osCommerce a popular open source e-commerce application with strong and growing community. However it is virtually impossible to make community powered product like osCommerce PA-DSS compatible. X-Payments is PA-DSS certified payment application, that connects to osCommerce store out-of-the-box and process sensitive information in a PCI-DSS compliant manner. X-Payments is installed on the same domain as osCommerce store and customer doesn't have to leave site during checkout.

X-Payments is inexpensive and straightforward solution to make osCommerce PCI-DSS ready:

PCI DSS is a set of requirements designed to ensure that ALL companies that process, store or transmit credit card information maintain a secure environment. PCI DSS requirements apply to ALL organizations or merchants, regardless of size or number of transactions, that accepts, transmits or stores any cardholder data. See more at http://help.qtmsoft.com/index.php?title=PCI_FAQs

While processing credit card payments, X-Payments works as an intermediary between a osCommerce store on the one side and payment gateways and 3D-Secure systems on the other side.

• System requirements
• User manual

X-Payments allows osCommerce merchants to:

• you don't risk a $50,000 fine from VISA for non-compliance
• allow their customers to pay for the orders with credit cards, using online payment gateways;
• make their online stores compliant with the PCI-DSS standard version 1.2, which strictly recommends using only PA-DSS verified payment applications for accepting and handling credit card payments. X-Payments is PA-DSS certified;
• authorize payments without actual charge upon order placing and charge later (e.g.when the order is fulfilled);
• integrate with payment gateways, not supported by X-Payments out of the box using a custom made payment integration modules (supposed to be developed separately);
• change design and URL of the payment information entering form to go with the design and URL of the online store.

X-Payments integrates with osCommerce Online Merchant v2.2 and newer versions and can be integrated with any e-commerce software via its application programming interface.

Supported payment gateways:

• X-Payments v1.0 PA-DSS certified application
• X-Payments installation