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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. Our USP is Utility Bill Payment through ATP Kiosk where we accept cash payment along with credit/debit cards. The online digital payment channels include payment through UPI, Debit and Credit Card, Net Banking, Mobile banking.

The payment through Xpay.Life is BBPS/NPCI assured and hence adds the trust and credibility to your payment. The payment service follows the highest standard of security through the AMBIC model. The acronym stands for Artificial Intelligence, Mobility, Blockchain, IoT and Cloud. Hence payment through the Xpay.Life is highly secure and credible.

Also, the payment is not confined only to the online modes, our ATP kiosk, PoS machine, and Mobile Vans facilitate bill payment by accepting cash as a bill payment mode and makes the transaction digital.

Credit Card, Debit Card, Net banking, Mobile Banking, cash, and QR codes

Instant Discounts are not Cash backs. Instant Discounts are applied while making a payment itself and its instant saving, It's an Artificial Intelligence based system which picks up the location, biller, bill amount, adaptability and other multiple factors to calculate the Instant Discount amount which varies from 2% Min till 100%.

Referral bonus is applied only after the 1st successful transaction done by the user who has been Referred. No Referral Points applicable if the 1st transaction is not done.

You can reach out to us on and phone number: 8884356000