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Xtopaypowered by Sendexa

Products

Everything between your customer's phone and your wallet

Nine products and one platform they share. Each product works on its own, so start with the one you need.

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Every product

From the page your customers pay on to the money you send out.

  • Online checkout

    One secure page for MoMo, cards and every way to pay

    Best for: Businesses whose customers should pay somewhere they recognise and trust.

    • Your business name and logo on every payment
    • MoMo on all three networks, and cards, on one page
    • MoMo approved with the customer's own PIN, on their phone
    • One API call from your website for each order
    • Coming: GhQR, bank transfer, USSD, wallets like G-Money and Hubtel, and crypto

    pay.xtopay.co

    More on online checkout

  • Payment links

    Your own xtopay.me link and QR code, no website needed

    Best for: Anyone who needs to get paid today, not next sprint.

    • Your own xtopay.me link, and links with a fixed price or any amount
    • Ask what you need: a size, a date, an order number
    • A QR code in your colour, with your logo, ready to print
    • MTN MoMo, Telecel Cash, AT Money, Visa and Mastercard
    • Insights: where your visitors come from, and who pays

    xtopay.me/you

    More on payment links

  • Invoicing

    Send invoices that customers pay by MoMo or card

    Best for: Freelancers, agencies and suppliers who bill for their work.

    • Line items, a discount, and VAT, NHIL and GETFund in a tap
    • Sent by email in your business's name, or shared as a link
    • Reminders on the due date, and three days after
    • Marked paid the moment it's paid, and ready to print

    INV-0042 · xtopay.me/i/…

    More on invoicing

  • Direct charges

    Charge MoMo from your system with a PIN prompt

    Best for: Apps, call centres and businesses that already have their customer's number.

    • A MoMo PIN prompt on MTN, Telecel or AT, from one API call
    • Test keys that move no money, to build against
    • A signed webhook the moment it's paid
    • Your own reference on every charge, and no double charges on a retry

    POST /v1/charges

    More on direct charges

  • Payouts and transfers

    Get paid out on your schedule, and send money to anyone

    Best for: Every Xtopay business, and those that pay many people: riders, agents, suppliers.

    • Daily, weekly or on-request payouts to your MoMo wallet or bank
    • Transfers from your balance to any MoMo wallet or bank account: from the dashboard, a spreadsheet or the API
    • Registered names checked before money moves
    • Limits per transfer and per day, and big transfers wait for the owner

    MoMo wallet · Bank

    More on payouts and transfers

  • Subscriptions

    In development

    Charge customers every week or month, automatically

    Best for: Gyms, schools, clubs, software and anything paid on a schedule.

    • Daily, weekly or monthly plans, with a start and an end date
    • The customer agrees once, with a code on their phone
    • Pause, resume or cancel a subscription
    • A receipt and a webhook for every payment

    GH₵50 · monthly

    More on subscriptions

  • QR payments

    Codes customers scan to pay, with GhQR on the way

    Best for: Shops, markets, restaurants and anyone paid in person.

    • A QR code in your colour, with your logo, ready to print
    • A code for your own link, a fixed price or a page of products
    • Scanned with any phone's camera: no app to install
    • Coming: GhQR, scanned from any banking or MoMo app

    Scan to pay

    More on qr payments

  • Virtual cards

    In development

    Cards from your balance for ads, software and suppliers

    Best for: Businesses that pay for ads, software or suppliers online.

    • Cards made in seconds, funded from your balance
    • A spending limit on each card
    • Freeze or close a card at any time
    • Every purchase on record, with where it was spent

    •••• 0042

    More on virtual cards

  • Payment pages

    Your own page for products, tickets or donations

    Best for: Anyone with more than one thing on offer: food, events, causes.

    • Products with pictures, prices and stock that counts down
    • Event tickets, each with a QR code to check in at the door
    • Donations with amounts to tap, any amount, and a goal
    • Questions for your customers, answered before they pay

    xtopay.me/you/tasting-night

    More on payment pages

Where your customers pay

Whichever product you use, your customers see your name, pay by MoMo or card, and get a receipt. 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.

One platform

The dashboard, records, team and security every product comes with. You don't buy it; it arrives with your first product.

See the platform

Every product, from your own code

The Xtopay API creates checkouts, charges MoMo, sends transfers, and manages your links, pages, invoices and customers, with signed webhooks for every change.

See the API