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XTM Inc. (CSE:PAID) is a fintech payment innovator in the neo banking space. We automate the delivery of instant payouts via mobile app for businesses to their staff, expediting earnings delivery and reducing or eliminating traditional banking fees for users. As a global Mastercard and Visa issuer, businesses leverage our technology to expedite worker payouts and eliminate cash from their ecosystems.  



We are a B2B2C Company specializing in designing, building and maintaining payment and e-Commerce solutions in a transitioning cashless world.


Go-to innovator for customized payment ecosystems designed to deliver cashless instant payments.


To become the defacto standard for hospitality, delivery and salon payouts

Key links for our investors

Our Sedar


XTM regularly updates its profile documents filed with Sedar.

CSE Listing

XTM is trading publicly on the Canadian Securities Exchange.

Frankfurt Listing

XTM is trading publicly on the Frankfurt Securities Exchange.

The Journey

A decade + history in working with, sustaining and promoting brands that include Bell, Rogers, French’s, Canada Post and AT&T.



Acquired  Zoompass assets after Bell Rogers and Telus spent $40M plus developing giving XTM a sophisticated payment platform and banking and supplier agreements.



XTM goes public on the Canadian Stock Exchange (CSE) March 10, 2020.



Founded in 2006 as a successor to Neo, an agency also founded by Marilyn Schaffer and acquired by Omnicom in 2001.


Evolved its offering to include Loyalty and Incentives and a payment platform as an extension of its brand involvement.


Finalized development of neo bank solution and rolled out the Today card for Hospitality, Restaurants and Salons.


Launched Today program for delivery with first large delivery client Dominos Pizza. Expanded Delivery, Hospitality and Solons for a combined total in excess of 900+ locations.

Meet the

Management Team

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Marilyn Schaffer

CEO and Director

Marilyn Schaffer is a serial entrepreneur building her reputation by building the businesses and reputations of others. She founded NEO Communications in the early 2000s and was later acquired by Omnicom (NYSE: OMC). She stayed on at Omnicom until she earned 100% of her earn-out then moved on to fund and start a few other ventures then XTM Inc.


Olga Balanovskaya


Olga Balanovskaya, CPA, CGA, ACCA has over 20 years of diversified experience in accounting, financial management of privately owned and public companies, M&A, tax, and financing.  Olga was a senior auditor at MNP then left to start her own practice.  Olga has been the CFO a few publicly traded companies.


Chad Arthur


Chad Arthur has over 10 years of engineering and product experience. He has worked with several fortune 500 and silicon valley companies.  Chad was one the first 6 hires at Payfare where he headed up the Mobile Development team.  Under his leadership he launched the Uber driver Payfare app providing instant payments to Uber drivers

Independent Directors

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Cameron Chell


Mr. Chell is the CEO of Business Instincts Group, a Venture Creation Services Firm whose focus is building high-tech startups. Cameron has founded and been at the helm of 10 different companies and presently is Non-Executive Chairman for ICOX Innovations, Inc. (which he founded in 2010), Chairman & Secretary at Ryde Holding, Inc., Chairman at TruTrace Technologies, Inc. (which he founded in 2011), Chairman & Chief Executive Officer at Pounce Technologies, Inc. (which he founded in 2007), Chairman & Chief Executive Officer for Draganfly, Inc., Chairman & Secretary at Wenn Digital, Inc., Chief Executive Officer & Tax Director at Business Instincts Group, Inc. (which he founded in 2009), Chief Executive Officer of Trace Live Network, Inc. (which he founded in 2014) and Chief Financial Officer & Director at Trax One, Inc.

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Paul Haber

Director & Chair of Audit Committee

Mr. Haber has been involved in the capital markets for over 25 years as an investor and entrepreneur having founded two merchant banks, an oil company and a technology firm. He is a firm believer in the entrepreneurial spirit and actively seeks to help other founders. Mr. Haber started his career with Coopers & Lybrand (now PricewaterhouseCoppers LLP). He is both a Chartered Accountant and a Certified Public Accountant, with an Honours Bachelors of Arts Degree in Management from the University of Toronto. Mr. Haber was also awarded his Chartered Director designation from the DeGroote School of Business in partnership with the Conference Board of Canada. 


Key Metrics

Market Size

2019 US Restaurant Sales - $863B+

2018 North America - Hair, Nail, Beauty, Esthetics Sales $105B

2017 Canadian Restaurant Sales - $85B+

2019 North America - Food Delivery and Takeout Sales – $168B

2018 North America - ~39M workers in the hospitality, leisure, personal care and delivery service industries

Market Statistics

84.7% of North American full service restaurant bills are paid with Debit or Credit

82% of service employees look to fringe institutions such as payday lenders to bridge the gap between paydays

60% of U.S. consumers order delivery or takeout once a week   

83% of service workers live paycheck to paycheck

86% of workers prefer to paid via card vs. paper cheque

Clients and Verticals Hospitality, Salons & Tips

The Problem:

  • Electronic forms of payment have eliminated cash at restaurants, salons, delivery and spas.

  • COVID-19 concerns related to the health risk associated to accepting cash, end-of-shift payouts have become a significant challenge.

  • Employees are now disincentivized by having to wait for tips in either their weekly paycheck or their employer taking a trip to the bank.


The Solution:

  • XTM’s Today Card, mobile wallet tips and wage disbursement platform allows businesses to easily disburse their employees’ tips and wages instantly at the end of each shift.

  • Full POS integration allows for an automated solution with reporting and reconciliation.


Benefit to Employers:

  • A quick-to-market, free, turn-key solution

  • Simplifies distribution of tips and wages to workers

  • Time and cost savings

  • Track and reconcile employee tip disbursement easily and efficiently

  • Increased employee satisfaction and retention

Connect with our Finance Team


For details on how to exercise your warrants and options, or for general inquiries related to

investing in XTM Inc, please fill out the contact form below.

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.


Payments Canada invites XTM Inc. to speak on The PayPod:

How Retailers are Navigating New Economic Realities

Listen to our CEO Marilyn Schaffer share the floor with Wendy MacKinnon, CEO & Founder of Digital Retail Apps, to discuss how retailers and paytech players are adapting to meet the shift in purchasing habits.


NetCents Technology Enters Partnership with XTM INC.

NetCents Technology Inc. (CSE: NC) (FSE: 26N) (OTCQB: NTTCF) ("NetCents" or the "Company"), a...

PRESS RELEASE - July 3, 2020

XTM Onboards the 251st Franchised Salon

XTM’s automated data collection solution, integrated with the salons’ point-of-sale platform, is now paying out instant/daily cashless...

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