Xpate provides a unified payment and banking platform that combines invoicing, multi‑currency payment acceptance, and cash‑flow management. Businesses receive individual IBANs for local and global collections, with automatic reconciliation, real‑time exchange, and analytics to monitor liquidity and optimize working capital.
Funding
Funding not disclosed
Founders
Product
Problem
Businesses often need to manage invoicing, payment collection, and cash flow across multiple banks and currencies, which can involve fragmented tools, high transaction fees, and complex reconciliation processes.
Solution
Xpate offers an integrated payment and banking hub that consolidates invoicing, payment acceptance, and cash‑flow management into a single platform. Users receive unique individual IBANs to collect payments locally and globally, while the system supports instant currency exchange and cross‑border transfers. The platform automates reconciliation by linking incoming payments directly to issued invoices, providing real‑time visibility of cash positions. Built‑in analytics help businesses monitor receivables, forecast liquidity, and optimize working capital without needing separate banking relationships.
Target Audience
Xpate targets small to mid‑size enterprises, SaaS providers, and e‑commerce merchants that require a unified solution for invoicing, multi‑currency payments, and cash‑flow oversight.
Features
- Individual IBAN accounts for each business, enabling local and international payment receipt
- Global transfer capabilities with competitive fees and real‑time tracking
- Integrated currency exchange allowing automatic conversion at market rates
- End‑to‑end invoicing workflow that ties payments to invoices for automatic reconciliation
- Cash‑flow dashboard with real‑time balance updates, receivable aging, and forecasting tools
- API and webhooks for seamless integration with accounting, ERP, and e‑commerce systems