Introducing Xtopay: Billing Infrastructure Built for Africa

For the past two years, our team has been building fintech products across Ghana, Nigeria, and Kenya. Time after time, we ran into the same wall: the global billing infrastructure tools weren't built for how payments work in Africa. Currency volatility, mobile money dominance, fragmented banking rails, and the preference for prepaid credit models all demanded a different approach.

That wall is why we built Xtopay. Today, we're opening our doors to developers and businesses across Africa who are tired of stitching together incomplete solutions.

What Xtopay does

Xtopay is a billing and commerce infrastructure platform. At its core, it lets you accept payments, automate subscription billing, manage usage-based pricing, and sell digital products — all through a single developer-friendly API.

• Payments: Accept GHS, NGN, KES, XOF and 8 other African currencies via card, mobile money, and bank transfer.
• Subscriptions: Recurring billing with automatic dunning, pause/resume, and plan upgrades.
• Usage Billing: Meter any unit of consumption and bill at the end of each period.
• Credit Wallets: Prepaid balance systems for customers who prefer to top up rather than subscribe.
• Storefront: Hosted payment pages and checkout flows with zero frontend code required.

Built for how Africa actually works

We spent months talking to SaaS founders, marketplace operators, and digital product creators across the continent. The feedback was consistent: existing tools assume a credit-card-first world with stable currency and reliable banking APIs. Africa operates differently, and the infrastructure needs to reflect that.

Xtopay is built on the premise that the best billing infrastructure for Africa isn't a Western product with an Africa adapter — it's something designed here, for here.

This means native support for mobile money operators like MTN MoMo, Airtel Money, and M-Pesa. It means multi-currency ledgers that handle conversion transparently. It means credit wallet flows that match how customers in Lagos, Accra, and Nairobi actually prefer to pay.

What's next

We're starting with a private beta for a limited number of teams. If you're building a SaaS product, a marketplace, or a creator platform in Africa and you're done fighting your billing infrastructure, we'd love to have you on board.

Apply for access at xtopay.co. We'll be in touch within 48 hours.