With Xonder, you’ll have access to endless features that are not only more affordable and simpler to use than already existing software, but will set you apart from the rest.

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Direct Integration

With direct integration, your website (complete with secure certificate) captures the user’s personal and credit card details and then forwards these behind the scenes to the secure Xonder gateway. Xonder then performs any necessary fraud and security checks, clears the payment with the bank and sends a response back to your website, which then delivers a formatted response back to the customer. Direct integration is more complex than the hosted forms method, but it does mean that the entire shopping process can occur within your websites, providing a seamless experience for your customers.

Virtual Payment Gateway

Xonder’s flexible configurable infrastructure makes it simple to deploy custom solutions for clients. Single API access to the Open Payment Network enables you to offer a wealth of payment transaction methods to the customer from a single source, whether by e-commerce, m-commerce, pay links, telephone or in-store point-of-sale.


Xonder’s flexible configurable infrastructure makes it simple to deploy custom solutions for clients.  Offer a wealth of payment transaction methods to the customer from a single source, whether by e-commerce, m-commerce, pay links, telephone or in-store point-of-sale.

Billing Methods

The methods in which people pay around the world is evolving constantly, even if credit and debit cards remain popular ways of payment. With Xonder’s Open Payment Network managing recurring payments and subscriptions has never been easier

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Xonder’s virtual payment gateway allows you to have access to proven technology and infrastructure that is ever evolving and scalable.

The flexible all-in-one gateway offers  most e-commerce shopping cart integrations, hosted and direct integration methods and a powerful merchant management system.

By using Xonder’s turnkey payment gateway solution, you can focus on growing your business and retention with full confidence, as the gateway technology will keep up with today’s fast changing digital commerce landscape.

Security and Protection from Fraud

Xonder’s Open Payment Network is PCI DSS Level 1 registered as an approved service provider by Visa and Mastercard. Our cloud environment is protected by DDoS mitigation tools. AVS, CV2 checks, 3D Secure, velocity check rules and additional pre-integrated third-party fraud solutions are included in the built-in security settings within the gateway.


All major Card Types

Xonder’s payment gateway accepts and processes all major card types. In a global marketplace with increasing cross-border spend from tourism and online transactions, it is important to offer end merchants the ability to accept all major card types. By providing global cardholders with the flexibility to pay with their preferred card, end merchants will have more opportunities to increase payment conversions.

Security Checks and 3D Secure

Xonder’s offers Card Security Code (also known as CV2, CVV, CSC) checks, as well as Address Verification System checks (AVS) to strengthen the transaction when the cardholder is using a card that they have the right to use. Xonder also recommends the use of 3D Secure (Verified by Visa (VBV) and MasterCard SecureCode MSC), again to strengthen the transaction’s security. Xonder can offer 3D Secure with every eCommerce Merchant Account using the Payment Gateway.

3D Secure Explained

3D Secure authentication was developed by Visa with the intention of improving ecommerce payments’ security and cardholder confidence. MasterCard has also adopted the service, along with JCB and Amex. The full 3D Secure service is available using the Xonder Payment Gateway and there is no additional charge for this service. Fundamentally, 3D Secure allows the cardholder to create a unique password for their relevant debit or credit card. This works very much like the PIN would with a PDQ machine in order to authenticate a payment, as only the cardholder should know that password. 3D Secure stands for 3 Domain Server, relating to the three parties involved with the process: the Merchant, the Acquirer and the card issuer. This process is the most recent of fraud prevention services available for eCommerce Merchants and cardholders to use. In addition, 3D Secure also assists the merchant’s liability cover for each transaction authenticated by the process. We would suggest checking with your Acquirer as to what exactly this covers. Chargebacks can still happen, as this will still be decided by your acquirer.


Fraud Prevention

Fraud is the UK’s greatest threat to payment security, often being used to finance further crime. It can also have a damaging effect on your business. Xonder’s fraud prevention solutions help in preventing card transaction fraud from ever taking place. Our in-house Velocity Checking and various country and card blocking technologies allow you to have complete control over the traffic through your gateway. You can focus on growing your business: we take care of security. Xonder also integrates with specialist third party fraud management solutions to enhance your fraud prevention tools further.

