Optimized for Scale

Seamless Payments with Transparent Pricing

Xtopay gives you full control over how you process payments — from mobile money to cards — without hidden fees or rigid plans. Enjoy flexible, usage-based pricing tailored to how you grow.

Transparent Pricing You Can Trust

We only charge 1.95% per withdrawal — no hidden fees, ever.

You’ll Receive

GHS 98.05

Xtopay Takes

GHS 1.95

Based on our fixed 1.95% withdrawal fee.