XPay.Life Features

PoS Device
Mobile Van
Touch Screen Kiosk

About XPay.Life

XPay.Life is expanding the bill payment sector by facilitating Full-spectrum bill payment through the Mobile App, Web, ATP (Any-Time-Payment) Kiosk, PoS machines, and Mobile Van. The name of XPay.Life denotes the importance it provides for secure transactions and to make life simpler through its innovations. The X in box design represents Blockchain and stands for our Brand Parent Company XIPHIAS.

XPay.Life facilitates bill payment for the categories of Electricity, Water, Gas (Piped and LPG), Telecom (Landline, Mobile and Broadband), DTH, Insurance, Loan repayment through EMI, FASTag, School Fees, Mobile Prepaid, Cable TV. In short, it facilitates all recurring payment categories.

About us

How it Works?

  • Get On-board

    Register with us to become a franchise and trusted partner

    Fill the Registration Form

    One step registration with our official business portal. Start registeration now

    Upload the Documents

    Are you tired of pen and paper work? Get rid of it by submitting documents online.

  • Complete Verification Process

    You are required to complete all of the following steps to verify your account. Once all your details have been verified, you will receive an email confirmation.

    Document Verification

    Your document will be verified by our On-boarding team.

    Mobile Verification

    You will get a KYC verification call from our on-boarding team.

    Welcome Kit

    Post KYC you will receive a Welcome Kit. Welcome kit will include App installation link and username.

  • Install the XPay.Life Business App

    Congratulation for choosing the most secured and M-PIN enabled App.

    Install the App

    Click on the App installation link received in Welcome Kit.

    Device and Login Verification

    • Enter Username
    • EnterPasscode
  • Activate Your XPay.Life Account

    You are One-step away from expanding your business with XPay.Life.

    XPay.Life Account Credit Request

    You can send your first deposit to get a credit in your XPay.Life Account as mentioned in the Welcome Kit.

    Submit the Receipt On MyAccount

    Submitting diposit receipt is compulsory to get credit in your XPay.Life Account. For Example- Bank Deposit Receipt, NEFT, RTGS, IMPS, UPI Transfer etc.

  • Start Making Transactions to Receive Commissions:

    Once your device and Login has been verified you can add funds into your account and begin transactions.

    First/Test Transaction

    Initiate your First / Test transaction to understand the feel of the process.

    Get Loyalty Point on Each Activity

    Earn loyalty points for every transaction you make on the device.

    Check Commission Report

    Check your merchant Dashboard for commission earned.

  • XPay.Life MUBS

    Expand your business with XPay.Life MUBS (Multi-User Billing System) and earn more commissions.

    Master Franchise

    Lead your business with XPay.Life Business Franchise, where all your shops, business centers and Sales points will be connected to the Master Franchise.


    Connect all your shops and branches with your Master Franchise.

    Franchise Sales Agent

    Your Sales Agent can login to any of the devices assigned to Master Franchise.


Business Growth Insights

  • Powerful Dashboard to view received payments in a single window
  • View daily bank settlements
  • User profiles
  • Monthly growth suggestions
  • Offer Dashboard
Go to Dashboard



There are two ways to become a XPay.Life Franchise:-
  • You can apply for a Franchise on business.xpay.life portal and our on-boarding team will check your criteria to become a Franchise.
  • Our on-boarding team and AI Robots are continuously monitoring the criteria for all the customers. Once the criteria is met, you will be acknowledged by the on-boarding team.
XPay.Life Business App download link is part of Franchise Welcome Kit. Please go through our on-boarding process to get Welcome Kit.
Open XPay.Life Business App and go to MyAccount section. Reload Funds in XPay.Account.
Yes, it is meant for business only.
Yes, Life is India's 1st Blockchain based transaction framework that comes with enhanced security and faster settlement of payment.

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