hosted fields, payment intents and full control over authorization, capture and refunds.
Learn morePayment orchestration
Connect several acquirers and let rules decide by card, country, currency, amount or cost.
Learn moreRisk and fraud
Rules, lists and velocity checks run on every payment, with a review queue for the grey cases.
Learn more
Payouts
Balances, reserves and payout batches with approvals, so money moves when it should.
Learn more
Multi-currency
Show local prices, lock exchange rates for checkout and settle in the currency you choose.
Learn moreReconciliation
Settlement reports are matched to transactions automatically, and differences are flagged for you.
Learn moreBuilt for the way you sell
Whether you run a platform, a shop or a global business, ExelPay adapts to your model.
Payments for platforms and marketplaces
Onboard sellers, split revenue and pay out, all inside your product.
- Turn payments into revenue. Set your own pricing and earn on every transaction your users process.
- Onboard sellers fast. A guided flow collects business details and runs the required checks.
- Pay everyone on time. Balances, reserves and scheduled payouts with approvals built in.
Payments for online businesses
A secure checkout, clear fees and fast payouts, without a large engineering team.
- Launch checkout quickly. Drop hosted fields into your site and start in the sandbox today.
- Approve more orders. 3-D Secure and smart routing help good customers get through.
- Know where your money is. See every sale, fee and payout in one dashboard.
Payments infrastructure for enterprise
Multi-acquirer routing, strict controls and reconciliation that finance teams trust.
- Never depend on one provider. Route across acquirers with automatic failover and cascading.
- Lower your cost per payment. Send each payment to the cheapest route that still approves it.
- Controls auditors like. Role-based access, four-eyes approvals and a tamper-evident audit trail.
Payments for ISOs and agents
Board merchants, set pricing and support your portfolio from one place.
- Board merchants in minutes. Create accounts and terminals and invite merchant teams with the right roles.
- Your pricing, your margin. Fee and markup rules per merchant, with versions and approvals.
- See your whole portfolio. Volumes, approvals, disputes and payouts across every merchant.
Stop losing sales to avoidable declines
Connect more than one acquirer and let ExelPay decide where each payment goes. When a provider struggles, traffic moves on its own.
- Six routing strategies, from cost to approval rate
- Automatic retry on another acquirer after a soft decline
- Unhealthy providers are paused until they recover
- Test any policy on past traffic before it goes live
Security designed in from the first line of code
Card data stays in an isolated vault. Your team works with tokens, permissions and a full audit trail.
Hosted payment fields
Collect card details in secure fields on your own checkout, with your own design.
Strong authentication
3-D Secure 2 for cardholders, multi-factor sign-in for every dashboard user.
Encryption with managed keys
Data is encrypted at rest and in transit, with keys rotated on a schedule.
Tamper-evident audit trail
Every sensitive action is recorded in a chained log that shows any later change.
Four-eyes approvals
Critical changes such as payouts and admin roles need a second person to approve.
Architecture designed for PCI DSS v4.0.1.
An API your developers will enjoy
Clear resources, predictable errors and a sandbox that behaves like production.
- Idempotent requests, so a retry never charges twice
- Signed webhooks with automatic retries
- Sandbox with published test cards and 3-D Secure flows
- OpenAPI 3.1 reference for every endpoint
# Create a payment intent in the sandbox
curl https://api.sandbox.exelpay.com/v1/payment_intents \
-H "ExelPay-Key-Id: key_01J..." \
-H "ExelPay-Timestamp: 1798200000" \
-H "ExelPay-Nonce: 6f1c9d2e-..." \
-H "ExelPay-Signature: v1=..." \
-H "Idempotency-Key: order-1042" \
-H "Content-Type: application/json" \
-d '{
"amount_minor": 4820,
"currency": "EUR",
"terminal_id": "trm_...",
"merchant_reference": "order-1042"
}'
Real people when it matters
Talk to payment specialists who know your setup. No ticket maze, no scripted answers.
Pricing that fits your volume
Choose the model that matches how you sell. We tailor the rates to your business.
Blended
One simple rate per payment
Predictable costs for growing businesses that prefer a single price.
See pricingInterchange++
Scheme costs plus a clear margin
Pay the real card scheme costs and a transparent ExelPay margin on top.
See pricingCustom
For platforms and enterprise
Volume pricing, routing across your own acquirers and payout terms that fit.
See pricingQuestions, answered
Which payment methods can I accept?
Major card brands online, with 3-D Secure 2. Your account manager confirms the methods and currencies available for your region and acquirers.
Can I use my existing acquirer?
Yes. ExelPay connects to several acquirers at once, so you can keep your current contracts and add others for redundancy or better rates.
How long does it take to go live?
Most integrations start in the sandbox on day one. Going live depends on onboarding checks for your business and the acquirers you choose.
Do card numbers touch my servers?
No, if you use hosted payment fields. Card data goes straight to the ExelPay vault and you receive a token.
Can platforms onboard their own merchants?
Yes. Sub-merchant onboarding, balances, reserves and payouts are built in for platforms and marketplaces.
Is there a contract or setup fee?
It depends on the pricing model and your volume. Talk to sales and we will prepare a proposal for you.
Ready to move your payments forward?
Tell us about your business and we will design the right setup with you.