Payment Methods

The table below provides a detailed breakdown of the available payment methods on xPay’s platform.

Category	Payment Methods
Cards (Default)	Visa, Mastercard, American Express, Discover, Diner’s Club, JCB
Wallets	Amazon Pay, Apple Pay, Cash App, Google Pay, PayPal
BNPL (Buy Now, Pay Later)	Afterpay, Klarna
EMI (Equated Monthly Installments)	Card Installments

Enum Name	Description
`CARD`	Credit and debit card payments (Visa, Mastercard, etc.)
`AMAZON_PAY`	Pay through Amazon accounts
`APPLE_PAY` *	Digital wallet for Apple devices (requires `CARD`)
`CASH_APP`	US-based digital payment app
`GOOGLE_PAY` *	Secure payment platform by Google (requires `CARD`)
`PAYPAL`	Online payments via PayPal accounts
`AFTERPAY`	Buy now, pay later service
`KLARNA`	European BNPL service
`CARD_INSTALLMENT`	Credit Card Installments (Equated Monthly Installments)

Method	Active Geographies	Currency Rules
Card	Global	Any supported currency
Amazon Pay	US	USD only
Apple Pay	Global (except India)	Any supported currency
Cash App	US	USD only
Google Pay	Global (except India)	Any supported currency
PayPal	Global*	Initial charge in USD → then local currency inside PayPal flow
Afterpay	US and Canada	USD only (visible for amounts ≤ $4000)
Klarna	US and Canada	USD only
Card Installments	Global	Initial charge in USD → then Customer from any geography can complete the payment (amount range $500–$10,000)

* The initial currency for PayPal needs to be USD on xPay. Once user enters PayPal’s flow, they can pay in their local currency. Watch demo

Cards (Default): This is the default payment method enabled for all xPay accounts. You can accept payments from major credit and debit cards such as:
Visa | Mastercard | American Express | Discover | Diner’s Club | JCB and many more.
Wallets: Wallets allow your customers to pay using popular digital payment platforms. If you need to enable any of the following, please contact us:
Amazon Pay | Apple Pay | Cash App | Google Pay | PayPal
BNPL (Buy Now, Pay Later): Let your customers split payments over time using BNPL services. Enable the following options upon request:
Afterpay | Klarna
EMI (Equated Monthly Installments): This is a proprietary payment method build by xPay which lets yout customers split their Credit Card payments over time. Enable the following upon request:
Card Installments

Full and partial refunds are supported on all payment methods. Refund windows vary by provider:

Provider	Refund Window
Cash App	90 days
Afterpay	120 days
Klarna, Amazon Pay	180 days
PayPal	24 months
Cards & derivative methods (wallets/installments)	~12 months (varies by issuing bank; later refunds commonly rejected)

Refunds past these windows will fail and must be reimbursed outside xPay.

By default, Cards are enabled. You can contact us at hello@xpaycheckout.com to activate additional payment methods based on your business needs.