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Pay Agency/Xorapay
Other pay.agency ↗ Full listing
Reviewed –
Our verdict
Not fully checked yet
We do not have enough information for a rating yet.
What should I do?
- Check the licence yourself in the official register of the country where it operates.
- Start small – never send more than you can afford to lose.
- Keep screenshots of all payments and conversations.
Based on public sources at the date of review. Not a finding that the company acted unlawfully; the company can respond below.
About
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…
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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…
The full check
🪪LicenceLicensing & registrationNot checked yet
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👥Who owns itOwnership & controlNot checked yet
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🏦Where your money goesBanking & payment chainNot checked yet
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⚖️Regulator actionsRegulatory actionsNot checked yet
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📰News & reputationAdverse media & OSINTNot checked yet
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💬Customer experienceCustomer conductNot checked yet
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How we rate: methodology.
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Version history
- 2026-10-21 Insufficient data Listed, not yet assessed
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