Meet
XTM Inc.

XTM INC.

GROUP

Who we are

XTM is a Miami and Toronto-based fintech innovator in the neo-banking space, helping businesses and service workers in the hospitality and personal care space disseminate and access earned wages and gratuities. XTM's Today™ Solution, comprised of a free mobile app and a Visa or Mastercard debit card with free banking features, is used by thousands of restaurants, salons and staff across Canada and the United States.

XTM is a global card issuer and real-time payment specialist and our technology is used by Restaurants and Salons at no charge to automate and expedite worker payouts and eliminate cash from their ecosystems. XTM's Today solution drives enterprise value with efficiency and a bespoke user experience designed specifically for restaurateurs and personal care services.

We come to work ready to...

Act like an owner

Think like an owner

Improve like an owner

Move like an owner

Why XTM?

We're a company that provides practical payment solutions, consistently & efficiently. Think you've got a problem we can solve? Let's collaborate!

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Mission

Go-to innovator and market for customized payment ecosystems.

Vision

Create growth and opportunity for best-in-class business.

Meet our team of leaders & innovators

Marilyn Schaffer

CEO

Paul Dowdall

CFO

Our team is filled with passionate individuals who put their best resources forward. Everyone carries their own diverse backgrounds whether it’s professional, financial, or creative based experiences. Our office culture is solution based, collaborative, with a hustle-oriented attitude. Our weekly team meetings are meant for transparency, improvement, communication, and sometimes gourmet doughnuts.