Backed byY CombinatorProduct HuntProduct Hunt#4 Product of the Day

The International
Payment Gateway Built for Indian Businesses.

95% success rate. Local acquiring across 160+ countries. Settled in INR within 24hrs.

Trusted by brands that move fast.

Shwet
Bolna
Remedo
Primathon
Karbon
Biomarked
PeppyHop
Shwet
Bolna
Remedo
Primathon
Karbon
Biomarked
PeppyHop
1200+Enterprises and Startups
$400MAnnual Transactions
160+Supported Countries

India's only gateway
for recurring global billing.

Collect subscriptions in 100+ currencies.
Ideal for SaaS. Set it once, collect forever.

proPro PlanBilled monthly
$299 / mo
A

Acme Corp

USUSD · United States

Visa
$299.00
P

Pixel Labs

DEEUR · Germany

Mastercard
€279.00
Z

Zeta Digital

GBGBP · United Kingdom

PayPal
£249.00
N

NovaSpark Inc

SGSGD · Singapore

Klarna
S$1,850.00
B

ByteFlow Co

CNCNY · China

Alipay
¥2,100.00
L

Lumio SaaS

AUAUD · Australia

Visa
A$399.00

A US Bank account for
your Indian entity.

USD, GBP, CAD. Settled in INR within 24hrs.
FIRC auto-generated.

USD ($) · Business Checking

Beneficiary Name

Acme Technologies Private Limited

Routing Number

*****1767

Account Number

•••• •••• 7734

Bank Information

Community Federal Savings Bank

New York, NY · United States

Settled in INR · 24hrs

verifiedFIRC Issued

Auto-collect taxes
across 100+ countries.

All taxes calculated, collected & remitted automatically

Auto sales tax collection
Sales Tax (US)8.5%
VAT (UK)20%
MwSt (DE)19%
GST (AU)10%
GST (SG)9%

Collect payments with
a single link.

No Devs needed, live in 30 seconds

qr
xpay.link/pay/inv-1047
Accepts :
Visa
Mastercard
Amex
PayPal
Klarna
Alipay
+39 more
Checkout
Secured byxPay

Paying to Acme Corp

Tom Hanks

tomhanks@gmail.com

19001, united states

edit
Payment Methods$USD ▾
PCI DSS Compliant100% Safe & Secure

95% international payment
success rate.

Most Indian gateways fail globally because they route through Indian infrastructure.
xPay uses direct local acquiring - your customer's payment never leaves their region.

xPay dashboard showing live payment analytics

45+ payment methods.
Every region covered.

Your customers pay the way they're comfortable. xPay supports local payment methods across every major market.

Visa
Mastercard
Apple Pay
PayPal
Bitcoin
Paytm
Visa
Mastercard
Apple Pay
PayPal
Bitcoin
Paytm
Affirm
Carte Bancaire
UPI
iDEAL
Amazon Pay
Bancontact
Affirm
Carte Bancaire
UPI
iDEAL
Amazon Pay
Bancontact
Diners Club
Amex
PayNow
Google Pay
SEPA
Klarna
Diners Club
Amex
PayNow
Google Pay
SEPA
Klarna
Cash App
Przelewy24
JCB
GiroPay
Pix
Alipay
Cash App
Przelewy24
JCB
GiroPay
Pix
Alipay

Built different.

Most gateways are built for the West and retrofitted for India. xPay is built ground-up for Indian businesses going global.

Zero Hidden Charges

Zero Hidden Charges Serious about transparent pricing. No extra charges on our already best-in-market fees.

Instant FIRC in Dashboard

Instant FIRC in Dashboard GST-compliant FIRCs auto-generated for every transaction, no chasing your bank.

No Transaction Limits

No Transaction Limits One-time payments or subscriptions, we don't hold you back like other gateways.

10-Minute Support SLA

10-Minute Support SLA Always there when you need us, phone call or WhatsApp, within 10 minutes.

Your customers pay in their currency, from anywhere in the world. XPay sits in the middle, routing each payment through local infrastructure, handling compliance, and settling directly into your Indian bank account in INR within 24 hours.

Global Customers
USUnited States($)
DEGermany(€)
SGSingapore(S$)
CNChina(¥)
100+ countries & currencies supported
Product / Service
SaaS
xPay
You Receive
INR in 24hrs
FIRC generated
Tax remitted
95% success rate

Reliable, developer-first payment infrastructure for every stack. Integrate xPay with flexible APIs, webhooks, and SDKs. Go live in minutes.

Flexible plans for every business.

  • Access to global virtual bank accounts
  • Access to in-built Payments Gateway links & subscriptions
  • Get money directly in your INR account
  • Access to Sales Tax Autopilot
  • Dedicated relationship manager
  • 100+ Currencies & 160+ Countries
  • 45+ Local payment methods

Custom pricing for your scale

No fixed tiers. We design a plan around your volume, currency mix, and business model.

