Ok lets see now
1. Installation - as with xcart you need to first create the database, xpayments won't do it for you; installation instructions say make sure "var/log" directory has writable permissions but the install script kept complaining about "var/" catalog (not sure which one is that) needing to be 511 and it didn't let me continue (even when I made the whole xpayments directory together with all files and subdirectories 777) until I changed the owner of xpayments directory together with all files and subdirectories to the web server owner. I don't like that.
2. After successful install the only way to login to the back end is to execute the url sent in an email; if for any reason you don't get that email (and the second one with the pins) forget about login in; you will have to install again and hope you get the emails. I don't like that. We all know how xcart emails often end up in spam or not delivered at all; let's hope xpayments is not like this
3. After initial login right of way navigate to the create pins page, create new pins and PRINT the table. I made the mistake of just looking at the numbers and then logged out. No way to login again without knowing the exact number the system asks for. No way to recover PIN, you can recover only password which is useless if you don;t know the pin. I don't like this. And because each pin can be used only once what happens if last one is used and no new pins are created and you log out? No way to login back in. Read this
http://help.qtmsoft.com/index.php?title=X-Payments:User_manual#Managing_PIN-codes
4. Had no chance to do more testing as of right now I am locked out of xpayments. Will have to install it again and try the connector to xcart.
Can someone explain the whole fiasco with username-password-pin. What is the point of "forgot password" if you don't know the pin? There has to be a way for the admin to login if they forget password, pin, username. Or what is the point of password and pin used together?