--- title: "Xplor Pay Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about Xplor Pay Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more." source_url: "https://www.capterra.com/p/178639/Clearent-Payment-Processing/" page_type: "product" language: "en" --- # Xplor Pay Software Review 2026: Features, Integrations, Pros & Cons Last updated on August 20, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Features](#features)[Pricing](#pricing)[Support](#support)[Reviews](#reviews) Xplor Pay ## What is Xplor Pay? Founded in 2005, Xplor Pay is a full-service, embedded payments solution for vertical SaaS platforms and businesses of all sizes. Built to simplify daily operations and unlock new revenue streams, Xplor Pay delivers seamless, secure, and flexible payment experiences for businesses and the customers they serve. Business owners can accelerate cash flow, reduce manual reconciliation, improve billing accuracy, and deliver a smooth, consistent customer experience – so they can focus on running and growing their business rather than managing administrative complexity. ## What is Xplor Pay used for? [Payment Processing](https://www.capterra.com/payment-processing-software/) Top alternative Featured Overall rating Based on 23 user reviews Reviews sentiment Positive 78% Neutral 4% Negative 17% ### Starting price Free trial not available Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for Xplor Pay?[Manage this product listing](https://www.g2.com/products/xplor-pay/claim_requests/new?auto=true) ## Xplor Pay Overview Updated August 2026 AI summary Xplor Pay enables businesses of all sizes to manage payment processing through cloud-based ACH, in-person, mobile, and online payment capabilities, along with recurring billing, reporting, and optional features like API integration, electronic signatures, and loyalty programs. Reviewers frequently note responsive customer support, though pricing and contract terms are cited as areas of concern for small businesses. ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### Xplor Pay 4.1 (23) VS. [4.7 (3,658)](https://www.capterra.com/p/153752/Vagaro/reviews/) Starting Price Contact vendor Starting Price $23.99 Flat Rate, Per Month Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.4 (23) Ease Of Use 4.6 (26,641) Value For Money 3.6 (23) Value For Money 4.6 (20,480) Customer Service 3.7 (23) Customer Service 4.6 (20,738) ## Xplor Pay alternatives [4.7 (484)](https://www.capterra.com/p/182990/GCPAY/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 96% of reviewers rated it above 4 stars [PayPal](https://www.capterra.com/p/207944/PayPal/) [4.6 (26,663)](https://www.capterra.com/p/207944/PayPal/reviews/) Starting price $0.29 Per User, Per Month Pricing Options Free Trial Free Version User Rating 94% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/207944/PayPal/) Highest Rated [Venmo](https://www.capterra.com/p/222572/Venmo-/) [4.7 (9,306)](https://www.capterra.com/p/222572/Venmo-/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 95% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/222572/Venmo-/) [Stripe](https://www.capterra.com/p/123889/Stripe/) [4.6 (3,383)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 93% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/123889/Stripe/) [View all alternatives](https://www.capterra.com/p/178639/Clearent-Payment-Processing/alternatives/) ## FAQs about Xplor Pay Overview ### Which roles and teams benefit most from Xplor Pay? Xplor Pay is most used by business owners, office managers, and operations leaders who need streamlined payment processing, billing, and day-to-day account oversight. Front-desk, administrative, and customer service teams rely on it to collect payments efficiently, while finance-minded leaders use it to monitor cash flow, reporting, and transaction activity. Answer based on 22 reviews Overview ### What company size and industries is Xplor Pay built for? Xplor Pay is built for small businesses, which make up 100% of reviewers, with the strongest presence in retail at 18%. It also serves consumer services and construction at 14% each, aligning with its stated audience across SMBs, healthcare, restaurants, retail, and B2B for payment processing. Answer based on 22 reviews Features and Usability ### What are the key features of Xplor Pay? Xplor Pay offers ACH payment processing, in-person payments, mobile payments, online payments, and point of sale (POS) capabilities for taking transactions across channels. It also includes recurring/subscription billing, electronic signature, reporting/analytics, an API, and a loyalty program for payment workflows and customer tracking. Getting Started and Support ### What training and onboarding options does Xplor Pay offer? Xplor Pay provides in person training, live online sessions, webinars, documentation, and videos. In person and live online formats support guided instruction, webinars cover scheduled group learning, documentation offers written reference material, and videos provide self-paced visual guidance for teams getting started. Getting Started and Support ### What customer support options does Xplor Pay offer? Xplor Pay provides email/help desk, FAQ/forum, knowledge base, and phone support. Users often describe the phone help desk as quick and friendly, with clear guidance and little waiting time. Some also report efficient answers from support, while others mention inconsistent service and occasional confusion on account issues. Answer based on 5 reviews ## Features AI summary Based on 17,640 Payment Processing reviews Capterra data shows that buyers of payment processing software rank the following features as their top priorities: - **Data Security** (**58%** of reviewers rated this feature as critical) - **Online Payments** (**55%**) - **Mobile Access** (**53%**) Xplor Pay supports **Online Payments**, which helps businesses accept payments digitally and serve customers across more channels. However, it does not include **Data Security** or **Mobile Access** among these top buyer priorities. Instead, it offers **Mobile Payments** (**49%**), a related feature that can still support payment collection on the go. Together, these capabilities help businesses process transactions