Seamless Payments with Whatsapp & SMS.

Xcard lets you make free payments to just about anyone from all your bank accounts using Whatsapp & SMS.

A Radically Better Experience

Safe & touch-free payments to offline merchants.

Free money transfer from any bank account.

Quick access to your bank accounts via whatsapp/SMS.

‚ÄčPrivacy and Security with each Payment.

Your purchases and payment card data are private, completely hidden from all merchants. Xcard uses a unique transaction token to identify your data and authorise all transactions.

The Best for the Brightest.