embedded
Payments
Clients today want every transaction to be fast, easy, and safe. That's where frictionless payments come in. XPP's payment solutions make the payment process easier by removing conventional checkout barriers like manually entering card details, logging in, or even taking out a wallet.
Whether our payment products use embedded or seamless payment systems, the goal is the same: to provide a great client experience. Zero-friction payment solutions use technologies like contactless cards, mobile wallets, biometric authentication, and even invisible payments to make transactions almost too easy.
Frictionless Payments Made Simple
At XPP, we serve a variety of clients, from financial institutions to libraries, but one thing they all have in common is a desire for a seamless payment experience. Our products offer multiple solutions designed to fit your client’s needs.
Zero-Friction Payments using
XPP's Embedded Checkout
A great example of a seamless and embedded checkout experience within e-commerce platforms is the use of a hosted checkout that fully mirrors the merchant's environment. Merchants can embed a payment experience that allows customers to pay without any friction. This ensures speed, safety, and compliance without the burden of a complex integration and costly maintenance. For end-users, this means a smooth, secure checkout with no redirects, no visual disruption, and no need to re-enter payment details. It boosts confidence and reduces cart abandonment.
Make our platform your own.
Unlike typical shared platforms or white-label setups, where many merchants share the same backend infrastructure, XPP provides you with your own fully isolated environment with our Ginger e-commerce payment gateway. This means you get dedicated infrastructure, data segregation, and full control over how your payment pages look and behave. You can tailor the checkout experience to match your own branding or that of your customers, including logos, colour schemes, and typography. The hosted checkout can be styled to reflect your visual identity or that of the merchants you serve. The result is a clean, consistent payment experience with no design inconsistencies. It builds trust and increases conversion rates. Prefer to own the checkout end-to-end? Both you and your customers can also integrate directly using our APIs, giving you full control over the payment experience.
Plug and Play
Avoid long and complex integrations. XPP's hosted checkout is ready to use out of the box, delivering a secure and polished payment flow with minimal setup. Go live quickly without compromising on quality or compliance. The hosted checkout is adaptable to match your brand or your customers' look and feel, ensuring end-users enjoy a seamless and trustworthy experience every time.
Designed for Worldwide Development
Deliver a checkout experience that feels local, no matter where your end-users are located globally. XPP supports region-specific payment methods, such as iDEAL, Swish, and other local options, helping increase customer trust and conversion rates across different markets. Our platform adapts to local preferences ensuring familiarity for users worldwide.
Developer-Friendly Resources
Ginger is API-first, allowing you and your customers to integrate directly with our core services and fully embed payment functionality into your environments. This enables seamless, branded user experiences with complete control over the checkout flow. You can access developer tools that make integration straightforward while maintaining flexibility to customise every aspect of the payment experience.
Portal for Smart Merchants
Manage and grow your merchant base with ease using XPP's Merchant Portal. This powerful dashboard lets you create test accounts, monitor transactions, resolve disputes, and gain real-time insights into performance. Everything you need to support and scale merchants is at your fingertips. Would you prefer your current tools? You and your customers can integrate directly using our APIs, maintaining full control over data streams and platform capabilities
Zero-Friction Payments using
Embedded Solutions
Beyond e-commerce payment solutions, XPP also enables fully embedded payments in physical and shared-use environments. A leading example is KUARIO, our digital payment platform designed for managing cashless transactions in settings like schools, offices, universities, and public spaces.
Embedded Payment Solutions Made Simple
KUARIO enables users to pay for everyday services, like printing, vending and laundry, through a single, unified mobile app or web portal. By linking a preferred payment method, such as iDEAL, PayPal, credit card, or bank transfer, users can easily load funds into their KUARIO wallet or make use of our auto top-up function.
A Single Wallet, All Services
Use your chosen payment method to load money into your KUARIO wallet. It supports all major payment methods. You’ll be able to use your balance on any device or service point connected to KUARIO after it has been topped up.
Auto Top-Up
When your wallet falls below your predetermined threshold, KUARIO will automatically add money to it using Auto Top-Up. Select your trigger for low balance. Decide on your top-up amount, and link your payment method once.
Complete Demand, Within the App
You can alter your auto-top-up preferences at any time. With just a few taps, you can pause, modify, or disable the feature. It is designed for regular users who appreciate simplicity and speed, and it combines convenience and flexibility.
Find What Works Best For Your Business
XPP is proud to be an expert in embedded and seamless zero-friction payments. Our product suite is broad, which means we have experts in a variety of markets, from libraries to public transport. We work with you to determine the best level of integration for your company and its customers, as one size does not fit all.