more flexibly, providing teams with more ways to accept payments and support day-to-day sales activity. Online Payments 4.6 (10) 80.00% of 10 reviewers that rated this feature as important or highly important Accept and process online payment transactions Mobile Payments 4.1 (14) 50.00% of 14 reviewers that rated this feature as important or highly important Clients can submit payments via mobile devices In-Person Payments 4.5 (15) 53.33% of 15 reviewers that rated this feature as important or highly important Transactions that typically involve face-to-face interactions between the payer and the payee Reporting/Analytics 4.2 (14) 35.71% of 14 reviewers that rated this feature as important or highly important View and track pertinent metrics to find patterns and gain insights from data ACH Payment Processing 4.3 (11) 63.64% of 11 reviewers that rated this feature as important or highly important Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) Recurring/Subscription Billing 3.7 (9) 55.56% of 9 reviewers that rated this feature as important or highly important Automated process of charging customers at regular intervals for repeated access or use of a product or service Xplor Pay 9 features ### All Features - ACH Payment Processing: Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) - API: Application programming interface that allows for integration with other systems/databases - Electronic Signature: Digitally sign online documents - In-Person Payments: Transactions that typically involve face-to-face interactions between the payer and the payee - Loyalty Program: Offer prizes, discounts, and other incentives for customers to earn reward points on purchases and redeem them for future purchases - Mobile Payments: Clients can submit payments via mobile devices - Online Payments: Accept and process online payment transactions - Recurring/Subscription Billing: Automated process of charging customers at regular intervals for repeated access or use of a product or service - Reporting/Analytics: View and track pertinent metrics to find patterns and gain insights from data --- Get Advice We can help you find the software with the features you need. Features 4.2 (23) 4.2 Based on 23 reviews ## Pricing Value for money 3.6 (23) ### Starting price Free trial not available Value for money 3.6 (23) 3.6 Based on 23 reviews Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Support, customer service and training options Customer Service 3.7 (23) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 3.7 (23) 3.7 Based on 23 reviews ## User reviews Overall rating 4.1 Based on 23 reviews Filter by rating 5(14) 4(4) 3(1) 2(1) 1(3) Mentioned topic Sorted by most recent JD Joe D. Managing Director Building Materials ### "Horrible Experience with xplor pay." 1.0 Overall Rating 1.0 1.0 Ease of Use 3.0 3.0 Features 2.0 2.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 September 11, 2026 Our cart system was tested by a bot. Even though Our multi-level defenses worked and nothing got through, Xplor didnt like the fact our site was tested and simply shut down credit card processing. For good! With no warning, we were out of the credit card business with over a $ 1/4 million of orders in the processsing queque and new orders with no way to accept. Then, they left for the night. The next morning we were connect to an outsourced "fraud specialist" working out of his house. it was like talking to a wall. He couldnt offer a sound reason other than they felt the site might be prone to future testing. When asked what could be done to reactivate processing, he had no suggestion other than find another source. Weve been in Ecommerce 27 years. We have effective multilevel security. The whole event was unbelievable and very expensive. Horrible. Pros During the time it worked, it was worked well. No complaints to speak of until we had a bot tested our cart and tried testing credit cards. Cons Responsiveness and customer support was horrible. Authorize.net triggered and alert and our system locked down the bot. But by then a group of small transaction tests had been identified by xplor. None were approved and none processed, but xplor freaked. Switched from [TSYS Merchant Solutions](https://www.capterra.com/p/171166/TSYS-Mobile/) Overrall cost of the contract bid was better Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. JD Jason D. Owner Construction ### "Best for bigger business. " 2.0 Overall Rating 2.0 2.0 Ease of Use 3.0 3.0 Features 2.0 2.0 Customer Service 2.0 2.0 Likelihood to Recommend 0/10 May 29, 2026 My overall experience was below average at best. While the CRM integration worked well and offered some convenience, the cost structure and strict contract terms outweighed many of the benefits for my business. It may be a better fit for larger companies, but I found it very challenging for a smaller operation. Pros The biggest benefit was that it integrated directly with my CRM, which made managing customer information, payments, and day-to-day operations much easier. Having everything connected in one system helped reduce manual work and improved efficiency for my business. Cons The pricing was difficult to justify for a small business. In addition to the monthly costs, I felt the cancellation fees were excessively high and made it expensive to leave the service if it was no longer a good fit. The contract terms felt restrictive compared to other options available. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. MA Matthew A. President Construction ### "RIP OFF service" 1.0 Overall Rating 1.0 1.0 Ease of Use 3.0 3.0 Features 3.0 3.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 January 6, 2026 Horrible Barely used the service, they kept adding charges to our account and made it impossible to remove the charges. Cons Rip Off company. Added additional features/costs to our account without our authorization. Tried to get them removed, continued to bill us for the additional features and would not remove from our bill. Cancelled our service. WOULD NOT RECOMMEND Alternatives considered [ContentCatcher](https://www.capterra.com/p/178083/CLEARNETWORK/) Reasons for choosing Xplor Pay was good under Clearnet, when it became Xplor Pay they increased costs, added features/cost not requested. