Our effective rate dropped from 3.4% to 2.2% the first month. Xray's analyst walked us through every line item — no fluff, no upsell.
M
Marcus W.
Owner · Ember Auto · Phoenix, AZ
Live • Approved in seconds
The payment partner your business deserves.
From the corner café to the 280-store national footprint — Xray Payment delivers enterprise-grade infrastructure with a relationship manager who knows you by name. Big enough to handle. Small enough to care.
No long-term contracts
Next-day funding available
24/7 US-based support
$2,398,421,736
processed for merchants this year — and counting.
$
Sale approved
Visa •••• 4429 · $84.20
Visa •••• 4429 · $84.20
↑
+22% sales lift
Avg. tap-to-pay merchant
Avg. tap-to-pay merchant
⚡
Approved · 412ms
Avg. authorization time
Avg. authorization time
Approved
$84.20
·
Visa •••• 4429
— Maria's Bistro · Austin, TX
Approved
$1,284.50
·
MC •••• 2718
— Ember Auto · Phoenix, AZ
Approved
$42.99
·
Apple Pay
— Pour Daily · Brooklyn, NY
Approved
$348.00
·
Amex •••• 1009
— Beachline Surf · San Diego, CA
Approved
$19.50
·
Tap · Discover
— Pixel Cafe · Denver, CO
Approved
$2,860.00
·
ACH
— NorthRiver B2B · Chicago, IL
Approved
$67.40
·
Google Pay
— Hilltop Salon · Nashville, TN
Approved
$510.75
·
Visa •••• 8217
— Stitch & Wax · Portland, OR
Approved
$215.00
·
MC •••• 0042
— Pawsitive Vet · Seattle, WA
Approved
$89.99
·
Tap · Visa
— Northbound Outdoor · Boulder, CO
Approved
$84.20
·
Visa •••• 4429
— Maria's Bistro · Austin, TX
Approved
$1,284.50
·
MC •••• 2718
— Ember Auto · Phoenix, AZ
Approved
$42.99
·
Apple Pay
— Pour Daily · Brooklyn, NY
Approved
$348.00
·
Amex •••• 1009
— Beachline Surf · San Diego, CA
Approved
$19.50
·
Tap · Discover
— Pixel Cafe · Denver, CO
Approved
$2,860.00
·
ACH
— NorthRiver B2B · Chicago, IL
Approved
$67.40
·
Google Pay
— Hilltop Salon · Nashville, TN
Approved
$510.75
·
Visa •••• 8217
— Stitch & Wax · Portland, OR
Approved
$215.00
·
MC •••• 0042
— Pawsitive Vet · Seattle, WA
Approved
$89.99
·
Tap · Visa
— Northbound Outdoor · Boulder, CO
Powered by the brands you trust
clover
VALOR
PAX
Dejavoo
NMI
Authorize.Net
XRay Gateway
TSYS
Fiserv
WorldPay
Elavon
Priority MX
clover
VALOR
PAX
Dejavoo
NMI
Authorize.Net
XRay Gateway
TSYS
Fiserv
WorldPay
Elavon
Priority MX
Why Xray
Payments built for how you actually run your business.
We replaced the bloated processor playbook with something simpler: clear rates, hardware that fits the work, and a phone number that rings to a human.
Transparent rates
Interchange-plus pricing in plain English. No tiered fee shell games, no surprise PCI charges, no junk line items on your statement.
Hardware that fits
Clover, Valor, PAX, and Dejavoo — countertop, mobile, kiosk, and tap-to-phone. We match the device to your floor plan, not the other way around.
Real humans, 24/7
Your account manager has a name, a direct line, and answers when you call. Live troubleshooting around the clock — we don't outsource your business.
Built for your industry
Whatever you sell, we've already built for it.
From food trucks to dental clinics, ecommerce shops to ten-location retail chains — every Xray setup is tuned for the way your specific industry actually takes payments.
Restaurants
Full-service, QSR & bars
Tableside ordering, online menus, KDS, gratuity prompts, split checks, and tip pooling — all on the same Clover or Dejavoo POS.
