How do XPay Intelligence signals work?

They are transparent, rule-based reads of real payment behavior: success rates, refunds, disputes, spend, and location. Every signal carries a visible reason, so you can see exactly why a customer or transaction looks reliable or risky.

Can I see a customer's behavior with other merchants?

No. Your customer data is exclusively yours. You only ever see activity processed through your own XPay account, and we never share it with other merchants.

How do I pull this into my CRM?

Profiles, signals, and transactions are available over the REST API, so you can bring payment context into your CRM or support desk. Signed webhooks keep your systems current in real time.

Is my customer data secure?

Yes. All data is encrypted in transit and at rest, XPay is PCI-DSS Level 1 compliant, and we never sell your data.

XPay Intelligence

Know every customer at a glance.

XPay Intelligence reads every payment and turns it into plain-language signals on each customer and each transaction. See who your VIPs are, who is new, and who is risky, without a data team.

Every customer

Every transaction

Rule-based signals

Your data only

Intelligence on every customer and every transaction. Automatic, rule-based signals with a plain-language reason behind each one.

Every transaction, scored

Unusual amounts, cross-border cards, retries, and repeat orders, flagged the moment they happen.

A signal for every behavior

From Top Spender to Card-Country Mismatch, XPay watches the patterns that matter.

Top spenderFrequent buyerSpending upNew customerRepeat purchaseMulti-deviceHigh refundsCard-country mismatchHigh failure rate

Transparent by design

Every signal shows its reason, so you always know why a customer looks reliable or risky.

Your data, yours alone

You only ever see activity from your own XPay account. We never share it with other merchants.

Sync to your CRM

Pull profiles and signals into your CRM or support desk via REST API and webhooks.

Turn signals into action. Reward loyalty, stop risk early, and win back the customers going quiet.

Reward your VIPs

Spot Top Spenders and Frequent Buyers and give them offers, early access, or priority support.

Stop risk before it costs you

High refunds, disputes, card-country mismatches, and failed-payment spikes surface before they hurt.

Win back quiet customers

See who has gone Inactive and reach out before they are gone for good.

FAQ

Common Questions About XPay Customer Profiles

XPay Intelligence turns every payment into signals on your customers and transactions, so you can reward loyalty, catch risk, and understand behavior without a data team.

Understand every customer you serve

Turn payments into intelligence, automatically.