💡 Pick it for the strongest developer platform and widest payment feature set.
Stripe is a technology company that offers payment processing software.
Varies based on usage
Best X-Payments Alternatives ranked by AI · updated Aug 2026
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X-Payments is a PCI DSS-compliant payment processing application for online merchants, especially businesses using X-Cart and other ecommerce platforms. It centralizes multiple payment gateways and keeps sensitive card data outside the merchant's store environment.
Top 6 X-Payments alternatives
2
PayPal Payments
PayPal
💡 Choose it when PayPal wallet acceptance and consumer familiarity matter most.
PayPal Payments is PayPal's current payment integration for accepting PayPal, cards, and other checkout methods online. It serves ecommerce businesses that want...
Pros
- Officially maintained by PayPal
- Supports PayPal, cards, digital wallets, and local methods
- Better aligned with current PayPal APIs than legacy form plugins
Cons
- Merchant reviews and account holds can be a concern
- Checkout customization is more limited than Stripe's
- Transaction pricing varies by market and payment method
No monthly fee; transaction fees vary
3
Square Payments
Block
💡 Pick it if you need one system for online sales, retail checkout, and basic business operations.
Square Payments processes online, in-person, and mobile transactions for small businesses and retailers. Its standout capability is combining payment acceptance with Square's...
Pros
- Combines online and in-person payments more naturally than X-Payments
- Straightforward setup and transparent standard pricing
- Includes useful POS, invoicing, and inventory integrations
Cons
- Less customizable for complex developer-led payment flows
- Advanced features and rates vary by country
- Not as strong as Stripe for marketplaces or global expansion
From 2.9% + $0.30 per online transaction in the US
💡 Choose it for a mature, conventional gateway with broad ecommerce compatibility.
Authorize.net is a payment gateway that provides a secure way to accept credit card and electronic check payments online.
💡 Pick it for a customizable API that accepts cards, PayPal, and wallets together.
Braintree offers a flexible payment solution with advanced features like fraud protection and support for multiple payment methods.
Pros
- Scalable solution
- Advanced security features
Cons
- Complex integration process
- Transaction fees
Custom pricing
💡 Choose it for enterprise-scale international payments, unified commerce, and advanced risk controls.
Adyen is a global payment company that allows businesses to accept e-commerce, mobile, and point-of-sale payments.
Custom pricing based on usage
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