A Compliant Solution for Tip Allocation
and Payouts

Invest in the movement

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Bringing EWA to Hospitality

We’re focused on being an ally to the industry. Our Today platform allows restaurants, salons & personal care establishments to eliminate the need for cash and run a more efficient business without extra overhead. And it does more than that, it gives the staff faster access to their earned wages and gratuities in a free and convenient way, with added benefits like cash-back rewards. 

XTM is among the first to bring Earned Wage Access, in form of instant gratuity payouts, to the Hospitality Industry.

OUR TOOLKIT

MOBILE APPS

MOBILE APPS

WEB PORTALS

WEB PORTALS

APIs

APIs
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cashless gratuity

Already have a

financial system? 

Add our APIs.

Use our APIs to add this feature to your existing app, portal or webpage. With our white-labeled UI, you can customize payment flow, as well as logo and branding elements. Learn how.

Solutions for all your

financial needs

Our products are solving financial problems for businesses. Here are some of the categories we are servicing.
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Check out the latest news

Familiarize yourself with the Fintech world, whilst getting acquainted with our company. 

Do you have more time? Visit our newsroom.

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PRESS RELEASE - NOVEMBER 9, 2022

XTM Inc. Sees Immediate 300% Spike in Inbound Sales Leads Following Record-Attended Gratuity Tax Compliance Webinar

XTM saw a 300% surge of inbound new business leads within a few hours following the record-attended webinar hosted with Restaurants Canada, an industry-leading non-profit association representing over 30,000 foodservice providers and James Rhodes, leading hospitality tax lawyer. The webinar was curated to provide strategic solutions for hospitality professionals to ensure restaurants are tax compliant on gratuity payouts.

PRESS RELEASE - NOVEMBER 2, 2022

XTM Inc. Joins Hospitality Experts to Address Compliance on Gratuity Payout

XTM is is partnering with Restaurants Canada, an industry-leading non-profit association representing over 30,000 foodservice professionals to provide practical solutions that will ensure restaurants are protected when it comes to payouts of gratuities.

PRESS RELEASE - SEPTEMBER 20, 2022

XTM Launches an Earned Wage Access Rebrand for Its Growing Today™ Membership

XTM is pleased to announce that it has launched a refined brand identity for its Today program to be accompanied by a new website, paidtoday.io, a new logo and a redesigned app called ‘Today Financial’

Ready for Today?
Let’s get started.