Shipping & Delivery Policy

Last updated: 21 July 2026

XORPAY is a digital software-as-a-service platform. We do not ship any physical goods. This policy explains how our digital services are delivered.

1. Account activation

Access to the XORPAY dashboard is provisioned instantly upon successful account registration. KYC verification is typically completed within 1 business day of receiving complete documents.

2. Transaction processing

Card acceptance: funds are credited to the agent's wallet in real time (typically within seconds) upon successful authorization by the card-issuing bank.

Bank payouts: transfers are attempted via IMPS immediately and are typically credited to the beneficiary account within 5–30 minutes. NEFT and RTGS transfers follow banking hours.

3. No physical delivery

No physical documents, cards or hardware are shipped as part of the standard service. All communications and reports are delivered digitally via the dashboard, email or SMS.

4. Support delivery

Support is delivered digitally via email at support@xorpay.online during business hours (Mon–Sat, 10:00–19:00 IST).

5. Contact

Questions about service delivery: support@xorpay.online