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Payment Intelligence
That Pays You Back

Xplor Pay's direct processing + VPS AI analytics: Cut hidden fees by 20-40%, automate compliance, and reclaim your margins.

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Why Your Processing Costs More Than You Think

ISOs and legacy processors bury fees in the fine print. Here's what they're hiding — and how we expose it.

Hidden Fees & Miscellaneous Charges

  • PCI Non-Compliance Fees: $25-150/month for "audits" that never happen. ISOs charge this even if you're compliant.
  • Annual/Security Fees: $99-295/year for "vulnerability scans" — often automated and useless. These inflate your quoted 2.9% rate to 3.5%+.
  • Gateway/Setup Fees: $10-50/month + $95 one-time. ISOs mark up these from processors, adding 0.5-1% to effective rates.
  • Interchange Markup & Batch Fees: "Pass-through" claims hide 0.1-0.5% markups + $0.25/batch. Your "low rate" balloons 20-30%.

Real Impact

A $1M/year processor quoting 2.9% + $0.30? Hidden fees push it to 3.8% — costing $9,000/year.

With VPS + Xplor Pay: Transparent rates, no markups, AI-optimized — average 32% savings.

Direct Processor vs. ISO: Why It Matters

Xplor Pay (formerly Clearent) is a direct processor — no middlemen inflating costs. ISOs add layers of markups and opacity.

Xplor Pay / Clearent (Direct Processor)

  • Transparency: No hidden residuals — full visibility into every fee.
  • Control: Direct access to acquiring banks, faster onboarding (24-48 hrs), no ISO delays.
  • Savings: Pass-through interchange + no markup tiers — quoted rates are real rates (avg. 2.6-2.9%).
  • Support: 7-day dedicated teams, not outsourced ISO reps.

Typical ISO (Middleman)

  • Opacity: Layered markups (0.2-1%) on top of processor rates — "2.9%" becomes 3.5%+.
  • Delays: Multiple approvals, 1-2 weeks onboarding via ISO paperwork.
  • Extra Costs: ISO residuals (up to 3.5x) + "compliance" fees passed to you.
  • Support: Generic call centers, no direct processor access.

Switch to Direct: Save 20-40% Immediately

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Xplor Pay's Tech Stack: Built for Merchants, Not Middlemen

Cloud-native, API-first platform with embedded intelligence — no bloat, just results.

Global Cloud Platform

Seamless processing across POS, e-commerce, mobile, in-app, recurring billing, e-invoicing, and auto-reconciliation. Scale without downtime.

Embedded Payments API

PayFac as a Service for SaaS — integrate in days, not months. Tokenization, PCI P2PE, and Cloud EMV for security.

Merchant Tools

Mobile app for offline processing, virtual terminal, text-to-pay, and Xplor Capital for 24-hr financing — no hidden interest.

Explore Xplor Pay

VPS AI: Uncover Hidden Charges Against Industry Standards

Our proprietary AI scans your statements line-by-line, benchmarking against 10,000+ merchant datasets to spot overcharges.

How It Works

  1. Upload & Scan: Securely upload 3-6 months of statements — AI parses 100+ fee types in seconds.
  2. Benchmarking: Compares your rates to industry averages (e.g., 2.6% direct vs. 3.5% ISO-inflated).
  3. Detection: Flags anomalies like markup creep (0.1-0.5%) or unused "compliance" fees.
  4. Report & Fix: 24-hr PDF with savings estimate + 1-click Xplor Pay migration plan.

Typical Discoveries

  • Markup Inflation: ISO adds 0.3% on interchange — $3,000/year on $1M volume.
  • Phantom Fees: "Network access" charges ($10-50/mo) not in your quote.
  • Batch Overages: $0.25/batch x 300 = $7,500/year hidden in "miscellaneous."

Result: $9,500 average annual savings per merchant.

Upload Statement for Free Audit

Ready to Uncover Your Savings?

Free audit: We'll scan your statements and show you the hidden costs — in 24 hours.

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