• About XPay Life?
    XPay Life is expanding the bill payment sector by facilitating Full-spectrum bill payment through the Mobile App, Web, ATP(Any-Time-Payment) Kiosk, PoS machines, and Mobile Van. The name of XPay Life denotes the importance it provides for secure transactions and to make life simpler through its innovations. The X in box design represents Blockchain and stands for our Brand Parent Company XIPHIAS. XPay Life facilitates bill payment for the categories of Electricity, Water, Gas(Piped and LPG), Telecom(Landline, Mobile and Broadband), DTH, Insurance, Loan repayment through EMI,FASTag, School Fees, Mobile Prepaid, Cable TV. In short, it facilitates all recurring payment categories. Our USP is Utility Bill Payment through ATP Kiosk where we accept cash payment along with credit/debit cards. The online digital payment channels include payment through UPI, Debit and Credit Card, Net Banking, Mobile banking.
  • Why XPay Life?
    The payment through XPay Life is BBPS/NPCI assured and hence adds the trust and credibility to your payment. The payment service follows the highest standard of security through the AMBIC model. The acronym stands for Artificial Intelligence, Mobility, Blockchain, IoT and Cloud. Hence payment through the XPay Life is highly secure and credible.Also, the payment is not confined only to the online modes, our ATP kiosk, PoS machine, and Mobile Vans facilitate bill payment by accepting cash as a bill payment mode and makes the transaction digital.
  • What is XPay Life?
    XPay Life offers a full spectrum of Multi Utility Bill Payment through Touch Screen Kiosk, Web, iOS and Android Mobile App, POS Device and Mobile Van.
  • What is the USP of XPay Life?
    Our USP is Utility Bill Payment through Touch Screen Kiosk where we accept cash payment along with digital payment channels like UPI, Debit and Credit Card, Net Banking, and Wallets using Blockchain enabled most secured Payment Gateway XPay Life.


  • What are the different types of login methods in XPay Life? / How can I login into XPay Life?
    You can log in through Gmail, Facebook, Email Id, and Phone Number.
  • How do I get OTP on my phone? / Can I get my OTP in email?
    OTP is sent on registered phone number and Email Id. If you are not getting otp please click resend OTP button.
  • What should I do if I forget my password? / What should I do if I forget my Username?
    Please click on ‘forget password’ and a link will be sent on your registered email id. You can reset it by clicking on the link. Also, you can log in using your phone number.
  • How do I Update my Email Address?
    If you have verified the email, you can’t change it.


  • How can I pay using XPay Life account?
    XPay Life account makes payments amazingly easy. Just follow the steps given below.
    • - On the payment page, Fetch Your utility bill.
    • - Log in to your account XPay Life
    • - Use your XPay Life Points and/or saved cards, new cards, net banking to make the payment.
  • What are the modes of Online Payment?
    Debit card, Credit card, UPI, Netbanking, Cash, EMI, TPA Wallet, CUG Wallet.
  • What credit and debit cards can be accepted?
    We accept Visa, Master, Rupay and American Express
  • What if my transaction fails mid-way?
    Please contact to support team [email protected] or call @ +91 88843 56000
  • Where all can I use XPay Life Points?
    You can use in all your utility bill Payments in XPay Life
  • How can I place a request to refund?
    Please contact our support team, and we will refund the amount within 3 days. [email protected]
  • Are there purchase any limits for recharges?
    Yes, you can pay your all postpaid bill in XPay Life and you don't have any purchase limit for recharges.


  • Whom can I refer?
    You can refer your friends and relatives and whoever contact with you
  • What is the criteria for an eligible referral?
    Yes. you can refer if you're having the referral code.
  • Where can I find my referral link?
    Yes. you can find referral link in the Xpay mobile app Refer and earn page.
  • How much can I earn?
    No Limit has been specified yet.
  • Is there a way for me to track the status of my referrals?
    Yes.you can track the status of your referrals. When the user referred by you Made the First transaction at that time xpay points added to your wallet.
  • My referral forgot to use my referral link. Is there a way to track it back to my account?
    No. Sorry you have to install once again with different Mobile number
  • Can I refer customers in any country?
    No .Sorry you can only refer within India


  • What will be transaction charges for each payment?
    UPI, Rupay and Wallet no charges however credit/debit and netbanking charges will be applied as per market standard.
  • What will be the offers available?
    There are many offers available for different verticals (I, e postpaid bill, water bill, electricity bill, etc.) and also good cashback are available with this app, Refer and Earn offer is also available.
  • Whether we need to add money to the XPay Life wallet like that to do the payment?
    No, Adding money, transfer to bank facility is not available in XPay Life CUG Wallet.
  • Where we can find XPay Life?
    Please download our Mobile app (App store, Play Storage), POS App (M-Swipe Store), Kiosk and others (contact customer care).
We ensure that a complete universe of financial products is made available to our franchisees and thereby enable them to become financial supermarkets.
Download the XPay Life app to make your life simpler