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XPay

xpay.app

Egyptian online payment platform offering hosted checkout, payment links and APIs for businesses, with settlement in EGP.

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At a glance

  • Accepts freelancers with a national ID
  • No commercial register needed
  • Payment links you can send in chat
  • Plugins for Shopify or WooCommerce

Summarised from the facts below. Not paid for.

Is XPay right for your business?

Describe it and we'll say how XPay fits, and what else to consider.

Fees

Fees
ItemValueSource
Setup feeFree24 Oct 2026
Monthly feeFree24 Oct 2026
Local card fee (%)2.5%24 Oct 2026
Local card fixed fee per transactionEGP 2.524 Oct 2026
International card fee (%)2.75%24 Oct 2026
International card fixed feeEGP 2.524 Oct 2026
Refund feeFree24 Oct 2026
Custom pricing availableYes24 Oct 2026

Getting paid

Getting paid
ItemValueSource
Payout currencyEGP24 Oct 2026

Not published: Settlement time – cards

Payment methods

Payment methods
ItemValueSource
Payment methodsVisa / Mastercard, Fawry reference, valU, Apple Pay

Requirements

Requirements
ItemValueSource
Commercial register requiredNo
Tax card requiredNo
Freelancers acceptedYes
Bank account requirementsPayout destination: bank account (holder name, bank, account number, IBAN, SWIFT/BIC) or a Visa/Mastercard/Amex card

Not published: Typical approval time

Product

Product
ItemValueSource
Payment linksYes
Recurring billingNo
Multi-currencyYes

Developers

Developers
ItemValueSource
REST APIYes
Sandbox / test modeYes
iOS SDKNo
Android SDKNo
Web SDK / hosted checkoutYes
React Native SDKNo
E-commerce pluginsWooCommerce, Odoo
WebhooksYes

Licences and compliance

Licences and compliance
ItemValueSource
PCI DSS levelPCI DSS Level 1 (as stated by vendor); SOC 2 Type 2
3-D SecureYes

Not published: Regulator license

Support

Support
ItemValueSource
Support channelsEmail, WhatsApp