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The engine for businesses that move money

Support payments, accounts, transfers and compliance through one financial infrastructure

Start with xpate

→

Money moves through every layer of the platform

Customers make payments
Gato Blanco
+ € 1,342.00
Urban Haven
+ € 645.89
Andrea Smith
+ € 870.00
Funds are received, managed and distributed
Funds status
live
Received
€ 85,015.83
Settlement
€ 8,420.00
Payouts
€ 12,540.00
Balances need to remain visible
€ 844,741
€
759,466
$
52,064
Transactions need to remain compliant
Transaction check
KYC
checked
Recipient
matched
Transaction
cleared
As volume grows, operational complexity grows with it

Customers make payments
Gato Blanco
+ € 1,342.00
Urban Haven
+ € 645.89
Andrea Smith
+ € 870.00
Funds are received, managed and distributed
Funds status
live
Received
€ 85,015.83
Settlement
€ 8,420.00
Payouts
€ 12,540.00
Balances need to remain visible
€ 844,741
€
759,466
$
52,064
Transactions need to remain compliant
Transaction check
KYC
checked
Recipient
matched
Transaction
cleared
As volume grows, operational complexity grows with it

Customers make payments
Gato Blanco
+ € 1,342.00
Urban Haven
+ € 645.89
Andrea Smith
+ € 870.00
Funds are received, managed and distributed
Funds status
live
Received
€ 85,015.83
Settlement
€ 8,420.00
Payouts
€ 12,540.00
Balances need to remain visible
€ 844,741
€
759,466
$
52,064
Transactions need to remain compliant
Transaction check
KYC
checked
Recipient
matched
Transaction
cleared
As volume grows, operational complexity grows with it

How xpate support it

Accept Money

→

Accept customer payments through cards and local payment methods

Card Payments

Local Payment Methods

Payment Links

Recurring Payments

Smart Routing

Move Money

→

Enable payouts, settlements and transfers globally

Global Payouts

Mass Payouts

Instant Payouts

Bank Transfers

Card Payouts

Manage Money

→

Provide account infrastructure, balances and reporting

Multi-Currency Accounts

Named IBANs

FX & Currency Conversion

Reporting & Analytics

Access Control

Protect Money

→

Reduce fraud and improve transaction reliability

Fraud Prevention

Recipient Verification

Authorization Optimization

Dispute Management

Device Intelligence

How xpate support it

Accept Money

→

Accept customer payments through cards and local payment methods

Move Money

→

Enable payouts, settlements and transfers globally

Manage Money

→

Provide account infrastructure, balances and reporting

Protect Money

→

Reduce fraud and improve transaction reliability

Use cases

Use cases

PSPs
Accept payments, manage settlements and stay in control
Payfacs
Scale merchants without adding operational complexity
Digital Wallets
Store, move and access funds without friction
Lending Platforms
Disburse, collect and track funds with confidence
Investment Platforms
Fund accounts, settle trades and manage investor flows

PSPs
Accept payments, manage settlements and stay in control
Payfacs
Scale merchants without adding operational complexity
Digital Wallets
Store, move and access funds without friction
Lending Platforms
Disburse, collect and track funds with confidence
Investment Platforms
Fund accounts, settle trades and manage investor flows

PSPs
Accept payments, manage settlements and stay in control
Payfacs
Scale merchants without adding operational complexity
Digital Wallets
Store, move and access funds without friction
Lending Platforms
Disburse, collect and track funds with confidence
Investment Platforms
Fund accounts, settle trades and manage investor flows

Why xpate

One infrastructure for payments, accounts and payouts

€ 263,159,466

€

148,159,466

$

52,064

£

61,624

Cashflow

€ 314,999.88

Incoming

+ € 510,000.20

Outgoing

- € 195,000.32

Last transactions

Gato Blanco S.L.

Incoming transfer

completed

+ € 35,342.00

Urban Haven

Outgoing transfer

processing

- € 1,345.89

Sebastian Cart

3 refunds

completed

- € 1,124.79

Card payouts

€ 18,543,786.23

Refunds

€ 76,486.09

Built for scalable money movement

Multi-currency capabilities across Europe and the UK

Operational visibility across the full transaction lifecycle

Let's build your payment flow

Let’s find the right setup. Tell us about your business, and we’ll show how xpate can support your money flow

Do you prefer email?

hello@xpate.com

Copied

Let's build your payment flow

Let’s find the right setup. Tell us about your business, and we’ll show how xpate can support your money flow

Do you prefer email?

hello@xpate.com

Copied

Let's build your payment flow

Let’s find the right setup. Tell us about your business, and we’ll show how xpate can support your money flow

Do you prefer email?

hello@xpate.com

Copied