Xpress-pay

What Xpress-pay does

Xpress-pay, operated by Systems East, Inc. and founded in 2005, is a cloud-based digital bill payment and electronic payment processing platform. The platform is PCI DSS Level 1 certified and enables merchants and organizations to accept credit card and ACH/eCheck payments via web, mobile, text/email invoicing, QR code, and interactive voice response (IVR). Its modular suite includes Instant Invoices, eBill Presentment (EBPP), xFrame iframe embedding, Global aXcess API, the Xpress-pay Digital Wallet, Xpress-pay Valet for retail, POS integration, and QuickBooks Online Connect. The platform supports multi-gateway connectivity (Authorize.net, TSYS, Worldpay, Converge, Forte, iStream) and exposes both iframe and real-time API integration paths to third-party software partners.

The company's commercial anchor is its proprietary Site Fee Program, which separates transaction costs from merchant funds and passes a configurable fee to the consumer (3.0% + $0.45 per card transaction; $2.95 per eCheck). This allows merchants to offset or eliminate credit card and ACH processing costs while generating per-transaction revenue for Xpress-pay. Revenue is earned through monthly merchant subscriptions ($6.95–$20/month tiers), per-transaction Site Fee residuals, setup fees on add-ons such as IVR ($150) and QuickBooks integration ($200), and revenue sharing with authorized resellers and referral partners. The GTM combines self-serve online enrollment with a 30-day free trial, direct demo-assisted sales for mid-market and government accounts, and a reseller/partner channel targeting insurance, utilities, government, and property management verticals.

Xpress-pay claims thousands of clients across more than 60 verticals in all 50 U.S. states, Canada, and the U.S. Virgin Islands, with named customers spanning municipal government (Village of East Aurora, Oswego County), utilities (LIPA), insurance (GreatFlorida Insurance, DMS Miami Insurance), and channel partners (eZpay). The company reports 98% year-over-year client retention and asserts that the Site Fee Program has unlocked over $100M in additional revenue and $131M+ in additional profit for clients since 2005. Headcount is reported at 11–50 employees, the company is privately held with no disclosed external funding, and James L. Buttino serves as President of Systems East, Inc.

Name

Xpress-pay

Legal name

Systems East, Inc.

Website

https://info.xpress-pay.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

Xpress-pay, operated by Systems East, Inc., is a PCI DSS Level 1 certified cloud-based digital bill payment platform that enables SMBs, government, insurance, and utilities to accept web, mobile, text, QR, and IVR payments, with a proprietary Site Fee Program that passes transaction costs to consumers.

Ownership category

akta.pro rank

Product category

Digital Payment Processing Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), EMV Chip, Magstripe & PIN Debit Acceptance (FSAMADAG)

Keywords

• Digital bill payment
• Payment processing software
• Electronic payment processing
• Merchant payment services
• ACH eCheck processing

Headquarters

HQ city

Cortland

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales

Revenue model

1. Monthly Merchant Account Subscriptions: Merchants pay a recurring monthly flat fee ($6.95/month for Credit Cards; additional $6.95/month for eCheck/ACH) to access the platform. This base subscription covers unlimited digital bill payments and core platform features.
2. Site Fee Revenue: The proprietary Site Fee program generates revenue through a per-transaction fee (3.0% + $0.45 per card transaction; $2.95 per eCheck). These fees are typically passed to the consumer, creating a cost-offset mechanism for merchants while generating revenue per transaction.
3. Premium Feature Add-ons: Optional paid features including QuickBooks Online Integration ($200 setup + $20/month Gold plan), Automated Telephone Payments/IVR ($150 setup), and third-party integrations. These are one-time setup fees combined with recurring subscription components.
4. Reseller Partner Revenue Sharing: Authorized resellers and referral partners earn ongoing revenue through a compensation plan tied to transaction volumes generated by merchants they bring on. Revenue is generated as a percentage of transaction fees from the merchant portfolio.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

Xpress-pay operates a cloud-based, PCI DSS Level 1-certified digital bill payment and electronic payment processing platform that enables service-based businesses and organizations to accept secure credit card and eCheck/ACH payments via web, mobile, IVR (automated telephone), email, SMS, and QR code. Its proprietary Site Fee Program allows merchants to offset or eliminate transaction processing costs by passing a configurable fee to the consumer, while xFrame and the Global aXcess API enable embedded, white-label and real-time integrations into third-party SaaS and POS systems.

