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What is Xplor Pay?

Xplor Pay is a fully embedded payments platform designed to help vertical SaaS companies replace fragmented payment processes with a unified, revenue-driven payment experience. Unlike traditional processors that leave teams to navigate onboarding, underwriting, and go-to-market challenges alone, Xplor Pay offers a PayFac-as-a-Service model that emphasizes true partnership. Software providers gain access to comprehensive support teams spanning integration engineering, sales enablement, risk management, and merchant success. This collaborative approach enables platforms to deploy payments quickly, monetize transactions more effectively, and maintain complete transparency into revenue performance through detailed residual and reporting tools. With more than $31B in annual processing volume and over 66,000 businesses served, Xplor Pay supports scalable growth for platforms of all sizes. Its API suite—covering transactions, disputes, recurring billing, reporting, and mobile SDKs—gives developers the flexibility to build deeply integrated payment experiences. The platform also provides sales and marketing resources that help SaaS partners drive adoption and reduce cost of customer acquisition. Payment monetization is simplified with consistent support before and after integration, ensuring smoother launches and stronger long-term results. By delivering infrastructure, collaboration, and strategic enablement, Xplor Pay empowers SaaS companies to expand revenue streams with confidence. For software teams seeking a payments partner—not just a processor—Xplor Pay delivers a complete ecosystem built for growth.

What is Flute?

Flute is a payment processing and financial technology platform designed to give growing businesses a unified way to accept, manage, protect, and access payments. The platform supports in-person, mobile, online, phone, and embedded payment workflows so merchants can use a consistent system across different sales channels. Payment options include credit and debit cards, contactless payments, QR codes, ACH, digital wallets, virtual terminals, hosted payment pages, and recurring transactions. Businesses can choose from portable or mounted point-of-sale hardware, use compatible existing devices, or accept payments directly through supported mobile devices. Flute’s invoicing tools allow organizations to send branded invoices with multiple payment methods while keeping transaction activity connected to the broader payment environment. Dashboard and reporting features provide visibility into customers, merchants, transactions, operational activity, and payment performance from a centralized interface. Recurring billing capabilities support subscriptions and repeat purchases while storing tokenized customer payment information in a secure vault. Flute also provides instant payouts and working capital features that can help businesses gain quicker access to earned revenue and manage cash flow. Fraud protection, encryption, network tokenization, and other security features are designed to reduce exposure to card testing, chargeback abuse, payment declines, and sensitive data risks. Developers and software companies can use Flute’s APIs, SDKs, gateways, and embedded payment tools to integrate payment capabilities directly into their own applications and customer experiences. Flute is intended for merchants, SaaS providers, ISOs, associations, and service businesses that want a scalable payments infrastructure with flexible processing, financial management, security, hardware, and developer options.

Media

Media

Integrations Supported

BPA Hotel & Propery Management
Chargeback Gurus
Clear Estimates
LINGA KDS
MobiWork
Paired Plus
Xplor Education

Integrations Supported

BPA Hotel & Propery Management
Chargeback Gurus
Clear Estimates
LINGA KDS
MobiWork
Paired Plus
Xplor Education

API Availability

Has API

API Availability

Has API

Pricing Information

Pricing not provided
Free Version
Free Trial Offered?

Pricing Information

Pricing not provided
Free Version
Free Trial Offered?

Supported Platforms

SaaS
Android
iPhone
iPad
Windows
Mac
On-Prem
Chromebook
Linux

Supported Platforms

SaaS
Android
iPhone
iPad
Windows
Mac
On-Prem
Chromebook
Linux

Customer Service / Support

Standard Support
24 Hour Support
Web-Based Support

Customer Service / Support

Standard Support
24 Hour Support
Web-Based Support

Training Options

Documentation Hub
Webinars
Online Training
On-Site Training

Training Options

Documentation Hub
Webinars
Online Training
On-Site Training

Company Facts

Organization Name

Clearent

Date Founded

2005

Company Location

United States

Company Website

xplorpay.com

Company Facts

Organization Name

Flute

Date Founded

2005

Company Location

United States

Company Website

flute.com

Categories and Features

Payment Processing

ACH Check Transactions
Bitcoin Compatible
Debit Card Support
Gift Card Management
Mobile Payments
Online Payments
POS Transactions
Receipt Printing
Recurring Billing
Signature Capture

Categories and Features

Payment Gateways

ACH / eCheck support
Buyer Authentication
Credit / Debit Support
Customer Information Storage
Fraud Prevention
Invoicing
Multi-Currency
PCI Compliance
Point-of-Sale (POS)
Recurring Billing / Subscriptions
Reporting / Analytics

Payment Processing

ACH Check Transactions
Bitcoin Compatible
Debit Card Support
Gift Card Management
Mobile Payments
Online Payments
POS Transactions
Receipt Printing
Recurring Billing
Signature Capture

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