What is xPay?

xPay is an international payment gateway built for businesses selling globally. It enables companies in India, Singapore, and the US to accept cross-border payments with high success rates, multi-currency support, and automated compliance. By leveraging direct local acquiring and smart retry logic, xPay optimizes every transaction in real-time to maintain a 95% success rate across 150+ currencies. The platform handles over $400M in annual transactions for more than 1,200 enterprises and startups, supporting 160+ countries.

Who it's for

• E-commerce merchants – who need to accept payments from international customers without high drop-off rates or currency conversion headaches.
• SaaS companies – that require recurring global subscriptions in 100+ currencies, a feature xPay uniquely offers among Indian gateways.
• Marketplaces – that manage complex payment flows across multiple countries and need automated sales tax compliance in 100+ geographies.

Key features

Global subscriptions

xPay is India’s only payment gateway that supports global subscriptions. You can collect recurring payments in 100+ currencies from customers worldwide, either through shareable links or direct integration. This makes it ideal for SaaS businesses expanding internationally.

Payment links with no code

No development team? No problem. With xPay, you can create a payment link in just a few clicks and send it to your customers. This feature lets you start collecting payments immediately, without any technical setup.

Virtual US bank account for Indian entities

Indian businesses can collect bank account payments in USD, GBP, CAD, and more without opening a foreign entity. Funds settle within 24 hours, and you receive compliant documents like FIRC for your records.

Automated sales tax compliance

Flip a switch to automatically collect and remit sales tax to governments in 100+ geographies. This is critical once your international revenue crosses ₹10L per year, and xPay handles the complexity on autopilot.

What stands out

xPay is India’s only payment gateway that combines global subscriptions, virtual US accounts, and automated tax compliance in one platform.

This unique combination eliminates the need for multiple vendors. Most Indian gateways lack global subscription support or require you to set up foreign entities for USD collections. xPay solves both problems while also handling sales tax across 100+ jurisdictions automatically. The 95% success rate on international payments further reduces revenue loss from failed transactions.

Worth checking out if…

You run a business in India, Singapore, or the US that sells globally and needs a single payment solution for subscriptions, one-time payments, and compliance. xPay is especially valuable if you’re a SaaS company seeking global recurring billing, an e-commerce store reducing cart abandonment, or a marketplace managing multi-currency payouts. It’s also a strong fit if you want to avoid the complexity of opening foreign entities or manually handling sales tax in dozens of countries.