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Payment Methods
xPay supports a wide range of payment methods to ensure global compatibility.
The table below provides a detailed breakdown of the available payment methods on xPay’s platform.
| Category | Payment Methods |
|---|---|
| Cards (Default) | Visa, Mastercard, American Express, Discover, Diner’s Club, JCB |
| Wallets | Amazon Pay, Apple Pay, Cash App, Google Pay, PayPal |
| BNPL (Buy Now, Pay Later) | Afterpay, Klarna |
Payment Method Enums
| Enum Name | Description |
|---|---|
CARD | Credit and debit card payments (Visa, Mastercard, etc.) |
AMAZON_PAY | Pay through Amazon accounts |
APPLE_PAY * | Digital wallet for Apple devices (requires CARD) |
CASH_APP | US-based digital payment app |
GOOGLE_PAY * | Secure payment platform by Google (requires CARD) |
PAYPAL | Online payments via PayPal accounts |
AFTERPAY | Buy now, pay later service |
KLARNA | European BNPL service |
APPLE_PAY and GOOGLE_PAY are wallet layers built on top of CARD. To make them work, you must also include CARD in the request.Payment Method Scopes
| Method | Active Geographies | Currency Rules |
|---|---|---|
| Card | Global | Any supported currency |
| Amazon Pay | US | USD only |
| Apple Pay | Global (except India) | Any supported currency |
| Cash App | US | USD only |
| Google Pay | Global (except India) | Any supported currency |
| PayPal | Global* | Initial charge in USD → then local currency inside PayPal flow |
| Afterpay | US and Canada | USD only (visible for amounts ≤ $4000) |
| Klarna | US and Canada | USD only |
The initial currency for PayPal needs to be USD on xPay. Once user enters PayPal’s flow, they can pay in their local currency. Watch demo
Details on Payment Methods
-
Cards (Default): This is the default payment method enabled for all xPay accounts. You can accept payments from major credit and debit cards such as:
Visa | Mastercard | American Express | Discover | Diner’s Club | JCB and many more. -
Wallets: Wallets allow your customers to pay using popular digital payment platforms. If you need to enable any of the following, please contact us:
Amazon Pay | Apple Pay | Cash App | Google Pay | PayPal -
BNPL (Buy Now, Pay Later): Let your customers split payments over time using BNPL services. Enable the following options upon request:
Afterpay | Klarna
By default, Cards are enabled. You can contact us at
hello@xpaycheckout.com to activate additional
payment methods based on your business needs.