xPay
xPay — India payment gateway with UPI, cards, and net banking support targeted at startups and developer-focused online merchants.
Our Verdict
Lower-friction Indian gateway for early startups — but Razorpay and Cashfree still dominate mindshare and scale.
Pros
- UPI, cards, and net banking in one API
- Startup-friendly pricing and onboarding
- Developer-focused documentation approach
- India local method coverage solid
Cons
- Small brand vs Razorpay or PayU India
- Limited track record at scale
- Support capacity constraints
- India-only scope
When to Use xPay
Good fit if you need
- UPI payment integration for Indian startup e-commerce sites
- Net banking and card checkout via xPay for Indian merchants
- Developer-focused payment gateway API for Indian online businesses
Pricing
Price wrong?xPay Pricing
- Pricing Model
- usage
- Free Tier
- No
- Entry Price
- —
- Enterprise Available
- No
- Transparency Score
- —
Beta — estimates may differ from actual pricing
Estimated Monthly Cost
$25
Estimated Annual Cost
$300
Estimates are approximate and may not reflect current pricing. Always check the official pricing page.
Lock-in Assessment
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