We built Xray because the industry needed an honest one.
After years in the merchant services trenches, our founders saw the same pattern over and over: small businesses overpaying, locked into multi-year contracts, ignored by reps who took the deal and disappeared. We started Xray to do the opposite.
Three rules we don't bend.
Honest answers
Real humans, 24/7
Numbers, not theater
Tell merchants the truth.
If your current rate is fair, we'll tell you. If a competitor would serve you better, we'll point you there. Honest beats the alternative — even when it costs us a deal.
Answer the phone.
Real human, US-based, 24/7. Your account manager has a name, an extension, and an email that doesn't go to a queue.
Make pricing make sense.
Statements you can read. Rates that don't drift. No hidden PCI fees, no batch fees, no "regulatory recovery" mystery line items. Numbers, not theater.
LEVEL 1
Type II
Certified
Accredited
We're not the biggest. We aim to be the most trusted.
Run your book on the rails we built.
Lifetime residuals, full transparency to your portfolio, white-glove onboarding for your merchants, and a CRM (Discovery) that actually fits how you sell. ISO and W-2 paths available.
- ✓ 65/35 to 80/20 splits depending on tier
- ✓ Full residual transparency — see every basis point
- ✓ Discovery CRM included — leads, OLAs, residuals, chargebacks
- ✓ Same-day approvals on most deals
Apply to be an Xray Agent
Tell us about your book — we'll respond same business day.
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