X Payments Money Transmitter Licenses
X Payments LLC (NMLS ID # 2404946: https://www.nmlsconsumeraccess.org) 1450 Page Mill Rd., Palo Alto, CA 94304 is licensed to transmit money in the U.S. jurisdictions listed below. If you have an inquiry about X Payments' services, you may contact us at 888-606-9669.
Fraud Notice: You should be aware that fraud may and does occur, and that fraudulent transactions may result in the loss of your money with no recourse. To report fraud or suspected fraud as it relates to your transactions with X Payments LLC, please call 888-606-9669.
X Payments LLC is registered with the Financial Crimes Enforcement Network (FinCEN) as a Money Service Business (MSB).
X Payments LLC - Banking Partners
X Payments LLC is not a bank. In certain U.S. states, X Payments wallet, payment, and money transmission services are provided by our banking partner, Cross River Bank, a New Jersey state-chartered commercial bank, Member FDIC.
Cross River Bank
2115 Linwood Avenue
Fort Lee, NJ 07024
New Jersey State-Chartered Commercial Bank
X Payments LLC - Licensed States
Alabama
License Number: 936
Type of License/Statute: Money Transmitter
Licensed By: Alabama Securities Commission
Date Issued: 7/19/2024
Customer Disclosures:
To file a complaint, contact: Alabama Securities Commission.
Phone: 800-222-1253, 1-334-242-2984
Alaska
License Number: AKMT--017208
Type of License/Statute: Money Transmitter
Licensed By: Alaska Department of Commerce, Community, and Economic Development: Division of Banking & Securities
Date Issued: 4/7/2025
Customer Disclosures:
If your issue is unresolved, please submit formal complaints with the State of Alaska, Division of Banking & Securities.
Please download the form here:
Submit formal complaint form with supporting documents:
- Division of Banking & Securities PO Box 110807 Juneau, AK 99811-0807
If you are an Alaska resident with questions regarding formal complaints, please email us at dbs.licensing@alaska.gov or call Nine Zero Seven Four Six Five Two Five Two One
Arizona
License Number: MT-1047782
Type: Money Transmitter
Licensed By: Superintendent of the Arizona Department of Insurance and Financial Institutions
Date Issued: July 7, 2023
Customer Disclosures:
If you have any questions or complaints concerning X Payments LLC’s money transmission services, you can contact the Arizona Department of Insurance and Financial Institutions at (602) 364-3100.
- Address: 100 N 15th Ave, Suite 261, Phoenix, AZ 85007-2630
- Email: financial.consumers@difi.az.gov
- Online Complaint Form: difi.az.gov/complaint
- Phone: (602) 771-2800, (800) 544-0708
Arkansas
License Number: 131150
Type: Money Transmitter
Licensed By: Arkansas Securities Department
Date Issued: January 5, 2024
Customer Disclosures:
If you have any questions or complaints concerning X Payments LLC’s money transmission services, you can file a complaint through their website by visiting Arkansas Securities Department or calling (501) 324-9260.
- Address: #1 Commerce Way, Suite 402, Little Rock, AR 72202
- Email: ASDInfo@arkansas.gov
- Phone: (501) 324-9260 (main); (800) 981-4429 (hotline)
California
License Number: 2736
Type: Money Transmitter
Licensed By: Department of Financial Protection and Innovation
Date Issued: September 16, 2024
Customer Disclosures:
If you have complaints with respect to any aspect of the money transmission activities conducted at this location, you may contact the California Department of Financial Protection and Innovation at its toll-free telephone number, 1-866-275-2677, by email at Ask.DFPI@dfpi.ca.gov, or by mail at:
Department of Financial Protection and Innovation
Attn: Consumer Services
651 Bannon Street, Suite 300
Sacramento, CA 95811
You may also contact X Payments LLC at 888-606-9669.
