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.