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Fintech · QR payments and billing · Bosnia and Herzegovina
QR payments for every business that issues a bill
Shops, service businesses, utilities, landlords, webshops, restaurants and cafés: every invoice, receipt or order gets a QR code. The customer scans it and confirms the payment in their own banking app, the money goes straight to the merchant's bank account by instant transfer, and XPay matches the incoming payment to the invoice, order or bill it belongs to. No terminal, no percentage of turnover, no third party holding the money.
- Invoices with a payment code, recurring billing and bank statement matching for services, utilities, landlords and professionals
- On-screen register and stock for shops, a code on the checkout page and a webhook for webshops, a POS connector for existing software
- Table ordering, kitchen display and staff sign-in for restaurants and cafés
- Public API and signed webhooks; white-label programme for banks
0%
of the merchant's turnover. Flat monthly plans, from free.
7
business types: shops, services, utilities, landlords, webshops, large billers, hospitality.
100%
of the money stays between the customer's bank and the merchant's.
24/7
automatic matching of payments to bills, orders and invoices.
How a payment flows
- 1The customer scans the code on the invoice, receipt, checkout page or table
- 2Their banking app shows the amount and reference, they confirm
- 3The bank transfers the money to the merchant's account
- 4XPay sees it on the statement and closes the bill
Projects Delivered
Uptime SLA
Active Clients
Industries Served
Built for Scale,
Engineered for Excellence
Every solution we build is designed to handle millions of users, withstand enterprise workloads, and adapt to evolving business needs.
Learn More About UsAI-Driven
Intelligent systems that learn, adapt, and optimize in real-time.
Auto-Scaling
Infrastructure that scales seamlessly with demand spikes.
Enterprise Security
SOC 2 compliant with end-to-end encryption and audit trails.
Blazing Fast
Optimized for sub-100ms response times globally.
What Our Clients Say
"Our old booking system was falling apart every weekend and we needed it rebuilt from scratch. They delivered about two weeks ahead of the date we agreed and the new platform has now run for over a year without a single outage. When we needed a small change in the pricing logic in the spring, it was done in two days."
Marko T.
Operations Director, Hospitality Sector
"They took over our whole server setup and automated the deployments. A release used to take us most of an afternoon and now it takes a few minutes and nobody has to stay late. Whenever something comes up I write to them on WhatsApp and get an answer the same day, usually within the hour."
Ahmed H.
Founder, E-Commerce Platform, Dubai
"We hired them for a custom CRM with lead scoring built in. It was not a simple project and there were a few points where we changed our minds halfway through, but they kept the weekly calls, told us honestly what each change would cost in time, and the finished product does exactly what our sales team needed. We have since asked them for two more things."
Lisa S.
Head of Sales, B2B SaaS Company, Vienna
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