Payments made easy

The financial solution created for the UK micro and small e-commerce businesses like yours

Replace Traditional Banking

xpate provides you with all financial instruments that you may need to boost your e-commerce business

Manage funds efficiently

Faster Payments, SEPA, or SWIFT transfers with your multi-currency account.

Integrations Beyond Banking

Plug-and-play integration with your e-shop to collect card payments, prebuild checkouts and plugins for your web platform.

Support and Trust

Our robust fraud prevention tools and compliance measures protect transactions and our 24/7 support is always there to help.

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

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

International SWIFT transfers (coming soon)

Available in 17 countries

SMARTStarting from £5/transfer

PremiumStarting from £3/transfer

Mastercard Payment Business Card (coming soon)

Physical or virtual. With monthly payment limit of £20'000

SMART1 included

Premium1 included

E-commerce suite integration

Pay only for transactions. 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 transactions

+1.0% for European Economic Area cards transactions

+1.5% for International cards transactions

Premium1.3% + £0.20

for UK cards transactions

+1.0% for European Economic Area cards transactions

+1.5% for International cards transactions

Instant Funds Availability

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



7-days-a-week support


PremiumPriority line Included

Why xpate?
Why xpate?

At xpate, we care about small businesses. Unlike our competitors, we believe every business deserves a chance to succeed, regardless of size or processing history. That's why we serve businesses of all sizes, including those that are just starting out.

When you choose us, you'll get more than just a financial solution. You'll also get a complete set of solutions for your e-commerce business that allows you to make transactions quickly and easily, collect funds and improve your cash flow. 

We understand that being a small business owner can be challenging, so we're committed to providing you with the support and resources you need to thrive. Whether you need help with banking, payment processing or anything in between, our team of experts is here to help.


If you have any additional questions, email us at: [email protected]

Can I use xpate to make and receive payments, as well as manage my business expenses?

Sure. You won't need a bank. xpate provides all the necessary payment capabilities, multi-currency, and FX. xpate was created to serve micro and small e-commerce businesses like yours in the UK.

Are there any setup fees or long-term commitments?

There are no setup fees or long-term commitments. We believe in transparency and flexibility, allowing you to start without upfront costs. Our competitive pricing plans ensure you only pay for the services you use. Check us out with our 60 days free offer.

How can I trust xpate?

xpate is a licenced financial institution which falls under the FCA supervision (Reference number 901021) and PCI DCC Level 1 compliance. Build lasting customer trust with a safe and reliable payment experience for long-term e-commerce success.

Is xpate compatible with popular e-commerce platforms?

Certainly! xpate is specifically built to effortlessly integrate with the leading e-commerce platforms. Whether you operate your store on WooCommerce, Magento, Prestashop, or Opencart, xpate provides simple integration solutions. Our powerful APIs and plugins facilitate a seamless connection, enabling you to swiftly begin accepting payments, hassle-free.

How does instant settlement benefit my e-commerce business?

Unlock the game-changing power of instant settlements for your e-commerce business with xpate. Experience the advantage of immediate access to funds right after each transaction, eliminating the frustrating wait for your hard-earned money. Instant settlement fuels a healthy cash flow, empowering you to reinvest swiftly, scale your operations, and seize new growth opportunities. Stay agile and maximise your success with xpate, revolutionising the way you do business.

Boost your business with xpate!Ditch traditional banking and enjoy faster payments and seamless transactions. Sign up now and level up your e-commerce game!