Xis
B2B SOFTWARE UTILITY • 100% CARD-PRESENT TAP-TO-PAY ONLY

The Compliant Doorstep Payment Bridge for Licensed Pharmacies

Xis provides B2B integration software linking delivery company dispatch portals directly to verified, physical-location pharmacy merchant accounts. We do not sell pharmaceuticals, operate an online web store, or handle remote e-commerce checkout. All transactions are 100% face-to-face, card-present NFC Tap-to-Pay executions.

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MCC 5912 Direct
PIPEDA & PHIA
PCI-DSS Level 1
License-Gated
Express Fleet App
RX #884102
Patient Delivery
Arthur Pendelton
742 Portage Ave, Unit 4B, Winnipeg
Copay Amount Due
$24.50 CAD
Unpaid

Deep-link initiates direct NFC Tap-to-Pay under Pharmacy MCC 5912 via Xis protocol.

Zero PHI Stored On Courier Device
HOW OUR B2B SOFTWARE BRIDGE OPERATES

Seamless Delivery Portal Integration

Xis connects delivery dispatch apps directly with pharmacy payment processors via secure deep-linking, preserving essential medical MCC codes without money-transmission liability.

01

Order Entry in Dispatch Portal

The licensed pharmacy enters prescription copay totals directly inside the delivery company's dispatch portal. No online payment links or web checkouts are used.

02

Secure Deep-Link Handshake

The delivery portal triggers a secure mobile deep-link or API call to the driver’s mobile device through Xis protocol, passing only non-health transaction data and charge amounts.

03

In-Person Doorstep Tap-to-Pay

The driver’s smartphone acts as an NFC terminal. The patient taps their card or mobile wallet face-to-face at the doorstep (100% Card-Present).

04

License-Gated Direct Settlement

Our system programmatically verifies the pharmacy’s active operating license before routing funds directly into the pharmacy’s own merchant account under MCC 5912.

DUAL-SIDED VALUE

Engineered for Pharmacies & Logistics Fleets

FOR INDEPENDENT & RETAIL PHARMACIES

Retain Direct Merchant Control on Every Delivery

  • ✓
    Direct Merchant Settlement (MCC 5912): Every transaction routes directly through your independent pharmacy merchant account via direct merchant processing. Funds never touch courier wallets or aggregator accounts.
  • ✓
    Full HSA / FSA Card Approval: Because payments maintain your verified pharmacy Merchant Category Code (MCC 5912), patient health spending account cards approve seamlessly at the door.
  • ✓
    Automated PMS Webhook Sync: Transmit encrypted payment confirmation tokens directly back to your Pharmacy Management System (PMS) to automatically reconcile invoices in real time.
  • ✓
    Programmatic License-Gating: Activation is restricted to physical retail pharmacies with active provincial board credentials (e.g., College of Pharmacists of Manitoba / Ontario).
FOR DELIVERY FLEETS & LOGISTICS FLEETS

Offer Doorstep Copay Collection With Zero Merchant Liability

  • ✓
    Zero Money-Transmitter Liability: Logistics companies do not hold, aggregate, or distribute medical payment funds, keeping your courier fleet insulated from financial regulations.
  • ✓
    Hardware-Free Tap-to-Pay: Convert driver smartphones into secure NFC payment terminals using our lightweight iOS and Android SDK wrappers—no Bluetooth card readers required.
  • ✓
    Clean Carrier Status (PIPEDA / PHIA): Our deep-link scheme isolates financial transaction metadata from delivery logs, ensuring your drivers never view or store Protected Health Information (PHI).
ISV ARCHITECTURE

Xis Mobile Deep-Link Protocol

Seamlessly trigger doorstep payment overlays from any custom logistics dispatch app via URI scheme.

xis_payload_example.json
{
  "protocol": "xis://pay",
  "request_payload": {
    "order_id": "DEL-884102",
    "copay_amount_cad": 24.50,
    "pharmacy_merchant_account_id": "acct_1NxPharmacy104",
    "allowed_methods": ["nfc_card_present", "apple_pay", "google_pay"],
    "callback_url": "fleetapp://delivery-complete"
  },
  "compliance_flags": {
    "mcc_override": "5912",
    "card_present_only": true,
    "phi_transmission": false
  }
}

Lightweight SDK Integration

Deep-Link Handoff: The driver's logistics app calls xis://pay with the charge amount and pharmacy account identifier.

Isolated NFC Execution

100% Card-Present: The Xis native overlay launches a contactless Tap-to-Pay screen directly on the courier device.

Encrypted Callback

Instant PMS Webhook: Once the tap completes, the SDK fires authorization confirmation directly back to the dispatch app and PMS system before closing.

