Next-Gen Payment Platform for Sri Lanka

Accept payments anywhere. Settle instantly.

Power your business with high-speed Visa, Mastercard, and LANKAQR checkouts. Issue no-code payment links, automate subscription billing, and enjoy guaranteed automated bank payouts.

Create Free Merchant Account Explore API Docs
VERIFIED

Card Number

•••• 4242

LKR 18,500.00

INSTANT SETTLEMENT

Rs. 320,000

Direct Bank Transfer

Payments Dashboard Preview
TRUSTED PAYMENT ECOSYSTEM INTEGRATIONS
Visa Mastercard LANKAQR Dialog Genie HelaPay All SL Banks (CEFT)
All-In-One Solution

Discover X-Pay Business

Welcome to X-Pay Business, the hub of Sri Lanka's business community. We're more than just a payment solution; we're your partner in growth and success.

Our all-in-one fintech platform offers not only the convenience of Tap to Pay, QR, and online transactions, but also empowers your venture with essential tools like instant payment links, recurring subscriptions, and multi-currency pricing. Beyond that, we're here to nurture a thriving, connected business ecosystem.

Get Started Now Explore Products
X-Pay
Business
Payment Link
E-Store
QR Code
Internet Payment Gateway (IPG)
Billing Services
Direct Payouts
Product Suite

Our Products

X-Pay
Pay Link Active
Rs. 4,500
Pay Now

Payment Links

Secure, easy-to-use payment option; send links to customers for hassle-free remote transactions via WhatsApp, SMS, or email.

Learn More
PAID SUCCESS
•••• 4242

Internet Payment Gateway (IPG)

Secure and versatile, the IPG facilitates online transactions, supporting the e-commerce needs of modern digital businesses.

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X-Pay Hub
LKR USD EUR
Global Settle Engine

Multi-Currency Pricing (MCP)

Enhance your global reach with Multi-Currency Pricing, allowing seamless transactions in various currencies for an expanded customer base.

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LANKAQR
Scan & Pay Instant

LANKAQR Instant Mobile Pay

Enable instant, zero-contact QR payments through any Sri Lankan mobile banking app with immediate status notifications.

Learn More
RECURRING
Auto-Bill
Monthly / Yearly Cycle

Recurring Subscriptions

Configure recurring plans to automatically bill clients on custom schedules with automated retry logic and payment notifications.

Learn More
USD $ LKR Rs. EUR €

Receive payments from anywhere in the world

Tap into a global customer base and get paid directly into your bank in days!

  • Seamless international and local cards acceptance with 3D-Secure 2.0
  • Transparent conversion into LKR with automated CEFT bank settlements
  • High checkout completion rates with smart routing and instant authorizations
Open Merchant Account
ONLINE STORE CHECKOUT

Building your E-Store has never been easier

Establish your online presence with X-Pay E-Store and Internet Payment Gateways!

  • Quick integration for WooCommerce, Shopify, custom PHP, and Node.js
  • Fully customizable checkout interface styled with your brand logo
  • Instant asynchronous webhooks to trigger automated store shipments
Explore Integration Docs
Live Interactive Demos

Test the checkout experience right now

Try both our Card Terminal simulation and the Instant Payment Link creator below.

1. Live Card Terminal Demo

Fill in a checkout amount below and click the button to trigger a secure simulated transaction interface.

Payment gateway transaction demo
Rs.

Ready for payment authorization

Enter transaction amount and click checkout above.

PLATINUM DEBIT
X-PAY

5412 •••• •••• 9988

Cardholder SIMULATED MERCHANT
Expiry 12/30

Rs. 1,500.00

Payment Successful!

Transaction verified. Redirecting webhook feedback.

2. Instant Payment Link Generator

Simulate the no-code checkout flow. Generate a custom link and test what your clients will view.

Instant payment link creator
Developer First

Integrate our API in minutes

Connect our payment API with just a few lines of code. Configure webhooks, create client credentials in sandbox mode, and trigger instant callbacks for successful transactions.