Colorado
License Number: 500328
Type: Money Transmitter
Licensed By: Colorado Department of Regulatory Agencies
Date Issued: April 18, 2024
Customer Disclosures:
All complaints must be submitted in writing. Please fill out the Complaint Form provided on the Colorado Division of Banking’s website and return it and any documentation supporting the complaint via mail or email to the Division of Banking at:
Colorado Division of Banking
1560 Broadway, Suite 975
Denver, CO 80202
Phone: 303-894-7575
Email: DORA_BankingWebsite@state.co.us
Website: banking.colorado.gov/industry/money-transmitters
Connecticut
License Number: MT-2404946
Type: Money Transmitter
Licensed By: Connecticut Department of Banking
Date Issued: June 26, 2024
Customer Disclosures:
To file a complaint, visit Connecticut's official state website or contact the Connecticut Department of Banking, Consumer Credit Division at:
280 Trumbull Street
Hartford, CT 06103
Phone: 860-240-8170 (direct) or 1-800-831-7225 (toll-free)
Email: banking.complaints@ct.gov
Delaware
License Number: 043684
Type of License/Statute: Check Seller, Money Transmitter License
Licensed by: Division of Financial Institutions
Date Issued: February 25, 2026
Customer Disclosures:
To file a complaint, contact:
Office of the State Bank
Attention: Compliance
1110 Forrest Avenue
Dover, DE 19904
Phone: (302) 739-4235 or (302) 577-6722
Fax: (302) 739-2356
Email: Fill out Complaint Form and email bankcommissioner@delaware.gov
District of Columbia
License Number: MTR2404946
Type: Money Transmitter License
Licensed By: District of Columbia Department of Insurance, Securities and Banking
Date Issued: July 9, 2024
Customer Disclosures:
To file a complaint, visit the District of Columbia Department of Insurance, Securities and Banking Consumer Complaint Portal or contact them at:
1050 First Street, NE, Suite 801
Washington, DC 20002
Phone: 202-727-8000
Email: disbcomplaints@dc.gov
Florida
License Number: FT230000464
Type: Money Transmitter
Licensed By: Florida Office of Financial Regulation
Date Issued: December 27, 2023
Customer Disclosures:
If you have a complaint concerning X Payments LLC’s money transmission services, you can submit a complaint to the Florida Office of Financial Regulation at:
200 East Gaines Street
Tallahassee, FL 32399-6501
Phone: (850) 487-9687
Georgia
License Number: 2404946
Type of License/Statute: Money Transmission
Licensed By: State of Georgia Department of Banking and Finance
Date Issued: 8/7/2023
Customer Disclosures:
For consumer resources, see: Georgia Department of Banking and Finance
Phone: 888-986-1633, 770-986-1633
Hawaii
License Number: HIMT146
Type of License/Statute: Money Transmitter License
Licensed by: Division of Financial Institutions
Date Issued: February 25, 2026
Customer Disclosures:
To file a complaint, contact:
Division of Financial Institutions
Department of Commerce and Consumer Affairs
King Kalakaua Building
335 Merchant Street, Rm. 221
Honolulu, HI 96813
Phone: 1-844-808-DCCA (3222)
Idaho
License Number: MTL-363
Type of License/Statute: Money Transmitter License
Licensed By: Idaho Department of Finance
Date Issued: 11/27/2024
Customer Disclosures:
Unresolved consumer complaints regarding X Payments LLC's services may be directed to the Idaho Department of Finance. Formal complaints must be in writing.
Please download the complaint form here: https://www.finance.idaho.gov/complaint-guidance/
Formal complaint forms may be submitted via:
- Email: securities@finance.idaho.gov
- Or Mailed to:
Idaho Department of Finance
Securities Bureau
P.O. Box 83720
Boise, ID 83720-0031
If you have questions regarding a formal complaint, please call 1-888-346-3378 or 208-332-8000.
Illinois
License Number: MT-0000496
Type of License/Statute: Money Transmitter License
Licensed By: Illinois Department of Financial & Professional Regulation
Date Issued: 3/20/2024
Customer Disclosures:
To file a complaint, contact: Illinois residents may contact the Illinois Department of Financial & Professional Regulation, Division of Financial Institutions, Consumer Credit Section with questions or complaints about X Payments LLC at (888) 473-4858.
