Pricing

One platform for all your payments with simple, pay-as-you-go pricing

Incoming card payments1.3% + 20p
for UK cards
(+1,0% for European Economic Area cards)
(+1,5% for International cards)
Domestic banking payments0.0% + 0p
  • Get instant settlements, no longer wait for days or weeks
  • With no setup fees, monthly fees, or hidden fees
  • You'll have more money to grow your business faster than ever before
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What's
included

All you need to manage funds of your business

Collect funds from card payments in any currency on your website

Collect funds from card payments in any currency on your website

Get access to collected funds in minutes after payment is made

Get access to collected funds in minutes after payment is made

Make payments and transfers using your issued account # and sort code for no additional cost

Make payments and transfers using your issued account # and sort code for no additional cost

Use our pre-built plugins for your e-commerce platform or API for integration

Use our pre-built plugins for your e-commerce platform or API for integration

Build your personalise checkout with our professional expertise

Build your personalise checkout with our professional expertise

24/7 support via chat or email. Tutorials, documentation and technical support

24/7 support via chat or email. Tutorials, documentation and technical support

Comprehensive security and rigorous compliance including AML and Data security

Comprehensive security and rigorous compliance including AML and Data security

Manage business operations with a unified dashboard. Sales and transfers on one platform

Manage business operations with a unified dashboard. Sales and transfers on one platform

Robust developer platform with constant improvements and third-party integrations ready for you

Robust developer platform with constant improvements and third-party integrations ready for you

Grow your business faster

with one solution to all your financial needs

  • Opening an account with xpate, which includes issuing account details or collecting payments instruments
  • Usage of our APIs or pre-built plugins for e-commerce platforms
  • Customer or technical support we provide for you
  • Top-notch solutions we created for payment and data protection

You only pay as you go:

PROCESSING and COLLECTING PAYMENTS
Credit and debit cards

Integrated per-transaction pricing, means no setup or monthly fees

1.3% + £ 0.20

for UK cards

+1.0% for European Economic Area cards

International cards

Additional fees required for international cards and conversion to UK Pounds

1.3% + £ 0.202.8% + £ 0.20

for international cards

3D Secure authentication

3D Secure is an authentication method used to verify a customer's identity before an online card transaction

1.3% + £ 0.20Included

Instant Funds Availability

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

1.3% + £ 0.20Included

Checkout

A per-built, hosted payments page optimized for best conversion

1.3% + £ 0.20Included

Disputed payments
(also known as chargebacks)

If the cardholder’s bank abandons the dispute in your favour, the fee is fully refunded

1.3% + £ 0.20£ 30

per chargeback

Partial or full refund fee

The payment processing fees from the original charge are not returned

1.3% + £ 0.20£ 1

per refund

Payment Links

Create links to sell products and services across any channel—no code required

1.3% + £ 0.20Included

Do payments and transfers with xpate

no additional bank is necessary
E-commerceFREE**

To get the one solution to all your financial needs

Account Deposits
Fast and free Domestic transfers
Holding balance on account
Account maintenance
Instant Funds Availability
Account closure
Issuing a statement
Pro£ 20/mo

For businesses that have no use for our payment collection and acquiring services

Account Deposits
Fast and free Domestic transfers
Holding balance on account
Account maintenance
Instant Funds Availability
Account closure
Issuing a statement
E-commerceFREE**

To get the one solution to all your financial needs

Pro£ 20/mo

For businesses that have no use for our payment collection and acquiring services

Account Deposits
Account Deposits
Fast and free Domestic transfers
Fast and free Domestic transfers
Holding balance on account
Holding balance on account
Account maintenance
Account maintenance
Instant Funds Availability
Instant Funds Availability
Account closure
Account closure
Issuing a statement
Issuing a statement

**To subscribe to the E-commerce plan, open an account with xpate first. From within your xpate account, you can apply to our payment collection and acquiring services. After passing any additional checks, you’ll be subscribed to the E-commerce plan and can start collecting customer payments with us with no monthly fee! After a month of opening your xpate account, for each month you use it (e.g. for making or receiving transfers) and don’t use our payment collection and acquiring services (meaning, you don’t submit any e-commerce transactions to us), we will automatically move you to the Pro Plan and charge the monthly fee. We will assess whether customers should be transferred to the Pro Plan at the beginning of each month.

! We will keep an eye on fraudulent behaviour, and we retain the right to take measures against you if we have reasons to believe you are behaving in a fraudulent manner. These measures include, but are not limited to, freezing your xpate account, withholding payouts to you from the payments collected, or even applying penalties. For more information, see our Terms and Conditions !

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now