Welcome to our website! We use cookies to enhance your experience. View our Privacy Policy for more information.
Accept
Deny

Empower your business in the digital economy with a financial ecosystem.

Accept global payments, manage finances, split transactions and issue cards—all in one unified platform.

Start Now
Contact Sales
The image shows three people sitting together in a modern workspace, each holding a phone or a laptop. In the foreground, a variety of payment method logos are visible, including XMoney, Bitcoin, Visa, Google Pay, Apple Pay, and more.
Trusted by leading businesses worldwide.

Secure and reliable payments for merchants across Europe

Accept payments, split payouts, issue branded cards, and manage finances—all in one seamless platform.

Principal member of

Fully Licensed

Licensed Electronic Money Institution, regulated by the Bank of Romania. MiCA compliant.

Enterprise-Grade Security

PCI DSS Level 1 Certified - ensuring the highest level of security & compliance.

AI-Powered Fraud Prevention

Advanced fraud detection and prevention powered by artificial intelligence.

Secure Transactions

SCA & 3D Secure 2.0 for safer, more reliable payments.

Your one-stop shop for future-ready payments. Fully compliant

Get Started
A cheerful woman at a retail counter holds a wine bottle while interacting with a cashier. A point-of-sale tablet with a QR code is visible on the counter, and another person stands beside her holding a shopping bag.
A person in a rust-colored sweater holds a smartphone displaying a payment screen, next to a tablet showing an online checkout summary on a gray countertop.
A woman in a white lace dress stands at a table, holding a smartphone and smiling in a softly lit, purple-toned environment with decorative lights and plants in the background.
Person using a laptop to fill out a digital invoice form on a sleek interface with a purple sidebar menu. The form on the screen includes fields for customer and payment information. The person has a ring on their left hand, and the setting appears to be a modern, well-lit indoor space with a glass wall in the background.
Smiling woman with vibrant purple hair, wearing a light pinstripe blazer, holding a coffee cup in one hand and a smartphone in the other. She is standing in front of a lush green vertical garden, creating a fresh and modern atmosphere.
A cheerful woman at a retail counter holds a wine bottle while interacting with a cashier. A point-of-sale tablet with a QR code is visible on the counter, and another person stands beside her holding a shopping bag.
A person in a rust-colored sweater holds a smartphone displaying a payment screen, next to a tablet showing an online checkout summary on a gray countertop.
A woman in a white lace dress stands at a table, holding a smartphone and smiling in a softly lit, purple-toned environment with decorative lights and plants in the background.
Person using a laptop to fill out a digital invoice form on a sleek interface with a purple sidebar menu. The form on the screen includes fields for customer and payment information. The person has a ring on their left hand, and the setting appears to be a modern, well-lit indoor space with a glass wall in the background.
Smiling woman with vibrant purple hair, wearing a light pinstripe blazer, holding a coffee cup in one hand and a smartphone in the other. She is standing in front of a lush green vertical garden, creating a fresh and modern atmosphere.

All you need to do business worldwide

Unlock new markets and scale faster with access capital and growth opportunities. All in one seamless platform.

Payments

Accept and optimise payments, globally

Accept payments worldwide in multiple currencies with multiple payment methods, including cards (Visa, MasterCard), mobile wallets (Apple Pay, Google Pay, Click2Pay), digital currencies, and local methods.
All from one streamlined system.

Digital checkout interface showing payment options including Apple Pay, Google Pay, and card payment fields for Visa and Mastercard. The screen also displays a shopping cart with jewelry items and an order summary on the right.

Checkout

A pre-built, conversion-optimized payment form. Use our hosted page to accept one-time payments or subscriptions.

Start Automating

Payment UIs

Embed customizable payment elements into your website while maintaining top security.

See Dashboard

Crypto Payments

Accept crypto payments (BTC, ETH, EGLD, SOL & more) and regional methods with ease.

Start Accepting Crypto

Recurring Billing

Build and scale your predictable revenue model

Unlock scalable recurring revenue with xMoney's robust subscription management solutions.

Start accepting payments
User interface for managing subscriptions, showing a form to create a new subscription with fields for name, amount, currency, and billing interval. Next to it are two subscription plans: "Premium" for 24€/month for up to 5 users, and "Vision AI" for 50€/month with unlimited users, each with a purple "Subscribe" button.

Fully Licensed

Easily launch flexible plans and free trials with API-powered subscription tools.

Management

Reduce churn automatically with smart retries and branded payment reminders

Recurring Billing

Automate billing workflows and recover missed payments—without the need for manual follow-up.

