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 and checkout, move your money with payouts, and run it all from one platform.
- Payment linksYour own xtopay.me link and QR code: MoMo and cards with no website or codeLearn more
- CheckoutA payment page with your name and colour, for MoMo and cardsLearn more
- PayoutsSettlement to your MoMo wallet or bank account, on your scheduleLearn more
- PlatformThe dashboard, records and team access every product comes withLearn more
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
Your payment link
xtopay.me/nanaskitchen
- 18 payments
Jollof party pack
GH₵350.00 fixed
- 6 payments
Catering deposit
From GH₵100.00
- 41 payments
Pay me
Any amount
Checkout
A checkout that looks like your business
Your customer picks MoMo or card, approves the payment on their phone, and you're paid.
- Your name, logo, colour and thank-you message
- MTN MoMo, Telecel Cash, AT Money, Visa and Mastercard
- Customers approve with their own MoMo PIN, on their own phone
pay.xtopay.co
Nana's Kitchen
Small chops tray
GH₵120.00
Pay with
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
Your customer pays
By MoMo or card, through your link or your checkout.
GH₵350.00 paid by MTN MoMo
- 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
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
Solutions
Built for the way you sell
At a counter, in a chat, online or at the door.
- Retail and hospitalityTake MoMo at the counter, on WhatsApp and before deliveryLearn more
- E-commerceA pay button for every product, and a checkout for every orderLearn more
- Freelancers and creatorsInvoice clients and get paid through your own linkLearn more
- Events and organizationsSell entry, collect dues and take contributionsLearn more
- Churches and charitiesOfferings, tithes and donations by MoMo, with every gift recordedLearn more
- Schools and PTAsPTA dues, excursions and fees, with a link for each paymentLearn more
- Salons and bookingsA deposit to hold each booking, and the rest on the dayLearn more
- Transport and deliveryFees paid before dispatch or at the door, with no cash to carryLearn more
Developers
Payments in a few lines of code
The Xtopay API will let your website create checkouts, look up payments and hear about each one through signed webhooks.
curl https://api.xtopay.co/v1/checkouts \ -H "Authorization: Bearer sk_test_…" \ -d '{ "amount": 350, "reference": "order_1042" }'The API is in development. Payment links work today.