Phone: 1-888-473-4858, 1-312-814-6910
Indiana
License Number: 69776
Type of License/Statute: Money Transmitter License
Licensed By: Indiana Department of Financial Institutions
Date Issued: 12/4/2024
Customer Disclosures:
To file a complaint, contact:
Indiana Department of Financial Institutions
30 South Meridian Street, Suite 300
Indianapolis, Indiana 46204
Tel: 800-382-4880, 317-232-3955
Email: dficomplaints@dfi.in.gov
Iowa
License Number: 2023-0115
Type of License/Statute: Money Transmitter License
Licensed By: Iowa Division of Banking
Date Issued: 9/22/2023
Customer Disclosures:
To file a complaint, contact: Iowa Division of Banking 200 East Grand Avenue, Suite 300 Des Moines, IA 50309-1827 Tel: 515-281-4014
Online: https://www.idob.state.ia.us/
Kansas
License Number: MT-0000255
Type of License/Statute: Money Transmitter License
Licensed By: The Office of the State Bank Commissioner
Date Issued: 11/28/2023
Customer Disclosures: To file a complaint, contact: State Bank Commissioner of Kansas.
Phone: 877-387-8523, 785-380-3939
Kentucky
License Number: SC829884
Type of License/Statute: Money Transmitter License
Licensed By: Kentucky Department of Financial Institutions
Date Issued: 05/10/2024
Customer Disclosures: To file a complaint, contact: https://kfi.ky.gov/newstatic_Info.aspx?static_ID=347
Phone: 1-800-223-2579, 1-502-573-3390
Louisiana
License Number: 2404946
Type of License/Statute: Louisiana Sale of Checks and Money Transmitters
Licensed By: Louisiana Office of Financial Institutions
Date Issued: 03/27/2024
Customer Disclosures: To file a complaint, contact:
Louisiana Office of Financial Institutions
8660 United Plaza Blvd 2nd Floor
Baton Rouge, LA 70804-7024
Phone: 225-925-4600
Email: complaints@ofi.la.gov
Maine
License Number: 2404946
Type of License/Statute: Maine Money Transmitter License
Licensed By: Maine Department of Professional and Financial Regulation, Bureau of Consumer Credit Protection
Date Issued: 08/27/2024
Customer Disclosures: To file a complaint, contact: File A Complaint
Phone: 207-624-8527, 800-332-8529 (ME Only)
Maryland
License Number: 2404946
Type: Money Transmitter
Licensed By: Office of Financial Regulation for the State of Maryland
Date Issued: August 16, 2023
Customer Disclosures:
The Office of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding X Payments LLC (NMLS ID No.: 2404946) at:
Office of Financial Regulation
ATTN: Consumer Services Unit
100 S. Charles Street Tower 1, Suite 5300
Baltimore, MD 21201
Toll-Free Phone: 1-888-784-0136
Phone: 410-230-6077
Email: CSU.Complaints@maryland.gov
How to File: www.dllr.state.md.us/finance/consumers/comphow.shtml
Michigan
License Number: MT-0025307
Type of License/Statute: Money Transmitter License
Licensed By: Department of Insurance and Financial Services Lansing, Michigan
Date Issued: 07/03/2023
Customer Disclosures:
To file a complaint, contact: Michigan Department of Insurance and Financial Services (DIFS) Office of Consumer Services PO Box 30220 Lansing, MI 48909-7720 difscomplaints@michigan.gov
Phone: 877-999-6442, 517-284-8800
Minnesota
License Number: MN-MT-2404946
Type of License/Statute: Money Transmitter License
Licensed By: Minnesota Department of Commerce
Date Issued: 04/09/2025
Customer Disclosures:
To file a complaint, contact: Minnesota Department of Commerce
85 7th Place East, Suite 280
Saint Paul, MN 55101
Phone: 1-651-539-1600, 1-651-539-1500
Email: consumer.protection@state.mn.us
Mississippi
License Number: MT2404946
Type of License/Statute: Mississippi Money Transmitter License
Licensed By: Mississippi Department of Banking and Consumer Finance
Date Issued: 09/05/2023
Customer Disclosures:
To file a complaint, contact:
Mississippi Department of Banking and Consumer Finance
PO Box 12129 Jackson, MS 39236-2129
Phone: 601-321-6901
Missouri
License Number: MO-24-9397
Type of License/Statute: Money Transmitter License
Licensed By: Missouri Division of Finance
Date Issued: 07/03/2023
Customer Disclosures:
To file a complaint, contact:
