xPay is a powerful cross-border payment solution designed to help businesses in India, Singapore and the US seamlessly accept global payments. With 90% success rates, multi-currency support, and advanced fraud detection, xPay optimizes international transactions, reduces drop-offs, and automates compliance. Perfect for marketplaces, SaaS, and e-commerce, xPay simplifies complex payment flows and ensures a smooth, secure global experience for your business and customers.
We at xPay (YC W24) are looking to optimise in Sales, CRM, marketing, Product, Analytics etc and would love to know more products across PH for us to try!
Why We Built xPay
We built xPay because we saw a huge gap in how Indian businesses handle cross-border payments. While global payment gateways often fail to optimize for India-origin transactions, we wanted to create a solution that solves the unique challenges of international payments for Indian businesses. Our goal is to simplify cross-border payments, reduce friction, and help businesses scale globally with confidence.
What We’re Trying to Solve
International payments are complicated—especially for businesses in emerging markets. Many payment platforms offer low success rates, hidden fees, and lack support for local payment methods. We’re here to solve that by providing high success rates, transparent pricing, and multi-currency support—designed specifically for businesses looking to expand globally. Our platform also helps tackle common issues like fraud, chargebacks, and compliance, making the payment process smoother and more reliable.
Why We’re Better
Unlike other gateways, xPay is built from the ground up with India-origin cross-border flows in mind. Our platform offers 90%+ success rates on international payments, compared to the 65% industry average. We focus on transparency, security, and automation, making global payments faster, cheaper, and more efficient. Plus, with features like fraud detection, auto retries, and compliance automation, we help businesses scale without worrying about the complexities of cross-border transactions.
Wow team! YC backed is already a strong validation and I'm convinced there's place for better players in payments game. Which is the main advantage against Stripe? Anyway, wish you all the best!
@german_merlo1 Hey G, thanks! The main advantages would be the payment methods - for lower ticket sizes we have apple pay, Paypal, venmo, momopay, alipay etc and for larger ticket sizes we have CC EMI/Pay Later, Klarna and many more BNPL options.
Another cool thing is that if you have many accounts in various nations, you will have to get stripe for each country. xPay offers Multi-Settlement in a single integration!
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This is a great idea. I've worked with many india based dev agencies and always struggled using Wise with the time it takes to process the transaction. I'll definitely take a look at this. Can a US based company set this up to pay the team or will our dev agency have to set it up first?
I’ve always been interested in the Indian market. We get a lot of traffic from India and have thought about how to monetize it. How do you handle payments for international companies? Do you convert from the local currency to dollars or euros and then send a SWIFT transfer to foreign company accounts?
@mykyta_semenov_ We do local acquiring via partnered banks as we are a processor. We do work with DCC flows or dynamic conversion on our own! We currently settle in India, US and Singapore but would be happy to chat more on your use case. Do write to me on utkrist@xpaycheckout.com
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Is there still a success rate for payments? Shouldn't they all be successful
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I have been looking for a gateway since razorpay takes so long for KYC and setup, so far looks promising
xPay
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Wow team! YC backed is already a strong validation and I'm convinced there's place for better players in payments game. Which is the main advantage against Stripe? Anyway, wish you all the best!
xPay
@german_merlo1 Hey G, thanks! The main advantages would be the payment methods - for lower ticket sizes we have apple pay, Paypal, venmo, momopay, alipay etc and for larger ticket sizes we have CC EMI/Pay Later, Klarna and many more BNPL options.
Another cool thing is that if you have many accounts in various nations, you will have to get stripe for each country. xPay offers Multi-Settlement in a single integration!
This is a great idea. I've worked with many india based dev agencies and always struggled using Wise with the time it takes to process the transaction. I'll definitely take a look at this. Can a US based company set this up to pay the team or will our dev agency have to set it up first?
xPay
@wpconvert Yes they can Jose, setup today!
I’ve always been interested in the Indian market. We get a lot of traffic from India and have thought about how to monetize it. How do you handle payments for international companies? Do you convert from the local currency to dollars or euros and then send a SWIFT transfer to foreign company accounts?
xPay
@mykyta_semenov_ We do local acquiring via partnered banks as we are a processor. We do work with DCC flows or dynamic conversion on our own! We currently settle in India, US and Singapore but would be happy to chat more on your use case. Do write to me on utkrist@xpaycheckout.com
Is there still a success rate for payments? Shouldn't they all be successful
I have been looking for a gateway since razorpay takes so long for KYC and setup, so far looks promising
xPay
@ojus Well by all means, lets talk! I'm at utkrist@xpaycheckout.com
Built for India-origin cross-border flows is the key line here. Everything else follows.
xPay
@catherine_rapheal Yes !!