Pay Agency/Xorapay

Indian merchant services provider

Key Data

  • Trading Name: Pay Agency/Xorapay
  • Legal Entity: not disclosed
  • Activities: payment processor and merchant service provider
  • Location: India
  • Authorization:  no
  • Related individuals: Ruchi Rathor, Yuvraj Singh

Pay Agency is an Indian project started by notorious payment veteran Ruchi Rathor. She co-founded the collapsed iPayTotal, which disappeared with millions of merchant funds. In addition, Payomatix, Bitmatix, and OpenUp also belong to her network.

The Offering

PayAgency offers two plans, one for merchants and one for Payment Service Providers (PSPs), to help them match and connect with the right partners for your business. The Merchant Plan costs $2,000 annually, and the PSP Plan $5,000.


We have received information that Pay Agency also operates under the name Xorapay


We have already found the Pay Agency founding ring Ruchi Rathor in numerous payment ventures with numerous complaints. Moreover, the website does not provide the required legal information. Thus, we put Pay Agency on our black compliance list and recommend that merchants stay away.

Rate and write a review

Your email address will not be published. Required fields are marked *