# xpate — Payment Provider

xpate runs a payments and business-account platform that connects to direct SEPA and card acquiring rails. Merchants get card acceptance, local payment methods, payment links, and recurring billing, along with multi-currency accounts and named IBANs. It also handles FX and global, mass, and card payouts. Its EEA entity, xpate SIA, is licensed by Latvijas Banka as an electronic money institution. Group entities are also authorised in the UK (FCA) and Singapore (MAS).

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** Fintechs, platforms, and online merchants, including iGaming, forex, and crypto businesses, that want card acquiring, multi-currency IBAN accounts, and payouts from one provider.
- **Categories:** baas, crypto, high-risk, traditional
- **Countries served:** 3 (GB, LV, SG)
- **Payment methods:** bank_transfer, mastercard, payment_link, sepa, visa

## Legal & compliance

Legal entities:
- SIA ''xpate" — Latvia — licenses: E-Money Institution, LV, FCMC
- xpate ltd — United Kingdom — licenses: E-Money Institution, GB, FCA

2 license numbers and 2 register records (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/xpate#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=xpate&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/xpate

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)