Embedded money movement and financial operations
Embedded money movement and financial operations
xpate Pro brings account management, transfers, and reporting directly into platforms, enabling businesses to integrate money movement into their products and internal systems
xpate Pro brings account management, transfers, and reporting directly into platforms, enabling businesses to integrate money movement into their products and internal systems
Control financial operations through APIs
Control financial operations through APIs
xpate Pro puts account management and money movement directly within business systems
xpate Pro puts account management and money movement directly within business systems
Account management APIs
Account management APIs
Account management APIs
Money movement APIs
Money movement APIs
Reporting APIs
Reporting APIs
Real-time financial data
Real-time financial data
Scalable platform integrations
Scalable platform integrations
€ $ £
€ $ £
Access account balances
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Automate payouts
Retrieve transaction history
Incoming transfer
Incoming transfer
completed
+ € 35,342.00
Outgoing transfer
Outgoing transfer
processing
- € 1,345.89
3 refunds
3 refunds
completed
- € 1,124.79
Incoming transfer
Incoming transfer
completed
+ € 6,210.00
Access reporting data
Accounts
Access balances, transactions, and account status in real time
Name :
/accounts
- {"data": [{"id": "497f6eca-6276-4993-bfeb-53cbbbba6f08","merchantId": "c3073b9d-edd0-49f2-a28d-b7ded8ff9a8b","currency": "GBP","balances": {"total": "1500.00","available": "1200.00"}},{"id": "5a1c2d3e-7890-4abc-def1-234567890abc","merchantId": "c3073b9d-edd0-49f2-a28d-b7ded8ff9a8b","currency": "EUR","balances": {"total": "3200.50","available": "3200.50"}},{"id": "8b7e6d5c-4321-4fed-cba9-0987654321ff","merchantId": "c3073b9d-edd0-49f2-a28d-b7ded8ff9a8b","currency": "USD","balances": {"total": "5000.00","available": "4500.00"}}]}
Pay-ins
Collect customer payments through cards, bank transfers, and local payment methods
Name :
/transfers
- {"data": [{"transferId": "tr_01J4A8K2M001","amount": "12,450.00","currency": "EUR","feeAmount": "0.50","description": "Invoice payment","network": "sepa","status": "completed","creationDate": "2026-07-30T08:15:42Z","transferType": "incoming","sender": {"accountHolderName": "Northwind Trading Ltd","accountNumber": "DE21500105170648489890","bic": "BANKDEFFXXX","address": {"country": "DE","city": "Munich","street": "Lindenstrasse 42","postalCode": "80331"}}},{"transferId": "tr_01J4A8K2M002","amount": "2,980.50","currency": "GBP","feeAmount": "0.30","description": "Consulting services","network": "faster_payments","status": "completed","creationDate": "2026-07-30T09:41:18Z","transferType": "incoming","sender": {"accountHolderName": "Blue Horizon Ltd","accountNumber": "GB82WEST12345698765432","bic": "BARCGB22XXX","address": {"country": "GB","city": "London","street": "Harbour Road 18","postalCode": "SW1A 4AB"}}},{"transferId": "tr_01J4A8K2M003","amount": "845.90","currency": "EUR","feeAmount": "0.20","description": "Subscription payout","network": "sepa","status": "completed","creationDate": "2026-07-30T10:12:56Z","transferType": "incoming","sender": {"accountHolderName": "Digital Commerce SAS","accountNumber": "FR7630006000011234567890189","bic": "AGRIFRPPXXX","address": {"country": "FR","city": "Lyon","street": "Rue Victor Hugo 27","postalCode": "69002"}}},{"transferId": "tr_01J4A8K2M004","amount": "18,200.00","currency": "USD","feeAmount": "5.00","description": "Settlement payment","network": "swift","status": "completed","creationDate": "2026-07-30T11:37:05Z","transferType": "incoming","sender": {"accountHolderName": "Global