Question 1

How quickly can I start accepting payments?

Accepted Answer

Integration typically takes 1 to 2 days with our developer-friendly API and documentation. With no-code tools you can be live in minutes, and our technical team supports you throughout onboarding.

Question 2

What payment methods does XPay support?

Accepted Answer

XPay supports Visa and Mastercard, ValU (buy now, pay later), and Fawry (cash at thousands of outlets), with settlement to your bank in EGP.

Question 3

How long does it take to integrate XPay?

Accepted Answer

It depends on your setup. No-code tools can be ready in minutes, while API integrations typically take 3 to 5 business days with our documented REST APIs and SDKs.

Question 4

Do I need a website to accept payments?

Accepted Answer

No. Use XPay's no-code tools: log in to the dashboard, add your product, and generate a secure Payment Link or QR code. Share it by WhatsApp or social media to get paid.

Question 5

What currencies does XPay support?

Accepted Answer

XPay supports 15 currencies (EGP, USD, EUR, GBP, SAR, AED, QAR, KWD, JOD, OMR, BHD, LYD, AUD, CAD, and CNY), ideal for freelancers and businesses in Egypt working with international clients. Customers pay in their currency and you settle to your bank in EGP at a variable FX rate based on the official bank rate.

Question 6

How do I get technical support?

Accepted Answer

Our support team is available by email, phone, and live chat. Enterprise clients receive priority support with a dedicated account manager and assistance for critical issues.

Question 7

What payment methods do Payment Links support?

Accepted Answer

Payment Links accept Visa and Mastercard, ValU instalments, and Fawry, with the exact set depending on what is enabled on your account.

Question 8

Is XPay suitable for freelancers?

Accepted Answer

Yes. Freelancers and consultants collect fees professionally with branded Payment Links and hosted checkout, settling securely to your bank account.

Question 9

Do I have to configure the Ledger?

Accepted Answer

No. It works out of the box. As soon as you process your first transaction on XPay, the Ledger begins recording automatically, with no manual setup.

Question 10

What happens if I add more XPay products later?

Accepted Answer

The Ledger is designed to scale. As you add more XPay products, the new transactions simply appear in your existing Ledger view, keeping everything in one place.

Question 11

How do XPay Intelligence signals work?

Accepted Answer

They are transparent, rule-based reads of payment success rates, dispute history, and refund frequency. Every signal carries a visible reason, so you can see exactly why a customer looks reliable or risky.

Question 12

Can I see a customer's behavior with other merchants?

Accepted Answer

No. Your customer data is exclusively yours. You only see transactions processed through your own XPay account, and we never share it with other merchants.

Question 13

How do I pull profile data into my CRM?

Accepted Answer

XPay provides REST API endpoints for customer profiles. You can sync signals and profile data to your CRM or support desk, and webhooks keep everything current in real time.

Question 14

Is my customer data secure?

Accepted Answer

Yes. All data is encrypted at rest and in transit. XPay is PCI-DSS Level 1 compliant and never sells your data or shares it with other merchants.

Question 15

How quickly can I integrate the XPay API?

Accepted Answer

Most developers complete integration in 3 to 5 business days. Our documented REST API, JavaScript and React SDKs, and full sandbox let you test before going live.

Question 16

What programming languages are supported?

Accepted Answer

XPay ships official JavaScript and React SDKs, and the REST API works with any language that supports HTTPS: Node.js, Python, PHP, Ruby, Go, Java, C#, and more.

Question 17

Is the XPay API PCI compliant?

Accepted Answer

Yes. XPay is PCI-DSS Level 1 certified, the highest level. You can accept card payments without handling sensitive card data directly, which reduces your compliance burden.

Question 18

How do I handle webhooks for payment events?

Accepted Answer

XPay sends real-time webhooks for every payment lifecycle event (success, failure, refund, dispute). Configure your endpoint in the dashboard and we sign each payload so your server can verify it.

Question 19

Can I test payments before going live?

Accepted Answer

Yes. The sandbox mirrors production with test cards and simulated outcomes. Switch to live keys when you are ready, with no code changes.

Question 20

Can we move from no-code to the API later?

Accepted Answer

Yes. Payment Links and the API run on the same Checkout Session, so you can start with a link today and integrate the full API later without changing your account.

Question 21

Does XPay support my platform (Shopify, WooCommerce, etc.)?

Accepted Answer

You can add XPay to any storefront with a Payment Link on a button, or integrate the REST API and our JavaScript and React SDKs. Dedicated e-commerce plugins are on the roadmap.

Question 22

Is XPay PCI-DSS compliant?

Accepted Answer

Yes. XPay is PCI-DSS Level 1 certified, the highest level of payment-card security, and licensed by the Central Bank of Egypt.

Question 23

Is the XPay payment page secure?

Accepted Answer

Yes. Payment Links open the XPay hosted checkout, which is PCI-DSS compliant and encrypted, the same secure infrastructure used for every XPay payment.

Question 24

What are XPay's transaction fees?

Accepted Answer

Local cards are 2.5% + 2.5 EGP and international cards are 2.75% + 2.5 EGP per successful transaction. High-volume businesses can get custom rates. See the pricing page for details.

Question 25

Does XPay support multi-currency transactions?

Accepted Answer

Yes. XPay accepts 15 currencies. Your customers pay in their own currency, and you settle to your bank in EGP at a variable FX rate based on the official bank rate.

Question 26

How can I accept online payments in Egypt without a website?

Accepted Answer

Use XPay's Payment Links: no-code links you share by WhatsApp, email, or social media so customers pay instantly by card, ValU, or Fawry. You can also print a QR code to collect in person.

Question 27

How fast can Egyptian SMEs go live with XPay?

Accepted Answer

Most SMEs are live in 3 to 5 business days. You can start with no-code tools almost immediately after your account is verified, and we handle regulatory compliance with the Central Bank of Egypt.

Frequently Asked Questions

Getting started

Features & products

Customer insights

Developer & API

Security & compliance

Egypt-specific

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