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. KC Kyle C. Owner Food & Beverages ### "Terrible company " 1.0 Overall Rating 1.0 1.0 Ease of Use 1.0 1.0 Features 1.0 1.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 March 12, 2025 Terrible customer service. No communication. Stole hundreds of dollars Pros They are scam artists that bills for additional fees Cons They are scam artists. Stole money while I had an account with them. Stole money after I ended my contract. Alternatives considered [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/) Reasons for choosing Xplor Pay More convenient until I found out they were stealing money Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Response from Vendor March 14, 2025 Thank you for sharing your feedback, and we deeply apologize for the experience you've had. We understand how frustrating it can be, and we are truly sorry for any inconvenience or frustration this has caused you. Please know that we take your concerns very seriously, and we would appreciate the opportunity to investigate this matter further and resolve it as quickly as possible. Could you kindly reach out to our customer service team directly with details about your experience at customersupport@clearent.com? We want to make sure that we address your concerns and find a fair solution. Again, we sincerely apologize for any inconvenience caused and hope we can regain your trust. AN Anonymous User Owner Retail ### "Excellent Customer Service " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 November 15, 2024 Overall I'm very happy with Clearnet. Their rates are acceptable and their customer service is excellent Pros The phone in help desk is especially helpful. Thankfully i don't have to call in frequently but when i do they are always friendly courteous and solve my problem within minutes. Cons The PCI compliance questions are often hard to navigate especially for a person with little tech knowledge Switched from [CDK Global](https://www.capterra.com/p/122988/CDK-Global/) Very expensive processing company very hard to work with Review source Vendor Referred: This reviewer was invited by the software vendor to submit an honest review. Response from Vendor November 21, 2024 Thank you for your feedback! TB Trena B. Office Manager Retail ### "Excellent Service" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 November 11, 2024 Reliable processing a representative that is helpful. Pros Our funds are available the next day. Our rep \[sensitive content hidden\] is awsome! Cons We do like our total experience with Clearent Switched from [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/) Poor service and high rates with previous processer Review source Vendor Referred: This reviewer was invited by the software vendor to submit an honest review. Response from Vendor November 13, 2024 We appreciate your kind words. HB Hanna B. Vice President of Development Consumer Services ### "A+ Service " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 November 8, 2024 Positive... easy to work with and clear instructions on how to fix issue Pros good customer service - no waiting time, clear guidance on how to fix the issue we were having Cons This category does not apply as we were completely satisfied with the serice Review source Vendor Referred: This reviewer was invited by the software vendor to submit an honest review. Response from Vendor November 13, 2024 Thanks for the wonderful review! Our team works hard to deliver great service, and it’s fantastic to hear it’s appreciated. JA Jo Ann G. Administrator Mechanical or Industrial Engineering ### "Quick Customer Service" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 November 8, 2024 Quick & efficient. Live representative to talk to. Pros Customer service was quick and efficient at answering my question. Get a live person and no unending recordings Cons Glitch online with my "Virtual terminal" tab on left drop down doesn't appear all the time like it used to. I have to select different merchant at top and then it pops up. Switched from [Acowin](https://www.capterra.com/p/5844/Acowin/) software issues, credit card processing high Review source Vendor Referred: This reviewer was invited by the software vendor to submit an honest review. Response from Vendor November 13, 2024 We appreciate your kind words. WS Wendy S. Patient Care and Insurance Coordinator Health, Wellness and Fitness ### "Great Customer Service" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 October 25, 2024 The agents are courteous and knowledgeable, walking you through the steps to get your issue resolved. Pros We have had no problem getting customer service on the rare occasion that we have needed help. That is huge in an era when automated messages seem to be fighting with you to keep you from speaking to a human! Cons No complaints. I cannot recall any hiccups in the past two years. Review source Vendor Referred: This reviewer was invited by the software vendor to submit an honest review. Response from Vendor October 29, 2024 Thank you so much for your kind words! We're thrilled to hear you had a great experience with us. CW Cayla W. Owner Retail ### "Good product for my needs. " 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 October 7, 2024 I like Clearent. My redo is great and easy to get ahold of people when needed Pros Ease of use. Whether on terminal or online it’s simple enough. Cons Wish if it was run as debit it wouldn’t charge customer fee. Worried about legalities of that. Switched from [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/) Using a different POS that didn’t come with its own ability to take cards. Review source Vendor Referred: This reviewer was invited by the software vendor to submit an honest review. Response from Vendor October 21, 2024 Thanks for the wonderful review! Our team works hard to deliver great service, and it’s fantastic to hear it’s appreciated. [View all Reviews](https://www.capterra.com/p/178639/Clearent-Payment-Processing/reviews/) ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Popular comparisons [Stripe vs Xplor Pay](https://www.capterra.com/compare/123889-178639/Stripe-vs-Clearent-Payment-Processing)