No. X-CD does not charge monthly payment platform fees, gateway fees, or batch fees.

No. Merchant onboarding, underwriting, implementation, and payment integration are included.

Visa, Mastercard, American Express, Discover, Interac, JCB, Diners Club, and ACH/EFT/eCheck.

Yes. X-CD OnSite supports fully integrated payment terminals for in-person transactions.

Yes. In addition to all major credit cards, X-CD Payments supports: ACH for U.S. merchants EFT for Canadian merchants Wire transfers are not currently supported. Bank-to-bank payments are processed at a reduced 1% transaction fee, making them significantly less expensive than credit cards for high-value transactions such as sponsorships, exhibitor fees, membership dues, and institutional registrations. Just as importantly, ACH and EFT eliminate the headaches of paper checks and manual reconciliation. Every payment is automatically recorded, matched to the appropriate invoice or registration, and reflected in your financial reports. For many organizations, this saves dozens—or even hundreds—of administrative hours each year.

Stripe is an excellent payment processor—and for many organizations, it's one of the most modern and cost-effective solutions available. The difference is that X-CD Payments delivers the same modern payment experience while being fully integrated into your X-CD platform. Instead of simply processing payments, every transaction automatically becomes part of your organization's financial ecosystem. With X-CD Payments: Every payment is automatically linked to the attendee, member, exhibitor, sponsor, or donor. Revenue is itemized by every product purchased. Each revenue stream can have its own General Ledger (GL) code. Financial reports are always accurate and up to date. No manual exports, spreadsheets, or reconciliation between systems. Complete visibility into transactions, settlements, refunds, and payouts from within X-CD. Whether someone purchases: Conference Registration Membership Membership Dues Donations Exhibitor Booths Sponsorships Chapter Events Interest Groups Merchandise Continuing Education ...every dollar is automatically categorized and accounted for. Your accounting team gets cleaner books, your staff spends less time reconciling transactions, and finance always knows exactly where every dollar came from.

X-CD Payments replaces both your payment gateway and your payment processor. Many organizations using legacy payment systems have two separate vendors: A payment gateway (such as Authorize.Net) that securely passes payment information. A payment processor that actually processes the transaction. That means you're often paying multiple vendors for what is effectively a single payment. X-CD Payments combines both functions into one fully integrated solution. This eliminates many of the extra charges commonly associated with legacy gateways, including: Monthly gateway fees Batch fees Settlement fees Gateway transaction fees Miscellaneous processing surcharges Instead of managing multiple vendors and multiple invoices, you receive one modern payment platform that's built directly into X-CD.

Yes. Like virtually every payment processor, X-CD Payments charges an additional fee for internationally issued credit cards. International transactions require additional fraud screening, regulatory compliance, banking network costs, and currency handling. The surcharge is an industry-standard 2.5% for international cards. Domestic cards continue to process at your standard contracted rate.

No. Unlike many processors that charge different rates depending on the card brand, X-CD Payments keeps pricing simple. All major credit cards—including: Visa Mastercard American Express Discover are processed at the same flat rate: 3.9% + $0.30 per transaction There are no additional surcharges simply because a customer chooses to pay with American Express.

Yes. Every new X-CD Payments customer receives one complimentary PAX A800 payment terminal. We'll purchase it, configure it, and ship it directly to your office. Once it arrives, it's yours to keep and use at all future conferences, meetings, and events. There are: No rental fees No monthly terminal fees No equipment lease Need additional terminals? Additional PAX A800 terminals can be purchased for $999 each, with no recurring monthly charges.

Everything is available directly within X-CD. You'll have visibility into: Individual transactions Refunds Chargebacks Daily settlements Deposits Payout history Financial reporting Rather than logging into multiple systems, finance teams have one centralized place to manage payment activity alongside registrations, memberships, exhibitors, and invoices.

Yes. X-CD Payments is built on modern, secure payment infrastructure and follows current PCI security standards to help protect cardholder data while minimizing your organization's compliance burden. Sensitive payment information is securely handled by the payment platform and is never stored within your X-CD database.