About XREDIT

We make payments the easy part.

Merchants shouldn't need a finance degree to understand their processing statement. XREDIT exists to make payments simple, transparent, and human.

XREDIT co-founders Davit (left) and Jake (right) smiling together on a couch

Our story

Built by business owners who got burned

XREDIT started with two friends from college, Davit and Jake, who couldn't stop starting businesses. In nearly every one, getting paid turned into one of our biggest headaches.

We signed merchant account agreements that looked fair, then got hit with fees nobody explained, rates that crept up, and fine print we never saw coming. More than once we were taken advantage of, and no one could tell us what we were actually paying.

So we built the partner we wished we'd had. Our goal is simple: no business owner should ever have to wonder whether they're overpaying. And we want to welcome every merchant who's ready to grow their dream business. Payment Processing, Simplified.

Every fee, explained

We walk you through every fee before you sign.

What fits, not what pays us

We recommend what's right for your business, not what pays us most.

Here after go-live

We answer the phone and stay with you long after setup.

Compliant as rules change

We help you stay compliant as card brand rules change.

What we stand for

How we work with every merchant

Pricing you can read

We walk through every line of your statement and explain exactly what you pay and why.

People, not phone trees

You get a dedicated contact who knows your business, not a ticket number.

Set up for you

We handle the application, equipment programming, and integrations so you can keep selling.

Built for every business

From a single food truck to multi-location retail and high-risk merchants.

Let's build something simple together.

Book a free 30-minute call. Bring a recent statement and we'll show you exactly what you're paying and how to pay less.

Let's Talk How pricing works