Who we are
XPP is a payment products provider specialising in modernising payments.
When payments work perfectly, they're unnoticeable. When they don't, they're unforgettable for all the wrong reasons. We, at XPP, believe that payments should be the invisible threads that move you through your daily experiences, not barriers that interrupt them. Whether you're tapping onto public transport, grabbing coffee on campus, or making a quick purchase from a vending machine, the payment should just work: seamlessly, personally, and without you even thinking about it.
We modernise payments through our deep financial expertise and clear understanding that modernisation isn't one-size-fits-all.
We work alongside our customers to define what payment modernisation means for them — within their market, their challenges, and their opportunities. We serve as their guide, helping them modernise their payment systems to create seamless, frictionless experiences that feel effortless and drive growth and efficiency.
The 3 Trends Modernising
Payment Experiences
Personalised Payments
Imagine being automatically recognised as a student and having your discount applied instantly, or intelligent fare capping, and unified travel histories across all devices and public transit operators. Personalised payments transform anonymous transactions into experiences that remember preferences and adapt to how each individual uses your services.
Omnichannel Payments
Customers move between payment channels and methods without thinking about it, nor should they have to. Through our omnichannel payment and omni-loop payment solutions, we create unified payment experiences where customers are recognised everywhere and can choose their preferred payment method without losing personalised benefits.
Embedded Payments
The best payment is the one you don't notice. Embedded payments are invisible, contextual, and frictionless – like having your payment details saved in your Ride-Hailing App, like Uber and being automatically charged after your trip. When payments are truly embedded, they become an invisible part of the payment experience rather than an interruption to it.
