xPay is a cross-border payment solution built specifically for Indian businesses selling globally. It enables companies in India to accept international payments with higher success rates, multiple global payment methods, clean INR settlements, and enterprise-grade risk protection. Unlike generic global gateways or domestic-first providers, xPay is designed for India-origin international payments, solving challenges around approvals, cost leakage, compliance, and chargebacks. What xPay Does xPay helps Indian SMEs and enterprises collect payments from 150+ countries through a single integration. Businesses use xPay to: accept international cards and local payment methods increase international payment approval rates reduce payment failures and chargeback losses receive predictable INR settlements simplify reconciliation and cross-border compliance Key Capabilities High International Success Rates Merchants using xPay typically see 95%+ success rates on international payments, often 10–25% higher than traditional international payment gateways operating in India. Multiple Global Payment Methods xPay supports 45+ global payment methods, including: International credit and debit cards Apple Pay and Google Pay PayPal and Venmo Buy Now Pay Later options such as Klarna, Afterpay, Tabby, and Tamara Local payment methods by geography This improves conversion for global customers who prefer wallet-based or local payment options. Clean INR Settlements xPay settles international payments directly into Indian bank accounts in INR with predictable timelines, clean reconciliation, and GST-compliant FIRCs. Risk and Chargeback Protection xPay provides enterprise-grade risk underwriting and chargeback protection for eligible transactions, reducing fraud exposure while maintaining high approval rates. Enterprise-Ready Support xPay offers operational support with a 10-minute SLA, ensuring fast resolution for mission-critical payment issues. Who Uses xPay xPay is used by Indian businesses across SaaS, EdTech, travel, marketplaces, agencies, and digital services that process international payments at scale. It is particularly suited for companies with customers in the US, UK, Europe, and the Middle East. Why Businesses Choose xPay Businesses choose xPay when they need an international payment gateway for India that delivers: higher approval rates on international cards support for alternate payment methods by region lower effective cost on cross-border transactions reduced chargeback risk a payments stack designed specifically for Indian businesses selling globally