Funds in minutes

Seamless WooCommerce payment gateway setup. We can connect xpate with your online store for you and you can begin accessing your funds within minutes, completely hassle-free!

Need an online payment solution designed for your WooCommerce store?

Empowering your e-commerce business by giving you access to your funds minutes after a transaction online is made.

Receive your funds almost immediately

Say goodbye to waiting days or weeks for funds. Access your hard-earned money minutes after each online transaction, putting the power in your hands for uninterrupted cash flow.

Seamless Integration

Our solution is incredibly easy to set up, particularly for e-commerce platforms such as WooCommerce/WordPress with the help of a plugin. If you are not feeling comfortable with integration, we can even do it for you.

Trust and Security

Our robust fraud prevention tools and compliance measures protect transactions at a high level. xpate operates as a licenced financial institution under FCA supervision and PCI DSS Level 1 compliance.

Enhanced Customer Experience

xpate empowers you to offer major credit cards and popular e-wallets for convenient payments like Visa, Mastercard, Apple Pay, and Google Pay. Enhance conversions and thrive with a seamless checkout experience. Cultivate loyalty and repeat customers by delivering satisfaction.

Dedicated Support and Expertise

Experience unparalleled support and guidance with xpate's dedicated team of payment experts. Our knowledgeable staff is available around the clock to assist you with any questions or concerns, ensuring smooth operations and continuous growth.

Competitive pricing

With xpate, you pay as you do. For example, for a £99 sale made with a UK card, you'll have instant access to over £97.50 of that sale to reinvest straight away to grow your business faster. In case the customer uses an EU-based card, you'll receive £96.52 to start using right away.

Pay as you go

Credit and debit cards

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

1.3% + 20p

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% + 20p2.8% + 20p

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% + 20pIncluded

Instant Funds Availability

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

1.3% + 20pIncluded


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

1.3% + 20pIncluded

Disputed payments
(also known as chargebacks)

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

1.3% + 20p£ 30

per chargeback

Partial or full refund fee

The payment processing fees from the original charge are not returned

1.3% + 20p£ 1

per refund

Payment Links

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

1.3% + 20pIncluded

Simplified onboarding for businesses running on WooCommerce

Unlike our competitors, we don't impose a yearly turnover limitation, look at your processing history, or require you to be in business for a certain amount of time. Becoming an xpater is easy - just follow these simple steps:

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. Get started today!

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 business forward. Get ready to grow and maximise your potential from day one!

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 its 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 payment gateway for your WooCommerce store. You'll also get a banking account that allows you to make transactions quickly and easily, so you can focus on growing your business. With our seamless integration with the WooCommerce payments plugin, you can start accepting payments minutes after a sale on your website.

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 payment processing, banking, or anything in between, our team of experts is here to help


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

Is xpate compatible with popular e-commerce platforms?

Certainly! xpate is specifically built to effortlessly integrate with the leading e-commerce platforms widely utilised. 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 getting pad instantly benefit my small business?

Instant access to your funds 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.

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. Join xpate today and unlock transparent solutions designed to support your dropshipping success.

How much will the transaction fees actually amount up to?

For a £99 sale made with a UK card, you'll have instant access to over £97.50 of that sale to reinvest straight away to grow your business faster. In case the customer uses an EU-based card, you'll receive £96.52 to start using right away.

How is xpate better than competitors?

At xpate, we pride ourselves on standing out from the competition in four key ways. Firstly, we offer lightning-fast access to your funds, with transactions processed within minutes of a sale being made online. Secondly, we specialise in serving small businesses. Thirdly, our customer support team is highly dedicated and easily accessible, ensuring that you receive the assistance you need when you need it. Finally, we offer seamless integration between xpate and your online store by helping you integrate it for you.

Tailored to small businesses needsUnleash the power of xpate to access your funds faster and speed up your cash flow. Sign up now and level up your e-commerce game!