XPP
- Company typePrivate
- Founded2024
- HeadquartersHaarlem, Netherlands
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
XPP firmographics
Firmographics- Name
- XPP
- Legal name
- Ximedes Payment Products B.V.
- Website
- https://xpp.nl
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
XPP industry classification
Industry- Product category
- Payment Processing Software
- NAICS
- Software Publishers (5132), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Payment Gateways & Orchestration (BPAMAFAA)
- akta.pro secondary industries
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)
Keywords
Where XPP is headquartered
LocationHeadquarters
- HQ city
- Haarlem
- HQ country
- Netherlands
- HQ region
- Europe
Offices2 records
Markets served
XPP business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- Payment Processing & Transaction Fees: XPP generates revenue through payment processing fees charged to transit operators, universities, and enterprises for transaction handling across omnichannel payment platforms including contactless EMV, in-app, vending, and online payments.
- SaaS Platform Licensing: White-label payment gateway solutions (Ginger) provided to acquirers and payment service providers under subscription/SaaS model, enabling them to launch branded payment services with full data and brand ownership.
- Unattended Services Payment Management: KUARIO and Pecunda products provide payment and management systems for vending, printing, and semi-public environments with clearing and settlement services included.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Enterprise B2B pricing - custom contracts |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels5 records
XPP product offering
Product offeringCore offering
XPP provides four specialised SaaS payment platforms — Vayapay (omnichannel payments for public transport), Ginger (white-label e-commerce payment gateway for acquirers and PSPs), KUARIO (digital payments for unattended services, vending, and campus environments), and Pecunda (traditional unattended/POS payments) — combined into a unified infrastructure that enables personalised, omnichannel, and embedded payment experiences across devices, terminals, and digital channels. The company sells these platforms primarily through custom enterprise contracts to transit operators, universities, financial institutions, and large enterprises across Europe.
Product overview
XPP (Ximedes Payment Products) is a Dutch payment infrastructure company offering a portfolio of four specialised payment solutions: Vayapay (omnichannel payment platform for urban mobility), Ginger (white-label e-commerce payment gateway for acquirers and PSPs), KUARIO (digital payment platform for unattended services and POS including vending, printing, and campus payments), and Pecunda (traditional payment solution for unattended services). Together these products enable organisations to deliver personalised, omnichannel, and embedded payment experiences across public transport, higher education, enterprise environments, financial institutions, libraries, and unattended services. The company operates across northern and central Europe, including the Nordics, Baltics, Germany, the Netherlands, Austria, Switzerland, and the UK.
Differentiator
Problem solved
Functional benefit
Brands
- KUARIO: Digital payment solution for unattended services and POS - all-in-one payment and management system for vending and semi-public environments
- Vayapay
- Ginger
- Pecunda
Products and services
- Vayapay Vayapay is an omnichannel payment service platform for urban mobility that enables public transport operators to recognise passengers as the same traveller across all sales channels, payment devices, and operators. It unifies contactless EMV ticketing, in-app/online payments, and vending machine payments into one centralised view with Payment Footprint technology for cross-channel passenger recognition.
- Ginger Ginger is a white-label e-commerce payment gateway that enables acquirers and payment service providers to launch and scale branded payment services. Built on single-tenant infrastructure with direct scheme access via Silverflow and global acquiring via Rapyd, it provides full data and brand ownership, modular architecture, intelligent routing, tokenisation, real-time data visibility, and an API-first design.
- KUARIO KUARIO is a digital payment solution for unattended services and POS, providing an all-in-one payment and management system for vending, printing, laundry, and campus environments. It blends open-loop and closed-loop payments, enabling users to pay via mobile app or web portal using iDEAL, PayPal, credit card, or bank transfer, with auto top-up and usage analytics.
- Pecunda Pecunda is a traditional payment solution for unattended services and POS, serving organisations that require established payment hardware and software integrations for vending, parking, and similar self-service environments.
Quantifiable outcome
- 97% customer satisfaction rate achieved by Flytoget using Vayapay
- +2 more outcomes
Companies that use XPP
Customer profileNamed customers8 records
Segments6 records
Ideal customer profiles6 records
XPP technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability6 records
Feature5 records
XPP partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core, flagship and key.
- SEONcoreGinger partnered with SEON, the AI Command Center for Fraud Prevention and AML Compliance, to embed real-time fraud screening into the payment flow before authorisation. The integration delivers configurable fraud rules, device fingerprinting, and adaptive risk models that improve with every transaction processed.
- FARAcoreXPP's Vayapay partnered with FARA, a leading Nordic provider of multimodal Account-Based-Ticketing and Real-Time Integration platforms, to deploy contactless payments across four Norwegian transit authorities (Innlandet, Telemark, Vestfold, Troms). The partnership combines Vayapay's Smart Payment Platform with FARA's automatic fare collection system for standardised open-payment ticketing solutions.
- RapydcoreXPP partnered with Rapyd, a leading global acquiring network, to provide Ginger clients with built-in Visa and Mastercard acquiring capabilities in 100+ countries, including Apple Pay, Google Pay, and recurring payments support.
- Oxivo GroupflagshipXPP and Oxivo Group, a multinational Dutch/Turkish conglomerate expert in unattended electronic payments, formed a strategic alliance to introduce seamless payment services to the Turkish public transport market. The partnership combines XPP's Vayapay and Ginger platforms with Oxivo's deep market expertise and established presence in Turkey.