Product overview

Xpress-pay is a cloud-based digital bill payment platform operated by Systems East, Inc., offering a modular suite of payment processing tools. The core platform (Digital Bill Payment Platform) provides web, mobile, and IVR payment acceptance for credit cards and eChecks. Key integrated products include Instant Invoices for text/email billing, xFrame for website embedding, eBill Presentment for bill search/payment, and Global aXcess API framework for enterprise integrations. Add-on modules include QuickBooks Online Connect for accounting sync and Automated Telephone Payments (IVR). The portfolio also includes Xpress-pay Valet for retail scan/pay/walk-away transactions, QR Code Payments, POS Integration for restaurant pay-at-the-table, and the proprietary Site Fee Program for cost recovery. The ecosystem is anchored by the Xpress-pay Digital Wallet enabling cross-merchant payments.

Differentiator

Problem solved

Functional benefit

Products and services

• Xpress-pay Digital Bill Payment Platform Cloud-based, PCI DSS Level 1-certified digital bill payment and electronic payment processing platform that enables service-based businesses and organizations to accept secure credit card and eCheck/ACH payments via web, mobile, and IVR. Supports unlimited digital bill payments, recurring payments, instant invoices, QR code payments, and digital wallet flows.
• Instant Invoices Allows merchants to create and send click-to-pay invoices instantly via text message or email using only a customer email or cell phone number. Supports single and batch invoice sending via file upload.
• xFrame Integration Embedded payment solution allowing businesses to deploy Xpress-pay's full payment portal directly inside their own website via an iframe-based HTML snippet, keeping customers on-site while processing occurs within Xpress-pay's PCI-certified environment.
• eBill Presentment & Payment (EBPP) Electronic bill presentment solution that lets organizations upload bills so consumers can locate and pay them by searching with account number, invoice number, or other criteria; supports PDF bill viewing and fuzzy search.
• Global aXcess API API framework providing real-time, direct access to accounts receivable data for bill presentation and instantaneous payment posting updates to the merchant's database; requires only two API calls for integration and supports real-time bidirectional synchronization.
• Automated Telephone Payments (IVR) Interactive voice response (IVR) system that allows customers to make secure payments over the phone using touchtone dialog; includes a dedicated 800 number, multilingual support, card and eCheck acceptance, and real-time payment posting to the merchant.
• QuickBooks Online Connect Direct plug-in integration with QuickBooks Online that automatically applies payments to specific invoices, updates the QBO ledger in real time, and displays all open invoices; offered as part of the Gold plan with a one-time setup fee.
• Xpress-pay Digital Wallet Consumer-managed digital wallet account that stores payment methods (cards and bank accounts) for expedited future payments and supports QR code, hyperlink, text/SMS, email, and in-app payment flows across the Xpress-pay merchant network.
• Xpress-pay Valet QR code-based retail purchasing solution that turns a customer's smartphone into a point-of-sale device, allowing them to scan a product QR code, pay instantly on their mobile device, and have items shipped directly. Designed for retail environments, window displays, and pop-up scenarios.
• Site Fee Program Proprietary cost-recovery program that separates transaction costs from the merchant's funds and passes them to the consumer as a nominal Site Fee, allowing merchants to eliminate credit card and ACH processing costs; toggleable on or off at any time.
• MagTek Swipe Reader USB card-swipe reader hardware for in-office credit card acceptance that plugs into a Windows PC and integrates with the Xpress-pay checkout screen; available for order directly through the Xpress-pay support page.
• POS Integration Point-of-sale integration enabling pay-at-the-table functionality in restaurant environments via two API calls, with QR code payments, tip adjustment, and instant check closure.

Quantifiable outcome

• Over $100M in additional revenue generated for clients through the Site Fee Program since 2005
• +6 more outcomes

Named customers10 records

Segments12 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature11 records

Partnerships

Ten partnerships are on record, tiered core, supporting and minor.

