How xPay scaled its payment operations and reduced settlement time by 50% with Xflow
From operational complexity and unpredictable settlements to cost savings, and a seamless payments infrastructure built for platforms.
50%
Reduction in time to settlement
10/10
Rated customer support
10%
Savings in overall costs
Use case
xPay processes payments on behalf of its merchant base, making settlement speed, operational predictability, and scalability central to how the platform performs. As transaction volumes grew, xPay needed a payments infrastructure partner that was built with platforms in mind, not just merchants and one that could support seamless scaling without adding operational complexity.
Problem summary
xPay started its journey evaluating multiple payment providers simultaneously. What became clear early on was that most solutions in the market were built with individual merchants in mind, not platforms. That distinction mattered because a merchant-first product could handle transactions, but it could not provide the kind of scalability, predictability, and operational depth that a growing payments platform required. With most of the popular platforms xPay was evaluating, the settlement timelines were unpredictable, operational overhead was high, and the infrastructure did not lend itself to scaling seamlessly alongside the business.
Why Xflow
xPay partnered with Xflow from day one, and it was clear early on that this was a platform built with payments companies in mind, not just merchants. And this is what made all the difference. Getting started was easy. The documentation was solid, the APIs were well built, and the team was up and running within two weeks. From there, things only got better. Settlements became more predictable, the time it took for money to move dropped by 50%, and a lot of the operational noise that comes with running a payments platform quietly went away.
Results
With Xflow, xPay's operations became faster, leaner, and more scalable. Settlement predictability improved significantly, costs came down, and the team was freed from operational friction that had held them back. xPay had the foundation it needed to grow and a genuine partner to grow with.
Impact on xPay's business
Reduction in settlement time
50% faster, more predictable settlements for xPay and its merchant base
10% cost savings
Overall costs reduced by over 10%, resulting in meaningful savings at scale
Platform-first infrastructure
Scales with the business without adding operational complexity
Razor fast onboarding
Fully integrated and live within two weeks, with clear APIs and documentation
“I would highly recommend Xflow, especially for platforms. Their product is top notch and one of the best in the market. It gave us more predictability in our settlements and made our life easy operationally.”
Aniket Gupta, CEO at xPay
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