Accept Cards, Mobile Money, & Bank Links Across Africa
Integrate a single, highly-optimized payments gateway. Accept local card schemes, MTN, Telecel, AirtelTigo, and bank transfers in 8+ currencies. Complete with split payouts and instant local ledger settlements.
99.98%
API Gateway Uptime
8+ Currencies
GHS, NGN, KES, USD...
< 2.1s
Avg Momo Processing
Secure Checkout
Sendexa Limited · Payment Intent
Choose payment method
Mobile Money
MTN MoMo, Telecel Cash, AirtelTigo
Debit / Credit Card
Visa, Mastercard, Verve
Direct Bank Link
Instant settlement bank transfer
Payment Roadblocks
Processing African transactions shouldn't feel like rocket science
African commerce is localized, mobile-centric, and multi-currency. Traditional one-size-fits-all billing gateways simply weren't built for the continent.
Payment Fragmentation
Checkout drop-offs
More than 60% of checkout drop-offs in Africa occur when customers don't find their preferred local wallet (like MTN or Telecel) or local card schemes.
Liquidity Bottlenecks
Days to settle payouts
Traditional payment gateways lock your settled balances for up to 7 business days, creating massive working capital strain for high-velocity startups.
Distribution Overhead
Manual splits & audits
Writing scripts or handling manual spreadsheet distributions for vendor commissions, affiliates, and local payouts introduces human error and regulatory risk.
Xtopay solves this with a highly-optimized, direct bank payment architecture. Create account in 5 minutes →
Product Capabilities
Engineered for high-volume transactions
A solid infrastructure featuring redundancy at every layer. Settle payments with confidence, from small memberships to massive regional consumer platforms.
Unified Checkout
Accept Visa, Mastercard, Verve, MTN, Telecel, AirtelTigo and Direct Transfers in one sleek interface.
Flexible Splits
Automate complex payout logic. Split transactions instantly between multiple partner vendors or bank accounts.
Direct Bank Nodes
Direct server-to-bank node integration avoids third-party gateway bottlenecks, driving higher transaction success rates.
Multi-Currency Ledger
Accept and track payments in GHS, NGN, KES, UGX, ZAR, and USD. Settle funds directly into your wallet.
Fraud Radar Protection
Intelligent threat detection scans wallets, IPs, and historical transactions to halt fraudulent activity instantly.
Cryptographic Ledgers
All payments are logged in a tamper-proof cryptographic registry, guaranteeing audit accuracy for your accountants.
Processing transaction payloads made simple
Direct server-side API or rich SDK integrations handle card auth, Momo confirmation overlays, and bank-split payouts with simple, unified JSON responses.
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-emerald-400">class=400">"text-zinc-500">//api.xtopay.co/v1/payments \ -H 400">"Authorization: Bearer sec_live_..." \ -H 400">"Content-Type: application/json" \ -d '{ 400">"amount": 25000, 400">"currency": 400">"GHS", 400">"email": 400">"customer@example.com", 400">"payment_method": 400">"mobile_money", 400">"mobile_money": { 400">"phone": 400">"0551234567", 400">"provider": 400">"mtn" }, 400">"split": { 400">"account": 400">"acct_01HXYZ...", 400">"commission_bps": 500 } }'Response (200 OK)
{ "id": "pay_01HRZ1A...", "object": "payment", "amount": 25000, "currency": "GHS", "status": "success", "payment_method": "mobile_money", "reference": "xtp_ref_9823176", "customer": { "email": "customer@example.com" }, "split": { "account": "acct_01HXYZ...", "amount_settled": 1250, "commission_bps": 500 }, "created_at": "2026-05-28T01:06:30Z"}Ready to power high-fidelity payments?
Integrate Xtopay Payments into your checkout today. Experience industry-leading transaction success rates and same-day ledger settlements.