xPay offers an updated and upgraded international payment processing system, fit for today's global landscape.

2. xPay – Trivago for PSPs
Our intelligent search engine browses through all the best quotations
available from different PSPs (payment service providers) for
international payments and presents to customers at a single click to
choose from to make instant payments
Payment
Sender
Payment
Receiver
Plug-and-Play
application
PSP partners
PSP1
PSP2
PSP3
PSP4
Back end
systems

4. Customer Problems We Solve
1. Cost transparency
Payment
Capture
Cost
FX
Conversion
Costs
Payment
Fee
AML Cost
Correspon-
dent Fees
Cost
Foreign
Bank
Accounts
Cost
Reconcili-
ation Cost
Tracking
Cost
Supply
Chain
Integration
Cost
Payment
Fails Cost
Dispute
Resolution
Cost
Firms normally see these costs,
but still not 100% transparent
Solution: xPay gives customers total
transparency and control of all these
costs
Firms rarely see or appreciate
these costs
Problem: end to end costs of cross
border payments are often hidden
from firms

5. Customer Problems We Solve
2. Visibility of payments
Funds Sent
Funds
Matched
Currency
Converted
Payment
Executed
Payment
Leaves Bank
Account
Payment
Arrives at
Beneficiary
Sender Beneficiary
Funds arrived
Payment being
sent, expected
to arrive
DDMMYYYY
You have been
sent £xx by to
acct 1234 by
Company A
and should
arrive on
DDMMYYYY
for Invoice
XYZ. Click
here to confirm
to Company A
that funds
arrive.
Beneficiary B
has confirmed
arrival of funds
Payment XYZ
has left TCC
Confirmation

6. Customer Problems We Solve
3. Fees too high for low value transactions
SWIFT/wire transfers can be expensive for
low value transfers
Our partners use local in-country payments
via our global banking network
Wire Transfer Fee
$20-$45
Correspondent
Banking Fee
$10-$50
Cross border
taxes (for USD)
$0-$5
Landing Fee
$0-$10
Total costs
$40 to $110
per payment
Local Transfer Fee
from $0.50
Correspondent
Banking Fee
$0
Cross border
taxes (for USD)
$0
Landing Fee
$0
Total costs
from $0.50
per payment

7. DAY ONE
FC logs into SAP
Financials & notes
foreign invoices to be
paid
Logs out of SAP
Requests Treasury
buy currency to
cover invoices
Treasury log into FX
Platform (e.g.
Western Union)
Treasury Buys/Sells
appropriate currency
& logs out
FC Logs into online
banking and makes
payment to Western
Union
FC waits for
purchased currency
to arrive
DAY THREE
Foreign currency
funds arrive from
Western Union
FC Logs into online
banking, sets up
foreign payments for
approval
FC Logs out of
online banking
FD logs into online
banking
FD approves
payments and
initiates foreign
currency Payment
FD logs out of online
banking
FC logs into SAP
Financials
FC marks invoices
as paid
Reconcile payments
and invoices in all
systems
• Integrated applications reduce
time, cost, complexity and risk to
achieve automated straight
through processing of
international payments.
Logon to
xPay
Make
Payment Log out
Example incumbent workflow With xPay
Complexity
4. Solves a fragmented and disjointed workflow for international
accounts payable

8. xPay offers Flexibility & Global scale
Now customers can register with xPay and route their payments to
any of the PSPs on our platform.
PSP3
PSP1
PSP2

9. Cost & Time saving estimates
Volume of payments in $ Cost savings compared to
Bank charges in $ (40-60%)
50,000.00 1,000 to 1,500
600,000.00 12,000 to 18,000
1 MM 20,000 to 30,000
5 MM 100,000 to 150,000
Note:
- The above estimates are high-level estimates and not to be taken for granted
- The charges vary considering the currency pair and the countries under
consideration
- In some cases the savings could be even more than what is projected here
Using xPay the amount will be credited to beneficiary on the same day or
event instantly as per the need. In case of banks it is typically T+2 days.

10. Thank You