ABOUT XIS

Modernizing Doorstep Pharmacy Logistics

Founded in Winnipeg, MB, Canada, Xis Innovation Corp. provides essential B2B financial utility infrastructure for community dispensaries and healthcare couriers across Canada.

Our Mission

To empower licensed community pharmacies to deliver medication securely to patients' doorsteps while maintaining total control over their financial settlement, card-present rates, and regulatory compliance.

Headquartered in Winnipeg

Operating out of Winnipeg, MB, Canada, our team understands the logistical realities of Canadian pharmacy operations, provincial health privacy guidelines (such as PHIA and PIPEDA), and provincial pharmacy board credentialing.

Platform Gatekeeper Role

We serve exclusively as a non-MoR B2B software utility. By automating provincial license checks before linking pharmacy accounts, we maintain a secure ecosystem for patients, dispensaries, and couriers.

TRANSPARENT B2B UTILITY PRICING

Simple, Scalable B2B SaaS Tiers

No hidden merchant markups. Software fees cover API infrastructure and license gating.

INDEPENDENT PHARMACIES

Pharmacy Starter

$9.99/month

+ $0.78 per doorstep tap

  • ✓ 1 Pharmacy Location
  • ✓ Up to 5 Courier App Connectors
  • ✓ Direct Merchant Processing (MCC 5912)
  • ✓ Provincial License Verification
Most Popular
REGIONAL CHAINS

Pharmacy Professional

$4.99/month

+ $0.78 per doorstep tap

  • ✓ Minimum 5 Pharmacy Locations
  • ✓ Unlimited Courier Fleets
  • ✓ Automated PMS Webhook Sync
  • ✓ Dedicated Account Manager
LOGISTICS FLEETS

Enterprise Logistics

Custom

Volume-based API pricing

  • ✓ Enterprise Dispatch SDK Wrappers
  • ✓ Multi-Pharmacy Account Routing
  • ✓ Zero Money-Transmitter Liability
  • ✓ Custom Deep-Link Protocols
MERCHANT UNDERWRITING & RISK COMPLIANCE

Regulatory & Payment Utility Disclosures

Explicit definitions clarifying platform status as a non-MoR software utility for MCC 5912 compliance.

LegitScript & Internet Pharmacy Regulatory Status

Xis Innovation Corp. is an Independent Software Vendor (ISV) offering doorstep POS terminal integration. Xis Innovation Corp. does not market, solicit, take orders for, or dispense prescription pharmaceuticals over the internet, nor does it operate an online/e-commerce checkout portal. Because 100% of transactions are conducted strictly face-to-face as Card-Present (CP) NFC Tap-to-Pay terminal transactions by licensed local pharmacies, Xis Innovation Corp. is exempt from Internet Pharmacy / Mail-Order Pharmacy regulations and LegitScript e-commerce certification requirements.

1. Non-Merchant of Record (non-MoR) Legal Status

Xis Innovation Corp. operates strictly as an Independent Software Vendor (ISV) providing mobile deep-linking infrastructure. Xis Innovation Corp. is not a pharmacy, wholesale drug distributor, e-commerce storefront, or financial aggregator. All customer credit/debit card transactions are executed directly between the patient and the physical pharmacy's merchant account via direct merchant processing.

2. 100% Physical Card-Present (CP) Point-of-Sale

Xis Innovation Corp. does not support remote web payments or card-not-present (CNP) e-commerce processing. Every transaction executed through the Xis SDK requires physical NFC Tap-to-Pay contact at the patient's doorstep, qualifying all transactions for terminal point-of-sale processing under Pharmacy Category Code (MCC 5912).

3. Mandatory Provincial License-Gating

Sub-account activation is programmatically restricted to verified physical retail dispensaries. Xis Innovation Corp. requires proof of active licensing from provincial governing bodies (such as the College of Pharmacists of Manitoba or Ontario) prior to onboarding sub-accounts.

4. Health Data Privacy Isolation (PIPEDA / PHIA)

The Xis deep-link scheme isolates payment tokenization from patient medical records. Drivers view only non-PHI financial payloads (order ID and copay total due). Zero Protected Health Information (PHI) is stored or processed on courier mobile devices.

GET IN TOUCH

Contact Xis Innovation Corp.

Have questions about integrations, compliance, or fleet deployment? Send us a message below.

HEADQUARTERS & COMPLIANCE

Xis Innovation Corp.

B2B Software Infrastructure Utility for Canadian Retail Pharmacies and Delivery Fleets.

Location
Winnipeg, MB, Canada
Compliance & Legal Inquiries
contact@xispayment.com
Phone Number
+1(204)-558-8540
Payment Model
100% Card-Present Tap-to-Pay (MCC 5912)
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