xMoney Crypto & Card Payment Processing Platform

xMoney is a compliant, multi-method payment processing platform enabling merchants to accept payments from customers worldwide using credit and debit cards (Visa, Mastercard), mobile wallets (Apple Pay, Google Pay), 10+ digital currencies (BTC, ETH, EGLD, SOL, SUI, USDC, USDT, and more), and local payment methods—all from a single integration.

Payment Gateway

xMoney's core gateway offers a hosted, conversion-optimised checkout for one-time payments and subscriptions, as well as embeddable payment UI components for merchants who want to maintain their own site experience. Crypto payments settle in EUR, USD, or RON. All payments are protected by AI-powered fraud prevention, PCI DSS Level 1 compliance, SCA, and 3D Secure 2.0.

Recurring Billing & Subscription Management

Businesses can build and scale predictable recurring revenue through fully automated subscription management. The platform handles flexible billing plans, free trials, smart retry logic for failed payments, branded payment reminders to reduce involuntary churn, tokenised card storage, and crypto billing within subscription flows.

Payment Links

Merchants can generate instant, shareable payment links and distribute them via email, SMS, chat, or social media—without requiring a full website integration. Customers may pay in crypto or fiat; merchants choose their preferred settlement currency.

Marketplace Payments

xMoney provides end-to-end payment infrastructure for marketplace operators, including automated KYC/KYB seller onboarding, split payments to multiple vendors from a single customer transaction, automated payout schedules, and full financial reconciliation tooling.

Why Choose xMoney

Operated by Capital Financial Services S.A., a licensed Electronic Money Institution (EMI) regulated by the National Bank of Romania, and PCI DSS Level 1 certified with MiCA compliance, xMoney is trusted by 20,000+ businesses including Audi and Alternative Airlines. It is a principal member of both the Visa and Mastercard networks.