• QuickBooks Online (Intuit)coreTechnology or IntegrationXpress-pay directly integrates with QuickBooks Online via the QBO Connect plugin, allowing payments to be automatically applied to invoices and reflected in the QBO ledger in real-time. This integration is marketed as a key differentiator and is available as part of Xpress-pay's Gold plan ($20/month) with a $200 setup fee.
• Authorize.netsupportingTechnology or IntegrationXpress-pay is connected with Authorize.net as a supported payment gateway. Merchants using Authorize.net can log in, find transactions, reverse or rescind transactions, and manage their gateway account. Xpress-pay provides a merchant guide for Authorize.net integration.
• TSYSsupportingTechnology or IntegrationTSYS is listed as a full-service processing partner connected to Xpress-pay's platform. Xpress-pay provides a merchant guide for TSYS gateway management, covering transaction handling and account administration.
• WorldpaysupportingTechnology or IntegrationWorldpay is described as Xpress-pay's newest processing partner, expanding Xpress-pay's processing capabilities. Xpress-pay provides a merchant guide for Worldpay gateway integration.
• Converge (Elavon)supportingTechnology or IntegrationConverge (an Elavon product) is a supported gateway on the Xpress-pay platform. Xpress-pay provides a merchant guide for Converge covering refunds, voids, declined payment management, and batch settlement processing.
• FortesupportingTechnology or IntegrationForte is listed as a payment processing partner connected to Xpress-pay. eCheck features and support are handled through Forte, which merchants can contact directly at (800) 337-3060.
• iStreamsupportingTechnology or IntegrationiStream is partnered with Xpress-pay for ACH/eCheck activity management. Xpress-pay provides an iStream ACH Activity History User Guide for merchants using this processing path.
• eZpaycoreChannel Partner/ Reseller/ DistributoreZpay is a long-term authorized reseller of Xpress-pay, having partnered for eight years. The relationship is described as a model business partnership, with eZpay's National Sales Director praising Xpress-pay's staff availability for conference calls with prospective software providers, integration support, and overall product/service quality.
• MagTeksupportingTechnology or IntegrationXpress-pay offers a MagTek card swipe reader for in-office credit card acceptance. The device plugs into a USB port on a laptop or PC, allowing staff to swipe cards on the Xpress-pay checkout screen. Readers can be ordered directly through the Xpress-pay support page.
• Rebecca Minkoff (referenced case study)minorOthersReferenced in an industry news article on IoT and retail as an innovative retailer combining RFID with smart mirrors. This is not a formal Xpress-pay partnership but a reference to a notable retail trend-setting case.

Scale indicators6 records

Recent moves1 record

Expansion highlights6 records

Direct peers

• Bill.com: Public SMB bill pay, invoicing, and AP/AR platform. Overlaps directly with Xpress-pay's bill presentment, recurring payments, and QuickBooks integration, though Bill.com targets a larger enterprise/customer stack.
• PaySimple: SMB-focused recurring billing, invoicing, and online payment platform. Closely comparable product surface to Xpress-pay's recurring/invoicing/IVR stack for service-based SMBs.
• Stax Payments: Integrated payment processor emphasizing flat or low monthly fees and interchange-plus pricing for SMBs. Directly addresses the same cost-conscious merchant pain point that Xpress-pay's Site Fee Program solves.
• Paymentus: EBPP and electronic bill presentment specialist serving utilities, municipalities, and insurance — closely aligned verticals with Xpress-pay, including long-tenured government and utility clients.

Broad incumbents

• Stripe: Dominant cloud payment processor with APIs and hosted checkout. Competes with Xpress-pay for SMB and SaaS-embedded payment volumes and offers Billing/Invoice products at much greater scale and developer mindshare.
• Square (Block): Integrated POS and payment processor widely used by SMBs across retail, restaurant, and service verticals. Direct overlap with Xpress-pay Valet, QR pay, and small-business merchant acquiring.
• Authorize.Net (a Visa solution): Long-standing payment gateway that Xpress-pay integrates with as one of its processing partners. Operates broadly as a gateway across merchants; Xpress-pay layers consumer-presentment and Site Fee economics on top.
• Heartland Payment Systems (Global Payments): Large integrated payment processor serving SMB through enterprise with focus on verticals such as education, government, and nonprofit — many of the same verticals Xpress-pay targets.

Emerging players

• Plastiq: Bill payment platform letting businesses pay vendors via card. Comparable bill pay domain, with a different mechanism (consumer/card-funded bill pay), useful adjacent reference for Xpress-pay's invoicing/EBPP ambitions.
• North (formerly Payzer): Field service payments platform for home services/trade contractors. Overlaps with one of Xpress-pay's non-primary verticals (home services) and shares the recurring/invoicing focus area.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/xpresspaydotcom
• Facebookfacebook.com/xpresspayofficial
• LinkedInlinkedin.com/company/xpress-pay-com

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Xpress-pay