XMDS is a Netherlands-based software company founded in 1998, specializing in fintech and faretech solutions. It offers a range of payment products, including Vayapay, Ginger Payments, Pecunda, and KUARIO, which cater to sectors like education, public facilities, public transport, and financial services. XMDS provides omnichannel payment solutions, enabling seamless transactions across Europe. Its unique selling proposition is delivering sector-specific, scalable payment solutions under the XPP umbrella, simplifying embedded transactions for clients like banks, universities, and transport operators. This approach enhances customer experience and operational efficiency for its diverse client base.