X-Payments is a Web-based payment application designed for online merchants who accept credit card payments. It is compliant with version 1.2 of the Payment Card Industry Data Security Standard (PCI DSS), which requires using PA-DSS certified software for credit card processing. While processing credit card payments, X-Payments works as an intermediary between a store on the one side and payment gateways and 3D-Secure systems on the other side. Using X-Payments, online merchants can allow their customers to pay for their orders with credit cards, using online payment gateways. Payments can be authorized without actually charging when the order is placed and charging later (e.g. when the order is fulfilled). Payment gateways not supported by X-Payments out of the box can be integrated by using custom payment integration modules. The design and URL of the payment information entering form can be changed to match the design and URLs of the online store.