X-Payments is a web-based PA-DSS certified payment application, designed for merchants, who accept credit card payments, using background payment gateways and who require compliance with PCI Data Security Standard (PCI-DSS). X-Payments allows merchants to: * Avoid a 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 application; * authorize payments without actual charge upon order placing and charge later (egwhen the order is fulfilled); * connect up to 10 online stores to single a X-Payments installation; * 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 has integrations with X-Cart, Magento, Zen Cart and OsCommerce See www.qtmsoft.com for more details. www.x-cart.com