Conversion-Ready Hosted Checkout
Launch high-conversion payment checkouts without coding complex multi-currency inputs or multi-step payment logic. Brand it to match your color schemes, support mobile money natively, and redirect users back seamlessly.
35%+
Checkout Conversion Lift
Zero
PCI-DSS compliance scope
99.9%
Card/Momo Authorization Success
Pay sendexa.com
Merchant checkout · Order #32901
Customer details
colins@sendexa.com · Accra, Ghana
Checkout Friction
Custom billing checkouts are an engineering bottleneck
Why spend weeks building payment forms? Xtopay provides secure, conversion-optimized checkout links and responsive payment widgets.
Checkout Drop-Offs
Abandonment at checkout
Sluggish loading speeds and poorly configured wallet inputs trigger a massive 70%+ drop-off rate during critical user conversion stages.
Integration Overhead
Weeks of billing code
Manually building multi-currency displays, error validation states, and SMS confirmation screens eats up valuable developer sprints.
Compliance Burden
Strict PCI audits
Accepting card numbers directly on your server places you inside strict PCI-DSS audit scope, costing thousands in yearly assessments.
Xtopay cuts PCI-DSS scope to zero by securely processing card auth off your servers. Create developer account →
Product Capabilities
Optimized for pure transaction velocity
A secure checkout widget designed to optimize payment rates. Keep developers focused on creating product logic while we handle checkout flows.
Brand Customization
Personalize checkouts. Inject your brand colors, custom logos, domain names, and font structures instantly.
Dynamic Locales
Displays custom payment forms based on your customer's country, highlighting MTN MoMo, Telecel Cash, or local cards.
Zero PCI-DSS Scope
Card credentials are collected directly by Xtopay secure components, reducing your compliance audit checklist to zero.
Cross-Border FX
Show local prices to international buyers. Let clients buy in GHS while settling USD directly into your ledger.
Dunning Recovery
If a card is declined, our checkout allows buyers to switch to Mobile Money or select an alternative backup card instantly.
Checkout Analytics
Track precise funnel statistics: click-through rates, field completion times, and direct checkout abandonment points.
Checkout redirection in one API request
Avoid building forms. Simply hit our REST API to generate a session link, redirect your buyers, and track webhooks when they successfully pay.
Native API support
HTTP REST API with clean payloads
Webhook integrations
JSON webhooks with signature security
Strictly typed SDKs
Types for JS, Python, Go, and PHP
Request Payload
curl -X POST https:400">"text-rose-400">class=400">"text-zinc-500">//api.xtopay.co/v1/checkout-sessions \ -H 400">"Authorization: Bearer sec_live_..." \ -H 400">"Content-Type: application/json" \ -d '{ 400">"success_url": 400">"https:400400">">class="text-zinc-500400">">//example.com/success", 400">"cancel_url": 400">"https:400400">">class="text-zinc-500400">">//example.com/cancel", 400">"line_items": [{ 400">"price_data": { 400">"currency": 400">"GHS", 400">"product_data": { 400">"name": 400">"Growth Package" }, 400">"unit_amount": 12000 }, 400">"quantity": 1 }] }'Response (200 OK)
{ "id": "cs_01HYS6D...", "object": "checkout_session", "success_url": "https://example.com/success", "cancel_url": "https://example.com/cancel", "url": "https://checkout.xtopay.co/pay/cs_01HYS6D...", "line_items": [ { "price_data": { "currency": "GHS", "product_data": { "name": "Growth Package" }, "unit_amount": 12000 }, "quantity": 1 } ], "status": "open", "created_at": "2026-05-28T01:08:20Z"}Ready to maximize payment conversions?
Deploy our beautiful, customizable hosted checkouts to your buyers today. Keep your payment flows fast and secure.