Skip to content
xtopay
NewThe Xtopay API is live: checkouts, transfers and signed webhooks

Transfers

Pay people straight from your balance

Pay riders, suppliers, agents or winners from your Xtopay balance through the API. You set the limits, big transfers wait for your approval, and every one is on record.

Create your free account The owner's controls

Transfers

Live

  • Kwame Asante

    MTN MoMo 024 ••• 0101 · Rider pay, week 43

    GH₵120.00Successful

  • Esi's Farm Supplies

    GCB Bank ••• 8871 · Tomatoes, 40 crates

    GH₵2,400.00Needs approval

  • Yaw Boateng

    Telecel Cash 020 ••• 3344 · Rider pay, week 43

    GH₵120.00Successful

  • Akosua Dede

    AT Money 027 ••• 5512 · Raffle prize

    GH₵500.00Processing

What it does

  • Any MoMo wallet on the three networks, or any bank account
  • The registered name, looked up before you send
  • Limits per transfer and per day, set by the owner
  • Big transfers wait for the owner's approval
The problem
Paying many people by hand, one MoMo transfer at a time, is slow and easy to get wrong.
Best for
Businesses that pay many people: riders, agents, suppliers, winners.
You can count on
Live sending stays off until the owner switches it on, with a code from their phone.

In detail

Send money without losing control

  • Wallets and banks

    MTN MoMo, Telecel Cash and AT Money wallets, and accounts at Ghana's banks, from the same request.

  • Check the name first

    Look up the name a number or account is registered to before you send, so money goes to the right person.

  • Limits you set

    The most per transfer and the most per day. Anything over is refused, even with a valid key.

  • Big ones wait for you

    Transfers over your approval amount are held. You approve or decline them, and money is never spent twice.

  • Locked to your servers

    Live transfers need a verified business and an IP allowlist on your live key, so a leaked key can't send from anywhere.

  • You hear about changes

    The owner is emailed when sending is switched on or off, when limits change, and when a transfer needs approval.

From your system

One request per person you pay

Your system sends the amount, who it's for and what it's for. Xtopay sends the money and tells your server how it went.

  • From your available balance, in cedis
  • Safe to retry with an Idempotency-Key
  • A signed webhook when it's sent, or if it fails
More for developers
Send a rider's pay
curl https://api.xtopay.co/v1/transfers \  -H "Authorization: Bearer sk_live_…" \  -H "Idempotency-Key: rider-0931" \  -H "Content-Type: application/json" \  -d '{    "amount": 120,    "recipient": {      "type": "momo",      "phone": "024 555 0101",      "name": "Kwame Asante"    },    "description": "Rider pay, week 43"  }'

The owner's controls

Off until you switch it on

Your developer builds it; you decide how far it can go. Live sending stays off until you turn it on, within the limits you set.

  • Only the owner switches sending on, with a code from their phone
  • Limits per transfer and per day
  • Unapproved transfers are declined after 24 hours

Send money

Only the owner changes this

  • Business verified
  • IP allowlist on your live key
Live sending
Most per transferGH₵5,000.00
Most per dayGH₵20,000.00
Approve transfers over GH₵1,000.00

Changes need a code from your phone

Getting started

From test to your first live transfer

  1. 1

    Build with test keys

    Your developer sends test transfers. No money moves.

    sk_test_…

  2. 2

    Verify your business

    Live transfers need a verified business and an IP allowlist on your live key.

    Ghana Card and a selfie

  3. 3

    Switch sending on

    Set your limits and your approval amount, then turn live sending on.

    Owner only

Transfers are sent through the Xtopay API, so you'll need a developer to connect your system. To pay yourself, use payouts.

Questions

Where does the money come from?
Your available Xtopay balance: what your customers have paid you, once it's settled. A transfer that fails or is declined puts its money back.
Can I send to any network?
Yes: MTN MoMo, Telecel Cash, AT Money, and bank accounts in Ghana.
What if our key leaks?
Live transfers only come from the IP addresses on your allowlist, and never beyond your limits. Switch sending off and roll the key, and it stops working at once.
Who sees the transfers?
Everyone on your team can see what was sent and how it ended. Only the owner approves, declines or changes the limits.

Works with

The rest of Xtopay