  • Clean JSON RESTful API
  • Asynchronous webhook notifications (IPN)
  • Real-time payment verification endpoint
Generate API Keys Full API Reference
curl
curl -X POST https://x-pay.lk/api/create-payment.php \
  -H "Content-Type: application/json" \
  -d '{
    "client_id": "YOUR_CLIENT_ID",
    "client_secret": "YOUR_CLIENT_SECRET",
    "amount": 1500.00,
    "reference": "ORDER-98421",
    "return_url": "https://yourwebsite.com/callback"
  }'
<?php
$payload = [
  'client_id' => 'YOUR_CLIENT_ID',
  'client_secret' => 'YOUR_CLIENT_SECRET',
  'amount' => 1500.00,
  'reference' => 'ORDER-98421'
];

$ch = curl_init('https://x-pay.lk/api/create-payment.php');
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_POSTFIELDS, json_encode($payload));
curl_setopt($ch, CURLOPT_HTTPHEADER, ['Content-Type: application/json']);
$result = json_decode(curl_exec($ch), true);
header('Location: ' . $result['data']['payment_url']);
?>
const response = await fetch('https://x-pay.lk/api/create-payment.php', {
  method: 'POST',
  headers: { 'Content-Type': 'application/json' },
  body: JSON.stringify({
    client_id: 'YOUR_CLIENT_ID',
    client_secret: 'YOUR_CLIENT_SECRET',
    amount: 1500.00,
    reference: 'ORDER-98421'
  })
});
const result = await response.json();
window.location.href = result.data.payment_url;
import requests

res = requests.post(
  'https://x-pay.lk/api/create-payment.php',
  json={
    "client_id": "YOUR_CLIENT_ID",
    "client_secret": "YOUR_CLIENT_SECRET",
    "amount": 1500.00,
    "reference": "ORDER-98421"
  }
)
checkout_url = res.json()["data"]["payment_url"]
print("Payment session:", checkout_url)
Transparent Pricing

Plans built for businesses of every scale

Choose a billing package that matches your transaction frequency. Switch or cancel anytime.

LITE

Free (No Monthly fees)

Rs. 0 / month
  • Processing Fee: 3.50%
  • Automated same-day bank payouts
  • Unlimited payment links & QR generation
  • Sandbox testing environment
  • REST API & Webhooks access
  • 24/7 dedicated support desk
Get Started Free
MOST POPULAR

PLUS

Ideal for growing businesses

Rs. 3,990 / month
  • Processing Fee: 3.00%
  • Automated same-day bank payouts
  • Unlimited payment links & QR generation
  • Sandbox testing environment
  • REST API & Webhooks access
  • 24/7 dedicated support desk
Get Started Free

PREMIUM

Best rates for high volume

Rs. 9,990 / month
  • Processing Fee: 2.70%
  • Automated same-day bank payouts
  • Unlimited payment links & QR generation
  • Sandbox testing environment
  • REST API & Webhooks access
  • 24/7 dedicated support desk
Get Started Free

We're Ready
When You Are

Get started with ease. X-Pay streamlines your setup process, eliminating the need for extensive paperwork or complicated business registration. You can have your business ready within minutes.

Start Now
X-Pay
Business
Live Gateway Session
Rs. 25,400.00
● All Systems Ready
Got Questions?

Frequently Asked Questions

Everything you need to know about setting up and using our gateway.

How fast are payouts settled into my bank account?
Payouts are processed automatically and transferred directly into your nominated Sri Lankan commercial bank account via CEFT network. Settlement usually reflects within the same business day.
Which cards and payment methods are supported?
We support Visa, Mastercard credit and debit cards, Dialog Genie, HelaPay, and all LANKAQR-compatible mobile banking applications (Commercial Bank, Sampath Vishwa, Bank of Ceylon, HNB, FriMi, etc.).
Can I accept payments without writing any code?
Yes! With our No-Code Instant Payment Links feature, you can generate custom payment links from your merchant dashboard and share them directly with customers over WhatsApp, SMS, or Social Media.
What documents are required for KYC verification?
Individual and registered business owners simply need to upload a valid National ID / Passport, Business Registration (BR) certificate (if applicable), and bank account confirmation document via the Merchant KYC tab.
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