E-commerce Financial Ecosystem

Your all-in-one financial solution designed for the e-commerce landscape

Two financial solutions in one easy-to-use platform

say goodbye to traditional banking and problematic acquiring

Multi-currency Online Business account

From Faster Payments and Instant SEPA to SWIFT and FX.

Merchant account capabilities

From Visa, Mastercard, Apple Pay or Google Pay to Pay-by-link.

Support and Trust at the core

24/7 support, fraud prevention tools and PCI DSS Level 1.

Pay as you go

Choose your Plan


£20 per month (first 60 days free)


£40 per month (first 60 days free)

Multi-currency account

Account number and Sort code for GBP payments and IBAN for EUR



Local transfers or direct debits

Made in GBP with Faster Payments or in EUR with SEPA Instant

SMART60 transfers/month Included

£0.40 fixed fee for each additional transfer

PREMIUM100 transfers/month Included

£0.40 fixed fee for each additional transfer

E-commerce suite integration

Plug-and-play integration with your e-shop including Card Payment Suite with 3D Secure or Pay by Link functionality

SMART1.3% + £ 0.20

for UK cards

+1.0% for European Economic Area cards

+1.5% for International cards

PREMIUM1.2% + £ 0.20

for UK cards

+1.0% for European Economic Area cards

+1.5% for International cards

Instant Funds Availability

Your funds will be accessible and usable minutes after successful transaction on your website



International SWIFT transfers

Available in 17 countries (Coming soon)

SMARTStarting from £5/transfer

PREMIUMStarting from £3/transfer

Mastercard Payment Business Card

Physical or virtual. With monthly payment limit of £20'000 (Coming soon)

SMART1 included

PREMIUM1 included

7-days-a-week support


PREMIUMPriority line Included

Simplified Onboarding

Partner with xpate today and unlock your e-commerce potential

1Fill out our sign-up form

Join instantly by completing our quick form with essential business details. Let us assess if xpate is the perfect fit for your needs. A global payment processor of choice.

2Approved ASAP by our dedicated team

Our devoted customer success team is dedicated to your success. Expect a prompt review of your application within 24 hours on business days. Rest assured, we're working diligently to expedite your setup process.

3Welcome to xpate - Start growing your business!

Congratulations on finding the perfect match! Welcome to the exciting world of xpate, where you can unleash the power of our payment solutions to drive your e-commerce business forward. Get ready to grow and get paid instantly online.

Turbocharge your e-commerce operationsUnleash the power of xpate for instant settlements, secure transactions, and global payment acceptance. Elevate your business with seamless payment solutions. No hustle. No cash flow disruptions.