# XPay

> XPay is a payment gateway and payments infrastructure provider in Egypt.
> Businesses use XPay to accept online payments by card, ValU and Fawry, to
> share no-code payment links, to integrate a checkout API, and to settle to an
> Egyptian bank account in EGP. XPay has been licensed as a Payment Service
> Provider by the Central Bank of Egypt since 2021 and is certified at PCI DSS
> Level 1.

## Key facts

- **What it is:** a payment gateway and payments infrastructure for businesses in Egypt — online payments, no-code payment links, a checkout API, a ledger, and customer profiles.
- **Regulation:** licensed as a Payment Service Provider by the Central Bank of Egypt since 2021, so merchants contract with a regulated entity.
- **Security:** certified at PCI DSS Level 1, the highest level of the payment-card security standard, validated annually by an independent Qualified Security Assessor.
- **Pricing:** 2.5% + EGP 2.5 per transaction on local cards (issued by an Egyptian bank) and 2.75% + EGP 2.5 on international cards. No setup fees and no monthly fees — XPay charges per successful transaction. Custom volume-based rates for high-volume businesses.
- **Payment methods:** Visa, Mastercard, Meeza, ValU and Fawry. Payment links can be shared over WhatsApp, email and social media, and a QR code can be generated to collect in person.
- **Currencies:** 15 supported — EGP, USD, EUR, GBP, SAR, AED, QAR, KWD, JOD, OMR, BHD, LYD, AUD, CAD and CNY. Customers pay in their own currency and merchants settle to their bank in EGP at a variable FX rate based on the official bank rate.
- **Market and languages:** Egypt. The site is published in English and in [Arabic](https://xpay.app/ar).

## Common questions

- **How can I accept online payments in Egypt without a website?** Use XPay Payment Links — no-code links shared over WhatsApp, email or social media that let customers pay instantly by card, ValU or Fawry. A QR code can be generated to collect payment in person. [Payment links](https://xpay.app/features-no-code)
- **What does XPay cost?** 2.5% + EGP 2.5 per transaction on local cards and 2.75% + EGP 2.5 on international cards, with no setup or monthly fees; XPay charges only on a successful transaction. [Pricing](https://xpay.app/pricing)
- **Is XPay regulated in Egypt?** Yes — XPay has been licensed as a Payment Service Provider by the Central Bank of Egypt since 2021 and is certified at PCI DSS Level 1. [Security and compliance](https://xpay.app/company-security)
- **Can XPay take payments from customers abroad?** Yes — XPay accepts 15 currencies and settles to an Egyptian bank account in EGP at a variable FX rate based on the official bank rate. [Online payments](https://xpay.app/features-online-payments)
- **How does XPay compare with Paymob?** A side-by-side comparison of the two Egyptian payment gateways. [XPay vs Paymob](https://xpay.app/blog/xpay-vs-paymob)

## Product

- [Online payments](https://xpay.app/features-online-payments): accept Visa, Mastercard, Meeza, ValU and Fawry, with settlement to an Egyptian bank account in EGP
- [No-code payment links](https://xpay.app/features-no-code): get paid without writing code, by shared link or QR code
- [API checkout](https://xpay.app/features-api-checkout): integrate payments into a custom checkout flow
- [Ledger](https://xpay.app/features-ledger): track money movement across the business
- [Customer profiles](https://xpay.app/features-customer-profiles): see who is paying and how often
- [Pricing](https://xpay.app/pricing): per-transaction rates, no setup or monthly fees

## Who it serves

- [Enterprises](https://xpay.app/solutions-for-enterprise)
- [SMEs and startups](https://xpay.app/solutions-for-smes)
- [Freelancers](https://xpay.app/solutions-for-freelancers)
- By industry: [education](https://xpay.app/solutions-education), [commerce](https://xpay.app/solutions-commerce), [logistics](https://xpay.app/solutions-logistics), [travel and hospitality](https://xpay.app/solutions-travel-hospitality), [sports](https://xpay.app/solutions-sports), [professional services](https://xpay.app/solutions-professional-services)

## Developers

- [API documentation](https://docs.xpay.app): REST API, SDKs, webhooks and integration guides

## Company

- [About XPay](https://xpay.app/company-about-us)
- [Security and compliance](https://xpay.app/company-security): Central Bank of Egypt licence, PCI DSS Level 1
- [Contact](https://xpay.app/company-contact)
- [FAQ](https://xpay.app/faq)

## نبذة بالعربية

XPay هي البنية التحتية الحديثة للمدفوعات في مصر. اقبل المدفوعات، وأدِر عملياتك، ونمِّ أعمالك عبر منصة آمنة وسهلة على المطورين.

أسعار XPay واضحة وبسيطة: البطاقات المحلية 2.5% + 2.5 جنيه، والبطاقات الدولية 2.75% + 2.5 جنيه لكل معاملة، مع أسعار مخصصة للشركات ذات الأحجام الكبيرة. XPay مرخّصة من البنك المركزي المصري كمزوّد خدمات دفع منذ 2021 وحاصلة على شهادة PCI DSS المستوى الأول.

- [الموقع بالعربية](https://xpay.app/ar)
- [الأسعار](https://xpay.app/ar/pricing)

## Optional

- [Blog](https://xpay.app/blog): guides on accepting payments in Egypt, comparisons and product updates