xpate
xpate is an all-in-one payment and banking platform for digital businesses, offering multi-currency accounts, payment processing, and cross-border transfers via SEPA and SWIFT.
Account Types
Business Plans
| Feature | xpate for Business (EEA) | xpate for Fintechs | xpate for Regulated Industries |
|---|---|---|---|
| Monthly Fee | Free | - | - |
| Annual Fee | - | - | - |
| Minimum Balance | - | - | - |
| Fee Currency | EUR | EUR | EUR |
| Free ATM Withdrawals | - | - | - |
| Billing Model | Pay As You Go | Custom | Custom |
| Free Tier | No | No | No |
| Description | All-in-one payments and multi-currency banking for digital businesses in the EEA. Flat or IC++ pricing, no account opening fee, card pay-ins/payouts, SEPA/SWIFT transfers. | Acquiring and banking rails for PSPs, payment facilitators, crypto ramps, and digital wallets. IC++ pricing, no monthly minimums, direct Visa/Mastercard access. | Tailored payment and banking solution for iGaming, Crypto, Forex, and mature content sectors. Flat, blended, or IC++ pricing. Custom offer required. |
Visit the provider website for detailed plan comparisons and features
Business Features
API confirmed via dedicated developer documentation portal at developer.xpate.com with API reference guides and integration resources; no API fee mentioned. Payment gateway confirmed: xpate explicitly offers online payment collection, card pay-ins and payouts, payment links, subscriptions, and multiple integration types including API, CMS plugins, and hosted payment page. Supports 150+ currencies, SEPA, Faster Payments, and SWIFT transfers. Card pay-in pricing tiers confirmed (1.3%/1.9%/2.7% depending on card origin). Multi-currency accounts with individual IBANs and built-in currency exchange (0.35% FX fee) confirmed. Licensed as EMI by Bank of Latvia (EU) and FCA-authorised in UK. Dispute and refund management mentioned. AI-powered fraud prevention and advanced encryption noted. No evidence found for: multi-user/team access, bulk/batch payments, expense management, receipt scanning, accounting software integrations (Xero, QuickBooks, etc.), corporate/virtual cards, invoicing, approval workflows, or scheduled/recurring payments. The URL /xpate.com/xpp may indicate a payment page product but content was not fetchable. Subscriptions are mentioned as a feature under card pay-ins but no explicit scheduled payment scheduling interface is described.
Fees & Limits
| Route | Fee Structure | Min/Max |
|---|---|---|
| Internal | Free(N/A) | No limit €0 fee for internal transfer to other xpate merchants (EEA) |
| SEPA (EUR) | €1.00(1-2 business days) | No limit €1 fixed fee for SEPA transfers (EEA) |
| Faster Payments (EUR) | €1.00(seconds) | No limit €1 fixed fee for Faster Payments transfers (listed under EEA pricing tab; fee denominated in EUR) |
| International (SWIFT) | €10.00(2-5 business days) | No limit €10 fixed fee for SWIFT transfers (EEA) |
| Other | 0.01%(N/A) | No limit Card pay-in fee; cards issued in the same EU country (EEA pricing) |
| Other | 0.00%(N/A) | No limit Currency exchange fee on multi-currency account (EEA); account opening fee is €0 |
| Not Available | Free(N/A) | No limit xpate for Fintechs exists as a product but uses custom-built acquiring and banking rails with bespoke pricing; specific transfer fees are not publicly listed and the product page could not be fetched |
| Fee | Details | Amount |
|---|---|---|
| Account Fees | ||
| Account Opening Fee | -One-time | Free |
| Monthly Maintenance Fee | -Monthly | Free |
| Settlement Fee | -Per transaction | Free |
| Transfer Fees | ||
| Internal Transfer Fee | -Per transaction | Free |
| Outbound Sepa Transfer Fee | -Per transaction | €1.00 |
| Outbound Faster Payment Fee | -Per transaction | €1.00 |
| Outbound Swift Transfer Fee | -Per transaction | €10.00 |
| Card Fees | ||
| Card Processing Fee Same Eu Country | -Per transaction | 0.01% |
| Card Processing Fee Eu Eea | -Per transaction | 0.02% |
| Card Processing Fee International | -Per transaction | 0.03% |
| Other Fees | ||
| Fx Conversion Fee | -Per transaction | 0.00% |
Cards
No card information available
Security & Compliance
Regulation
- Financial Conduct Authority (FCA)License: Not disclosed. Licensed in United Kingdom. Safeguarding: segregated_accounts.
- Compliance CertificationsPCI DSS
App Security
- Two-Factor AuthenticationNot disclosed
xpate operates as a payment and banking hub regulated in the UK and EEA. Privacy Policy v1.6 effective Aug 21, 2025 indicates GDPR compliance. ICT services provided from UK and EEA regions. xpate commits to advance notification of service location changes per regulatory obligations. As a card-processing EMI operating under FCA jurisdiction, PCI DSS compliance is implied. No explicit mention of AES-256, TLS versions, SOC2, bug bounty, or penetration testing programs in available page content. The third source page is general biometric/MFA educational content from Identomat unrelated to xpate's own security disclosures.
Support & Platforms
Customer Support
- Email24/7
[email protected] — customer support and tech assistance
- Help Center24/7
Help center available at xpate.com/help — covers topics including risk management, chargeback workflows, fraud management, and merchant portal guidance
- Social Media24/7
LinkedIn community (uk.linkedin.com/company/xpate) and Instagram presence. Facebook also indicated at facebook.com/xpate/
- Contact Form24/7
Contact form indicated at xpate.com/contact-us and xpate.com/contacts
Available Platforms
Eligibility
Residents Can Open Account (31)
Supported Currencies
Local Account Details2 accounts
Individual IBANs explicitly offered (not pooled/virtual). €0 account opening fee. Transfer fees: €1 fixed for SEPA transfers, €10 fixed for SWIFT transfers, €0 for internal xpate-to-xpate transfers. 0.35% currency exchange fee. EEA region. EU entity licensed by Bank of Latvia (Licence 27-55/2023/7). Card pay-in rates: 1.3% for cards issued in same EU country, 1.9% for EU/EEA cards, 2.7% for all other cards. Final rates may vary based on business type.
Individual IBANs explicitly offered across multi-currency accounts (not pooled/virtual). €0 account opening fee. Transfer fees: €1 fixed for Faster Payments transfers, €10 fixed for SWIFT transfers, €0 for internal xpate-to-xpate transfers. 0.35% currency exchange fee. UK region. FCA authorised (Reference 901021). Card pay-in rates apply (UK pricing may vary). Final rates may vary based on business type.