Use the Domestic Money Transfer feature to seamlessly transfer money from any to any bank account in India. Your retail outlet and business can function with ease as an extension of the bank to seamlessly transfer money through official banking channels and earn money at the same time! To use XPay Life you just need an Internet connection, an Indian bank account, and an Indian phone number. The best part is you can send money to someone's bank account directly even if the receiver is not on XPay Life with a zero cost.