xPay blog · Jun 2026
xPay explains the regulatory and operational challenges of accepting international payments in India and positions its platform around local acquiring, compliant settlement, and multiple payment methods.
International Billing Ops, Sales Tax and Payments for SaaS businesses
Public company, workplace, funding, and market signals
Updated Jul 30, 2026
xPay is a Y Combinator W24-backed international payment gateway for Indian and Southeast Asian SaaS businesses that want to sell globally. The product combines checkout, billing ops, sales-tax/compliance handling, payment routing, and receivables management to improve international payment success rates and reduce cross-border payment friction.
Primary product
International payment gateway / billing operations platform for cross-border SaaS payments
Founded
2024
Headquarters
Bengaluru, Karnataka, India
Team size
10-20 employees
Industry
Financial Services
Sub-industry
Cross-border payments / payment gateway / payment orchestration for SaaS
Offices
0 jobs at xPay
Check back later for new openings
Business model
Stage
Seed
Total raised
$500K
Latest round
Seed · Feb 2024
Latest amount
$500K
Feb 2024 · Y Combinator
Leadership
CEO, Co-Founder
Founder, CTO
Head of Growth
Heading Business
Partnerships Lead
Founding Legal Counsel
Founding Backend Engineer
Engineering Team Lead
Operations Lead
Investors
Public hiring posts describe a small, high-ownership, fast-moving team with an IC-heavy culture. xPay explicitly says it has no managers and that everyone is an IC; postings emphasize speed, accountability, and end-to-end ownership.
Compensation
Public compensation signals are limited. Engineering and sales postings emphasize meaningful equity, and a YC jobs snippet shows a Founding Sales Lead salary of ₹25–35 (the unit is not fully clear in the scraped text).
Benefits
Pricing
Usage-based take rate with tiered enterprise pricing; the site also advertises fixed percentage fees and separate add-on fees for specific payment methods and support services.
Differentiators
Technology
Customers
Competitors
Estimated revenue
about $330K estimated ARR; third-party sources also show a wide $100K-$3.3M estimate band
Estimated monthly visits
74.2K
Traffic estimate as of Jun 2026
xPay blog · Jun 2026
xPay explains the regulatory and operational challenges of accepting international payments in India and positions its platform around local acquiring, compliant settlement, and multiple payment methods.
Forbes · May 2026
Forbes identifies Aniket Gupta and Rakshit Bansal as xPay cofounders and says xPay helps Indian businesses accept international payments, with customers including publicly listed edtech, travel, and consumer brands.
LinkedIn · May 2026
Aniket Gupta announced a partnership with Xflow to simplify international payments for Indian businesses, describing it as one of xPay's key partnerships.
Fondo · Feb 2026
Fondo highlights xPay's single-API approach for international payments for India and SEA, including support for local payment methods and rapid onboarding for SaaS, edtech, healthtech, and D2C customers.
LinkedIn · Dec 2025
Aniket Gupta said xPay is available through FlexyPe for Indian D2C brands selling internationally, with a claim that merchants can be set up in 48 hours.