Boost Transaction Success by 35% with XPay Payment Gateway

XPay’s on-site checkout simplifies digital payment processing, helping online businesses in Pakistan reduce delays and boost completion rates.

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Trusted by Industry Leaders

On-site Checkout for a Frictionless Experience

No redirects—just a smarter Payment Gateway checkout

Frictionless Experience

Keep customers on-site with uninterrupted payments.

Faster Transactions

Complete payments faster, reducing friction and boosting success.

Enhanced Brand Trust

Maintain a consistent brand experience to build customer loyalty.

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PCI-DSS for Safer Payment Operations

PROTECT CUSTOMER DATA AND REDUCE SECURITY RISKS

Industry-Standard Protection

Meet global security requirements for handling cardholder data.

Lower Fraud Risk

Minimize exposure to data breaches and chargebacks.

Build Customer Confidence

Show users their payment info is handled with care and compliance.

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Tokenization for Secure Payments

Simplify Repeat Transactions AND Enhance Customer Retention

Secure Payment Information

Safeguard customer details through tokenization for recurring transactions.

Increase Conversions

Boost payment success with tokenized methods.

Improved Customer Experience

Customers don’t have to re-enter payment details every time.

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Google Pay for Fast, Secure Checkout

A TRUSTED PAYMENT OPTION YOUR CUSTOMERS ALREADY USE

One-Tap Payments

Let users pay instantly using saved cards and devices.

Built-In Security

Transactions are encrypted and backed by Google’s fraud protection.

Familiar Experience

Boost confidence and conversions with a payment method users know.

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Setup Subscriptions & Recurring Payments with Ease

Use tokenization to enable fast, secure, and automatic billing for all your recurring revenue needs

Support any recurring model

Enable fixed, tiered, or custom subscription plans with ease.

Minimize Churn Automatically

Reduce drop-offs with smart renewals and retry logic.

Streamline Finance Ops

Automate billing without the overhead.

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Dynamic Routing for Higher Payment Success Rates

Ensure Faster, Smarter Payments with Dynamic Routing via Payment Gateway

Route Payments Smartly

Ensure payments go through the most efficient channels.

Increase Acceptance Rates

Use dynamic routing to maximize transaction success.

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Built for Devs. 
Ready for Anything.

Integrate payments on mobile in minutes — with SDKs for every major framework. React Native, Flutter, Kotlin, Swift — pick your stack and go live.

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XShield – Built-In Fraud Protection

Online Payment Gateway that stops fraud before it starts

Real-Time Threat Detection

Automatically flag risky users and transactions using email, phone, BIN, IP, and card fingerprint.

Instant Action from Admin Panel

Block or review threats on the spot—no technical expertise needed.

Live Insights & Reporting

Track fraud patterns in real-time with detailed performance metrics.

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Bank-Specific Discounts to Convert More Customers

Detect Bank Cards. Trigger Smart Discounts across Pakistan

Personalized Offers

Provide discounts based on customer bank cards.

Attract Specific Customers

Target promotions to users of specific banks.

Boost Conversions

Increase sales with relevant, bank-specific discounts.

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XPay Payments Links for Instant Payments

Get Paid Instantly with XPay Payment Links

Create Payment Links in Seconds

No technical skills required.

Ideal for Quick Transactions

Perfect for chat-based businesses and fast interactions.

Send Payment Links Anywhere

Easily share via SMS, email, or social media.

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One API. Every Payment Method.

Connect once. Accept cards, wallets, and COD—without extra integrations.

Cards

Wallets

Bank Transfers

Google Pay

Built for Shopify, WooCommerce & Custom Platforms.

Go live instantly

Add XPay to your store, accept payments, and track sales—no coding needed.

Use Any Merchant ID

We integrate with whatever you’re using.

XPay connects with any merchant ID, giving you full flexibility to switch or scale.

The real win? Businesses across Pakistan trust XPay Payment Gateway to simplify ecommerce payments and support real growth.

Adeel Shaffi

Co-Founder . PriceOye

“PriceOye reduced gateway fees by 30%.”

XPay's dynamic routing solution has transformed our payment operations. By intelligently routing payments between multiple payment gateways based on card type, we have reduced payment gateway fees by 30%. This has made payments smoother and more reliable for our customers.

Salman Riaz

Founder . Allmytech

“Our Customers Love It”

We started using XPay a few months ago, and it’s been a game-changer. Before, our slow checkout process led to a 30% drop-off as customers had to leave our site to pay. With XPay’s embedded checkout, payments happen seamlessly on-site—simple, smooth, and secure.

Umair Shabbir

Head of Digital Technology . Domino's Pakistan

Switching to XPay has completely transformed our checkout process. With embedded checkout, customers now pay directly on our site—smoothly, securely, and without interruptions. The tokenization feature has been a game-changer, with 40% of customers using saved payment tokens for quick, effortless repeat purchases.

Adeel Shaffi

Co-Founder . PriceOye

“PriceOye reduced gateway fees by 30%.”

XPay's dynamic routing solution has transformed our payment operations. By intelligently routing payments between multiple payment gateways based on card type, we have reduced payment gateway fees by 30%. This has made payments smoother and more reliable for our customers.

Salman Riaz

Founder . Allmytech

“Our Customers Love It”

We started using XPay a few months ago, and it’s been a game-changer. Before, our slow checkout process led to a 30% drop-off as customers had to leave our site to pay. With XPay’s embedded checkout, payments happen seamlessly on-site—simple, smooth, and secure.

Why Teams Choose XPay

Built to scale with you

01 Dedicated Support

Timely assistance to keep your operations running smoothly.

02 Quick, Scalable Integration

Robust APIs and clear documentation for fast, flexible onboarding.

03 Transparent Pricing

No hidden fees. Just predictable, enterprise-friendly billing.

Start collecting payments in 30 minutes.

From cards to wallets, XPay is PCI-certified, secure, and ready for businesses across Pakistan.

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