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One platform. One flow

Keep money flowing

Accept, manage, move, and protect money.

One hub for full control over financial operations

One platform. One flow

Keep money flowing

Get started

→

Accept, manage, move, and protect money.

One hub for full control over financial operations

The entire flow of money, finally under control from a single place

Total Balance

€ 10,759,765

.67

€

45,345.00

9,345,567.00

165.50

Send

Convert

No more fragmented systems.
No more manual workflows

Everything needed to manage money, end-to-end

From accepting payments to protecting every transaction

→

Accept payments globally through cards, local methods, and payment links

Acceptance rate

Currency type

→

Control accounts, balances, and financial data across the business

→

Send payouts and transfers globally through one unified infrastructure

→

Reduce fraud, prevent errors, and keep money secure

Dispute received

Support

Evidence submitted

Awaiting response

Dispute resolved

xpate brings everything businesses need into a single unified bundle

Manage your finances from a single account connected directly to your payments

Manage all financial operations through one platform

Payments, accounts, and payouts in a single infrastructure

Wallet

Sales

Disputes

Payment links

Reports

Card payouts

Anti-fraud

Built for scalable money operations

Handle growing transaction volumes without additional operational overhead

Chelsea Harg
IBAN
FR *** 1982
EUR
Individual
Gato Blanco
New
Wallet
*** 1ec7
GBP
My account
Sebastian Cart
IBAN
GB *** 0173
EUR
Individual
Unicorn LTD
New
EUR
Internal
Dolores Pilar
IBAN
ES *** 9803
EUR
Individual

Support international payments, global currencies, and payouts

All-in-one hub

€ 263,159,466

€

148,159,466

52,064

61,624

Send

Convert

Cashflow

€ 314,999.88

Incoming

+ € 510,000.20

Outgoing

- € 195,000.32

Last transactions

Gato Blanco S.L.

Incoming transfer

completed

+ € 35,342.00

Urban Haven

Outgoing transfer

processing

- € 1,345.89

Sebastian Cart

3 refunds

completed

- € 1,124.79

Card payouts

€ 18,543,786.23

One platform. Multiple business models

Different industries move money differently. Infrastructure should adapt to that

Fintechs

→

Operate on a unified infrastructure built for scale

PSPs

Payfacs

Digital wallets

Digital assets

→

Bridge traditional and digital finance with compliant infrastructure

Crypto exchanges

Custody

On and off ramps

Growing businesses

→

Get started quickly with a setup that scales with the business

Online stores

Creators

Freelancers

Platforms and marketplaces

→

Split, route, and settle funds across users and partners at scale

Marketplaces

SaaS

Subscription

Regulated industries

→

Built-in compliance, risk control, and payment resilience

iGaming

Forex

Trading

Online commerce

→

Increase conversion with flexible payment methods and smart routing

E-commerce

Travel

Mobility

Education

One platform. Multiple business models

Different industries move money differently. Infrastructure should adapt to that

Fintechs

→

Operate on a unified infrastructure built for scale

PSPs

Payfacs

Digital wallets

Digital assets

→

Bridge traditional and digital finance with compliant infrastructure

Crypto exchanges

Custody

On and off ramps

Growing businesses

→

Get started quickly with a setup that scales with the business

Online stores

Creators

Freelancers

Platforms and marketplaces

→

Split, route, and settle funds across users and partners at scale

Marketplaces

SaaS

Subscription

Regulated industries

→

Built-in compliance, risk control, and payment resilience

iGaming

Forex

Trading

Online commerce

→

Increase conversion with flexible payment methods and smart routing

E-commerce

Travel

Mobility

One platform. Multiple business models

Different industries move money differently. Infrastructure should adapt to that

Fintechs

→

Operate on a unified infrastructure built for scale

PSPs

Payfacs

Digital wallets

Digital assets

→

Bridge traditional and digital finance with compliant infrastructure

Crypto exchanges

Custody

On and off ramps

Growing businesses

→

Get started quickly with a setup that scales with the business

Online stores

Creators

Freelancers

Platforms and marketplaces

→

Split, route, and settle funds across users and partners at scale

Marketplaces

SaaS

Subscription

Regulated industries

→

Built-in compliance, risk control, and payment resilience

iGaming

Forex

Trading

Online commerce

→

Increase conversion with flexible payment methods and smart routing

E-commerce

Travel

Mobility

Education

Start building with
xpate Pro

→

Manage accounts, move money, and automate financial workflows directly through APIs, without relying on bank interfaces

