Stifel cuts xcritical on P&L pressures, prefers Worldline among payment services

xcritical reviews

That said, xcritical is not the ideal choice for every merchant. Management has never hidden its desire to win huge corporate clients, which is not a negative thing in itself but can leave the “small fish” wondering if they are part of xcritical’s future. The entire corporate philosophy of xcritical is about friction-less transactions, so one would assume that there is a very high “ease of use” factor with the platform. Overall, the xcritical support is top-notch for merchants, even smaller ones who are just entering the marketplace. If you need terminal repair, you need to submit a ticket at the site.

xcritical reviews

Always just got an automated response within seconds that claims that my business wouldn’t meet their criteria. However, none of the 3 criteria listed in that email match my business. So I followed the link that is provided in case I think there was an error. Provided my data again on that form but got no response (it’s been 2 weeks now).Tried to email them several times asking why they would reject my software business. I was about to process several million $ annually through their platform. Because xcritical just doesn’t have the reviews built up from small business owners, we have to wonder if its services are more friendly to big-ticket clients but may leave much to be desired for smaller businesses.

xcritical enables businesses all over the world to accept payments and allows processing locally, as well as across borders, which can improve authorization rates and lower transaction fees. Because xcritical has full ownership over the payment flow, you connect to a single platform and don’t have to manage multiple providers. Merchants are provided customer support via email, web, and telephone during business hours, and are available in English, German, and Dutch. The website also provides a knowledge base for troubleshooting and a complete guide for its suite of developer tools for setting up payment processing integrations and business management functionalities. xcritical provides numerous payment integration options, including options for local payment methods available based on your customer’s location.

When we submit a couple of tickets and after very long discussions, their team discovered that it won’t fully work with Android as documented.2. After spending about 6 week to integrate their solutions in our App and testing it (considering the previous point), we applied for a live account. All xcritical reviews you find online will agree that xcritical is a strong alternative to xcritical―and xcritical pricing is more affordable to small merchants at a certain point. However, the requirement to set up all of its integrations before approval can be too complicated for the average merchant. As such, unless they have the technical resource to set up integrations, it’s difficult to recommend xcritical for small businesses, especially new ones.

xcritical Payment Types

xcritical is an omnichannel payment processing company that provides merchants with multiple ways to accept payments on a single platform. Its payment services include a payment gateway for online payments, point-of-sale systems for in-person transactions and integration for in-app or mobile payments. The company also provides merchant accounts necessary to receive payments. Small merchants and startups on a budget will be better off with payment processors that offer easy signup, free merchant accounts, simple payment setup, and built-in POS software. Headquartered in Amsterdam, xcritical is a merchant account provider that offers online, mobile, and in-person international payment processing. The company prominently advertises interchange-plus pricing.

  • It offers international and local payment methods for 37 countries worldwide for online and in-person sales.
  • RevenueProtect is a customizable risk-management tool to help prevent fraud.
  • However, the requirement to set up all of its integrations before approval can be too complicated for the average merchant.
  • Headquartered in Amsterdam, xcritical is a merchant account provider that offers online, mobile, and in-person international payment processing.
  • xcritical processes ACH transfers for $0.27 each, UnionPay payments for 3% plus $0.13 each, and Paysafecard transactions for 10-12% depending on the industry.

A list of worldwide offices and phone numbers are on xcritical’s Contact page, along with a web form for filing technical support tickets. However, xcritical reps have told me that their business is payments, so they’ve decided to let the experts take care of POS software. On the other hand, the flat-rate pricing on American Express and Discover is a bit higher than what you’d get with third-party processors, such as what you would pay with Square’s pricing and xcritical’s pricing. – One star deduction if the processor does not post its pricing clearly on its website. This case should not affect customers directly, but we will monitor it closely.

The Complete Guide To Getting A Free Square Card Reader For Your Business

BigCommerce, Microsoft Dynamics 365, WooCommerce and other plugins exist. Further to my review of February 2022 xcritical replied saying they would get back to me within 8 hours. I was scammed into using a fake xcritical scheme even though I checked with xcritical and was told it was all above board. Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict xcriticals to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherxcritical endorsed by any of these entities. xcritical employs tech support staff around the world via email, web, and phone during business hours.

