Nexi XPay is a payment platform operating in high-growth, attractive European markets. Listed on Euronext Milan, Nexi XPay provides flexible support for the digital economy, across a broad range of different payment methods.

Committed to supporting businesses of all sizes, Nexi XPay transforms the way you accept payments on your storefront. It offers innovative and reliable solutions such as Apple Pay and Klarna, and supports features like stored credit cards and 3D Secure to better serve your customers and expand the markets you serve.

 

Requirements

  • Your store must be located in Italy.
  • You must have EUR as an available transactional currency.
    • Depending on your integration method, Nexi XPay may support additional transactional currencies. See Common Questions for more information.
  • You must hold a bank account with an Italian IBAN.
  • Your store must use Optimized One-Page Checkout.
  • The Manage Payments and Manage Settings user permissions must be enabled in your user account.
 

Setting up Nexi XPay

If you do not currently have a Nexi XPay merchant account, you will need to sign up at Nexi XPay. You will receive an email with credentials to connect your Nexi XPay account to your BigCommerce store.

To set up Nexi XPay in the BigCommerce control panel, go to Store Setup › Payments and select Nexi XPay from the list of Online Payment Methods.

The Set up button for Nexi XPay in the list of Online Payment Methods

Depending on the type of credentials you received when creating your Nexi XPay account, enter your API Key or your Alias and MAC Keyin the fields provided.

The Api Key, Alias, and MAC Key fields in Nexi XPay settings

 

Disable the integration method that does not correspond to your credentials. For example, if you are connecting Nexi XPay with an Alias and MAC Key, you should click Disable next to “XPay con Api Key”.

The Disable button to hide the unused integration method in Nexi XPay settings

Save your changes when done.

 

Nexi XPay Settings

After enabling the Nexi XPay payment gateway in your store, you can configure the settings that are available with your integration method.

XPay con Api Key

  • API Key — API key provided by Nexi XPay. To generate a new API Key, log in to Nexi Business and click Add New APIKey in Admin › APIKey.
  • 3D Secure 2 — activates the 3D Secure cardholder authentication service at checkout
  • Display Name — how the payment option will appear to your customers at checkout. We recommend using Credit/Debit.

The settings list for Nexi XPay's API Key integration

XPay con Alias e Chiave MAC

  • Alias — provided by Nexi XPay during account setup
  • MAC Key — provided by Nexi XPay during account setup
  • Transaction Type — can be set to Authorize & Capture or Deferred Capture. Deferred Capture can be configured in your Nexi XPay merchant account as either manual capture or automatic capture after a preset number of days.
    • To select a deferred capture option, contact Nexi Customer Service at +39 800 970 098.
  • OneClick — enables stored credit cards via Nexi XPay OneClick payment
  • 3D Secure 2 — activates the 3D Secure cardholder authentication service at checkout
  • Display Name — how the payment option will appear to your customers at checkout. We recommend using Credit/Debit.

The list of settings for Nexi XPay's Alias and MAC Key integration method.

Test Mode

Test mode allows you to place test orders with Nexi XPay without processing a live transaction. Check the Enable box next to your integration method to test your checkout flow, and uncheck the box when your store is ready to accept live transactions and process orders.

Nexi XPay's Test mode settings with the Enable checkboxes highlighted

 

Common Questions

Pricing and Fees

What fees are associated with Nexi XPay?

If you connected Nexi XPay using the Alias and MAC Key integration method, the following monthly and transaction fees apply, based on the solution you selected:

XPay SolutionMonthly FeeTransaction Fee
XPay Easy€ 14.902.4% + €0.20 per transaction
XPay Pro€24.901.9% + €0.24 per transaction

If you connected Nexi XPay using the API Key integration method, your fees will be established during account setup.

Account Eligibility

What currencies and countries does Nexi XPay support?

Nexi XPay is available for merchants in Italy that transact in EUR.

If you are using Nexi’s XPay Pro solution, the Dynamic Currency Conversion (DCC) feature allows your shoppers to transact in one of 39 currencies using international Visa and Mastercard credit cards, while settling the transaction in your bank account as EUR.

What items are restricted for merchants to sell?

See Nexi XPay’s documentation for a list of categories of goods and/or services prohibited in Distance Commerce. Note that this list is only available in Italian.

Can I use the same account for multiple storefronts?

No, the credentials provided by Nexi XPay during account setup must be unique for each storefront.

Transactions

After I create an account, what is the waiting period before I can process transactions?

There is no waiting period after creating an account.

How long until the funds are transferred to my bank?

The funds are transferred into your bank account after the following business day.

Will I or my customers receive an additional email or invoice from Nexi XPay?

Yes, you can configure your Nexi XPay merchant account to send an email to customers with their order details.

Refunds

How soon after a transaction can I perform a refund?

You can process a refund immediately, as long as the payment is settled.

Is there an amount of time after which I cannot perform a refund?

Refunds can be performed up to 1 year after the transaction was placed.

Are there any fees for chargebacks/refunds?

There are no fees for either chargebacks or refunds.

Additional Features

Are there any fraud filtering options available?

Nexi XPay is constantly updated with EMVCo security standards adopted by the main international card schemes (Visa, MasterCard, American Express), introducing new authentication methods and improving the purchase experience.

All anti-fraud and security features are already integrated on the gateway — no action is required to enable them.

Does it allow authorize-only or recurring/subscription payments?

If you connected Nexi XPay using the Alias and MAC Key integration method, you can configure transactions to be captured manually, or to defer automatic capture to a set number of days after the transaction was placed. To activate a deferred capture option, contact Nexi Customer Service at +39 800 970 098.

At this time, recurring and subscription payments are not supported by Nexi XPay.

Does Nexi XPay support multi-currency?

If you connected Nexi XPay using the Alias and MAC Key integration method and selected the XPay Pro solution, you can accept transactions in multiple currencies on your storefront. To learn more about setting up multiple currencies, see Using Multiple Currencies.

Does it support cryptocurrency?

No, cryptocurrency is not supported.

Which alternative payment methods are available with Nexi XPay?

The following payment methods can be enabled in your Nexi XPay merchant account. To learn more about the prerequisites and setup steps for an APM, click the corresponding link in the list below.

Once you’ve enabled an APM in your merchant account, you must refresh your settings in the BigCommerce control panel by navigating to the Nexi XPay Settings tab in Store Setup › Payments and clicking Save.

Troubleshooting and Payment Disputes

Why did my client receive an error when trying to pay?

Errors can occur if the payment details were entered incorrectly or if the selected payment method has insufficient funds. If you are receiving an error related to your integration’s connection credentials (Alias and MAC Key or API Key), contact Nexi XPay support.

How are payment disputes handled?

Should a dispute arise, contact Nexi XPay Customer Care directly from your merchant account to address it.

How do I contact Nexi XPay’s Support team?

If you are experiencing technical issues with Nexi XPay, such as issues with your integration’s connection credentials, contact their support team at Tech.ecommerce@nexi.it. To address issues with Nexi XPay transactions, contact their transaction support team at support.ecommerce@nexi.it.

You can also reach out to Nexi XPay’s phone support at +39 800 970 098.