xPay

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Tagline:International Payment Gateway Built for Businesses Selling Globally

Updated:October 22, 2026

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43Domain Rating by Ahrefs

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AI Finance Paid Subscription API Available Web App For Enterprise Cloud-based

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What is xPay?

Cross-border payment gateway for businesses, using direct local acquiring and smart retry logic to keep a 95% international payment success rate across 150+ currencies and 160+ countries. Backed by Y Combinator (W24), xPay serves 1,200+ enterprises and startups processing $400M in annual transactions.

How to use xPay?

Create an xPay account and complete KYC, then either drop in the API or generate a payment link in a few clicks to start collecting global card, wallet, and BNPL payments in 100+ currencies.

xPay Core Features

Global Subscriptions

India's only gateway with global subscriptions: collect recurring payments in 100+ currencies from most countries via links or integration. Built for SaaS.

Payment Links

No dev team? Create a payment link in a few clicks and send it to customers to collect payments instantly, with no integration required.

Global Collection Accounts

Get a US, UK, or CA bank account for your Indian entity and collect bank payments in USD, GBP, CAD and more, settled in 24 hours with compliant FIRC documents.

Sales Tax Autopilot

Flip a switch to automatically collect and remit sales tax across 100+ geographies — critical once your business crosses 10L+ per year internationally.

Transaction Visibility

View payment reports for any period, track growth and fees through built-in charts, and see transaction-level user data and risk scores for analysis.

45+ Local Payment Methods

Support 45+ local payment methods worldwide, including Klarna and Affirm BNPL, so customers pay with their preferred option in each region.

xPay Use Cases

SaaS companies collecting global subscriptions in 100+ currencies without opening a local entity

Indian exporters accepting international card, wallet, and bank payments at 95% success rates

Edtech platforms offering Klarna and Affirm installments so students pay over time

Marketplaces adding 45+ local payment methods to localize checkout by region

xPay Frequently Asked Questions

What currencies does this payment gateway support?

xPay processes payments in 110+ currencies across 140+ countries, and offers global collection accounts in 20+ currencies including USD, EUR, and GBP.

Which countries is xPay currently available in?

xPay supports 160+ countries and enables local payment methods across Europe, the US, and Asia.

What is xPay's pricing?

xPay uses transparent per-transaction pricing with no monthly subscription for the core gateway — wallets and BNPL start at 3.9% + $0.35 per transaction, card payments at 5% + $0.35. There are no hidden charges.

How does xPay achieve 95%+ success rates on international payments?

Through direct local acquiring and smart retry logic, xPay optimizes every cross-border transaction in real time to keep a 95% international payment success rate.

What is FIRC and does xPay provide it?

FIRC (Foreign Inward Remittance Certificate) is the compliance document Indian businesses need for incoming international payments. xPay provides instant FIRC access directly in your dashboard.

How long does settlement take for international payments with xPay?

Funds collected in USD, GBP, CAD, and other currencies are settled to your account in 24 hours, with compliant FIRC documents provided.

xPay Product Background & Official Links

xPay Support Email & Customer service contact & Refund contact etc.

More Contact, visit the about us page(https://xpaycheckout.com)

xPay Pricing

xPay Pricing Link: https://www.xpaycheckout.com/pricing

xPay Pricing & Plans

Pay-as-you-go

flat

From 3.9% + $0.35 per transaction

Wallets, Apple Pay, Google Pay, CashApp, Amazon Pay: 3.9% + $0.35 per transaction
Klarna and Afterpay BNPL: 7.5% + $0.35 per transaction
Card payments: 5% + $0.35 per transaction
No monthly subscription for the core gateway
No hidden charges — transparent, best-in-market fees

Subscribe & upgrade now

Priority Support

Recurring

$5,000 /month

Dedicated account manager
24/7 support with a 10-minute SLA
Dedicated dispute response team

Subscribe & upgrade now

Additional Storefronts

Recurring

$200 /month

First storefront always free
Each additional storefront billed at $200/month

Subscribe & upgrade now

xPay Tags

Paid Subscription API Available Web App For Enterprise Cloud-based

Best Suited Occupations for xPay

E-commerce Merchants Small Business Owners Finance & Accountants General Consumers

What is xPay?

xPay Core Features

Global Subscriptions

India's only gateway with global subscriptions: collect recurring payments in 100+ currencies from most countries via links or integration. Built for SaaS.

Payment Links

No dev team? Create a payment link in a few clicks and send it to customers to collect payments instantly, with no integration required.

Global Collection Accounts

Get a US, UK, or CA bank account for your Indian entity and collect bank payments in USD, GBP, CAD and more, settled in 24 hours with compliant FIRC documents.

Sales Tax Autopilot

Flip a switch to automatically collect and remit sales tax across 100+ geographies — critical once your business crosses 10L+ per year internationally.

Transaction Visibility

View payment reports for any period, track growth and fees through built-in charts, and see transaction-level user data and risk scores for analysis.

45+ Local Payment Methods

Support 45+ local payment methods worldwide, including Klarna and Affirm BNPL, so customers pay with their preferred option in each region.

xPay Use Cases

SaaS companies collecting global subscriptions in 100+ currencies without opening a local entity

Indian exporters accepting international card, wallet, and bank payments at 95% success rates

Edtech platforms offering Klarna and Affirm installments so students pay over time

Marketplaces adding 45+ local payment methods to localize checkout by region

xPay Frequently Asked Questions

What currencies does this payment gateway support?

xPay processes payments in 110+ currencies across 140+ countries, and offers global collection accounts in 20+ currencies including USD, EUR, and GBP.

Which countries is xPay currently available in?

xPay supports 160+ countries and enables local payment methods across Europe, the US, and Asia.

What is xPay's pricing?

How does xPay achieve 95%+ success rates on international payments?

Through direct local acquiring and smart retry logic, xPay optimizes every cross-border transaction in real time to keep a 95% international payment success rate.

What is FIRC and does xPay provide it?

FIRC (Foreign Inward Remittance Certificate) is the compliance document Indian businesses need for incoming international payments. xPay provides instant FIRC access directly in your dashboard.

How long does settlement take for international payments with xPay?

Funds collected in USD, GBP, CAD, and other currencies are settled to your account in 24 hours, with compliant FIRC documents provided.