chatsimple

Payments. Simplified.

Accept payments your way

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Simple, flexible plans start at $29 per month* with no interchange markup

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Option to pass fees onto your customers (cash discount or convenience fees)

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Quick & easy setup for all business models & industries

*Monthly plans do not include interchange or authorization fees

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Why XPAY?

Simple Setup

Simple Setup

Just 3 steps to get you through the initial process
Free Consultation & Free Rate Review

Free Consultation & Free Rate Review

No hidden fees
Fast Approval

Fast Approval

99.99% Account approval rate
(instant approval for qualified businesses & within 24 business hours for complex business models)
Cost Saving

Cost Saving

Better rates vs your current provider and no interchange markup
Experience

Experience

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

Dedicated Customer Care

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

Multiple Banks

We work with the industry's major banks that understand your business
Simple Pricing

Simple Pricing

Monthly subscription pricing + interchange + authorization fees
Pass Your Fees

Pass Your Fees

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

Starter

Monthly processing volume:
$0-$10,000
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Standard processing
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Pass your fees (cash discount or convenience fees)
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Complex business models

Small Business

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

$59/mo

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

Medium Business

Monthly processing volume:
$25,001-$50.000

$99/mo

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

Large Business

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

$189/mo

$2268 / year
Get Started
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Standard processing
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Pass your fees (cash discount or convenience fees)
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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 authorization fees

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Pass your fees on to your customers

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

Convenience Fees
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 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
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
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What is Interchange?

Interchange is a 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 and 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%)
Example Interchange 27¢ ($100 x .05% + 22¢  = 27¢)
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Complex business model pricing: interchange cost-plus 2% + monthly fees in Pricing section, based on volume.

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.

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CBD
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Drop-Shipping
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Money Service Businesses (MSBs)
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Telemarketing
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Coaching
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Firearms / Ammunition
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Money Transfer
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Telemedicine / Telehealth
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Credit Repair
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Gaming / Gambling
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Movers
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Ticket Brokers / Events
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Crowdfunding
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High Average Transaction Amount
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Cosmetics
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Travel Agencies
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Cyptocurrencies & NFTs
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Live Video Streaming
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Online Pharmacies
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Tobacco & Cigars
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Dating
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Consumer Loans / Lending
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Startups
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Vapes / e-Cigarettes
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Debt Collections
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Marketplaces
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Stock Trading
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Vitamins and Supplement Sales
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Document Preparation
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Multi-Level Marketing (MLM)
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Tactical Gear
Get Started Now
If your business is established with low chargebacks, contact us for a quote and we will beat your current rates

Affiliates & Referral Partners

Start referring business to XPAY for card payment proccessing and start earning up to $200 per active approved processing account.

Get Started Now
Let’s Get Started

Time to rethink payments

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info@getxpay.com
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844-497-2987 (Call or Text)
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Los Angeles, CA
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