Predictable Pricing For African Innovation
No hidden fees or locked contracts. Choose a plan tailored to your volume, with local payment rails native to cards and Mobile Money.
Starter
Free TierIdeal for solo builders, side projects, and early-stage startups.
Local Fees
1.5%
International
2.9% + $0.30
- Free up to $2,000 processed monthly
- Cards & Mobile Money checkout links
- Hosted checkout pages
- Basic subscription management
- Webhooks & basic event logs
- Standard email support
Growth
RecommendedFor scaling ventures requiring metered billing and custom domains.
Local Fees
1.2%
International
2.4% + $0.30
- $10,000 volume processing included
- Everything in Starter included
- Usage-metering API (real-time ingestion)
- Multi-tenant checkout domain hooks
- Smart automated dunning engine
- Custom PDF invoicing & branding
- Priority Slack channel support
Enterprise
Platform ScaleFor banks, high-volume platforms, and custom sub-ledger needs.
Custom Plan
Local Fees
From 0.8%
International
Custom flat-rate
- Unlimited custom processing volume
- Everything in Growth included
- Cryptographic double-entry ledger audits
- Custom SLA & bank payout routing
- White-label tenant sub-ledgers
- Dedicated account manager & 24/7 pager
- On-premise sandbox deployments
Interactive Cost Tool
Estimate your processing fees
Slide the controller below to select your estimated monthly volume in USD. See how Xtopay scales dynamically to save your margins compared to standard 2.5% gateways.
Xtopay Rate Metrics
1.2% local flat
$10k free volume included
Standard Gateways
2.5% transaction average
No free volume thresholds or splits
$209
$29/mo base plan fee + $180 local transaction fees
$625
$416 / mo
Transparent Spreads
Transaction fees by payment type
No complex contracts or variable spreads. We aggregate local payment infrastructure into a single flat transaction rate. Only pay when you get paid.
Mobile Money
Accept MTN MoMo, Airtel Money, Telecel, M-Pesa, and Orange Money across 15+ countries.
Local Cards
Accept Visa, Mastercard, and Verve debit/credit cards issued by local African banking institutions.
Local Bank Transfers
Accept transfers through NIBSS (Nigeria), GhIPSS (Ghana), RTGS and automated local clearing routes.
International Cards
Accept international card payments globally in USD, EUR, and GBP with auto-conversion to local currency.
Clear Answers
Frequently Asked Questions
Got questions about integration speeds, wallet structures, or exchange fees? Explore common details below or talk to our checkout engineering team.
No. There are no setup fees, hidden charges, or minimum contractual durations on our Starter plan. Our Growth plan operates on a flexible $29 monthly tier that you can upgrade, downgrade, or cancel anytime.