Verdict
- Best for
- Betting, Crypto and Dating merchants (Austria, Albania, Andorra and more).
- Skip if
- you need a provider with an independently verified licence, which isn't confirmed here yet.
- Open question
- Its settlement times are vendor-stated only — we have no independent data yet.
Trust scorecard
Trust score: 47 out of 100Elevated risk
- Risk: No verified license
- Strength: Independently verified
- Risk: Site offline
- 1 merchant review 1 positive, 0 negative
- Strength: No serious incidents on record
Providers cannot pay to change their score or ranking. How we score
A crypto-friendly neobank and payment solution offering IBAN accounts, OTC exchanges, and white-label on/off-ramp solutions for high-risk businesses.
Visit Xpaid website (opens in a new tab)Where it shines & where it fails
Where it fails
- Weakness: 1 incident on the record.
- Weakness: No independently confirmed licence yet.
- Weakness: Settlement terms are vendor-stated, not independently verified.
- Weakness: No merchant reports yet to corroborate its claims.
Company & Coverage
- Conversion rate
- up to 70%
- Integration
- API upon request; integration speed up to 7 days
Coverage45 countries
- Austria
- Albania
- Andorra
- Belgium
- Bulgaria
- Bosnia and Herzegovina
- Vatican
- United Kingdom
- Hungary
- Germany
- Greece
- Denmark
Claimed terms vs. merchant reports
| They say | Merchants report | |
|---|---|---|
| Settlement | T+1 | No independent data yet — report yours for settlement time (opens your email app) |
| Reserve | — | No independent data yet — report yours for reserve terms (opens your email app) |
Fee stack
Reputation & track record
- InfoPositiveMerchant-reported -Aggregated from merchant reports, not vendor-confirmed.
A customer review on Trustpilot praises Xpaid for its transparent, prompt, and professional payment service, recommending it to others.
Source
External mentions
1 public mention tracked · 0 negative, 0 neutral, 1 positive · monitoring since May 5, 2026
- trustpilot.comPraise
A customer review on Trustpilot praises Xpaid for its transparent, prompt, and professional payment service, recommending it to others.
Source
Frequently asked questions
Is Xpaid a legitimate payment provider?
On PSP Trust, Xpaid has a trust score of 47/100 (Elevated risk), built from structural signals, licensing checks and merchant-reported track record — shown in full above. No provider can pay to change its score.
Is Xpaid licensed and regulated?
We have not independently confirmed a licence for Xpaid. Treat any licensing claim as vendor-stated until it appears, verified, in the Licensing section above.
Which industries does Xpaid support?
Xpaid lists support for Betting, Crypto, Dating, E-commerce, Finance, iGaming, Nutra. High-risk pricing, rolling reserves and onboarding requirements vary by industry, so confirm the terms for your vertical.
How long does Xpaid take to settle funds?
See the fee stack and claimed-vs-reported sections above — we separate Xpaid's vendor-stated settlement and reserve terms from what merchants actually report.