Missouri Division of Finance
PO Box 716 Jefferson City, MO 65102-0716
Phone: 573-751-3242
Email:finance@dof.mo.gov
Nebraska
License Number: 2404946
Type of License/Statute: Money Transmitter License
Licensed By: Nebraska Department of Banking and Finance
Date Issued: 01/30/2024
Customer Disclosures:
To file a complaint, contact:
Nebraska Department of Banking and Finance
PO Box 95006
1526 K St #300
Lincoln, NE 68508
Phone: 877-471-3445
Nevada
License Number: MT-11213
Type of License/Statute: Money Transmitter License
Licensed By: Nevada Financial Institutions Division
Date Issued: 01/29/2024
Customer Disclosures:
To file a complaint, contact:
Nevada Financial Institutions Division
1830 College Parkway, Suite 100
Carson City NV 89706
Phone: 702-486-4120
E-mail: FIDLicensing@fid.state.nv.us
New Hampshire
License Number: MT-2404946
Type of License/Statute: Money Transmitter License
Licensed By: State of New Hampshire Banking Department
Date Issued: 06/29/2023
Customer Disclosures:
To file a complaint, contact: State of New Hampshire Banking Department 53 Regional Drive, Suite 200 Concord NH 03301
Phone: 603-271-3561
Email: legal@banking.nh.gov
New Jersey
License Number: L074977
Type of License/Statute: Money Transmitter License
Licensed By: New Jersey Department of Banking and Insurance
Date Issued: 08/29/2024
Customer Disclosures:
To file a complaint, contact: http://www.state.nj.us/dobi/consumer.htm
Phone: 800-446-7467, 609-292-7272
New Mexico
License Number: NMLS ID 2404946
Type of License/Statute: Money Transmitter License
Licensed By: New Mexico Regulation and Licensing Department
Date Issued: 03/20/2024
Customer Disclosures:
To file a complaint, contact: New Mexico Regulation and Licensing Department
Phone: 505-476-4885
New York
License Number: MT-105532
Licensed By: New York State Department of Financial Services
Date Issued: July 24, 2026
Customer Disclosures:
If you have any unresolved questions or complaints regarding X Payments LLC’s money transmission services, New York customers may contact the:
New York State Department of Financial Services
Consumer Assistance Unit
One Commerce Plaza Albany, NY 12257
Hotline: (800) 342-3736
Website: https://www.dfs.ny.gov/complaint
Portal: DFS Portal Consumer Complaint
North Carolina
License Number: 218279
Type of License/Statute: Money Transmitter License
Licensed By: North Carolina Commissioner of Banks
Date Issued: 06/26/2024
Customer Disclosures:
To file a complaint, contact: Consumer Inquiries and Complaint Information
Phone: 1-919-733-3016
North Dakota
License Number: MT-104809
Type of License/Statute: Money Transmitter License
Licensed By: North Dakota Department of Financial Institutions
Date Issued: 08/01/2024
Customer Disclosures:
To file a complaint, contact: The Department of Financial Institutions
Phone: 701-328-9933
Ohio
License Number: OHMT-274
Type of License/Statute: Money Transmitter License
Licensed By: Ohio Department of Commerce Division of Financial Institutions
Date Issued: 02/16/2024
Customer Disclosures:
To file a complaint, contact: Ohio Division of Financial Institutions
Phone: 866-278-0003, 614-728-8400
Oklahoma
License Number: NMLS ID 2404946
Type of License/Statute: Money Transmitter License
Licensed By: Oklahoma State Banking Department
Date Issued: 09/13/2024
Customer Disclosures:
To file a complaint, contact: Oklahoma Banking Department Complaint Form
Phone: 405-521-2782
Oregon
License Number: NMLS ID 2404946
Type of License/Statute: Money Transmitter License
Licensed By: Oregon Division of Financial Regulation
Date Issued: 03/13/2024
Customer Disclosures:
To file a complaint, contact: Oregon Division of Financial Regulation
Phone: 1-888-877-4894 (OR Only), 503-378-4140
Pennsylvania
License Number: 106887
Type of License/Statute: Pennsylvania Money Transmitter License
Licensed By: Pennsylvania Department of Banking and Securities
Date Issued: 12/11/2023
Customer Disclosures: To file a complaint, contact: 1-800-PA-BANKS (1-800-600-0007 ) or visit the Pennsylvania's regulator's website.
