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E-xact Review


E-xact Transactions offers an easy-to-use gateway solution for businesses that need to accept credit cards online through an e-commerce website or through phone and mail orders. You can accept major credit and debit cards, including Visa, MasterCard, American Express, and Discover.

Here’s what you need to know if you’re considering the E-xact gateway.

Using the E-xact Gateway

The E-xact gateway is available for Windows, Unix, and Linux platforms. For programmers, E-xact supports Java, Perl, ASP, PHP, and more. If you’d like to use E-xact, you’ll need to process payments through Chase Paymentech, Global Payments, TSYS, or Moneris.

E-xact Features

If you’re thinking about using E-xact to take payments online, E-xact offers several features to make that process easier. Available options include hosted payment pages, API resources, a virtual terminal, recurring payments, and real-time reporting.

Hosted Payment Pages
You want to be able to accept online payments, but the thought of developing one, let alone handling customer data, is daunting. E-xact’s hosted payment pages remove the headaches as well as the security risks. With a hosted payment page, E-xact will handle the complexities of card data storage in addition to processing the transactions on the back end. Your customer shops on your website and pays through the E-xact secure server with a hosted payment page that can be tailored to include your logo and other details. Then the customer receives a customized receipt for their purchase and is directed back to your site. The process is fast, easy, and seamless. E-xact’s hosted pages are flexible, allowing for easy updates as new technologies or options become available.

API Resources
Are your payment needs more sophisticated? E-xact offers API payments, which let you tokenize transactions, automate subscription enrollment, and more. The gateway supports several languages, including Java, Perl, ASP, and PHP.

Virtual Terminal
If you accept credit card payments over the phone or by mail, E-xact’s virtual terminal enables you to enter credit card details and process those payments. Virtual terminals are recommended for businesses who accept payments by phone or mail order, such as catalogue businesses. The virtual terminal can be accessed through the real-time payment manager (RPM) online dashboard.

Recurring Payments
Managing recurring payments can be a hassle - unless your payment gateway can handle it for you. E-xact boasts that its interface allows you to set up recurring payments easily and quickly. Simply set up the recurring payment schedule in the online interface, and E-xact will take care of the rest. Transactions are handled with the same high security as one-time payments and no card information is stored on your individual computer.

EMV Chip Card Acceptance
EMV chip cards (also known as pin-and-chip cards) have been the standard in Europe and Canada for the past several years because they’re more secure. Credit card companies want American merchants to join the bandwagon. E-xact helps you accept EMV chip cards with a card reader and its hosted checkout browser.

Real Time Reporting
E-xact’s real-time payment manager (RPM) serves as a robust reporting and business management solution. Available from any internet-connected device, the online dashboard includes detailed reporting, including transaction history search, activity by terminal, approved transactions by terminal, declined transactions, and more. You can even choose to have email summaries of transactions sent automatically. Transaction summaries can be sent daily or monthly. The real-time payment manager is also home to the online virtual terminal.


E-xact is PCI Level 1 compliant and offers fraud prevention tools like the ability to tokenize credit card data, meaning that credit card numbers are turned into a unique symbol that hackers can’t utilize.

Product Features

Selective: TSYS, Chase Paymentech, CT Payments


  • Includes virtual terminal
  • Fraud prevention features
  • Recurring billing
  • Level III data
  • Mobile swiper support
  • Card storage vault
  • Hosted Checkout
  • Multi-currency support
  • Web Service API
  • Customized risk preferences
  • Real-time reports
  • Electronic invoicing

E-xact Q&A

E-xact Reviews ( 1)

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from CardFellow, on May 16, 2016

With recurring billing, hosted payment pages, and a virtual terminal, the E-xact gateway offers all the basics for online payments. The gateway isn't limited to one processor, but it isn't supported by all the major players, either.

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