Retail
Boutiques, c-stores & specialty
Inventory, barcode scanning, age verification, EBT, and customer loyalty out of the box. Cash discount programs for high-volume locations.
Ecommerce
Online & subscription
NMI, Authorize.Net, and the XRay Gateway with prebuilt plugins for WooCommerce, Shopify, BigCommerce, Magento, and 15+ more carts.
Hardware
Four world-class brands. One advisor.
Clover, Valor PayTech, PAX, and Dejavoo. We carry them all so we can recommend what's actually right — not what we have to sell.
clover
Station Duo, Mini, Flex, Compact, Go. Best-in-class app marketplace and full-service POS.
VALOR
13 devices from countertop to wireless. 24-month warranty, 5 processor options.
PAX
A-series Android terminals, kiosks, and PIN pads. PAXSTORE includes 2,400+ apps.
Dejavoo
Android P/QD lines, Linux Z line, plus iPOSgo! tap-to-phone — no hardware required.
Real merchants · Real businesses
Behind every transaction is a business worth fighting for.
From the family bakery on Main Street to the franchise scaling its 14th location — we treat every account like it's the only one we have.
Big enough to handle · Small enough to care
From your first card to your 280th store.
Same brand. Same direct-line support. Same transparent pricing. Just scaled to whatever stage you're in — boutique, multi-location, or full enterprise.
One terminal, many uses
Counter, tableside, and online — all from the same Clover, Valor, PAX, or Dejavoo device, all on one statement.
Same-day approvals
Most owner-operated MCCs are approved in under 4 hours. Hardware ships next-day, preconfigured for your menu.
The owner gets the cell
Your relationship manager's mobile, not a queue. Tell us your closing time — we'll never call during it.
Hierarchical MID rollups
Corporate parent → regional → store-level. One consolidated 1099-K, store-level reconciliation, role-based dashboard access.
ERP & QuickBooks-ready
Native NetSuite, Sage, Acumatica, QuickBooks Online connectors. Settlement files map straight into your AR module.
Named relationship trio
RM + Solutions Architect + Customer Success Manager — paired to your industry from day one. Quarterly business reviews built-in.
500+ MID rollouts
Direct-to-bank with TSYS, Fiserv, Worldpay, Elavon, Priority MX. Tier-1 routing with auto fail-over written into the SLA.
SOC 2 + PCI-DSS L1
SLA-backed 99.99% uptime, 24/7 fraud team, chargeback rebuttal team that wins ~74% of represented disputes — measured monthly.
Custom-built deal terms
Volume-based interchange-plus, hardware refresh cycles, custom Level 2/3 capture, residual transparency dashboards.
Your team, by name
Real humans. Direct lines. Same person, day 1 to day 1,000.
Every Xray account — boutique or enterprise — is paired to a relationship manager. They know your industry, they know your hardware, and they answer when you call.
SM
Sarah M.
Sr. Relationship Manager · Restaurants & Hospitality
"My biggest restaurant operator runs 47 locations across 4 states. I know every store manager's name. That's the standard."
MC
Miguel C.
Solutions Architect · Retail & Multi-Location
"For multi-store rollouts, I sit on the kickoff with your IT lead. We map every MID, every location, every integration before we approve."
JR
Jordan R.
Sr. Relationship Manager · Ecommerce & SaaS
"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."
In the news · Recognized by
PaymentsSource
ETA Member
ISO & Agent
Forbes Tech
Inc. 5000
By the numbers
Numbers that matter to your bottom line.
0¢
Avg. savings per transaction vs. flat-rate processors
0hr
Average time from application to live processing
0%
Gateway uptime across NMI, Auth.Net, and XRay
0
Long-term contracts, ETFs, or junk fees. Ever.
What merchants say
We don't pay for testimonials. We just answer the phone.
The Clover Flex they spec'd let us turn our food truck into a real business. Tap-to-pay closes a transaction in under three seconds.
P
Priya K.
Founder · Spice Truck Co. · Brooklyn, NY
We move $8M a year through XRay's gateway. 99.99% uptime is real — we've never lost a single Black Friday transaction in three years.
D
David R.
CTO · Beachline Outfitters · ecommerce