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xpate Tech Stack

Payments infrastructure for fintechs and digital SMEs

Financial Services London, England 11–50 employees Founded 2019 Privately Held

xpate operates a payments platform combining card processing, FX, and banking services for developer-focused fintechs and SMEs. The tech stack—AWS Lambda, DynamoDB, Kafka, Node.js/TypeScript, plus Redshift and Prometheus—reflects a microservices-first, event-driven architecture built for transaction throughput and operational observability. Active projects around serverless workflows, cost optimization, and payment-rail integration, paired with persistent friction in onboarding and chargeback management, suggest the company is scaling transaction volume while wrestling with the compliance and fraud-detection complexity inherent in payments infrastructure.

Tech Stack 31 technologies

Core StackAWS AWS Lambda DynamoDB Node.js TypeScript HubSpot Redshift Kafka n8n Zapier Make Linux AWS RDS Prometheus Grafana Datadog CloudWatch Figma Sketch Aurora Google Workspace Jamf Snipe-IT macOS Windows Amazon Cognito API Gateway AWS SNS AWS SQS Framer Sage Intacct
AdoptingGo

What xpate Is Building

Challenges

  • Minimizing support tickets
  • Reducing technical debt
  • Onboarding friction
  • Reducing merchant fraud losses
  • Reducing churn
  • Optimizing stack for lower cost
  • Process gaps and inefficiencies
  • Maintaining integrity of payments environment
  • Reducing dispute and fraud risk
  • Monitoring chargeback ratios

Active Projects

  • Client portal
  • Internal operations portal design
  • Optimizing onboarding processes
  • Improving time-to-volume metrics
  • Event-driven serverless workflows on aws
  • Optimizing stack for lower cost and latency
  • Integrating payment rails and external providers
  • Driving customer growth from tpv
  • New onboarding processes and frameworks
  • Automation initiatives

Hiring Activity

Steady15 roles · 5 in 30d

Department

Engineering
3
Ops
2
Product
2
Sales
2
Support
2
Data
1
Finance
1
Security
1

Seniority

Mid
6
Senior
5
Lead
2
Junior
1
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About xpate

xpate is a London-based payments provider founded in 2019, targeting fintechs and digital SMEs that need unified access to card payments, multi-currency FX, and banking services. The platform consolidates these capabilities into a single account and API surface, reducing fragmentation and accelerating customer access to liquidity and growth. The company operates across the UK, Latvia, and Serbia with an 11–50 person team split across engineering, operations, product, sales, support, data, finance, and security—a structure typical of venture-backed fintech infrastructure plays scaling past product-market fit.

HeadquartersLondon, England
Company Size11–50 employees
Founded2019
Hiring MarketsLatvia, United Kingdom, Serbia

Frequently Asked Questions

What tech stack does xpate use?

AWS (Lambda, DynamoDB, RDS, Aurora, Cognito, API Gateway, SNS, SQS), Node.js, TypeScript, Kafka, Redshift, Prometheus, Grafana, Datadog, HubSpot, Figma. Recently adopting Go.

What is xpate working on?

Client and operations portals, serverless event-driven workflows on AWS, onboarding optimization, payment-rail integrations, cost and latency reduction, and automation to lower support volume and fraud losses.

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