- SilverflowcoreSilverflow provides direct scheme access for Ginger's white-label e-commerce payment gateway, enabling single-tenant architecture with direct connections to payment schemes.
- ElavoncoreElavon serves as the payment acquirer for Flytoget's landmark omnichannel contactless EMV ticketing system in partnership with Vayapay, providing the acquiring infrastructure for Norway's airport express train service.
- FlytogetcoreNorwegian airport express train operator (Oslo Airport to city centre) as the flagship customer for Vayapay's omnichannel contactless EMV ticketing solution, achieving world's first omnichannel ID-based ticketing implementation.
- Swiss PostkeySwiss Post operates as a national postal service partner implementing XPP payment solutions across Switzerland for unattended and embedded payment environments.
Scale indicators5 records
Recent moves7 records
Expansion highlights6 records
XPP competitors and assessment
Company assessmentDirect peers
- MultiSafepay: Dutch payment gateway serving European PSPs, acquirers and merchants with omnichannel processing and white-label offerings; overlaps directly with XPP's Ginger gateway product and shared Netherlands HQ market; notably, XPP's incoming CEO Pieter Stal was previously Deputy CEO at MultiSafepay.
- Nayax: Global provider of cashless payment solutions and telemetry for unattended retail, vending, EV charging and mobility; competes directly with KUARIO and Pecunda in unattended/POS payment infrastructure across European markets.
- Littlepay: London-based provider of open-loop account-based ticketing and mobility payments specifically for public transport; competes directly with Vayapay in contactless EMV ticketing and passenger recognition across European transit agencies.
- Mollie: Amsterdam-based European payment service provider offering multi-method checkout, gateway APIs, and embedded financial products; shared Dutch heritage and direct overlap with Ginger in the SME and PSP white-label gateway market across Northern Europe.
Broad incumbents
- Stripe: Global incumbent in payment infrastructure for internet businesses offering Connect, Issuing, and gateway APIs; competes with Ginger in the PSP/acquirer white-label segment and increasingly with embedded commerce flows that overlap with XPP's omnichannel payments stack.
- Worldline: European payments incumbent serving merchants, banks and transit operators with omnichannel acquiring and digital services; competes head-to-head with XPP for public transport tender contracts in Benelux and Northern Europe and with Ginger in payment orchestration.
- Adyen: Amsterdam-headquartered global payment platform providing unified online, in-store and platform payments; competes with Vayapay in transit card acquiring (e.g. NS, Stockholm public transport) and Ginger in white-label gateway orchestration across Europe.
- Nexi: Italy-based European payments incumbent with strong transit (e.g. ATM Milano, regional ticketing) and acquiring capabilities; competes with both Vayapay in transit modernisation tenders and Ginger in payment gateway services across continental Europe.
Regional players
- Unicard: UK-based closed-loop smartcard payment platform with strong focus on UK higher education and local authority payments (e.g. tappit campus cards); directly comparable to XPP's KUARIO in campus and unattended environments, though primarily serving UK universities.
Emerging players
- Phos (Ingenico): SoftPOS provider leveraging Ingenico's acquiring footprint to enable Android device-based contactless payments; overlaps with XPP's HybridPay terminal solution in unattended/semi-public environments and complements Ginger in unified commerce flows.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
XPP social profiles
Digital presenceXPP compliance and trust
Trust signalCompliance5 records
XPP financial estimates
Financial estimateRevenue estimate
Valuation estimate
XPP leadership team
Management profileNumber of profiles
Profiles7 records
XPP subsidiaries and ownership
Company hierarchySubsidiaries1 record
XPP funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
XPP M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about XPP
What does XPP do?
XPP provides four specialised SaaS payment platforms — Vayapay (omnichannel payments for public transport), Ginger (white-label e-commerce payment gateway for acquirers and PSPs), KUARIO (digital payments for unattended services, vending, and campus environments), and Pecunda (traditional unattended/POS payments) — combined into a unified infrastructure that enables personalised, omnichannel, and embedded payment experiences across devices, terminals, and digital channels. The company sells these platforms primarily through custom enterprise contracts to transit operators, universities, financial institutions, and large enterprises across Europe.
Is XPP a public or private company?
XPP is a private company. It is classified as corporate owned and is currently operating.
When was XPP founded?
XPP was founded in 2024. It employs 51 to 100 people.
Where is XPP based?
XPP is headquartered in Haarlem, Netherlands, in the Europe region.
How does XPP make money?
Three revenue lines are on record. Payment Processing & Transaction Fees are the primary driver. The others are saaS Platform Licensing and unattended Services Payment Management.
Who are XPP's main competitors?
Direct peers on record are MultiSafepay, Nayax, Littlepay and Mollie. Broad incumbents are Stripe, Worldline, Adyen and Nexi. Unicard is listed as a regional player. Phos (Ingenico) is listed as an emerging player.
Does XPP have an API?
Yes. Ginger is described as API-first, enabling direct integration with core services for seamless, branded user experiences with full control over the checkout flow. The platform provides developer tools for straightforward integration. The Merchant Portal allows creating test accounts, monitoring transactions, resolving disputes, and gaining real-time insights into performance. Both merchants and customers can integrate directly using APIs, maintaining full control over data streams and platform capabilities.
What industry is XPP in?
XPP's product category is Payment Processing Software. Its primary akta.pro industry code is BPAMAFAA, Payment Gateways & Orchestration, with a secondary code of FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets). Its NAICS code is 5132 and its SIC code is 7372.