Ventures Inc","accountNumber": "US64SVBKUS6S3300958879","bic": "CHASUS33XXX","address": {"country": "US","city": "New York","street": "Madison Avenue 245","postalCode": "10118"}}},{"transferId": "tr_01J4A8K2M005","amount": "5,600.00","currency": "EUR","feeAmount": "0.40","description": "Marketplace settlement","network": "sepa","status": "completed","creationDate": "2026-07-30T12:03:19Z","transferType": "incoming","sender": {"accountHolderName": "Marketplace Europe BV","accountNumber": "NL91ABNA0417164300","bic": "INGBNL2AXXX","address": {"country": "NL","city": "Rotterdam","street": "Westplein 15","postalCode": "3016 BM"}}},{"transferId": "tr_01J4A8K2M006","amount": "1,245.75","currency": "EUR","feeAmount": "0.25","description": "Customer refund","network": "sepa","status": "completed","creationDate": "2026-07-30T13:46:08Z","transferType": "incoming","sender": {"accountHolderName": "Retail Payments GmbH","accountNumber": "DE44500105175407324931","bic": "COBADEFFXXX","address": {"country": "DE","city": "Hamburg","street": "Alsterweg 91","postalCode": "20095"}}},{"transferId": "tr_01J4A8K2M007","amount": "32,800.00","currency": "EUR","feeAmount": "0.75","description": "Merchant settlement","network": "sepa","status": "completed","creationDate": "2026-07-30T15:11:44Z","transferType": "incoming","sender": {"accountHolderName": "Commerce Group Sp. z o.o.","accountNumber": "PL61109010140000071219812874","bic": "WBKPPLPPXXX","address": {"country": "PL","city": "Warsaw","street": "Marszalkowska 58","postalCode": "00-545"}}},]}
Payouts
Automate payouts and simplify money distribution at scale
Name :
/transfers
- {"data": [{"transferId": "9728e485-ecaf-448f-9d00-963563faf289","merchantId": "e6ec4e6c-e6b8-43d2-bc80-b9b3d8f77c5e","accountId": "bb85523f-88ce-4e3d-b2aa-2576664da969","clientReference": "e2e-pro-1772178283502","amount": "10.50","feeAmount": "0.02","currency": "EUR","transferType": "outgoing","description": "Test transfer v1","network": "sepa","beneficiary": {"type": "corporate","accountNumber": "LV17MLLK0000000123654","accountHolderName": "Baltic Tech Solutions","address": {"country": "LV","city": "Riga","street": "Negu iela, 7","postalCode": "LV-4201"}},"status": "pending","creationDate": "2026-02-27T07:59:49.025Z"},{"transferId": "60f647eb-a06f-49cf-82fb-9e1bcb378b96","merchantId": "e6ec4e6c-e6b8-43d2-bc80-b9b3d8f77c5e","accountId": "bb85523f-88ce-4e3d-b2aa-2576664da969","clientReference": "e2e-1772446910521","amount": "10.07","feeAmount": "0.02","currency": "EUR","direction": "outgoing","transferType": "internal","description": "Test transfer v1","network": "sepa","beneficiary": {"merchantId": "c3073b9d-edd0-49f2-a28d-b7ded8ff9a8b"},"status": "completed","creationDate": "2026-03-02T10:21:52.023Z","completionDate": "2026-03-02T11:22:10.550Z"}],"nextCursor": "eyJpZCI6IjEyMzQ1Njc4OTAifQ=="}
Reporting
Access structured financial data for clearer reporting and visibility
Name :
/reports
- {"eventId": "6a9c9d95-899d-4784-ac43-5dcf8f0fb451","eventType": "report_generated","timestamp": "2026-03-12T11:22:44Z","version": "1.0","data": {"id": "4560a3e0-12b2-437b-978d-3ab5ad6e26a0","status": "completed","reportType": "settlement-statement","parameters": {"dateFrom": "2026-03-01","dateTo": "2026-03-06","currency": "EUR","dateBy": "order-date"},"mimeType": "application/pdf","hash": "N8tQhIC96W2tXdVU3P2bBpUJ2IEYxSN2TqzQ4K+5hlk=","hashAlgorithm": "sha256","sizeBytes": 30944,"fileName": "some_file.pdf","expiresAt": "2026-03-19T11:22:45.000Z","createdAt": "2026-03-12T11:22:26.179Z"}}
Core capabilities
Reporting
Access structured financial data for clearer reporting and visibility
Payouts
Automate payouts and simplify money distribution at scale
Pay-ins
