Enterprise-grade infrastructure. Boutique-grade attention.
From the corner café to a 280-store national footprint, Xray Payment delivers the redundancy, reporting, and route-optimization the big processors offer — paired with the relationship manager that knows you by name and answers when you call.
Built for operators with 5 stores. Or 500.
Every enterprise platform claim — multi-MID consolidation, ERP-grade integrations, custom underwriting, fraud orchestration — is shipped with Xray. Then we add what they don't: a person.
Multi-MID architecture
Hierarchical merchant structure: corporate parent, regional rollups, store-level MIDs. Centralized statements, store-level reconciliation, and one consolidated 1099-K.
ERP & mid-market integrations
Native connectors for NetSuite, Sage, Acumatica, Microsoft Dynamics, SAP B1, Oracle. Transactions auto-post to AR with Level 2 / Level 3 enhanced data attached.
Custom underwriting
Direct-to-bank relationships with TSYS, Fiserv, Worldpay, Elavon, and Priority MX. We underwrite high-volume, high-risk, and unusual MCC profiles without farming out.
Dedicated relationship manager
You get a named human — not a queue. Direct line, direct email, direct calendar. Your RM is paired to your industry, your stack, and your ticket size from day one.
SLA-backed infrastructure
99.99% uptime committed in writing. Tier-1 routing with automatic processor fail-over. Settlement on next-day, same-day ACH, or RTP rails depending on the program.
Fraud & chargeback orchestration
Velocity rules, BIN block-lists, 3DS2 challenge fallback, and a chargeback rebuttal team that wins ~74% of represented disputes — measured monthly, not promised.
Live in 30 days. Optimized by day 90.
Most enterprise rollouts stall on integration. Ours don't, because our solutions team has done it 280 times.
Discovery & underwriting
Solutions architect kickoff. We pull your last 3 statements, map your store count, and underwrite the corporate parent + every MID structure in parallel.
Approval & provisioning
MIDs approved, hardware ordered for every location, gateway keys provisioned. Sandbox handed off to your dev team if you're integrating directly.
Pilot store live
One location processes live, real-time monitoring on settlement, fraud, and reporting. Issues caught before the full rollout.
Full fleet on rails
Every location processing. Centralized dashboard live. ERP feed flowing. Daily settlement files reconciling to the cent.
Optimization review
Your RM walks you through actual interchange savings, Level 2/3 capture rate, decline-recovery numbers. We tune what's tunable.
Ongoing partnership
Quarterly business reviews, residual transparency dashboard, hardware refresh cycles, and a phone that still rings to your RM.
Big enough to handle.
Small enough to care.
One owner. One direct line.
- Same-day approval on most MCCs
- Your RM's mobile number — really
- No long-term contracts, ever
- Hardware delivered preconfigured for your menu
- Free PCI-DSS scan + remediation help
- Cash discount, surcharge, or interchange-plus — your choice
Named team. Named SLA.
- Dedicated RM + solutions architect + CSM trio
- Custom MID architecture across regions / brands
- NetSuite, Sage, SAP, Oracle, Dynamics integrations
- Tier-1 processor routing with auto fail-over
- Quarterly business reviews with interchange optimization
- Direct-to-bank underwriting · No middleman ISO
What the big processors won't tell you.
A side-by-side on the things multi-location operators actually compare.
You'll know your RM by their voicemail.
Not "your account team." A specific person, paired to your industry, your stack, and the size of your operation. Same person on day 1 and day 1,000.
Sarah M.
"My biggest restaurant operator runs 47 locations across 4 states. I know every store manager's name. That's the standard."
Miguel C.
"For multi-store rollouts, I sit on the kickoff calls with your IT lead. We map out every MID, every location, every integration before we approve anything."
Jordan R.
"For my ecom merchants, I monitor approval rates daily. If their checkout dips half a point, I'm calling them — they don't have to call me."
Operators who picked us over the household names.
"We migrated 47 restaurants from a flat-rate processor in under three weeks. Our effective rate dropped 1.2 points and our RM knows our weekly close-out cadence."
"My finance team used to spend two weeks reconciling a single month's processor statements. Now it's two hours, because XRay's settlement file maps to our NetSuite GL out of the box."
"The Stripe-grade API plus a phone number that rings to a person who knows my product is the unicorn. I didn't think it existed in this industry."
Tell us about your operation. We'll bring the architect.
A 25-minute discovery call with a solutions architect — not a sales rep. Bring your last statement and a list of stores. We'll come back with a written program proposal in 48 hours.