Release Notes - June 2026

Release notes - XPay - June 2026

We are excited to share this month's product updates, focused on enhancing promotional capabilities, improving checkout experiences, and giving merchants greater flexibility in running card-based campaigns. These enhancements help merchants deliver more reliable promotions, support complex tax scenarios, and provide customers with a smoother payment experience.

1. BIN Discount Validation

We have introduced BIN Validation to strengthen the integrity of BIN-based discount campaigns.

Merchants can now pass the eligible card BIN as part of the Payment Intent metadata using the applied_bin field. During payment confirmation, XPay automatically validates that the customer's card number matches the BIN provided in the Payment Intent before allowing the payment to proceed.

This enhancement enables merchants to ensure BIN-based discounts are applied only to eligible payment cards and prevent misuse of issuer-specific promotional campaigns.

BIN discount validation also improves the accuracy and reliability of card-based offers without adding complexity to the checkout experience.

2. BIN Discounts with Tax Support

We have enhanced our BIN-based discount engine to support tax-aware discount calculations, enabling merchants to seamlessly combine issuer-specific promotions with their tax requirements.

Merchants can now optionally provide tax information when creating a Payment Intent for BIN discount campaigns. XPay automatically calculates the final payable amount while supporting both inclusive and exclusive tax models, along with any additional applicable charges.

This enhancement allows merchants to:

• Run BIN-based promotions while maintaining accurate tax calculations.

• Support both inclusive and exclusive tax configurations.

• Include additional charges as part of the final payable amount calculation.

• Continue using existing BIN discount functionality without any changes when tax information is not provided.

This ensures greater flexibility for merchants operating across different taxation models while maintaining a consistent checkout experience for customers.

3. Enhanced XPay Checkout Experience

We have improved the XPay Checkout experience to make payment selection cleaner and easier for customers. When more than four payment methods are available, the first four payment methods are displayed prominently, while the remaining options are organized within a dropdown menu. This keeps the checkout interface uncluttered while ensuring customers can easily access all available payment methods.

This enhancement provides a cleaner and more intuitive checkout experience by reducing visual clutter while keeping all payment methods easily accessible. It enables merchants to offer a wider range of payment options without compromising the simplicity of the checkout flow.

We remain committed to continuously improving XPay with features that help merchants create better payment experiences, run more effective promotional campaigns, and optimize the checkout journey. Stay tuned for more exciting enhancements in the coming months, and as always, we value your feedback as we continue building a more powerful and flexible payments platform.

Milestones - Checklists

• UBL Integration

• Google pay support for MCB

• APG integration

Note: This is the tentative due date for the milestone features, a minor delay can be faced, but only these feature(s) can be expected to go live in the coming month.