xPay
International payment gateway for businesses selling globally, with global subscriptions,
xPay is an international payment gateway for businesses selling across countries and currencies, covering card and bank payments, global subscriptions, payment links, virtual collection accounts in currencies such as USD, GBP and CAD, automated sales tax collection, and transaction reporting with risk scores. It supports 45+ local payment methods across 160+ countries and 100+ currencies, using direct local acquiring and smart retry logic to support cross-border transactions.
Core capabilities include global subscription billing, payment links for collecting without an integration, multi-currency collection accounts with FIRC access, Sales Tax Autopilot, and reporting with transaction-level data and risk scores. Payment methods span major card networks, wallets such as Apple Pay, Google Pay, PayPal, CashApp and Amazon Pay, and BNPL options including Klarna and Afterpay. The platform is PCI DSS compliant and offers dispute handling tools, tokenization, subscription billing, payouts, FX conversion, and additional storefronts.
xPay is aimed at businesses in industries such as Edtech, SaaS, travel, consumer and digital, including Indian entities collecting internationally. Pricing is usage-based per transaction, with a Standard plan for international card payments and subscriptions and an Enterprise tier for higher processing volumes with volume-based pricing and multi-entity global settlements. A detailed fee schedule covers cards, wallets and BNPL, disputes, platform services and priority support; no free plan or trial is stated.
12 alternatives to xPay
Ranked by how well each tool replaces xPay: shared features, audience, price and popularity.
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One platform for payments, data, and financial products, built for large businesses.
Covers 8 of 15 key features.
66 out of 100 matchUsage-based
