About XPay.Life

A Payments App built for India, by Indians

XPay.Life is an award winning Fintech startup that has dedicated itself to easing payment systems and energising transactions in India. A true blue Made In India Product, at its core, the robust architecture supports multi modal form factors.

From the Mobile app to the Web, all the form factors leading to the platform has one common belief at its core, to enable Secure transactions with the maximum ease to its customers.

With millions of customers swearing by its efficacy, the XPay.Life platform has reached the nooks and crannies of the country, aiming to educate and enable the rural countryside to transact financially. Through its BBPS platform for utility bill payments and its UPI channel for all other Person to Person or Merchant transactions, both certified by NPCI, the platform is now synonymous with banking at your doorstep!

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A spirit with a vision is a dream with a mission


XPay Life would endeavour to provide solutions to organizations and to customers directly to enable digitization of the rural masses. This would include but not remain limited to platforms to enable transactions, financial assistance services, digital literacy programs and many such services to serve rural villages of the world.


To be the partner of choice for the Unbanked and Financially excluded in India and overseas, by providing the most secure, user friendly and effective tools to transact financially.

Strategic Outlook

Technology is the biggest enabler of the masses, with the right mix of technology and the drive to enable its adoption, we can change the way the world transacts!” XPay.Life believes it can use its technology to bring about a revolution in the way the rural masses perceives finance.