Six ways to take payments. All under one account.
Most processors make you bolt every channel onto a different system. We hand you one merchant account, one statement, one phone number — and let you turn on whatever you need.
Counter, tableside, kiosk, drive-thru.
Clover, Valor, PAX, and Dejavoo terminals provisioned to your menu and your tip prompts. Pre-configured cash drawer, receipt printer, and customer display.
- EMV chip, contactless tap, magstripe fallback
- Pre-loaded inventory + price book
- Tip prompts, signature capture, gratuity pooling
- Offline mode for spotty Wi-Fi
In-Person · Tap, Dip, Swipe
Three gateways, every cart.
NMI, Authorize.Net, and the XRay Gateway with one-click plugins for WooCommerce, Shopify, BigCommerce, Magento, and 12 more.
- Hosted iframe checkout — PCI scope reduced to SAQ-A
- Tokenized vault with account-updater
- Apple Pay, Google Pay, Click-to-Pay
- 3DS2 frictionless for liability shift
Online · Hosted Pay Page
Take the terminal to the customer.
Clover Flex, PAX A920 PRO, or just your phone with Dejavoo iPOSgo!. Build invoices in the truck, charge cards on-site, and email receipts before you drive away.
- Tap-to-Phone — your iPhone or Android is the terminal
- 4G LTE failover for spotty Wi-Fi
- Quick deposits and cards-on-file for repeat customers
- Pay-by-link for absent payers
Mobile · Tap-to-Phone
Pass the card cost to the card user.
Compliant cash-discount and surcharge programs that put 3-4% back on your bottom line. We handle the signage, the customer-facing prompts, and the audit trail.
- Visa-, MC-, and Discover-compliant disclosures
- Per-state surcharge cap awareness
- Itemized statements showing program savings
- Optional "service fee" or "convenience fee" framing
Cash Discount · Compliant
Bill predictably. Recover the rest.
Customer Vault with account-updater service rebills expired cards silently. Smart-retry logic recovers 18% more revenue than fixed-day retries.
- Daily, weekly, monthly, annual, custom intervals
- Free trials, prorations, mid-cycle upgrades
- Automated dunning emails + hosted card-update flow
- 1099-K reporting for marketplaces
Recurring · Smart Retry
Cut commercial-card cost by 1%+.
We auto-pass Level 2 and Level 3 enhanced data on every commercial-card transaction so you qualify for the lowest interchange tier.
- Tax amount, customer code, line-item detail captured automatically
- NetSuite, QuickBooks, Sage, Acumatica integrations
- ACH at 0.50% for net-30 receivables
- Hosted invoices with click-to-pay links
B2B · Level 2/3 Data
See your numbers in real time.
Drop in your current rates and we'll show you the monthly and annual savings switching to Xray would unlock.
Effective rate = total fees ÷ total volume. Find this on the bottom of your processor statement.
Get the analysis emailed to you.
Send your monthly volume and current rate — we'll respond with a side-by-side savings analysis within one business day. No statement upload required (yet).