Paytend vs Xpence

Manage your money and business, everything is in hand. Payend is an innovative fintech institution that offers banking accounts, card issuance, and acquiring services. As a company holding an EU EMI license (EMI LB000480), Paytend strictly adheres to the General Data Protection Regulation (GDPR) and the Payment Services Directive 2 (PSD2) of the European Union to ensure the privacy and security of user data. Get your SEPA account Apply online for your own SEPA account by using the Paytend App, your name, your own IBAN Transfer your Money globally The fastest single euro payment area payment within 1 minute by SEPA Instant SWIFT receipt and payment support your cross-border wire transfer in 37 currencies from 57 countries Global Money Transfer to China UnionPay Card without limit Exchange currencies at the real-time rate Mutual exchange of 37 currencies, real-time exchange rates, no exchange difference, and free of commission fee Get your Bank Card with clicks Visa Card, Master Card, online real-time card issuance, support global consumption and ATM withdrawal, make payments online and in-store. Business executive solution Cross-border e-commerce settlement, fast, efficient, and ultra-low commission fee. Paytend business account boasts a powerful system for gathering and transferring funds worldwide, capable of handling batch payments.

Streamline your business finances with Xpence - the GCC’s new way of business spending.
 Take control of your expenses with our award-winning platform:   -    Issue corporate cards in less than a minute and set customised controls
 -    Automate your bookkeeping and say goodbye to manual entries and expense reports -    Upload and store receipts in-app
 -   Transaction approvals are here to help ensure full compliance with company policies  We are PCI DSS 4 compliant which means we protect your data in accordance with the highest industry standards.   Ensure your business stays ahead with Xpence – download now! 

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