The Opportunity
You already have the customers. Why leave card acceptance to someone else?
xpate Pro puts account management and money movement directly within business systems
The model
Card acceptance under your brand. Controls under ours
Card Schemes
Visa · Mastercard
Set the rules for every payment facilitator and its sponsor
Acquiring Sponsor
xpate
Licensed acquirer and scheme member. Registers you, runs the programme, settles the funds
Payment facilitator
You
Sub-merchants
Your business customers
Accept cards from the provider they already bank with
Accountability stays with you
You remain the registered payment facilitator, while xpate operates the controls needed to meet scheme requirements
The infrastructure
A full-scope service, operated by us
Scheme registration
Merchant checks
Clean applications are approved automatically; flagged cases go to our team
Monitoring and alerting
Transactions, fraud and chargeback levels are watched continuously for every merchant
Scheme compliance
Retrieve transaction history
Funds are split and paid out per merchant on your settlement cycle
Platform and API
Processing, portal and reporting. Nothing to host, nothing to maintain
What you get
Your merchants, your pricing, your margin
Merchant hierarchy
See every merchant under your programme in one view
Pricing you set
Configure rates per merchant. The margin is yours
Balances and settlement control
Know what each merchant holds and when it is paid
Automated settlement
Settlement to you on a fixed cycle, with a ledger and reconciliation per merchant
Reporting and reconciliation
Your programme
128
6
€4.2M
€320K
Harbour Dental Ltd
2.4%
€18,420
Active
Urban Haven
2.1%
€9,850
Review
Northlane Group
2.0%
€248,600
Active
Sebastian Cart
2.7%
€14,200
Active
Alder & Co
1.9%
€214,850
Active
Meridian Group
2.4%
€47,180
Review
The maths
A new revenue line on customers you already have
Who it is for
Built for firms that own the business customer and have no card acceptance
Financial institutions
Electronic money institutions
Business wallets
Payment institutions
Money service businesses
FX and cross-border payment firms
You are licensed and in good standing, your scheme history is clean, and your business customers ask you how to take cards
Software platforms
The same umbrella, for platforms where the customer relationship lives in the software. Keep the payments margin on your own sellers
Expanding into Europe
Money service businesses and fintechs from the US, Canada and beyond can run their UK and EU card acceptance through xpate. You stay where you are. The merchants you bring are businesses established in the UK or EEA
You, the payment facilitator
Your
merchants
How you go live
01
Fit call
We look at your customer base and agree which merchant categories you launch with
02
Scheme registration
Licensed acquirer and scheme member. Registers you, runs the programme, settles the funds
03
Portal set-up
Your programme, pricing and settlement cycle are configured. Your team is trained
