Invoicing.
Payments.
Reconciliation.
One platform.
XSquare connects your financial operations in one unified view, so your team stops navigating disconnected tools to make sense of the money.
·
Where's your team losing
the most time today?
Collecting from customers?
- Invoices on WhatsApp or email, no payment link
- Customers manually transfer, 30+ day waits
- No reconciliation, no visibility
Embedded payment links in every invoice. Customer pays by card, Apple Pay, or bank, auto-reconciled instantly.
See the SME platformPaying suppliers?
- Multiple bank portals, cheques, phone calls
- No central AP view, late fees, missed windows
- Reconciliation takes days
Pay every supplier on your corporate card. One dashboard, multi-level approvals, settled directly to their bank.
See the enterprise platform
Three edges live.
The fourth completes the Square.
Most B2B finance stacks are stitched together from disconnected tools. XSquare runs the entire flow on one infrastructure, one ledger, one source of truth.
e-Invoicing
Send branded e-invoices via email, WhatsApp, or your ERP. UAE FTA compliant. PEPPOL-ready.
- Embedded payment links
- Structured XML invoices
- ASP integration
Payments
Card payments engineered for B2B. Visa, Mastercard, Amex, Apple Pay, Google Pay, or direct bank.
- Mastercard B2B rails
- Multi-currency support
- Settled to your bank
Reconciliation
Every payment auto-matched to its invoice. Real-time AR & AP visibility across your books.
- Native ERP sync
- Auto-matching engine
- Multi-bank support
Credit
Working capital based on your real transaction history. The fourth edge that completes the Square.
- Data-driven underwriting
- Embedded in your flow
- Roadmap · 2027
One ledger.
That's the moat.
ERPs invoice. PSPs charge. Reconciliation tools guess. XSquare runs all three on one ledger.
From invoice to ledger,
in one closed loop.
Regulated infrastructure.
Local relationships.
Built with operators,
not for them.
We send invoices for consulting and managed services engagements every week. With XSquare's embedded payment links, clients pay the invoice directly, no bank details exchanged, no chasing follow-ups. Collection cycles dropped from weeks to days.
We were running invoicing in Zoho, payments in Telr, reconciliation in Excel. XSquare collapsed all three into one ledger, our finance team got a full week back every month.
Card payments at booking changed the game for us. No more chasing wire transfers from corporate clients three weeks after the trip.
Running a startup accelerator means dozens of portfolio companies and vendor payments every month. XSquare lets us pay everyone on the corporate card in one batch, same-day settlement, 35 days of working capital.
Questions, answered.
How does XSquare differ from a payment gateway like Telr or PayTabs?
Payment gateways do one thing, process card payments. XSquare runs the entire B2B financial operation: e-invoicing into your ERP, payment collection across all methods, supplier payments on corporate cards, and full reconciliation. We work alongside gateways like Telr and Geidea, they're our partners, not our competitors.
Is XSquare regulated? Do you hold our money?
XSquare is non-custodial, we never hold your funds on our balance sheet. Money flows through our licensed PSP partners (regulated by CBUAE and QCB) directly to your bank account. We're PCI DSS Level 1 v4 certified, the highest tier of payment security certification, audited annually.
Which ERPs do you integrate with?
We have native integrations with Zoho Books, Xero, Wafeq, and Odoo. Our embedded payment links flow directly into invoices generated in your ERP, and reconciliation pushes back into the same system automatically, no manual matching, no separate dashboards.
How long does implementation take?
For SMEs using a standard ERP integration, you can be live within a week. For enterprise deployments involving custom workflows, multi-entity setups, or bank distribution partnerships, typical onboarding runs 2-4 weeks.
How does corporate card payment to suppliers work?
You charge your supplier invoices to your corporate card via XSquare. The supplier receives funds directly to their bank account, they don't need to accept cards or change anything on their side. You get up to 35 days of float before the card statement is due, plus your existing card cashback. It's running on Mastercard's B2B program rails.
Does XSquare support cross-border payments?
XSquare is built for domestic B2B payments within each GCC market, invoicing and collecting in AED for UAE businesses, QAR for Qatar businesses. We're not a cross-border remittance product. For multi-country operations, we deploy entity-by-entity in each market.
Are you ready for the UAE FTA e-Invoicing mandate?
Yes. XSquare generates structured PEPPOL-compliant XML invoices and integrates with accredited Service Providers (ASPs). When the mandate goes live in 2027, businesses already on XSquare will be compliant by default, no migration, no separate tooling.
What does it cost?
Pricing depends on your transaction volume and which products you use. We offer transparent percentage-based pricing on payments processed, with no setup fees and no monthly minimums for SMEs. Book a demo and we'll walk you through pricing tailored to your business.
Ready to see XSquare
in action?
30-minute demo, tailored to your business. We'll show you exactly what XSquare runs inside a company like yours.