SmallPay vs Nexi XPay Build

This module allows you to connect your e-commerce website to the XPay payment gateway. XPay is Nexi’s service that enables you to accept online and mobile payments easily and quickly. XPay is the payment gateway provided by Nexi, a leading group in Italy with the goal of shaping the future of digital payments. Nexi has a strong market position, managing 44 million payment cards and processing transactions totaling 186 billion euros. It has 860,000 affiliated points of sale in Italy, including over 18,000 e-commerce platforms that use the XPay payment gateway. XPay allows you to accept online payments and is compatible with all major payment circuits. It can handle all sales channels, including e-commerce and mobile. The XPay Build extension for WordPress/WooCommerce enables you to integrate the XPay payment gateway into your website without additional implementations. XPay Build is a solution that allows, through the use of a Javascript SDK client, to host the payment form within your site, without redirecting the customer to the XPay checkout page, but at the same time avoiding to manage the card data. The extension is regularly updated to incorporate the advancements and improvements of XPay. To use the extension, you need an XPay account, which you can easily obtain online at https://ecommerce.nexi.it/. XPay Module Features XPay Build: Entry form for card data on your site without redirections on external cash pages. One-Click Payment: Allows the end customer to store their credit card data and use it for future purchases with a single click. Recurring Payment: Enables the merchant to tokenize the customer’s card data, allowing for recurring billing and subscriptions. To enable recurring payments, you need to install the WooCommerce Subscriptions extension. Pay-By-Link: Enables sending a payment link to the customer via email or social media. Transaction Management: Supports international payment circuits such as Visa, Mastercard, Visa Electron, V-Pay, Maestro, American Express. Acceptance of Alternative Payment Systems: (PayPal, Amazon Pay, Apple Pay, Google Pay, Bancomat Pay, MyBank, iDeal, Bancontact, GiroPay, etc.) Easy Checkout: Provides a simple and intuitive payment interface (Nexi checkout page with merchant logo). Testing Area: Allows testing the module’s functionality using dummy parameters and cards, without conducting real transactions. Multilingual Support: Recognizes the language of the merchant’s portal and automatically sets it in the XPay checkout page. Accounting Management: Allows configuring the collection mode (total or partial, immediate or deferred) directly from the module. Back-Office Operations: Enables refund and cancellation operations directly from the CMS order management, without accessing the XPay back office. 3D Secure 2: Implemented by major international circuits (Visa, MasterCard, American Express), introduces new authentication methods to enhance and expedite the cardholder’s purchasing experience. Depending on your agreement and plugin configuration, the availability of XPay features may vary. For more information, please consult the technical specifications in the subscribed service’s developer portal. You can find the link to the technical specifications in the welcome email received upon service activation. For more information, please visit https://ecommerce.nexi.it. Configuration Go to the WooCommerce settings and click on “Payments.” Click on Nexi XPay Build to proceed with the configuration. Enable the payment method. Choose between the options Alias – MAC Key or API Key based on the subscribed service. Enable/Disable the test mode to test the module using the test credentials provided by Nexi. Click on Save. Adding/Removing Alternative Payment Methods To add or remove alternative payment methods, you need to access the XPay back office. After making any changes, save the XPay module configuration to update the payment methods. Bancomat Pay The plugin updates the order status through a notification sent by Nexi’s servers. If the module doesn’t receive the notification correctly, it won’t be able to update the status. By default, in case of notification issues (unreachable site, errors received from the merchant’s site), the transaction is canceled, even if the payment is successfully completed. This behavior ensures that the status of Nexi transactions aligns with the order status in the CMS. The option to cancel the transaction in case of failed notification is not available with the Bancomat Pay payment method. In case of notification anomalies, there might be discrepancies between the order status returned by the plugin and the actual transaction status on the Nexi side. Therefore, the following scenario may occur: the Bancomat Pay payment is successfully made with a positive outcome, but due to a notification problem, the plugin is unable to update the order status to “Processing.” This payment method doesn’t support transaction refunds. In case of a refund, the merchant will need to proceed with a bank transfer or another method.

Smallpay is a company specialized in recurring payments with credit cards; Smallpay is a cloud platform that offers to the seller the possibility of sellingof goods and services in installments with automatic and recurring payment on credit cards. Smallpay offers the Merchant the possibility of payments in installments on any purchase and to charge monthly each installment on the card of his client. It is possible to do this both for the operators of physical stores that access their account with Log-in and password, and for the owners of online shops who have downloaded the plugin and have activated it on their e-commerce site. All merchant’s customers will only have to enter their credit card number in the check-out page for payment of the first installment; the installments following the first one will be debited automatically, on the same card, on the 5th of each month until the current installments are canceled Features Ability to apply installments on product categories Ability to set up to 3 price ranges on which to apply the installments Ability to select the minimum and maximum number of installments for each price range Merchant and customer can view active installment plans Receiving installment plan updates in the Woocommerce back office Security Being Smallpay a Nexi partner (https://ecommerce.nexi.it/), entrusts to Nexi all the security requirements related first transactions made online by the customer in favor of the operator. Smallpay will send payments after the first only after receiving a security code from Nexi (token), only once a month and only for the number of installments that the merchant has granted to his client for a specific purchase. Rates Plugin: free Plug-in maintenance: free Plugin updates: free Commissions 1 € + VAT per transaction Rate in% of the volume transacted according to the contract signed for XPay. The monthly cost of the account is € 19.90 + VAT. Account and Back Office The account dashboard allows the operator to view the status of payments in real time, to analyze the statistics of the payments received and the planning of future payments of installments that will be paid over time. What customers will appreciate Being able to pay in installments an asset or service with interest 0 is the most important factor and pushes many customers to use the Smallpay service, preferring it to financial services that have very high costs. Furthermore, the activation of installments with a financial company is long and laborious and the practice can be refused. With Smallpay the outcome of the first transaction is given in real time and, if the first installment is successful, the subsequent installments will also be charged to the same card. What merchants will appreciate Allowing payments in installments for an asset or service with interest 0 allows the operator to sell items of greater value or offer longer-term subscription services. Furthermore, the system is easy and intuitive and no specialized staff is needed to activate an installment plan simply and quickly. Not least, at the beginning of each month the operator receives in a single solution the total amount of the installments expiring in the reference month