Our Story

Building the Future of African Payments

Xtopay is revolutionizing digital payments across Africa with secure, scalable solutions tailored for businesses of all sizes.

Our Mission

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

African map with payment connections

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

🚀
2025

Founded in Ghana (Volta Region)

Xtopay was launched with a bold vision to simplify cross-border payments and empower African businesses.

🌍
2025 Q1

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.

📡
2025 Q1

Strategic Partnership with Sendexa

Integrated advanced communication tools (SMS, OTP, Email, voice) through Sendexa, enhancing security and reliability for all payment flows.

💡
2025 Q2

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

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

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

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

Afreximbank
Flutterwave
Ecobank
MTN
Visa