Products
Complete payment infrastructure for merchants operating in regulated markets
Tokenized Payment Gateway
The xPayz payment gateway enables merchants to accept payments and settle value using internal ledger-based tokens within a closed-loop ecosystem. Settlement occurs on the xPayz ledger using USXP and BRXP tokens, providing enhanced traceability, oversight, and control compared to traditional payment flows.
Capabilities
Payment links and hosted checkout
Invoice based collections
QR code payments
Tokenized settlement on internal ledger
Permission based access and limits
Real time balance visibility
Compliance Note: Product availability and features vary by jurisdiction based on regulatory assessment and approval. Access to settlement functionality is subject to identity verification, jurisdiction requirements, and compliance review.
Payment links
Create and share payment links with hosted checkout pages. Merchants can generate payment links for specific amounts or open-amount requests, share via any channel, and receive real-time payment confirmation when customers complete checkout.
Payment links support USXP and BRXP settlement based on merchant configuration and jurisdiction approval. Hosted checkout provides a consumer- friendly payment experience optimized for South American markets.
Invoices & QR Codes
Generate invoices with line items, due dates, and payment instructions. Track invoice status, accept partial payments, and export records for accounting and reconciliation. QR code generation enables in-person payment acceptance.
Invoice and QR payment records are stored on the xPayz ledger with complete transaction history, payment status tracking, and real-time balance updates for merchant accounts.
Merchant Accounts & Sub Accounts
Merchant accounts provide complete control over payment operations, settlement, and team access. Create sub-accounts for different business units, locations, or team members with granular permission controls.
Features
Role based permissions
Activity monitoring
Consolidated reporting
Account level controls
Fees
Signing up for xPayz is free. There is no cost to create an account, access the platform, or explore product features.
Commercial terms including transaction fees, settlement pricing, and service agreements are discussed directly with merchants based on transaction volume, jurisdiction requirements, and specific business needs.