xPay is a powerful cross-border payment solution designed to help businesses in India, Singapore and the US seamlessly accept global payments. With 90% success rates, multi-currency support, and advanced fraud detection, xPay optimizes international transactions, reduces drop-offs, and automates compliance. Perfect for marketplaces, SaaS, and e-commerce, xPay simplifies complex payment flows and ensures a smooth, secure global experience for your business and customers.
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Why We Built xPay We built xPay because we saw a huge gap in how Indian businesses handle cross-border payments. While global payment gateways often fail to optimize for India-origin transactions, we wanted to create a solution that solves the unique challenges of international payments for Indian businesses. Our goal is to simplify cross-border payments, reduce friction, and help businesses scale globally with confidence. What We’re Trying to Solve International payments are complicated—especially for businesses in emerging markets. Many payment platforms offer low success rates, hidden fees, and lack support for local payment methods. We’re here to solve that by providing high success rates, transparent pricing, and multi-currency support—designed specifically for businesses looking to expand globally. Our platform also helps tackle common issues like fraud, chargebacks, and compliance, making the payment process smoother and more reliable. Why We’re Better Unlike other gateways, xPay is built from the ground up with India-origin cross-border flows in mind. Our platform offers 90%+ success rates on international payments, compared to the 65% industry average. We focus on transparency, security, and automation, making global payments faster, cheaper, and more efficient. Plus, with features like fraud detection, auto retries, and compliance automation, we help businesses scale without worrying about the complexities of cross-border transactions.
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Congrats on the launch @xPay ! The 90% success rate is a massive delta over the 65% industry average.
@siddhant_patil3 Curious from an engineering POV, is that lift coming from optimizing the network handshakes during the payment redirects (client side latency), or is it mostly smart backend logic on the routing side?
Also, the 'Single Integration' for multi-settlement is a huge architectural win.
I’ve always been interested in the Indian market. We get a lot of traffic from India and have thought about how to monetize it. How do you handle payments for international companies? Do you convert from the local currency to dollars or euros and then send a SWIFT transfer to foreign company accounts?
Smooth launch @utkrist_varma & @soham_mahajan3
Cross-border payments are a quiet growth killer: FX markups, failed authentications/OTP drop-offs, messy compliance, and reconciliation chaos.
@xPay looks like it’s built to attack those exact pain points head-on.
What I’d want to see clarified before I call it “no-brainer”:
Break down the “success rate” claim by region, payment method, issuer, and traffic type (new vs returning).
Clear pricing examples (effective % after everything), settlement timelines, dispute/chargeback handling, and coverage details.
Net: if you’re a SaaS / marketplace / exporter trying to optimize international collections without building a finance ops team, xPay is absolutely worth a serious look. 🚀🚀
I have been looking for a gateway since razorpay takes so long for KYC and setup, so far looks promising
90% success rate sounds solid. How do you handle currency conversions when a business receives payments in multiple currencies—does it auto-convert or let them hold balances?
Is there still a success rate for payments? Shouldn't they all be successful
This is a great idea. I've worked with many india based dev agencies and always struggled using Wise with the time it takes to process the transaction. I'll definitely take a look at this. Can a US based company set this up to pay the team or will our dev agency have to set it up first?
Fraud detection and auto-retries sound super useful. Can small businesses use xPay as easily as large enterprises?
Wow team! YC backed is already a strong validation and I'm convinced there's place for better players in payments game. Which is the main advantage against Stripe? Anyway, wish you all the best!
Built for India-origin cross-border flows is the key line here. Everything else follows.
Indian businesses are going global. Payments shouldn’t slow them down.
xPay is a gateway designed for scale, with industry-leading success rates and support for almost every popular payment method worldwide.
Built for merchants who want to grow beyond borders. Launching today 🚀
Would love your thoughts 👇
Hey Utkrist, that 65% industry success rate is brutal. Was there a specific transaction or client situation where a payment kept failing and you realized the existing gateways just weren’t built for India-origin flows?