Signing up, and your own link
Your account, your xtopay.me link and its QR code cost nothing, and there's no monthly fee.
No setup fee · No monthly fee
Keep yourwhole price
Your customers pay a small fee. You get every cedi you asked for.
1.95% by MoMo or 2.9% by card, added to what they pay and shown before they pay. Rather pay it yourself? Choose that in your Checkout settings, or link by link.
- No setup or monthly fee
- Nothing when a payment fails
- You choose who pays the fee
Nana's KitchenJollof party packMTN MoMo
- Amount
- GH₵350.00
- Fee (1.95%)
- GH₵6.83
- Total to pay
- GH₵356.83
Four prices, and that's all
No setup fee, no monthly fee and nothing per person on your team. A payment's fee is your customer's to pay unless you take it on, and nothing is charged when a payment fails.
- MoMo payments1.95%of each successful payment
- MTN MoMo, Telecel Cash and AT Money
- Paid by your customer, or by you
- Card payments2.9%of each successful payment
- Debit and credit cards
- Paid by your customer, or by you
- Payouts0.5%of each payout, never more than GH₵50.00
- To your MoMo wallet or bank
- On your schedule or when you ask
- TransfersGH₵1for each one you send, whatever the amount
- To any MoMo wallet or bank account
- Sent from your balance
Prices in Ghana cedis. Every fee is worked out on its own payment, payout or transfer, to the nearest pesewa.
Work out your fees
Worked out the way your dashboard does: on each payment and each payout, to the nearest pesewa. Your customers pay the fee unless you choose to, for everything or link by link.
One payment
GH₵
- Your price
- GH₵350.00
- Fee (1.95%), added
- +GH₵6.83
- They pay
- GH₵356.83
- Joins your balance
- GH₵350.00
If the payment fails, there's no fee.
A month
GH₵20,000.00
GH₵5,000.00
- Payment feesYour customers paid GH₵535.00 on top
- GH₵0.00
- 4 payouts of about GH₵6,250.000.5% each, GH₵31.25
- GH₵125.00
- What you pay Xtopay
- GH₵125.00
0.50% of your sales. No monthly fee on top.
In your MoMo or bankGH₵24,875.00
Create your free account
An estimate: your dashboard works out each fee on its own payment and payout. Transfers you send cost GH₵1.00 each.
Where every cedi goes
A GH₵350.00 order paid by MoMo, all the way to your wallet. Your dashboard shows each step on every payment and payout, and you can export them all.
- Your customer paysGH₵356.83GH₵350.00, and the 1.95% MoMo fee
- Xtopay's fee−GH₵6.83The part your customer added
- Joins your balanceGH₵350.00Your whole price
- Payout fee−GH₵1.740.5%, when you take it out
- In your MoMoGH₵348.26Everything, to the pesewa
Paying the fee yourself instead? Your customer pays GH₵350.00, and GH₵343.17 joins your balance.
Everything else is free
Every product, the dashboard, your whole team and the API come with your account, whether you take one payment a month or a thousand a day.
You choose who pays the fee
Your customers, on top of the price, shown before they pay. Or you, out of it: for every payment, or link by link.
Every product
Payment links, payment pages, invoices, the checkout, QR codes and direct charges. No product has its own fee.
The dashboard and Insights
Payments, customers, balances, reports and exports.
Your whole team
Invite as many people as you need. Nothing per person.
The API, webhooks and test mode
Build and test with test keys for as long as you like: test payments move no money and cost nothing.
Anything that fails
A failed payment costs nothing. A failed payout or transfer gives back its money and its fee.
The details
| Who pays a payment's fee | Your customers, on top of your price, unless you choose to pay it yourself: in your Checkout settings for everything, or link by link. The checkout shows them the fee and the total before they pay, and their receipt shows both. |
| When fees are taken | A payment's fee when it succeeds, before the money joins your balance. A payout's or transfer's comes off your balance with it, so the whole amount arrives. Those two are always yours. |
| Everything's included | What the MoMo networks, the banks and our payment partner charge is in our fees. Nothing is added on top, for you or your customers. |
| To the pesewa | Each fee is worked out on its own payment, payout or transfer, to the nearest pesewa. There's no minimum fee. |
| When something fails | A failed payment costs nothing. A payout or transfer that fails, or is declined, gives back its money and its fee. |
| Payouts' ceiling | 0.5% of a payout, until it reaches GH₵50.00 on a payout of GH₵10,000.00. Bigger payouts cost GH₵50.00. |
| Test mode | Free. Test payments, payouts and transfers move no money. |
| Refunds | On the way. How their fees work will be on this page before they are. |
| Subscriptions | In development. Each payment will be priced like any other: 1.95% by MoMo, 2.9% by card. |
| Virtual cards | In development. Their prices will be on this page before they're here. |
| If prices change | We email the business's owner before a change takes effect, as our Terms say. |
Questions
Is there a monthly fee?
No. Signing up and keeping your account are free. You pay only when money moves.
Who pays the fee, me or my customer?
Your customer, unless you choose to: 1.95% by MoMo or 2.9% by card is added at the checkout, shown before they pay, and you get your whole price. Pay it yourself instead in your Checkout settings, for everything or for particular links.
Do I pay for failed payments?
No. Only successful payments have a fee, for you or your customer.
How do I keep payout fees down?
A payout costs 0.5%, but never more than GH₵50.00, so payouts over GH₵10,000.00 all cost GH₵50.00. If you take a lot, fewer, bigger payouts cost less.
Are there network or bank charges on top?
No. What the MoMo networks, the banks and our payment partner charge is in our fees, so the prices here are all you or your customers pay.
Does a big transfer cost more?
No. Every transfer costs GH₵1.00, whether it's GH₵10 or GH₵10,000.
Where can I see what I've paid?
Every payment and payout in your dashboard shows its fee, and you can export them all.