XPAY has unveiled an optimised platform tailored to meet the needs of businesses of all sizes, from traditional enterprises to the specialised sectors.
The platform is designed for legally compliant organisations across various industries. XPAY combines underwriting expertise, multi-bank redundancy, and PayFac-as-a-Service (PFaaS) capabilities to offer payment solutions that are secure, compliant, and affordable. This platform unlocks revenue potential, enables limitless scalability, and adheres to strict regulatory standards.
Comprehensive features of the XPAY Platform
XPAY provides services such as embedded payments, high-volume processing, kiosk and POS payments, SaaS payment integration, and cost-reduction programs. These programs, including dual pricing, cash discounts, convenience fees, service fees, and surcharge models, empower merchants to minimise or eliminate processing costs while ensuring full compliance and increasing earning potential.
With its multi-bank relationships and robust redundancy measures, XPAY increases approval rates, optimises merchant account performance, protects against downtime, and guarantees continuous payment acceptance during bank or processor outages.
Tailored solutions for merchants
XPAY caters to both simple and complex merchant accounts by offering:
- PayFac-as-a-Service (PFaaS) for SaaS platforms and marketplaces, allowing them to onboard and support sub-merchants while XPAY manages risk and compliance;
- High-volume processing with enterprise-level reliability through multi-bank redundancy and diverse banking partnerships;
- Integrated cost-reduction models such as dual pricing, cash discounts, convenience fees, service fees, and surcharge programs;
- Flexible checkout options that include POS systems, kiosk solutions, and embedded payment capabilities via API or plugins.
Supporting specialised verticals
XPAY serves industries often overlooked or misclassified by traditional processors, such as debt collection, coaching, MLM, AI marketing, CBD and hemp, gaming, lending, marketplaces, money services businesses, online pharmacies, telemedicine and telehealth, ticketing and travel agencies, and vitamins, supplements, and nutraceuticals. Sectors focused on integration, including healthcare, utilities, government, and property management, can embed secure payments directly into their software workflows, reducing friction, simplifying reconciliation, and accelerating onboarding.