Collect customer payments through cards, bank transfers, and local payment methods
Accounts
Access balances, transactions, and account status in real time
Name :
/accounts
- {"data": [{"id": "497f6eca-6276-4993-bfeb-53cbbbba6f08","merchantId": "c3073b9d-edd0-49f2-a28d-b7ded8ff9a8b","currency": "GBP","balances": {"total": "1500.00","available": "1200.00"}},{"id": "5a1c2d3e-7890-4abc-def1-234567890abc","merchantId": "c3073b9d-edd0-49f2-a28d-b7ded8ff9a8b","currency": "EUR","balances": {"total": "3200.50","available": "3200.50"}},{"id": "8b7e6d5c-4321-4fed-cba9-0987654321ff","merchantId": "c3073b9d-edd0-49f2-a28d-b7ded8ff9a8b","currency": "USD","balances": {"total": "5000.00","available": "4500.00"}}]}
Financial infrastructure, built for software
xpate Pro connects digital platforms with financial infrastructure for managing and moving money at scale
xpate Pro connects digital platforms with financial infrastructure for managing and moving money at scale
Digital platforms
Digital platforms
xpate Pro
xpate Pro
xpate Pro
Accounts
Pay-ins
Payouts
Reporting
APIs
Automation
Financial infrastructure
Financial infrastructure
Built for platforms where money is part of the product
Built for platforms where money is part of the product
xpate Pro helps businesses embed financial operations into their platform experience
xpate Pro helps businesses embed financial operations into their platform experience
SaaS Platforms
Build financial visibility directly into customer and admin experiences
Marketplaces
Manage balances, settlements and payouts programmatically
Fintechs
Embed account management and money movement into products
Digital Platforms
Automate financial operations at scale
Neobanks
Embed banking experiences into digital products
SaaS Platforms
Build financial visibility directly into customer and admin experiences
Marketplaces
Manage balances, settlements and payouts programmatically
Fintechs
Embed account management and money movement into products
Digital Platforms
Automate financial operations at scale
Neobanks
Embed banking experiences into digital products
How platforms use xpate Pro
xpate Pro supports financial workflows across a range of platform use cases
xpate Pro supports financial workflows across a range of platform use cases
Marketplace payouts
Automatically distribute seller earnings through platform workflows
Payout batch · 20 recipients
Payout batch · 7 recipients
Payout batch · 14 recipients
Payout batch · 34 recipients
Scheduled for 19 Jun
total €40,200
Embedded reporting
Bring financial data directly into dashboards and internal tools
Sales volume
Sales volume
+93.2%
+93.2%
01
02
03
04
05
06
07
08
09
10
Treasury operations
Monitor balances and automate money movement through APIs
Balances
Balances
€
205,479,452.00
$
58,525,684.92
Liquidity control
Keep liquidity visible and accessible across accounts and currencies
Funds status
Funds status
live
Available
Available
€ 5,240,975
€ 5,240,975
In transit
In transit
€ 1,430,080
€ 1,430,080
Reserved
Reserved
€ 900,000
€ 900,000
Financial operations become part of the platform
Financial operations become part of the platform
xpate Pro turns accounts, transfers, and reporting into programmable building blocks for creating connected financial experiences
Bring financial operations into your platform
Manage accounts, move money, and automate workflows through APIs
Do you prefer email?
hello@xpate.com
Copied
Bring financial operations into your platform
Manage accounts, move money, and automate workflows through APIs
Do you prefer email?
hello@xpate.com
Copied
Bring financial operations into your platform
Manage accounts, move money, and automate workflows through APIs
Do you prefer email?
hello@xpate.com
Copied