Xplor Pay’s Embedded Payments API Guide 

The vertical SaaS landscape continues to shift as providers build features that go beyond their core product.

Today’s most successful SaaS platforms are offering more than basic payment processing; they are choosing to embed dispute management, recurring billing, onboarding solutions, and more to remain competitive.

However, building these capabilities in-house requires specialized expertise in payment processing, data security, and ongoing compliance maintenance.

This leaves software providers some options: invest vast resources into developing a payments infrastructure that’s outside their core competency, or partner with a company that can upgrade the integration, delivering the seamless, branded experience their merchants demand.

A developer-first approach to embedded payments now becomes crucial. The right embedded payments APIs should offer more than just payment processing: it should provide a complete toolkit for building integrated payments operations, complete with the documentation, SDKs, and support infrastructure that technical teams need to implement quickly and scale confidently.

An Overview of Xplor Pay’s APIs

Xplor Pay offers a comprehensive suite of APIs that enable software providers to build complete payments functionality directly into their platforms.

Our developer-first approach provides the technical infrastructure needed to embed sophisticated payment capabilities without the complexity of building and maintaining these systems in-house.

The Xplor Pay API ecosystem includes the following, designed for seamless integration:

Dispute Management API – Helps your merchants prevent lost profit with better visibility to view, dispute and resolve chargebacks quickly, all within your software.

Transaction API – A comprehensive suite covering everything from seamless checkout experiences and PCI-scope reducing payment security to mobile payment processing and ACH transactions.

Reporting API – Complete transaction insights, funding details, and reconciliation data accessible via API or UI.

Recurring Payments API – A technology solution that automates and simplifies subscription payments.

Marketing API – A white-labeled marketing automation platform that embeds email campaigns, SMS, CRM tools, and feedback systems directly into your software.

Boarding API – Streamlines the merchant onboarding process by enabling software providers to collect and submit merchant application data directly through their platform.

Getting to Know our APIs

Dispute Management API

Chargebacks represent one of the most frustrating and costly challenges merchants face, often resulting in lost revenue, increased processing fees, and administrative overhead.

Dispute Management API transforms this reactive process into a proactive, integrated workflow. It allows merchants to view, respond to, and manage chargebacks directly within your platform, eliminating the need to navigate external portals or rely on email notifications that often get overlooked.

Core features include:

Comprehensive Chargeback Visibility – Merchants can view complete chargeback details including dispute reasons, amounts, deadlines, and associated transaction data directly through your interface, eliminating the confusion of managing disputes across multiple systems.

Streamlined Rebuttal Submission – The API enables merchants to submit required evidence and supporting documentation efficiently. Whether it’s proof of delivery, customer communications, or transaction receipts, all evidence can be uploaded and organized through your platform’s interface.

Real-Time Status Tracking – Webhooks and API endpoints provide immediate updates on dispute status changes, enabling your platform to notify merchants of critical deadlines, decisions, and next steps. This real-time communication ensures nothing falls through the cracks.

Transaction API

Xplor Pay’s Transaction API gives developers the flexibility to support everything from simple one-time payments to complex multi-step authorization and capture workflows, all while maintaining the highest security standards. These APIs form the foundation of your embedded payment capabilities.

Options include:

Cloud EMV API – This semi-integrated solution enables software or POS providers to offer their customers multiple payment device brands and an excellent support experience.

REST-based Payment Gateway API – This fully integrated solution allows users to have a seamless checkout experience and the ability to accept payments anywhere.

Mobile SDK – This API embeds secure payment processing into your iOS, Android and Windows applications. Benefits include controlling the user experience, plug-and-play mobile card readers, reduced PCI-DSS scope, and a layered security approach.

Recurring Payments API – Process automatic recurring payments that are PCI compliant, tokenized, and uses secure card on file technology.

Reporting API

The Reporting API generates comprehensive transaction insights, funding and batch details, and support complete reconciliation workflows while ensuring top-notch security.

Generate standard and customizable reports covering merchant data, pricing, funding, and disputes—all formatted for easy integration into your existing workflows.

Merchants gain transparency into their payment operations with the following:

Software providers can expect:

Recurring Payments API

The Recurring Payments API transforms your platform into a comprehensive subscription management hub, enabling merchants to automate billing cycles while you capture additional revenue streams.

Key functionalities include: 

Flexible Billing Schedules – Customize payment plan frequencies and customer profile fields. Whether merchants need weekly, monthly, quarterly, or custom billing cycles, the API adapts to diverse business models without forcing merchants into rigid subscription frameworks.

Secure Token Vault Management – When a merchant adds a card to a customer’s billing profile, the card info is securely stored in our token vault, reducing your PCI scope. This approach eliminates the security overhead of storing sensitive payment data while maintaining seamless recurring transaction capabilities.

Account Updater Features – Account Updater automatically updates stored billing profiles when a customer gets a new card, helping merchants spend less time chasing down customers for failed payments. This proactive approach significantly reduces involuntary churn and administrative overhead.

Marketing API

The Xplor Pay Marketing API gives software providers a white-labeled, embedded marketing automation suite designed to drive payments adoption with your user base.

It includes powerful tools like email, campaigns, forms, surveys, landing pages, SMS (auto and two-way), CRM workflows, waivers, and feedback tools. Additionally, there is a unique child/guardian model for businesses serving families.

Technical architecture includes:

Boarding API

The Xplor Pay Boarding API offers software providers multiple onboarding options. By automating onboarding, software providers can reduce friction and speed up verification so merchants can start processing payments quickly.

This API eliminates the need for merchants to leave your software environment during the signup process, creating a seamless onboarding experience that reduces drop-off rates and accelerates time-to-revenue.

Whether you want a fully hosted merchant onboarding page, a traditional form-driven flow, or a turnkey service with expert support, our Boarding API makes it possible.

What it offers: 

Build Faster with the New Xplor Pay Developer Center

For software providers, time to market is everything. That’s why we’ve reimagined our Developer Center, making it easier than ever for developers to get started, integrate faster, and scale confidently.

Improvements include:

Customize Your Payments with Xplor Pay APIs

From sophisticated dispute management to automated marketing campaigns, our API ecosystem enables technical teams to create their ideal payments integration without the overhead of building and maintaining this infrastructure themselves.

Ready to partner with us and begin building? Contact our team to get started.