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Beautifully simple pricing. We get paid when you get paid. 

1. Invoicing

1.1 It's completely free!

Signing up to and using the Xpence invoicing app is free of charge. You can send an unlimited amount of invoices every month without paying a single penny. 

2. Payment Gateway Services

2.1 Pay-as-You-Go Processing Fees

For each of your invoices, which are paid online using the payment gateway, we charge you 3.5% (three and half percent) of the invoice value. 

For a limited period you will receive 1.5% cashback for any invoices paid online using Xpence services. We will inform you in advance, when the cashback offer will expire.  

You will be able to see processing fee for your invoice, even before you send it, when you switch on the online payment method for your invoice.

The processing fee will be deducted from the invoice value before the funds are settled to your nominated account.


Your customers will not be informed of your processing fees, and they will not have to pay anything extra for paying online. They will pay the face value of the invoice only.  

2.2 Refunds

For any invoice paid online, we can reverse the transaction before the funds are settled to you (typically 7 days). The cost of processing the refund is 3.5% (three and half percent).

2.2 The Chosen Ones

During the beta testing phase, selected users will receive a cashback at the end of each month to cover their processing fees.


This will be for a limited period and users will be informed in advanced by Xpence before we close "The Chosen Ones" incentive programme.

Chosen ones will get AED 200 (two hundred Emirati Dirhams) in cashback each month for the first AED 10,000 (ten thousand Emirati Dirhams) worth of invoices paid online.

Xpence logo

Office 160

DIFC Innovation Hub

Gate Avenue

Dubai International Financial Centre


United Arab Emirates

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Xpence is a member of the  Visa Fintech Fast Track Programme.

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Xpence Ltd. is an incorporated company pursuant to Abu Dhabi Global Market Companies Regulations 2015 and is taken to be incorporated in Abu Dhabi Global Market.

ADGM FSRA has granted Xpence a Financial Services Permission (FSP # 180031)

Xpence Ltd (‘Xpence’) is regulated by the Abu Dhabi Global Market Financial Services Regulatory Authority (‘FSRA’) solely for the purpose of developing and testing innovative financial technology services within the Regulatory Laboratory (‘RegLab’). Xpence is only permitted to test its financial technology services with clients who have expressly given their consent in writing to participate, and acknowledged the risks of participating in the test. The test is subject to a maximum period of two years within the RegLab. At the end of the test period, Xpence will cease operations unless it receives the relevant approvals from the FSRA to continue operations outside the confines of the RegLab. Xpence’s clients may have limited recourse in the event of a failure or termination of the firm’s services.

The Central Bank of Bahrain has confirmed that "Xpence Ltd." is authorised to participate in the Fintech Regulatory Sandbox in the Kingdom of Bahrain and is henceforth granted authorisation to operate as a "Sandbox Ancillary Service Provider" for a limited period.

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