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xtopay

Get paidby MoMo.

And by card, through your own link, pages, invoices and checkout. Paid out to your MoMo wallet or bank.

Create your free accountTry your link

What your customers see

No app and no account. They open your link on their phone, pay by MoMo or card, and they're done. These are the real screens.

  1. Nana's Kitchen's pay page, xtopay.me/nanaskitchen: the amount, the customer's name and phone, and a Pay button

    Your link

    They open xtopay.me/you, enter the amount and who they are.

  2. A payment page with products: two waakye and a jollof chosen, with the total

    Or your page

    Your menu, your tickets or your cause: they choose, and answer your questions.

  3. The checkout: Mobile Money chosen, with the phone number and network, and a Pay button

    The checkout

    MoMo or card. MoMo is approved with their own PIN, on their own phone.

  4. The receipt: payment successful, with the business's thank-you and the payment's details

    Paid

    They see your thank-you. You see the payment, and the money joins your balance.

Everything Xtopay does

Six products for two jobs, taking payments and moving money, and the dashboard they share. Each works on its own, so start with the one you need.

How they fit together

Accept payments

Move money

With every product

Run it all from one dashboard

What you can pay out, what's still pending, today's sales and the last 30 days, the moment you sign in.

app.xtopay.co/overview
The Xtopay dashboard's overview: the balance available to pay out, today's sales, and sales for the last 30 days
The dashboard's overview on a phone

Two ways to pay you

No app to install and no account to open. Your customers pay from the phone in their hand, with the money they already use.

Mobile money

MTN MoMo, Telecel Cash and AT Money. They approve with their own PIN, on their own phone.

Cards

Visa and Mastercard. They type the card on the card provider's secure page, never on Xtopay's.

How money moves

MTN MoMo

Pay GH₵350.00 to Nana's Kitchen? Enter your PIN to approve.

•••

Ama Mensah · 024 ••• 4567

  1. First, they pay from their phone.

    MoMo with their own PIN, or a card on the card provider's page. They don't need an account.

  2. Then it's checked, and it's yours.

    Xtopay asks the provider before it marks a payment paid. You see who paid, how and for what, and it joins your balance.

  3. Then it's paid out to you.

    Your balance goes to your MoMo wallet or bank account, on the schedule you choose or whenever you ask.

Built to be trustedwith money

How Xtopay keeps money safe
Money inPaymentsMarked paid only after Xtopay has asked the payment provider, never on a message alone.For you
Card numbersTyped only on the card provider's secure page, never on Xtopay's.For your customers
Money outPayout accountsOnly the owner adds them. The registered name is looked up first, and the owner confirms with their password.For you
A new payout accountWaits 24 hours before anything can be paid to it, and every change is emailed to the owner.For you
Your accountSigning inTwo-step sign-in with an authenticator app. Owners must use it, and can require it of the whole team.For your team
Withdrawals and live keysAsk for a fresh code from your authenticator app, even when you're signed in.For you
Live API keysCan be locked to your own servers' IP addresses.For your developers

Built for the way you sell

See every solution

Every account comes with

Getting paid

  • Your own linkxtopay.me/you
  • QR codesFor your counter
  • Payment pagesMenus, tickets, causes
  • InvoicesWith Ghana's taxes
  • The checkoutYour name and logo

Your money

  • Your balancePending, then available
  • PayoutsTo MoMo or bank
  • Every paymentSearchable, exportable
  • InsightsWho visits, who pays

Your team

  • RolesAdmin, developer, viewer
  • Two-step sign-inAuthenticator app
  • EmailsEvery payment and payout
  • The APITest and live keys
See the platformSee the API

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.