Rhode Island
License Number: 20234651CT
Type of License/Statute: Currency Transmitter License
Licensed By: Rhode Island Department of Business Regulation, Banking Division
Date Issued: 08/28/2023
Customer Disclosures: If you need to file a complaint, contact: State of Rhode Island Department of Business Regulation, Division of Banking, 1511 Pontiac Avenue, Bldg 68-1, Cranston, RI 02920, or visit the Rhode Island regulator's website.
Phone: 1-401-462-9503
South Carolina
License Number: NMLS ID 2404946
Type of License/Statute: Money Transmitter License
Licensed By: South Carolina Office of the Attorney General, Money Services Division
Date Issued: 06/22/2024
Customer Disclosures:
To file a complaint, contact: Money Services - South Carolina Attorney General
Phone: 803-734-3970
South Dakota
License Number: MT-2404946
Type of License/Statute: Money Transmitter License
Licensed By: South Dakota Department of Division of Labor & Regulation
Date Issued: 11/27/2023
Customer Disclosures: To file a complaint, contact:
Division of Banking
South Dakota Department of Labor and Regulation
1714 Lincoln Ave., Suite 2
Pierre, SD 57501
Phone: 605.773.3421
Fax: 866.326.7504
email: banking@state.sd.us
Tennessee
License Number: 2404946
Type of License/Statute: Money Transmitter
Licensed By: Department of Financial Institutions
Date Issued: 4/19/24
Customer Disclosures:
If you need to file a complaint please contact the Tennessee Department of Financial Institutions.
Phone: 800-778-4215, 615-741-2236
Texas
License Number: 3538
Type of License/Statute: Money Transmitter
Licensed By: Texas Department of Banking
Date Issued: 9/16/24
Customer Disclosures:
If you have a complaint, first contact X Payments LLC at 888-606-9669, if you still have an unresolved complaint regarding X Payments’ money transmission activity, please direct your complaint to: Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705, tel:1-877-276-5554 (toll free), http://www.dob.texas.gov.
Utah
License Number: NMLS ID 2404946
Type of License/Statute: Money Transmitter License
Licensed By: Utah Department of Financial Institutions
Date Issued: 1/12/2024
Customer Disclosures:
To file a complaint, contact:
Financial Institutions
P.O. Box 146800
Salt Lake City, Utah 84114-6800
Phone: (801) 538 - 8830
Fax: (801) 538 - 8894
Email: dfi@utah.gov
Vermont
License Number: MT-2404946
Type: Money Transmitter
Licensed By: Vermont Department of Financial Regulation
Date Issued: December 3, 2025
Customer Disclosures:
To file a complaint, contact the Vermont Department of Financial Regulation, Banking Division using forms located at dfr.vermont.gov/file-complaint-or-ask-help/banking-complaints or at:
Banking Division-Consumer Assistance
89 Main Street
Montpelier, VT 05620-3101
Phone: 802-828-3307
Email: dfr.bnkconsumer@vermont.gov
Virginia
License Number: MO-478
Type of License/Statute: Money Transmitter License
Licensed By: Bureau of Financial Institutions
Date Issued: 1/10/2024
Customer Disclosures:
If you need to file a compliant:
Please complete the form with the Virginia Bureau of Financial Institutions
Phone: 804-371-9657
Washington
License Number: 550-MT-149727
Type of License/Statute: Money Transmitter License
Date Issued: May 26, 2026
Licensed By: Department of Financial Institutions
Customer Disclosures:
To file a complaint, contact:
Department of Financial Institutions
Division of Consumer Services
50 Israel Road SW
Tumwater, WA 98501
Phone: 1-877-746-4334
Email: Fill out the Complaint Form and email it to dfi@dfi.wa.gov
West Virginia
License Number: WVMT-2404946
Type of License/Statute: Money Transmitter License
Licensed By: West Virginia Division of Financial Institutions
Date Issued: 4/11/2024
Customer Disclosures:
If you need to file a complaint:
Please complete the form: West Virginia Division of Financial Institutions
Phone: 304-558-2294
Wyoming
License Number: 7343
Type of License/Statute: Money Transmitter License
Licensed By: Wyoming Division of Banking
Date Issued: 11/30/2023
Customer Disclosures:
If you need to file a complaint, contact:
Wyoming Division of Banking
Uniform Consumer Credit Code
Hathaway Building, 2nd Floor
2300 Capitol Avenue
Cheyenne, WY 82002
Telephone number: (307) 777-7797