XPay Life - An Innovative Idea in the Bill Payment Spectrum


2020 was a difficult year in many aspects, but it also challenged the payments industries to find new solutions to work through the limitations of the pandemic. The constant fear of contracting the disease has led a huge bulk of payers towards the online modes of payments. More than 50% of global customers have used online payment methods during this pandemic. Online payment companies have seen a huge vertical growth in the number of transactions this year. In India also, people preferred using online payment platforms to limit the touch as little as possible.

India has numerous payment apps, easily available in urban areas. In more than 50% Indian Stores, you will find an online payment mode. India is better known as the land of agriculture. Around 65% of Indian population lives in rural areas and around 70% of Indian population depends financially on agriculture. Urban customers can easily Pay Water Bill Online, but rural India is untouched from online payment services. Keeping this in mind, Mr.Rohit Kumar, founder and CEO of XPay Life, founded XPay Life, which provides a complete spectrum of utility bill payment services. XPay Life is an Indian app which helps you in paying all your utility bills.


For tech-savvy urban tribes, XPay Life offers an app (compatible with both, android and iOS devices) and a website, which accepts payments through Net Banking, Credit/Debit Cards, UPIs, etc. The   Urban customers do their Online Gas Bill Payments in a jiffy. But rural India does not have a high-speed internet connection like urban areas, which is a must for online payment services. XPay Life has come up with a unique idea to make digital payments possible for rural customers by providing different payment methods like PoS Machine, Touch Screen ATP Kiosks and Mobile Vans.

XPay Life runs around 250 mobile vans in different rural areas of Jharkhand, Bihar, U.P and Karnataka. These vans visit the villages and villagers do their utility bill payments online via self-service Touch Screen ATP Kiosks. XPay Life is slowly making rural India digitally strong by providing such bill payment platforms. Now, if their DTH Recharge App is not working, then they can recharge DTH using these kiosks. These vans have a vending machine too, which dispenses sanitary napkins and condoms.


XPay Life works on a high-end technology involving an AMBIC model which is an acronym for Artificial Intelligence, Mobility, Blockchain, IoT and Cloud. It makes the service a lot safer and the fear of mishandling of customer’s data is minimized. XPay Life also provides instant discounts on the bill amount. If you have a Landline Bill Pay using XPay Life and the bill amount will be curtailed because of the discount offered by XPay Life.


Urban population usually pays their Mobile Bill Payment Online. It is an easier and most sought-after method to do the payment. XPay Life is focusing more towards making the life of rural people easier. It is doing so by providing door-to-door services via mobile vans for the payments of utility bills.


This pandemic time was the toughest for villagers as no public transports were available. They were in a constant fear of contracting the disease while travelling for bill payments. Mobile vans have proved to be really useful in containing the disease in rural areas. Nobody needed to visit cities to pay their utility bills. After looking at the amazing response of already deployed mobile vans,  every state is showing interest in deploying these mobile vans in their areas. By the end of 2021, XPay Life is planning to deploy around 1000 mobile vans in India. Hopefully, in this decade, every village in India gets an easy and hassle-free mode for utility bill payment.

For more details visit here: https://www.xpay.life


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