XPay is a digital wallet mobile app and a reloadable debit card that allows you to make purchases locally and abroad, pay bills, and send money to other XPay users. You also get a virtual prepaid VISA account that you can use to pay like you would a credit or debit card.

You can also get an XPay physical card that you can link to the app and use to pay in stores that accept credit and debit cards, or to withdraw at ATMS here and abroad.