Release Notes - December 2025

Release notes - XPay - December 2025

We are excited to share this month’s product updates, focused on strengthening fraud prevention, improving payment method visibility, and expanding real-time payment capabilities. These enhancements are designed to give merchants greater control, transparency, and flexibility across their payment journeys.

1. RAAST based Dynamic QR Integration

This month marks the successful integration of RAAST-based Dynamic QR payments through BAFL. With this enhancement, merchants can now generate dynamic QR codes tied to specific transactions, enabling fast, secure, and real time account-to-account payments.

Dynamic QR payments improve reconciliation, reduce payment errors, and offer customers a modern, frictionless way to pay. This integration expands the platform’s real time payment capabilities while supporting the growing adoption of RAAST across the ecosystem.

2. PayPak Visibility via Web SDK

We have improved the usability and visibility of PayPak by adding support through our Web SDK. Merchants can now clearly surface PayPak as a payment option within their web-based checkout experiences, ensuring customers are aware of and can easily select this method.

This update enhances payment transparency and helps drive higher adoption of PayPak by making it seamlessly accessible at the point of payment. The integration is lightweight and works smoothly within existing Web SDK implementations, requiring minimal effort from development teams.

3. Enhanced Fraud Protection: Blocklisting Fraud-Detected Users

As part of our ongoing investment in transaction security, we’ve introduced the ability to automatically add fraud-detected users to a blocklist. When suspicious or high-risk behavior is identified, these users can now be proactively restricted from initiating future transactions.

This enhancement helps merchants reduce repeated fraud attempts, minimize operational risk, and maintain a healthier transaction environment. By combining real-time detection with persistent prevention, businesses gain stronger protection without adding manual overhead to their fraud management processes.

We remain committed to continuously improving our payment platform with features that enhance security, expand payment options, and simplify the checkout experience. Stay tuned for more updates next month and as always, we value your feedback as we continue to build better payment experiences together.

Milestones - Checklists

• Shopify on-site wallet payments

• XPay Billing Engine