XbyZ Pay — Smarter Payment Processing for Small Businesses

Accepting payments shouldn't be complicated or expensive. Yet many small business owners in California are stuck paying high fees, dealing with delayed payouts, and navigating complex merchant account setups. XbyZ Pay was built to change that.

What is XbyZ Pay?

XbyZ Pay is our in-house merchant payment platform built specifically for small businesses. It lets you accept credit cards, send invoices, create payment links, and track all your transactions — from one simple dashboard. No technical knowledge required.

Simple, Transparent Pricing

Unlike traditional merchant accounts with hidden fees, XbyZ Pay charges a single flat rate:

• 3.4% + 30¢ per transaction
• No monthly fees
• No setup fees
• No hidden charges
• Payouts within 1-2 business days

Features Built for Small Business

• Charge customers — accept any major credit or debit card
• Send professional invoices — with your business name and due dates
• Payment links — shareable links for online payments via text, email or social
• Transaction history — full record of every payment
• Payout requests — request your earnings via Zelle, ACH, Venmo and more
• Risk protection — automatic holds on suspicious transactions for your protection

Who is XbyZ Pay For?

XbyZ Pay is ideal for small businesses that want a simple, affordable way to accept payments without the complexity of traditional merchant accounts. It's especially well-suited for:

• Service-based businesses (consultants, cleaners, contractors)
• Freelancers and independent professionals
• Small retail and e-commerce businesses
• Restaurants and food businesses
• Beauty and wellness professionals

How to Get Started

1. Visit xbyzpay.xbyzeth.com and create an account
2. Submit your merchant application
3. Our team reviews and approves your account (within 24 hours)
4. Add your bank details for payouts
5. Start accepting payments immediately

Risk Management Built In

XbyZ Pay includes automatic risk controls to protect both merchants and customers. Transactions over $1,500 or those showing unusual patterns are held for review by our team before processing. This protects your business from chargebacks and fraud.