Start building with xpate Pro

→

Manage accounts, move money, and automate financial workflows directly through APIs, without relying on bank interfaces

Build trust with a secure and compliant partner

Licensed
and compliant

Visa and Mastercard principal member

Secure
and safe

Our secure account ensures safe transactions, protecting your business and supporting growth

Regulated
and certified

FCA regulated, EU licensed, and supervised by the Bank of Latvia — giving your business a reliable and compliant payment foundation

Latest insights from xpate

Perspectives, product news, and ideas around how money should move

View all news

→

Expertise

Why ‘success’ does not always mean settlement in cross-border payments

The Fintech Times

Aug 10, 2026

Expertise

Why ‘success’ does not always mean settlement in cross-border payments

The Fintech Times

Aug 10, 2026

Expertise

Interview with Sofia Khatsernova, Legal Function Owner at xpate

Just AI News

May 22, 2026

Expertise

When AI starts transacting, who is accountable?

Unite.ai

Apr 28, 2026

Expertise

When AI starts transacting, who is accountable?

Unite.ai

Apr 28, 2026

View all news

→

Keep money flowing

Let’s find the right setup. Tell us about your business, and we’ll show how xpate can support your money flow

Do you prefer email?

hello@xpate.com

Copied

Keep money flowing

Let’s find the right setup. Tell us about your business, and we’ll show how xpate can support your money flow

Do you prefer email?

hello@xpate.com

Copied

Keep money flowing

Let’s find the right setup. Tell us about your business, and we’ll show how xpate can support your money flow

Do you prefer email?

hello@xpate.com

Copied

Keep money flowing

Keep money flowing

The entire flow of money, finally under control from a single place

No more fragmented systems.No more manual workflows

No more fragmented systems.No more manual workflows

Everything needed to manage money, end-to-end

Everything needed to manage money, end-to-end

Accept payments globally through cards, local methods, and payment links

Control accounts, balances, and financial data across the business

Control accounts, balances, and financial data across the business

Send payouts and transfers globally through one unified infrastructure

Reduce fraud, prevent errors, and keep money secure

xpate brings everything businesses need into a single unified bundle

xpate brings everything businesses need into a single unified bundle

xpate brings everything businesses need into a single unified bundle

Manage all financial operations through one platform

Payments, accounts, and payouts in a single infrastructure

Built for scalable money operations

Handle growing transaction volumes without additional operational overhead

Support international payments, global currencies, and payouts

All-in-one hub

One platform. Multiple business models

Fintechs

Digital assets

Growing businesses

Platforms and marketplaces

Regulated industries

Online commerce

One platform. Multiple business models

Fintechs

Digital assets

Growing businesses

Platforms and marketplaces

Regulated industries

Online commerce

One platform. Multiple business models

Fintechs

Digital assets

Growing businesses

Platforms and marketplaces

Regulated industries

Online commerce

Start building withxpate Pro

Start building with xpate Pro

Build trust with a secure and compliant partner

Build trust with a secure and compliant partner

Licensedand compliant

Licensed and compliant

Secure and safe

Secure and safe

Regulated and certified

Regulated and certified

Latest insights from xpate

Why ‘success’ does not always mean settlement in cross-border payments

Why ‘success’ does not always mean settlement in cross-border payments

Interview with Sofia Khatsernova, Legal Function Owner at xpate

When AI starts transacting, who is accountable?

When AI starts transacting, who is accountable?

Keep money flowing

Keep money flowing

Keep money flowing

No more fragmented systems.
No more manual workflows

No more fragmented systems.
No more manual workflows

Start building with
xpate Pro

Licensed
and compliant

Licensed
and compliant

Secure
and safe

Secure
and safe

Regulated
and certified

Regulated
and certified