Ewf, it looks like we have a misleading instruction somewhere. Could you please post a screen shot of that place?
Also, in order to use X-Payments you need to have it running. What you see in your X-Cart 5.2.x software is a connector module that lets you to connect your shop with X-Payments for PCI compliant credit card processing and saving. See more details at
https://www.x-payments.com/xcart5-features.html