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Automation

xPay

Cross-border payment, billing, and sales ops solution for global expansion.

Source rating 5.0 (60) 75k views 75k/mo traffic 0 saves Unknown
International Payments Cross-border payments Payment gateway
More categories (10)
Global Billing Sales Tax Automation SaaS billing Multi-currency Compliance FIRC Virtual Bank Accounts Subscription management E-commerce Payments YC W24
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Verdict

A quick read before you dig into the full page.

Best if
You are saaS Founders and need: SaaS companies collecting recurring subscriptions globally without setting up foreign entities
Pick this when
Cross-border payment, billing, and sales ops solution for global expansion

Overview

xPay is a powerful, end-to-end cross-border payment, billing, and sales operations solution tailored for businesses, especially SaaS and e-commerce companies, operating out of India, Singapore, and the US. It enables seamless acceptance of global payments across 150+ countries and 100+ currencies with high success rates (up to 95%) and integrated compliance. xPay streamlines complex international payment flows by offering features like global subscription collection (unique for Indian gateways), automated sales tax compliance, virtual foreign bank accounts for collections (USD, GBP, CAD), and automated FIRC generation, making global expansion effortless and compliant for merchants.

xPay screenshot

Best for

Short scenarios where xPay tends to shine.

  • SaaS companies collecting recurring subscriptions globally without setting up foreign entities.

    Best for SaaS Founders

  • E-commerce businesses managing complex billing, tax, and payment needs across borders.

    Best for E-commerce Managers

  • Edtech platforms offering flexible payment options (BNPL) to global students.

    Best for Billing Operations Teams

  • Accepting high-success-rate payments in markets traditionally challenging for global gateways (e.g., Pakistan and Bangladesh).

    Best for Finance and Legal Teams

  • Indian enterprises scaling efficiently by consolidating all global payment methods into one integration.

    Best for Edtech Platforms

Example outputs 1

Sample generations and before/after results for xPay.

xPay screenshot
xPay screenshot

Access & connections

Where you can use xPay.

Platforms

Web

Capabilities

What this tool accepts, produces, and is strongest at.

Highlights

  • 95%+ Success Rate on International Payments
  • Automated Sales Tax Compliance (100+ geographies)
  • Global Subscription Collection (India’s only gateway)
  • Virtual US/Foreign Accounts for Collection (USD, GBP, CAD)
  • International Payment Gateway supporting 40+ local methods
  • Automated FIRC (Foreign Inward Remittance Certificate) generation

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Tools that often show up alongside xPay in collections and comparisons.

FAQ 6

What is xPay?
xPay is a powerful, end-to-end cross-border payment, billing, and sales operations solution tailored for businesses, especially SaaS and e-commerce companies, operating out of India, Singapore, and the US. It enables seamless acceptance of global payments across 150+ countries and 100+ currencies with high success rates (up to 95%) and integrated compliance. xPay streamlines complex international payment flows by offering features like global subscription collection (unique for Indian gateways), automated sales tax compliance, virtual foreign bank accounts for collections (USD, GBP, CAD), and automated FIRC generation, making global expansion effortless and compliant for merchants.
How to use xPay?
Businesses can start by integrating xPay’s end-to-end checkout solution to accept global cards, wallets, and bank transfers. Alternatively, businesses without a development team can create payment links instantly to collect funds. Indian entities can set up virtual accounts to collect payments in major foreign currencies (USD, GBP, CAD) and have funds settled compliantly in INR. Users can also utilize the sales tax autopilot feature by simply flipping a switch to automate tax collection and remittance globally. The platform provides a dashboard for accessing tools and compliance documents like FIRC.
What is xPay and how does it help Indian businesses accept international payments?
xPay is an international payment gateway built specifically for Indian businesses to accept cross-border payments from global customers. It enables payments from 150+ countries using cards, wallets, BNPL, and bank transfers, while settling funds cleanly in INR with full compliance.
How does xPay achieve 95%+ success rates on international payments?
xPay achieves 95%+ success rates by combining local acquiring, smart routing, BIN-level optimization, adaptive 3DS controls, and alternative payment methods tailored by geography, outperforming global-first gateways for India-origin payments.
Is xPay better than Stripe or Razorpay for international payments from India?
xPay is designed specifically for Indian cross-border payments, while Stripe and Razorpay are global-first or domestic-first platforms. Many Indian businesses see higher approval rates, lower effective costs, and simpler settlements with xPay for international transactions.
What is FIRC and does xPay provide it?
A FIRC (Foreign Inward Remittance Certificate) is proof of foreign funds received in India. xPay enables GST-compliant FIRCs through its banking partners for international settlements with every transaction.
xPay
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