Payments
Payments that stay controlled from request to settlement.
XiMCO Pay is the authoritative record of payment intent, authorization, capture and settlement, so operational products never have to invent their own money handling.
Payments workspace
Transactions and settlement status
- Today
- Active
- Pending
- Awaiting
- Settlements
- Scheduled
- Payment requestAuthorized, awaiting capturePending
- Refund reviewRequires reviewer approvalReview
- Provider batchSettlement file ready to reconcileReconcile
- Transactions
- Reconciliation
- Settlements
Workspace
Payment operations without guesswork
Every payment carries its full lifecycle, so support and finance teams can answer what happened, when, and what remains outstanding.
- Payment timelineRequest, authorization, capture and settlement states.
- Reconciliation viewExpected versus received, grouped by batch.
- Refund handlingPermissioned refunds linked to the original payment.
Capabilities
What XiMCO Pay handles across the ecosystem
A consistent payment path for every product, from authorization to settlement.
Payment requests
A single request shape used by Stay, Serve and Shop.
Authorization and capture
Separate steps where the business needs them.
Refunds and adjustments
Traceable corrections tied to the original transaction.
Reconciliation
Match captured payments to settlement batches.
Payment methods
Configurable methods per organization and location.
Financial handoff
Settled activity handed to XiMCO Books as structured events.
Guided workflow
The payment lifecycle
Each payment state is explicit, so no amount is captured, refunded or settled without a recorded transition.
- RequestA product requests payment for a defined amount.
- AuthorizeFunds are authorized against the chosen method.
- CaptureThe authorized amount is captured.
- ConfirmThe requesting product receives a confirmed result.
- ReconcileCaptured payments are matched against expected totals.
- SettleSettlement is recorded and handed to finance.
Trust and reliability
Payment control with a clear trail
Sensitive handling stays with the provider, approvals are role-scoped, and every state change is attributable.
Financial integrity
Payment states move forward only through valid transitions.
Least privilege
Refund and adjustment rights are granted deliberately.
Full auditability
Every state change is attributable and time-stamped.
See XiMCO Pay in your payment flow.
Share how you take and reconcile payments today and we'll show the controlled path.