Introduction

X Pay is a leading provider of online and offline payment solutions, specializing in payment processing in Poland. In 2025, they approached us to implement a modern payment system architecture, covering data management, communication with banks, collection processes, and credit sales. The project aimed to optimize transaction flows, enhance interfaces for business clients, and integrate with various e-commerce platforms.

Client Description

X Pay is a company with extensive experience in the fintech industry, operating in the Polish market since 1999. They specialize in providing online payment services, offering a wide range of solutions for individual and business clients. Their main services include BLIK, card payments, subscriptions, and payment solutions for e-commerce platforms and various industries such as banking, insurance, transport, and entertainment. Currently serving 880,000 users, the client aimed to further develop these services with a modern system architecture.

Challenge / Problem

Before collaborating with us, X Pay faced several key challenges:

• Need to modernize and scale the payment infrastructure to support growing transaction volumes and banking integrations.
• Issues with liquidity and response times in collection processes, as well as quick acquisition of funds from clients.
• Insufficient optimization of reporting processes and communication with business clients, leading to inefficiencies.

Process and Implemented Solutions

• System Architecture Implementation – Deployment of MDM and TMS systems for centralized data and transaction handling.
• Bank Integration – Establishment of secure and high-speed transaction channels.
• Automated Collection System – Implementation of automated debt recovery system.
• Credit Sales Module – Integration of credit sales feature within the mobile app.
• Business Client Portal – Development of dedicated platform for business clients.

Summary & Client's Opinion

Through our solutions, X Pay achieved a 25% increase in processed transactions and a 30% improvement in collection efficiency. Integration with WooCommerce, Magento, and Prestashop streamlined online payments, while a dedicated business portal enhanced response times and analytics.

"AI Synergy revolutionized our payment processes, making them faster, more efficient, and secure. Their expertise in system architecture and bank integration was invaluable." – X Pay