XPay by Xstack

XStak is a Pakistan-based fintech and retail technology platform that operates as an all-in-one omnichannel retail operating system, rather than a traditional wallet or lending app. It is designed primarily for businesses (especially e-commerce and retail brands) to manage payments, inventory, orders, and customer interactions from a single platform.

At its core, XStak combines payment infrastructure (via XPay), point-of-sale systems, order management, and analytics tools into one unified system. This allows businesses to run both online and offline operations seamlessly, while also handling digital payments across multiple channels.

SERVICES

• Payment gateway services (XPay): XStak provides an embedded payment solution that enables businesses to accept online and offline payments (cards, POS, and BNPL options) through a unified system.
• Omnichannel retail services: The platform allows businesses to manage both online and physical store operations, integrating multiple sales channels into a single system.
• Point-of-sale (POS) services: XStak offers a cloud-based POS system that allows merchants to process in-store transactions and manage retail operations without specialized hardware.
• Order and inventory management services: Businesses can track orders, manage inventory in real time, and synchronize stock across multiple locations and sales channels.
• Payment links and API services: Merchants can generate payment links and integrate APIs into websites or apps to accept payments digitally.
• Business intelligence and analytics services: The platform provides dashboards and insights on transactions, sales performance, and customer behavior.
• Warehouse and logistics management services: XStak includes tools for automating delivery processes, route optimization, and fulfillment tracking.
• AI and automation services: Businesses can use AI-powered tools for product recommendations, inventory forecasting, and customer engagement.
• Loyalty and customer engagement services: The platform enables businesses to create loyalty programs, promotions, and personalized customer experiences.

Countries