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XTM Inc. logo — The first vertically integrated, Earned Wage Access & digita...

XTM Inc.

The first vertically integrated, Earned Wage Access & digital payments fintech provider for employers globally.

Founded 2006 Canada Toronto, Canada 30 employees Post-IPO Debt Total: $114.59M Advertising, Marketing

General Information

Company Name XTM Inc.
Founded Year 2006
Location Canada Toronto, Canada
Employees 30
Industries Advertising, Marketing
Funding Stage Post-IPO Debt
Business Model B2B, Embedded Finance, Platform
Revenue Model Transaction Fee, Usage Based, Freemium
Social

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About XTM Inc.

XTM Inc. is a U.S., Canada, and UK-based Fintech company known for its innovative payment solutions, including Earned Wage Access through its QRails AnyDay™ solution. The company focuses on providing employers with a retention-first digital payout solution for earned wages and other forms of payments, catering to industries such as hospitality, personal care, healthcare, manufacturing, and retail. With clients like Earls, Maple Leaf Sports & Entertainment, Cactus Club, Marriott Hotels, and Live Nation, XTM has established a strong presence in the market. One of XTM's notable offerings is its Today Payments™ solution, which includes a free mobile app and a Visa or Mastercard debit card with free banking features. This solution is widely used by thousands of restaurants, salons, and staff across Canada and the United States, positioning XTM as a global card issuer and real-time payment specialist. The company's legacy in sophisticated marketing and its ability to create found-revenue for clients through innovation and payments-based know-how make it a notable player in the fintech industry. XTM aims to be the go-to innovator and marketer for customized payment ecosystems, striving to create growth and opportunities for best-in-class businesses. As of December 13, 2023, XTM secured a $11.03M post-IPO debt investment, highlighting investor confidence in the company's vision and potential for growth. Overall, XTM's focus on disrupting traditional payment methods and its strong foothold in various industries make it a promising venture for potential investors seeking opportunities in the evolving fintech landscape.

Business keywords: Earned Wage Access, Digital Payments, Neo-Banking, Employee Benefits, Hospitality Industry, Staffing Solutions, Real-Time Payments, Payment Innovations, Mobile App, Card Issuer, Marketing Agency, Financial Technology, Global Payment Solutions, Business Growth

Services & Products

Earned Wage Access Platform
Digital Payment Solutions
API Integration for Financial Applications
Mobile Banking Applications
Payroll Administration Tools

Target Customers

Service-oriented Businesses Restaurants Salons Hospitality Sector Employees Financial Institutions using APIs

Funding Rounds & Investors (4)

View All
Funding Stage Amount Investors Lead Investors Date
Post IPO Debt $11.03M -
13 Dec 2023
Post IPO Debt $90.00M -
28 Sep 2023
Post IPO Debt $5.00M -
28 Apr 2023
Post IPO Equity $8.56M -
29 Sep 2021

XTM Inc. Alternatives & Competitors

View All Alternatives
XTM Inc. vs
The Gifted Company
The Gifted Company Sweden

A gift card marketplace platform facilitating value exchange between merchants & consumers in a mobi...

Seed
40 employees
Advertising, Social Media
XTM Inc. vs
Synergent
Synergent United States

Integrated credit union solutions delivered through a single source.

157 employees
Advertising, Information Technology
XTM Inc. vs
Indonesia Mobile Exchange
Indonesia Mobile Exchange Indonesia

Always Connecting

9 employees
Advertising, Mobile
View all alternatives

FAQ About XTM Inc.

The first vertically integrated, Earned Wage Access & digital payments fintech provider for employers globally.
XTM Inc. was founded in 2006.
XTM Inc. is headquartered in Toronto, Canada.
XTM Inc. operates in Advertising and Marketing. Its work centres on Earned Wage Access, Digital Payments, Neo-Banking and Employee Benefits. Its customers include Service-oriented Businesses, Restaurants and Salons.
XTM Inc. has a B2B, Embedded Finance and Platform business model. Its revenue comes from Transaction Fee, Usage Based and Freemium.
XTM Inc. has approximately 30 employees.
XTM Inc. has completed 4 funding rounds, raising a total of $114.59M. The latest funding stage is Post-IPO Debt.
XTM Inc. offers: Earned Wage Access Platform, Digital Payment Solutions, API Integration for Financial Applications, Mobile Banking Applications, Payroll Administration Tools.
Top alternatives and competitors to XTM Inc. include The Gifted Company, Synergent, Indonesia Mobile Exchange, Smadex, WeGrowAds | Your Growth Partner. These companies operate in related industries and serve comparable markets. You can compare them side by side on Bounce Watch.
XTM Inc. and The Gifted Company are both companies in similar industries. Compare their funding, team size, growth signals, and market position on Bounce Watch to see which one fits your needs.

Source: BounceWatch company record for XTM Inc., https://bouncewatch.com/company/xtm-inc, updated 29 September 2026. When citing, please name BounceWatch and link this page.

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