Custom acquiring
& banking, built by
fintech, for fintech

Custom acquiring
& banking, built by
fintech, for fintech

Custom acquiring
& banking, built by
fintech, for fintech

Fuel your growth →

VISA

Mastercard

ApplePay

Card pay-ins

Card payouts

Payment links

API

Custom HPP

Secure transactions

Transparent fees

Tailored to solve
industry-specific challenges

Payment service providers

Direct Visa and Mastercard acquiring with competitive collateral requirements, supporting KYC compliance for businesses of all risk levels

Payment facilitators

Visa and Mastercard acquiring with a reliance model, fast sub-merchant onboarding, no monthly minimums, and transparent IC++ pricing

Crypto ramp providers

Crypto friendly payment collection, Visa, MC, Apple and Google pay, crypto payouts, Named IBAN accounts, SEPA, SWIFT, FP payments

Digital wallets

Seamless card pay-ins and payouts, AFT, multi-currency settlements, FX, and liquidity management

Trusted by the world's top fintech innovators

Payment rails

Instant

card payouts

via

Visa Direct and

Mastercard MoneySend

Direct access to

Visa and Mastercard

as a

card payouts

via

Visa Direct and

Mastercard MoneySend

Complete
acquiring solutions

Complete
acquiring solutions

Apple Pay

Google Pay

Recurring

CIT

MIT

AFT

2PT

OCT

Specialized acquiring

for

high-brand-risk (VIRP)

MCCs in regulated industries

Multi-currency

payment acceptance with

150+ supported currencies

Adaptive risk controls

and

dispute management

Banking rails

Virtual

and

pooled accounts

for

efficient treasury and client fund management

FX and liquidity

management for seamless

multi-currency operations

Managed

bank accounts

in

EU

and

UK

financial

institutions for full regulatory compliance

Cross-border and domestic

payments via

SWIFT

SEPA

ACH

SEPA Instant

Faster Payments

Named IBANs

for

global payments
and simplified reconciliation

Fuel your growth →

Fuel your growth →

Fuel your growth →

We

safeguard

our

our clients funds in compliance with financial regulations

We ensure full compliance across the UK and EEA, offer dedicated support, and provide flexible terms with no hidden costs or onboarding fees

Talk to our fintech experts

For Business

For Regulated industries

For Fintech

About

Contact

API

Privacy Policy

Cookie Policy

Legal notice

xpate Singapore

© Copyright xpate 2025. All right reserved.

*Not a bank, just doing all the cool stuff banks do—without the boring branches, confusing fees, or stuffy suits. You're welcome.

*Not a bank, just doing all the cool stuff banks do—without the boring branches, confusing fees, or stuffy suits. You're welcome.

UK: In the United Kingdom, services are provided by xpate Ltd, a company incorporated in England and Wales (registered number: 11920779), with an office at Level 18 40 Bank Street, Canary Wharf, London, England, E14 5NR. xpate is authorised by the Financial Conduct Authority (Reference number: 901021) to issue electronic money (e-money) and provide payment services. EEA: In the European Economic Area, services are provided by xpate SIA, which is incorporated in Latvia (registered number: 40203411426) with an office at Dzirnavu Street 42, Riga LV-1010, Latvia. xpate SIA has an electronic money institution operating licence issued by Latvijas Banka (Licence number 27-55/2023/7) to issue electronic money and provide several payment services.You may contact us via e-mail at wecare@xpate.com.