Xpay concept offers reliable end-to-end solution for alternative Payment Service Provider. From common used payment plastic card at user side, further to merchants with POS terminals or online web shop, all the way to central server running Xpay at Service Provider side, where processing takes place.

Xpay is easily integrated with accounting departments in membership organizations for settlement, thus providing rich reports and analytics suite.

Typical payment process works similar to credit card, where members spend their salary in advance and Xpay takes care of limits imposed from accounting data of members organization.