Who we are
XPP is a payment products provider specialising in modernising payments.
When payments work perfectly, they're unnoticeable. When they don't, they're unforgettable for all the wrong reasons. We, at XPP, believe that payments should be the invisible threads that move you through your daily experiences, not barriers that interrupt them. Whether you're tapping onto public transport, grabbing coffee on campus, or making a quick purchase from a vending machine, the payment should just work: seamlessly, personally, and without you even thinking about it.
Modernising payments. But, what differentiates us is our recognition that "modernisation" isn't one-size-fits-all, and our deep financial expertise across the markets we serve.
We partner with our customers to help them define what payment modernisation means for them: in their market, with their unique challenges and opportunities. We serve as our customers’ guide to modernising their payment systems, creating seamless, frictionless payment experiences that are unnoticeable.
The 3 Trends Modernising
Payment Experiences
Personalised Payments
Imagine being automatically recognised as a student and having your discount applied instantly, or intelligent fare capping, and unified travel histories across all devices and public transit operators. Personalised payments transform anonymous transactions into experiences that remember preferences and adapt to how each individual uses your services.
Omnichannel Payments
Customers move between payment channels and methods without thinking about it, nor should they have to. Through our omnichannel payment and omni-loop payment solutions, we create unified payment experiences where customers are recognised everywhere and can choose their preferred payment method without losing personalised benefits.
Embedded Payments
The best payment is the one you don't notice. Embedded payments are invisible, contextual, and frictionless – like having your payment details saved in your Ride-Hailing App, like Uber and being automatically charged after your trip. When payments are truly embedded, they become an invisible part of the payment experience rather than an interruption to it.
In a world where every interaction is becoming more digital, personal, and connected, your payment experience shouldn't hold you back. It should be the silent force that moves you forward.
That's why we're here. To make payments so seamless, so personalised, and so perfectly embedded that your customers never have to think about them. So you can focus on what really matters, growing your business, serving your community, running your operations.
Get To Know Our Team
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Tom drives XPP’s strategic vision and growth, leveraging extensive experience in leadership roles within the technology sector. He specialises in digital transformation and business development.
Annika leads marketing strategies and brand development, known for her expertise in B2B marketing in tech and finance. She has driven significant market share growth.
Geert ensures efficient processes and high service standards, with a strong track record in operations management and strategy in multinational corporations.
Jesse enhances XPP’s technological infrastructure, with experience in software engineering and managing large-scale tech projects. He focuses on platform robustness and scalability.
Aissam leads product strategy and innovation at XPP, driving cohesion across its finance portfolio. With over a decade of experience in fintech, banking, and e-commerce, he brings clarity to complexity.
