About XPay Life - Questions

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.

XPay.Life offers a full spectrum of Multi Utility Bill Payment through Touch Screen Kiosk, Web, iOS and Android Mobile App, POS Device and Mobile Van.

Our USP is Utility Bill Payment through Touch Screen Kiosk where we accept cash payment along with digital payment channels like UPI, Debit and Credit Card, Net Banking, and Wallets using Blockchain enabled most secured Payment Gateway XPay.Life.

Login - Questions

You can log in through Gmail, Facebook, Email Id, and Phone Number.

OTP is sent on registered phone number and Email Id. If you are not getting otp please click resend OTP button.

Please click on ‘forget password’ and a link will be sent on your registered email id. You can reset it by clicking on the link. Also, you can log in using your phone number.

If you have verified the email, you can’t change it.

Transaction - Questions

XPay.Life account makes payments amazingly easy. Just follow the steps given below.

- On the payment page, Fetch Your utility bill.

- Log in to your account.XPay.Life

- Use your xpay. life Points and/or saved cards, new cards, net banking to make the payment.


Debit card, Credit card, UPI, Netbanking, Cash, EMI, TPA Wallet, CUG Wallet.

We accept Visa, Master, Rupay and American Express

Please contact to support team support@XPay.Life or call @ +91 88843 56000

You can use in all your utility bill Payments in XPay.Life

Please contact our support team, and we will refund the amount within 3 days. info@XPay.Life

Yes, you can pay your all postpaid bill in XPay.Life and you don't have any purchase limit for recharges.

Referral Program - Questions

You can refer your friends and relatives and whoever contact with you

Yes. you can refer if you're having the referral code.

Yes. you can find referral link in the Xpay mobile app Refer and earn page.

No Limit has been specified yet.

Yes.you can track the status of your referrals. When the user referred by you Made the First transaction at that time xpay points added to your wallet.

No. Sorry you have to install once again with different Mobile number

No .Sorry you can only refer within India

Others - Questions

UPI, Rupay and Wallet no charges however credit/debit and netbanking charges will be applied as per market standard.

As postpaid will be secure one we gave first priority to that, maybe within 5-6 months prepaid offer will also be available in the future.

There are many offers available for different verticals (I, e postpaid bill, water bill, electricity bill, etc.) and also good cashback are available with this app, Refer and Earn offer is also available.

No, Adding money, transfer to bank facility is not available in XPay.Life CUG Wallet.

Please download our Mobile app (App store, Play Storage), POS App (M-Swipe Store), Kiosk and others (contact customer care).