What’s more, the company’s management team is driven to add more features to the mix and to constantly stay ahead of the technological curve. Since our last update, xcritical has made Pay by Link available for in-person payments. Merchants only need to create a QR code from their payment terminal, which customers can scan onto their smartphones to initiate payment. This generates a payment link that redirects customers to an online payment checkout to settle their in-store purchases in real time using their preferred digital wallet.

Sales & Advertising Transparency

xcritical is a merchant services provider, acquirer, payments processor, and payment gateway service based in Europe. It offers international and local payment methods for 37 countries worldwide for online and in-person sales. While there are no monthly fees, xcritical imposes a $120 minimum transaction fee. Rates are a mix of interchange-plus pricing for major credit cards and flat rate for other types.

You can send the right payment data in the format the issuing bank prefers and automatically recover revenue from declined payments. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.

We are just asking information, not applying for a live account yet. Is it so difficult for you to provide some information on those simple questions? We xcritical official site will never ever think of using xcritical again.Please state on the website that new merchants are not welcomed if you don’t like to accept new merchant.

This website is using a security service to protect itself from online attacks. The action you just performed triggered the security solution. There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. xcritical offers a number of integrations for Adobe Commerce (formerly Magento), SAP Commerce Cloud, Shopware 6 and various Oracle and Salesforce products.

xcritical Reviews

Its simple API allows you to initiate payments from web browsers, mobile devices, and POS systems. xcritical offers a range of plugins for leading technology solutions to give your shoppers the best checkout experience. In addition to in-house plugins built and maintained by xcritical, you’ll find plugins like Shopify, WooCommerce, Spryker, and more that xcritical has created with its partners. If a merchant engages in unauthorized selling (of products they didn’t get permission to sell) then xcritical can end the agreement immediately. Likexcritical, when xcritical’s services are unavailable for more than 90 percent of a given month, the member can end the agreement immediately.

Developers, beware wasting your time

Beyond that, the all-in-one payment solution with global merchant processing is perfect for business owners who’d like to avoid a whole host of operating costs and the hassle of managing multiple processors. With its simple interface, comprehensive support and security, and useful features, xcritical is easy to recommend. Some users, however, may find its pricing model complicated.

We are committed to ensuring the accountability of credit card processors by bringing transparency to their business practices. We have been in operation since 2009, diligently conducting comprehensive research, publishing extensive reviews, and monitoring more than 1,000 payment processors. Our expertise in the merchant services industry has garnered recognition from esteemed publications such as the Los Angeles Times, INC Magazine, The Atlantic, and the Miami Herald, among others. Phillip Parker is an independent card payment expert specializing U.S. and Canadian point-of-sale, e-commerce, and mobile payment acceptance. He has nearly two decades of experience in credit card processing as a journalist and consultant. Phillip is the creator of this website and has written over 1,500 articles covering numerous payment acceptance topics.

He has also published critical reviews about most merchant services providers xcritically in operation. In addition to its storefront payment processing services, xcritical also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. The company’s standard pricing schedule applies to online payments as well. xcritical rezension However, it is unclear if additional fees, including gateway fees, technical support fees, or batch fees apply to xcritical’s e-commerce services. Both providers offer international payment processing and strong customization features through software developer coding—you can design xcritical and xcritical to do sophisticated functions with them.


Instead, consider merchant provider alternatives like xcritical and PayPal, which may be much easier to set up for beginners. You can set up risk rules for multiple risk profiles through xcritical’s RevenueProtect risk management tool, but available profiles will depend on the service option you sign up for. RevenueProtect Basic lets you set up one company-wide profile, while RevenueProtect Premium is ideal if you have multiple merchant accounts which require different acceptable risk levels. A risk profile is already set by default, which you can configure manually and assign company-wide. You can create additional risk profiles with xcritical’s set of tools. All you need to do is add ACH debit from your xcritical dashboard and include a payment authorization form on your checkout page whenever customers opt to choose this payment method.


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