Chargeback Reporting

Xonder ensures that your finger is constantly on the pulse of your transaction processing. Never miss a chargeback using our in-built chargeback reporting software within the Merchant Management System (MMS). Xonder’s chargeback reporting system quickly identifies and notifies a merchant of any chargebacks so that they can quickly respond to alerts and disputes.


Velocity Checking

A comprehensive fraud monitoring and prevention system is built into the payment gateway and managed within the Merchant Management System. It is used to protect merchants and minimise fraud by enabling them to set transaction frequency limits and card usage within a specific timeframe. Payment transactions are reviewed for repeating patterns within a defined period of time. The check can be performed based on various sets of data such as number of transactions or value of transactions over a given time period. There are two different responses that the gateway can present. A soft limit will notify the merchant by email that a threshold has been met; or a hard limit which will fail a transaction if the threshold is met.

DDoS Mitigation

A DDoS (Distributed Denial of Service) attack is an attempt to make an online service unavailable by flooding the bandwidth of a web server with huge amounts of traffic. DDoS attacks are becoming more prevalent in the news, with many high profile websites disrupted by these attacks. Xonder has partnered with a leading cloud-based DDoS mitigation solution provider that provides with an enterprise level global solution, offering 365, 24/7 protection against the largest DDoS attacks. This provides you with absolute peace of mind that, no matter the security issue, your payment flow is unaffected.

Recurring Payments with Tokenisation

With every transaction that passes successfully through the Xonder Payment Gateway, the system raises a Cross Reference (sometimes known as a Token). These Cross References can be used in lieu of card details for the purpose of repeat or recurring payments, as well as refunds based upon an existing payment. The Cross Reference will allow transactions to be processed for the same or more or less than the original amount, giving you full flexibility to run subscription, membership or any kind of recurring payments business. Some businesses use this service as a PCI DSS compliant Card Storage facility, too. This is entirely possible and can be used by processing a full transaction or pre-auth. If you require any further information, please contact us. As an added benefit, Xonder does not charge for the use of these Cross References, Tokens or Card Storage.

Real Time Account Updater Service

This service is also known as the Real Time Updater Service, Visa Account Updater (VAU) or MasterCard Automatic Billing (ABU) Updater. The Account Updater allows the merchant to receive updated cardholder data from participating Acquirers, Merchants and Card Issuers. As expiring cards are renewed or lost cards replaced, the updated data allows for a seamless recurring or automated card billing process to take place, reducing the risk of service cancellation. Merchants receive refreshed cardholder data without making outbound calls – producing an uninterrupted customer payment experience; increasing authorisation approval rates; and improving revenue retention.

Secure Virtual Terminal

The Virtual Terminal has been designed for merchants to use with ease when taking mail order or secure telephone payments. The secure environment allows a user to process credit and debit card payments, as well as refund transactions, all in real time. MMS users are able to operate the system under different permissions. This is an ideal solution for call centres, sales clerks and larger organisations who wish to restrict the ability to view transaction information or process refunds. The Virtual Terminal is a web based portal and can be easily accessed through a desktop, tablet or mobile device.

Interactive Voice Response (IVR)

Payment automation is becoming more important in business today. IVR solutions provide a reliable and cost effective way of providing 24/7 card payments. Xonder’s payment gateway has been proven to operate well with leading IVR specialists and merchants who require this level of automation and sophistication. The Xonder Payment Gateway is currently processing IVR card payments across many industries, from parking and PCN, to financial services and local authorities. The use of IVR and our payment gateway has demonstrably reduced the manual input requirements of the staff who process payments.

Pay Button

The Pay Button function gives the merchant the ability to create an HTML link that can be embedded into HTML content (eg a website or HTML website). When clicked, it will allow a payment to be taken via the hosted form that will be pre-populated with the data specified when creating the link within the Merchant Management System. A QR Code can also be generated using this method.


We offer your merchants and their cardholders the ability to collect a receipt for any transactions they process. The receipts contain details of the sale, such as the address information of the cardholder; the cross reference number; and the acquiring and issuing bank. Xonder gives clients all the information they need to manage a sale. Xonder Reseller Partners receive the receipt fully in their own branding. The Partner’s brand is reinforced and enhanced to both their merchants and their respective end-customers.

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Call us on 0121 270 7700 or click on the link below
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