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    Balance Risk & Reward with PayFac as a Service
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    Embedded & Integrated Solutions
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    Low-Code Capital Solution Embedded in Your Software
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    Power Your Platform and Elevate Your Brand
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    Enhance your software with built-in dispute resolution
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    Monetize your software users’ subscription billing
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    The Road to Payment Facilitation
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    Automate & simplify invoicing
     
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    Everything you need to run your business
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    Automate recurring billing
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    Implement gift & loyalty programs
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    Efficiently manage your business on one platform
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    Accept credit cards on the go
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    Accept payments via secure text links
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    Accept payments online via hosted payments page
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    Embedded vs Integrated Payments with Mark Passifione
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Clearent by Xplor Blog

Software Providers

December 13 2024

5 min read

Why Recurring Payment APIs Are a Game-Changer for Software Providers

by Xplor Pay

In today’s subscription economy, businesses increasingly rely on recurring revenue models to drive consistent growth and enhance customer retention. For software providers, seamless billing operations are critical for delivering exceptional user experiences and maintaining steady cash flow.

Read more

Man setting up a recurring payment

Merchants

May 03 2024

6 min read

6 Tips to Help Service-Based Businesses Optimize Invoicing 

by Xplor Pay

Optimizing invoicing processes for service-based businesses is not just a matter of routine administration, it’s a strategic business function that directly impacts profitability and customer satisfaction.

Read more

Software Providers

April 29 2024

6 min read

What ISVs Should Look For In A Payments Partner?

by Xplor Pay

In today’s software driven market, Independent Software Vendors (ISVs) face the critical and complex decision of selecting the right payments partner. This choice goes beyond mere transaction processing; it’s about finding a seamless extension of their services that enhances user experience, operational efficiency, and a partner that supports your desired growth trajectory.

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Software Providers

April 29 2024

5 min read

FinTech vs SaaS: The Similarities & Differences

by Xplor Pay

In this article, we explore the synergy between SaaS solutions and fintech solutions, examining how their integration not only drives technological advancements but also boosts operational excellence, enhancing business efficiency and sustainable growth.

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Merchants

April 12 2024

6 min read

Navigating Processing Fees: Best Practices for Cash Discounting and Surcharging 

by Xplor Pay

To alleviate the impact of processing fees, many businesses are turning to cash discounting and surcharging strategies. We explore the best practices for implementing these strategies effectively.

Read more

Software Providers

April 05 2024

3 min read

Key Takeaways from The Road to Payment Facilitation Webinar

by Xplor Pay

To shed light on the complex journey to becoming a Payment Facilitator, we recently hosted a webinar titled “The Road to Payment Facilitator”, where we had a panel discussion with vertical software leaders on their experience navigating payment partnerships.

Read more

Merchants

March 29 2024

5 min read

Guide to Automated Invoicing for Small Businesses 

by Xplor Pay

Small businesses need to leverage every tool available to streamline operations, reduce overhead, and boost efficiency. Automated invoicing stands out as a game-changer in this context, offering a multitude of benefits that can significantly impact a small business’s bottom line.

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pci compliance scan

Merchants

March 22 2024

5 min read

PCI Compliance Scan: A 60-Second Overview

by Xplor Pay

In the realm of digital transactions, securing sensitive data is crucial for any merchants accepting payments. This is where PCI compliance scans, also referred to as network scans or vulnerability scans, play an important role.

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Software Providers

March 15 2024

6 min read

How To Become a Payment Facilitator? A Guide for ISVs

by Xplor Pay

Independent Software Vendors (ISVs) are continually exploring new trends that will enhance their offerings and help them stay ahead in the competitive software market. One such strategy that has gained significant traction is adopting the Payment Facilitator (PayFac) model.

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emv pci compliance

Merchants

March 14 2024

5 min read

EMV vs. PCI Compliance – What’s the Difference?

by Xplor Pay

Understanding PCI compliance and EMV compliance is not just a regulatory requirement but a crucial aspect of safeguarding business operations and building trust with customers.

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Merchants

March 08 2024

5 min read

Overcoming Market Challenges with a Point-of-Sale Solution for Restaurants

by Xplor Pay

In today’s dynamic market landscape, the restaurant industry finds itself at a critical juncture. Challenges such as rising operational costs, from ingredients to labor, and rapidly changing consumer preferences are putting unprecedented pressure on businesses.

Read more

Software Providers

March 01 2024

6 min read

Comparing Xplor Pay’s Mobile SDK and Mobile App

by Xplor Pay

We kicked off 2024 by officially launching our much anticipated Xplor Pay Mobile App, which small businesses can use through a merchant account to capture credit card payments from anywhere, anytime.

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Merchants

March 01 2024

4 min read

What is EMV Acceptance and the EMV Non-Acceptance Fee?

by Xplor Pay

In October 2015, the liability for transactions made with counterfeit cards shifted to businesses without EMV chip card technology in their POS systems or card terminals.

Read more

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© 2025 Clearent, LLC (operating as Xplor Pay) is a registered agent for Central Bank of St. Louis, MO; Citizens Bank, N.A., Providence, RI; and Pathward, N.A., Sioux Falls, SD.

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