Contact Sales

Trusted by Indian businesses going global

Indian businesses scaling globally with xPay.

Absolutely thrilled with the quick service! The product is brilliant and has helped us scale significantly internationally.

Rito Maitra

Rito Maitra

Founder, Radical Health

The team at xPay has made integration a breeze. Their prompt support had us up and running in no time and we've seen a significant improvement in our international operations.

Harsh Bansal

Harsh Bansal

Founder, Remedo.io

Cheers to the xPay crew for their top-notch product! Transitioning from other services to xPay was a breeze—appreciate the streamlined process and clear API documentation.

Rakesh K

Rakesh K

CSM, Edureka

Frequently asked questions.

Everything you need to know about xPay and international payments.

Our payment gateway supports transactions in over 100 currencies, allowing you to conduct cross-border payments with ease. Select your preferred currency during checkout, and we'll handle the rest.

xPay is currently compatible with 160+ countries including United States, India, United Kingdom, Germany, France, Canada, Austria, Singapore, Vietnam, Philippines, Indonesia, United Arab Emirates, Japan and most countries in the EU.

We charge a monthly subscription fee and take a small cut of the transaction. However, we're also open to customizing our pricing. Please reach out at hello@xpaycheckout.com

xPay is an international payment gateway built specifically for Indian businesses to accept cross-border payments from global customers. xPay enables payments from 150+ countries using cards, wallets, BNPL, and bank transfers, while settling funds cleanly in INR with full compliance.

Indian businesses can accept international payments using xPay by integrating once and offering global cards, Apple Pay, Google Pay, PayPal, BNPL options, and international bank transfers, with funds settled directly into their Indian bank account.

International payments fail due to issuer bank declines, poor routing, excessive 3DS friction, lack of local payment methods, and aggressive fraud rules. xPay addresses these issues using local acquiring, intelligent routing, and region-specific risk models.

xPay achieves 95%+ success rates by combining local acquiring, smart routing, BIN-level optimization, adaptive 3DS controls, and alternative payment methods tailored by geography, outperforming global-first gateways for India-origin payments.

xPay is designed specifically for Indian cross-border payments, while Stripe and Razorpay are global-first or domestic-first platforms. Many Indian businesses see higher approval rates, lower effective costs, and simpler settlements with xPay for international transactions.

xPay supports 45+ global payment methods including international cards (Visa, Mastercard, Amex), Apple Pay, Google Pay, PayPal, Venmo, Cash App, Klarna, Afterpay, Tabby, Tamara, SEPA, iDEAL, Sofort, and international bank transfers.

xPay supports region-specific payment methods — US: Cards, Apple Pay, Google Pay, PayPal, Venmo, Cash App, BNPL · UK & EU: Cards, Apple Pay, Google Pay, PayPal, Klarna, SEPA, iDEAL, Sofort · Middle East: Cards, Apple Pay, Google Pay, Tabby, Tamara · Southeast Asia: Cards, QR methods, wallets, bank transfers. This increases conversion significantly.

Chargeback protection means the payment provider absorbs the financial liability of fraud disputes. With xPay, eligible fraud chargebacks are fully borne by xPay, protecting Indian businesses from financial loss and operational overhead.

Yes. xPay assumes chargeback liability for fraud-related disputes processed through its platform, subject to agreed risk parameters, reducing risk exposure for Indian merchants.

DCC allows customers to pay in their local currency, while MCC charges them in the merchant's currency. xPay supports both and helps merchants optimize DCC vs MCC routing based on geography, ticket size, and approval performance.

No. xPay offers transparent pricing with no hidden forex markups or intermediary bank fees. Businesses receive clear visibility into fees and settlement amounts.

xPay provides competitive forex conversion using near mid-market rates, helping Indian businesses avoid large forex markups commonly charged by banks and legacy gateways.

A FIRC (Foreign Inward Remittance Certificate) is proof of foreign funds received in India. xPay enables GST-compliant FIRCs through its banking partners for international settlements with every transaction.

Settlement timelines with xPay are predictable and typically range from T+0 to T+7 working days, depending on geography and payment method.

Yes. xPay provides virtual bank accounts and international collection accounts, allowing businesses to receive global bank transfers at lower cost compared to traditional foreign banks.

xPay uses proprietary AI risk engines, BIN-level analysis, adaptive 3DS, and payment method diversification to reduce fraud while maintaining high approval rates.

Indian enterprises scale efficiently with xPay by consolidating all global payment methods into one integration, improving success rates, reducing chargeback risk, lowering effective costs, and simplifying compliance and reconciliation.