Building the Future of African Payments
Xtopay is revolutionizing digital payments across Africa with secure, scalable solutions tailored for businesses of all sizes.
Empowering African Businesses Through Innovative Payments
At Xtopay, we’re committed to removing payment barriers and enabling financial inclusion across Africa. Our mission is to provide secure, affordable, and accessible digital payment solutions that fuel economic growth.
Enable seamless cross-border transactions
Make payment solutions accessible to all
Reduce transaction costs for SMEs
Build infrastructure for the next generation of African commerce
Our Core Values
These principles guide every decision we make at Xtopay.
Inclusion
We design for all Africans, ensuring our solutions work for both urban and rural users.
Integrity
We build trust through transparency, ethical business practices, and accountability.
Security
Safeguarding our users' data and funds is our top priority—always.
Innovation
We embrace bold ideas to solve Africa’s payment challenges with modern solutions.
Our Story
From humble beginnings to becoming a pan-African payment leader
Founded in Ghana (Volta Region)
Xtopay was launched with a bold vision to simplify cross-border payments and empower African businesses.
Founded in Ghana (Volta Region)
Xtopay was launched with a bold vision to simplify cross-border payments and empower African businesses.
Accepted into UNICEF Startup Lab (Cohort 5)
Recognized as one of Ghana's most promising startups. Received expert mentorship, funding support, and access to a network of social innovators.
Accepted into UNICEF Startup Lab (Cohort 5)
Recognized as one of Ghana's most promising startups. Received expert mentorship, funding support, and access to a network of social innovators.
Strategic Partnership with Sendexa
Integrated advanced communication tools (SMS, OTP, Email, voice) through Sendexa, enhancing security and reliability for all payment flows.
Strategic Partnership with Sendexa
Integrated advanced communication tools (SMS, OTP, Email, voice) through Sendexa, enhancing security and reliability for all payment flows.
Joined MojoPay Fintech Incubator
Accelerated product development and go-to-market execution through dedicated mentorship and infrastructure support.
Joined MojoPay Fintech Incubator
Accelerated product development and go-to-market execution through dedicated mentorship and infrastructure support.
0M+
Transactions processed
1+
African countries supported
0K+
Businesses empowered
99.9%
System uptime
Executive Team
Leading the future of fintech and inclusive digital infrastructure in Africa.
Collins Joe
Co-Founder & CEO
Frontend engineer and product lead focused on building modern, user-friendly fintech experiences across Africa. Drives the vision behind Xtopay and Sendexa.
Ethel Akorfa Agama
Executive Director, Gender Equality & Social Impact
Leads social impact and gender-focused initiatives, ensuring Xtopay builds inclusive, equitable products aligned with the UN SDGs.
Kane Vidzro
Co-Founder & Backend Engineer
Backend engineer focused on building secure, scalable infrastructure for Xtopay’s core systems and APIs.
Our Culture
The values that unite our diverse team across Africa.
Collaborative Spirit
We believe in working together across teams and borders.
Continuous Learning
Every challenge is an opportunity to grow.
Customer Obsession
We start with customer needs and work backward.
Bold Innovation
We're not afraid to challenge the status quo.
Trusted By Leaders
Partnerships and recognition that drive our mission forward.
Strategic Partners
