Do I need to set up the Ledger?

No. It works out of the box. The moment you process your first transaction on XPay, the Ledger starts recording automatically, with no configuration.

I only collect through Payment Links. Is the Ledger useful for me?

Yes. Instead of tracking payments in spreadsheets or chat threads, you get a real-time, searchable record of every payment, by date, customer, or status.

Can I get the data into my own accounting system?

Yes. Export reconciled data as CSV, or pull it into your ERP or CRM through the REST API and signed webhooks.

How are fees and VAT shown?

Every entry separates gross, fee, and VAT, so you always see the exact amount charged, and you can pass fees through to customers or absorb them.

Financial operations

Automate your books. Know your cash.

Every payment, refund, fee, and payout is recorded the moment it happens, itemized to the piaster and reconciled for you. No spreadsheets, no manual entry.

app.xpay.app/transactions

Ledger

AllPaymentsRefundsPayouts

Live

EGP 128,450.00+12.4%Net volume · Today

TypeCityStatusAmount

PaymentCairoSucceeded+ EGP 2,800.00

PaymentGizaSucceeded+ EGP 950.00

RefundAlexandriaRefunded− EGP 1,200.00

PaymentCairoSucceeded+ EGP 22,000.00

Payout—Paid− EGP 84,350.00

PaymentMansouraSucceeded+ EGP 1,200.00

PaymentLuxorSucceeded+ EGP 16,000.00

RefundTantaRefunded− EGP 950.00

Real-time ledger

Fees & VAT itemized

One-click CSV export

REST API & webhooks

Every number, already reconciled. Balances, fees, and payouts tracked automatically inside every XPay account.

A balance you can trust

See available, pending, and reserved funds at a glance, updated as money moves.

Analytics on top of your ledger

Net-volume trends, top cities, and activity mix, without a single export.

Fees and VAT, itemized

Every entry separates gross, fee, and VAT, so you reconcile the exact amount charged.

2×

Payouts to your bank, every week

Export and integrate

Download clean CSV, or pull the ledger into your systems via REST API and webhooks.

Built for how finance teams actually work. Close faster, reconcile automatically, and always know where you stand.

Close your books faster

Month-end stops being a scavenger hunt. Every line is already categorized and reconciled for you.

Reconcile without spreadsheets

Gross, fee, VAT, and net line up with your bank statement automatically, with no manual entry.

Always know your cash position

Available versus pending versus reserved, in real time, so you can plan with confidence.

FAQ

Common Questions About XPay Unified Ledger

The XPay Unified Ledger records every transaction across your payment channels automatically, giving you real-time visibility into cash flow without manual entry.

See your whole business in one ledger

Stop reconciling by hand. Let every transaction record itself.