Expay

Expay is purpose-built for companies operating across borders, offering a unified solution for handling payments in different currencies and regions. It allows merchants to accept a wide range of payment methods that are popular locally—such as regional e-wallets, bank transfers, and card networks—without the need to manage multiple integrations. This not only streamlines technical operations but also enhances the customer experience by offering familiar checkout options in each target market. Additionally, Expay automatically handles currency conversion, local compliance requirements, and regional settlement preferences, saving merchants time, money, and legal exposure. This makes it an ideal partner for fast-scaling businesses targeting global expansion.

Security is a critical priority for Expay, and the platform invests heavily in protecting merchant and customer data. It complies with PCI-DSS regulations, encrypts all data both in transit and at rest, and uses tokenisation to eliminate the need to store sensitive card information on merchant systems. Beyond technical encryption, Expay also uses AI-driven fraud detection that analyzes behavioural patterns and transaction histories in real-time to flag suspicious activity. These tools reduce false positives while significantly lowering the risk of fraud and chargebacks. The system is backed by continuous monitoring, internal audits, and a dedicated security team that proactively identifies and resolves vulnerabilities—ensuring that businesses can operate with full confidence in their payment infrastructure.

Absolutely. Expay supports a full range of recurring billing features that make it a solid option for subscription-based businesses, including SaaS platforms, content providers, digital tools, and membership services. Merchants can customise billing intervals (monthly, annually, or custom), set trial periods, enable automatic renewals, and even implement proration when users change plans mid-cycle. The recurring billing engine is fully automated, meaning merchants don’t need to manually trigger payments or manage invoices. Customers are notified about upcoming payments, and Expay handles payment retries and status updates. This helps reduce churn and administrative workload while ensuring a consistent cash flow for the business.

Refunds are managed directly through Expay’s merchant dashboard, where businesses can initiate full or partial refunds with just a few clicks. Expay retains the original transaction fee and applies a small administrative charge to cover operational costs. This transparent policy helps businesses plan refund scenarios without unexpected deductions. More importantly, the system is designed to process refunds quickly—typically within 24–48 hours—so that customers receive timely service and businesses maintain a positive reputation. In high-volume environments, the refund function can also be automated via API, allowing companies to embed refund logic directly into their service or support workflows.

Expay is designed to be developer-friendly, with a smooth onboarding and integration process that doesn’t require a large IT team. After the merchant completes registration and passes the KYC stage, they receive immediate access to integration documentation, API credentials, and dashboard tools. The integration itself is supported by SDKs for popular platforms like iOS, Android, and JavaScript, as well as server-side languages such as PHP and Python. Whether you’re a startup or an established business, the process can be completed in just a few days with limited downtime. Expay also provides sandbox environments for safe testing and offers direct support from its technical team if any customisation or troubleshooting is needed. This allows businesses to go live quickly while maintaining full control over the payment experience.