How Ehsan Switched from PayPal to XPay and Gets Payouts Every Two Days

An e-commerce SMB trades held funds and 5% fees for predictable cash flow.

At a glance: 8 / 10 Ease of migration · 5% Previous PayPal fee, now removed · Every 2 days Payout cadence on XPay

The challenge

Ehsan had been processing online payments through PayPal but ran into recurring cash-flow issues. PayPal would freeze funds, charge a 5% fee on every transaction, and only release balances at the start of each month, with additional deductions if the business needed an earlier payout.

The solution

The business migrated to XPay after its bank was unable to support a direct gateway. With XPay handling collections, Ehsan no longer worries about frozen balances or unpredictable fee structures. When something does come up, the team reaches XPay support easily and gets a fast resolution, a contrast they highlight explicitly against PayPal.

The results

Ehsan now receives payouts every two days, dramatically improving cash-flow visibility and reinvestment cycles. With more predictable money in the bank, the team has been able to scale marketing spend and reach more customers without worrying about whether funds will be available when needed.

From a 5% drag on revenue to predictable cash flow

PayPal's fee structure wasn't just expensive, it was unpredictable. Switching to XPay turned a recurring operational headache into a non-issue, and gave Ehsan the confidence to invest in growth rather than hedging against payment delays.

"In our industry, I tell people XPay is exceptional, right down to the basics, like paying us out every two days."

Founder, Ehsan