xpate

xpate is a comprehensive fintech platform designed to streamline financial operations for online businesses, fintechs, and regulated industries. Operating under licenses from the Financial Conduct Authority (FCA) in the UK and the Bank of Latvia in the EU, xpate offers a secure and compliant environment for managing payments and banking needs.

The platform provides a unified solution that combines card acquiring, foreign exchange (FX), and banking services into a single account. This integration simplifies money management by offering features such as free multi-currency accounts with individual IBANs, support for over 150 currencies, and the ability to accept various payment methods including Apple Pay, Google Pay, cards, wallets, and subscriptions.

xpate's services cater to a diverse range of clients. For businesses, the platform offers transparent and competitive pricing with no account opening fees, hidden costs, or monthly charges. Fintechs benefit from custom-built acquiring and banking rails, while regulated industries receive industry-specific payment and banking services with tailored pricing options.

The platform is designed for scalability, allowing businesses to grow without the complexities of managing multiple financial service providers. With a focus on simplicity, security, and compliance, xpate enables businesses to focus on their core operations while handling the intricacies of financial transactions.