Typically, your X-Cart 5 store will have the X-Payments connector installed and enabled from the very start:

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If not, you can install it from the X-Cart 5 Marketplace.

For instructions on how to configure the connection, see Connecting X-Cart 5 and X-Payments.

Important: Please be aware that the X-Payments connector for X-Cart 5 has no support for the Not Finished Orders addon; for this reason, regardless of the addon settings, not finished orders will not be created when payment is made via X-Payments.