Fully Licensed

Keep customer data safe with tokenized cards and full PCI DSS compliance reducing liability risks.

Payment Links

Share a link, get paid in your currency of choice

Generate simple payment links to share anywhere—email, chat, or socials. No site required.

Discover Payment Links
A woman with vibrant purple hair and a white blazer holds a coffee cup and looks at her phone while smiling. On the right, a chat conversation shows her asking if her custom earrings are ready. The response confirms they are ready and includes a payment link with an image of silver earrings featuring purple gemstones labeled "Galaxy Earrings."

Create a link

Easy configure your payment link directly from the dashboard.

Share the link

Send it via SMS, email, chat, or any other medium.

Get paid

They pay. You get paid the the currency you choose. It’s that simple.

Invoices

Invoice anyone, anywhere

Generate invoices in minutes using xMoney’s dashboard or API—and track every payment with ease.

Start accepting payments
A person types on a laptop displaying an online invoice creation form. The screen shows fields for customer information, billing address, and payment details within a dashboard interface that has a purple sidebar. A small plant and a closed notebook are on the white table nearby.

Quick Invoicing

Create and send invoices in minutes, streamlining the billing process.

Comprehensive Solutions

Manage expenses, payroll, and reimbursements seamlessly using crypto.

Flexible Payment Options

Clients can pay invoices with their favourite digital currency, ensuring flexibility.

Free setup

No border or hidden charges, ensuring minimal transaction costs.

Marketplaces

Drive marketplace growth with a complete solution

Simplify payment processing and optimize financial operations.

Illustration of a payment flow diagram showing a female customer sending money to a central “Marketplace,” which then distributes funds to four merchants labeled Merchant 1 through Merchant 4.A smiling man in glasses and a light-colored shirt sits at a desk using a laptop, with a warmly lit home or office background and a takeaway coffee cup in the foreground.

Onboarding

Quickly onboard new sellers with automated KYC/KYB and a seamless account setup.

Payment Flows

Effortlessly manage complex transactions, including split payments to multiple vendors.

Automated Payouts

Set predefined rules or schedules to automate payouts for sellers and vendors.

Reconciliation

Gain full financial clarity with easy transaction tracking and reconciliation tools.

API & Developer Tools

Integrate xMoney seamlessly with robust APIs and customizable payment workflows.

Cards

Cards Issuing

Take control of your funds and branding by issuing your own customized cards.

Physical and Virtual Cards

Issue both physical and virtual cards for various use cases.

Branded Cards

Reinforce your brand identity with your logo and design on your cards

Customizable Features

Effortlessly manage complex transactions, including split payments to multiple vendors.

Mobile Wallet Provisioning

Enable cardholders to add cards to Apple Pay and Google Pay for secure payments.

Streamlined Processes

Streamline payouts, expenses, and business spending effortlessly.

Increased Flexibility

Gain greater control and flexibility over your finances with your own branded cards.

Explore Cards
A smartphone screen displays a digital wallet app titled “My cards,” showing a virtual card with a purple design and Mastercard logo. Below it are color options for customization (Purple, Lime, Plum, Blue), and tags for selecting Physical Card, Virtual Card, or Custom Design. Decorative plants are placed beside the phone on a pastel green background.

Trusted by startups and global enterprises alike

Over 5,000+ businesses of all sizes use xMoney solutions to scale their commercial operations

xMoney works great, it's fast and with low fees. Their dashboard is very simple and intuitive and their payouts have always been prompt.

Mihai Rad
Founder, Bullseye

xMoney dedication to excellence and commitment to innovation have truly made a difference in our partnership. Thank you for consistently going above and beyond to ensure our success

Keith Abela
AK Private Jets

The xMoney platform is easy to use and the reporting feature is the best I have used in this crypto payment space. It makes it very easy to invoice my clients in USD and for my clients to pay in crypto.

Rob
Spinach

When you’re working with such innovative technology, it is important to have partners that are not only technologically strong but also share your vision of the future.

Mani Honigstein
Co-founder, Upland
A woman in a textured white sleeveless dress smiles while holding a smartphone in one hand and a credit card in the other. The background is lit with purple lighting and plants. On the left side, colorful tags label different business types: Startups, Enterprises, E-Commerce, and Marketplaces.
Learn more about our products

Join 5,000+ businesses already growing

We build and integrate solutions. You grow with xMoney

Sign Up
Contact Sales
Three professionals sit around a table, smiling and interacting with a smartphone and a tablet. They appear to be engaged in a friendly conversation or collaborative meeting in a modern, purple-lit office or coworking space.