Payments Simplified.
Accept payments your way

Simple & flexible plans starting at $29 per month* with no interchange mark-up

Options to pass fees to your customers (cash discount or convenience fees)

Quick & easy setup for all business models & industries

*Monthly plans do not include interchange or per authorization fees

AriseHealth logoOE logo2020INC logoThe Paak logoEphicient logoToogether logoToogether logo
AriseHealth logoOE logo2020INC logoThe Paak logoEphicient logoEphicient logoEphicient logo

Why XPAY?

Simple Setup

Just 3 steps to get you through the initial process

Free Consultation & Free Rate Review

No hidden fees

Fast Approval

99.9% Account approval rate 24-48 hour approval time

Cost Saving

Better rates vs your current provider and no interchange mark-up

Experience

Our XPAY team has decades of payments experience with various business types, including complex business models

Dedicated Customer Care

You will have customer service teams who are ready to talk 24 hours a day, 365 days a year

Multiple Banks

We work with the industry's largest banks that understand your business

Simple Pricing

Monthly subscription pricing + interchange + authorization fees

Pass Your Fees

Options to pass our fees to your customers with cash discount or convenience fees
Get Started Now

Pricing

Starter

Monthly processing volume:
$0-$10,000

$29/mo

or $348 yearly
Get Started
Standard processing
Pass your fees (cash discount or convenience fees)
Complex business models

Small Business

Monthly processing volume:
$10,001-$25,000

$59/mo

or $708 yearly
Get Started
Standard processing
Pass your fees (cash discount or convenience fees)
Complex business models

Medium Business

Monthly processing volume:
$25,001-$50.000

$99/mo

or $1188 yearly
Get Started
Standard processing
Pass your fees (cash discount or convenience fees)
Complex business models

Large Business

Monthly processing volume:
$50,001-100,000

$189/mo

or $2268 yearly
Get Started
Standard processing
Pass your fees (cash discount or convenience fees)
Complex business models

Enterprise Business Monthly Processing Volume: Over $100,000
Contact us for a quote and we will beat your current rates

(Just provide your current merchant processing statement)

Request Custom Quote

*Monthly plans do not include interchange or per authorization cost

Pass your fees to your customers

The pandemic helped accelerate the acceptance and use of cash discount and convenience fee programs.

Convenience Fees
Convenience fees are charged by businesses to cover the cost they pay to payment processing companies for when a customer pays by debit or credit card.
Cash Discount
Cash discounting works by giving a discount to all customers who choose to pay with cash instead of a debit or credit card.
Standard Processing
If you don't wish to pass your fees, you will simply pay your monthly fee, plus applicable interchange and a small fee (10¢) per authorization.
Get Started Now

What is Interchange?

Interchange is fee charged by the credit card companies for every transaction run. Unfortunately, if you are on the paying end of these fees, they are unavoidable. The interchange rates are the same no matter which payment processor you use. Interchange is typically the most significant processing expense for merchants.

Interchange is different for every card type from each credit card company. Interchange can range from to .05% + 22¢ for regulated debit cards (BofA, Wells Fargo, Chase, etc.) up to 2.80% + 10¢ for business credit cards.

So, if you are currently on a flat or tiered rate with the likes of Stripe (2.90% + 30¢) or Square, in many cases, you are likely paying considerably more than interchange.

Example on $100 regulated (big bank such as Chase or Wells Fargo) debit transaction With XPAY you can either pass the interchange + authorization fees to your customers and pay $0 or pay 37¢.

XPAY

$0 or 37¢ (effectively 37%)
or

Stripe or Square

$3.20 (effective rate of 3.20%)
Get Started Now
Interchange 27¢ ($100 x .05% + 22¢  = 27¢)

Complex Business Models

Complex business model pricing is interchange cost-plus 2%.

Experience matters. Our combined decades of banking and payments experience remove the guesswork from scaling your business.

We've partnered with banks who understand your unique needs. Our multiple banking relationships can provide your business with the most reliable and cost-effective solutions.

Get Started Now
If your business is established with low chargebacks, contact us for a quote and we will beat your current rates!

Affiliate, Influencers & Referral Partners

Start referring business to XPAY for card payment proccessing and start earning $15 to $99 per active approved processing account.

Get Started Now
Let’s Get Started

Time to rethink credit card processing & payments

info@getxpay.com
844-4XPAY Call or Text (844-497-2987)
XPAYMENTS INC, 5830 E 2nd St, Casper, WY 82609
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.