XPAY is a lifestyle e-wallet that aims to transform the way consumers transact on a daily basis. XPAY App allows its users to simplify the payment process. Coalescing lifestyle needs and cutting-edge digital technology, with XPAY, the consumers can easily make payments for the goods purchased and services rendered easier, faster and safer. Quick recharge and easy payment of various utility bills makes XPAY more users friendly and on top of that consumers can also transfer the small value fund to the consumers within XPAY providing a more rewarding experience for consumers.