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xtopay
NewThe Xtopay API is live: checkouts, transfers and signed webhooks

For businesses and individuals in Ghana

Get paid by
MoMo, card, a link, a QR code

in minutes.

Accept MTN MoMo, Telecel Cash, AT Money and cards with your own payment link and a hosted checkout. Xtopay keeps your balance and pays it out to your MoMo wallet or bank.

Create your free account See how it works

Free to sign up. You pay a small fee on each payment.

Payment received

GH₵350.00 from Ama Mensah · MTN MoMo

NK

Nana's Kitchen

xtopay.me/nanaskitchen

Jollof party pack (serves 10)

GH₵350.00

024 ••• 4821MTN
Pay GH₵350.00

Secured by Xtopay

Your customers pay the way they already do

  • MTN MoMo
  • Telecel Cash
  • AT Money
  • Visa and Mastercard

Products

Everything you need to get paid

Accept payments with links, pages, invoices and checkout. Move money with payouts and transfers. Run it all from one platform.

How the products fit together

Payment links

Your own link: xtopay.me/you

Pick a username and you have a link anyone can pay. Send it on WhatsApp, put it in your bio, or print it for your counter.

  • Let customers pay any amount, or set the price
  • A QR code for your counter, your stall or your menu
  • See who paid, and how much, as it happens
More on payment links

Your payment link

xtopay.me/nanaskitchen

CopyQR codeShare

  • Jollof party pack

    GH₵350.00 fixed

    18 payments

  • Catering deposit

    From GH₵100.00

    6 payments

  • Pay me

    Any amount

    41 payments

Payment pages

A page for your menu, your event or your cause

When one price isn't enough, give it a page. Customers choose what they want, answer your questions and pay once.

  • Products with pictures, prices and stock
  • Event tickets with QR codes, checked in at the door
  • Donations with a goal everyone can see
More on payment pages
NK

Nana's Kitchen

xtopay.me/nanaskitchen/lunch

Lunch from Nana's

  • Waakye bowl

    GH₵35.00 · 4 left

    2

  • Jollof with chicken

    GH₵45.00

    1

  • Sobolo, 1 litre

    GH₵15.00

    0
Total for 3GH₵115.00
Pay GH₵115.00

Checkout

A checkout your customers can trust

Every link, page and invoice ends here, and so can your own website. Your customer picks MoMo or card, approves on their phone, and you're paid.

  • Your business name and logo on every payment
  • MTN MoMo, Telecel Cash, AT Money, Visa and Mastercard
  • Customers approve with their own MoMo PIN, on their own phone
More on checkout

pay.xtopay.co

NK

Nana's Kitchen

Small chops tray

GH₵120.00

Pay with

MoMo Card
MTNTelecelAT
024 123 4567
Pay GH₵120.00

MTN MoMo

Pay GH₵120.00 to Nana's Kitchen? Enter your PIN to approve.

How money moves

From your customer's phone to your wallet

Three steps, and you can see each one in your dashboard.

  1. 1

    Your customer pays

    By MoMo or card, through your link, page, invoice or website.

    GH₵350.00 paid by MTN MoMo

  2. 2

    It lands in your balance

    Minus Xtopay's fee. Every payment shows the amount, the fee and what you keep.

    Pending, then available

  3. 3

    You get paid out

    To your MoMo wallet or bank account, on a schedule you choose or whenever you ask.

    Paid to MTN MoMo 024 ••• 4821

More on payouts

Solutions

Built for the way you sell

At a counter, in a chat, online or at the door.

Developers

Payments in a few lines of code

Your website creates a checkout for each order, your system sends money to the people you pay, and signed webhooks tell you how each one went.

  • Checkouts, direct MoMo charges and transfers
  • Links, pages, invoices and customers
  • Signed webhooks, test keys and IP allowlists
See the API
Create a checkout
curl https://api.xtopay.co/v1/checkouts \  -H "Authorization: Bearer sk_test_…" \  -H "Content-Type: application/json" \  -d '{    "amount": 350,    "description": "Jollof party pack",    "reference": "order_1042"  }'

What people ask first

Who can use Xtopay?
Businesses and individuals in Ghana. Sign up as a business, or just as yourself if you sell on your own.
Which payments can I accept?
MTN MoMo, Telecel Cash and AT Money, plus Visa and Mastercard cards.
How do I get my money?
Your balance is paid out to your MoMo wallet or bank account, on a schedule you choose or whenever you ask.
What does it cost?
Signing up is free. You pay a small fee on each successful payment, and every payment shows the amount, the fee and what you keep.
Can my team use it too?
Yes. Invite people as admins, developers or viewers. Each signs in with their own account, and you can require two-step sign-in for everyone.
Can I send money as well as receive it?
Yes. Payouts send your balance to your own MoMo wallet or bank account, and transfers let your system pay other people through the API.