Payments Built for Fast-Moving Startups
Launch faster with ready-to-use payments and dashboard tools designed specifically for startup growth and scalability.
Everything You Need to Scale Fast
Xtopay provides the complete payments stack with tools designed specifically for high-growth startups.
Instant Activation
Get started in minutes with instant account approval and zero paperwork.
Real-time Analytics
Built-in dashboards to track your payment performance and customer behavior.
Rapid Integration
Developer-friendly APIs with comprehensive documentation and SDKs.
Flexible APIs
Customizable payment flows that adapt to your unique business needs.
Enterprise-grade Security
PCI-DSS Level 1 compliant with fraud prevention tools built-in.
Scalable Infrastructure
Handles from your first payment to millions without missing a beat.
The Xtopay Startup Program
We go beyond payments to help your startup succeed. Our exclusive program gives you the resources and support to accelerate your growth.
No setup fees or hidden charges
First $50,000 in payments with 0% fees
Dedicated startup success manager
Exclusive access to investor network
Priority technical support
Custom growth consulting sessions
Startup Special
Get 1.4% + $0.25 per transaction for your first $500K in payments (normally 2.9% + $0.30).
Eligibility Requirements
- Less than $2M in funding
- Under 2 years in operation
- Less than $1M annual processing volume
How to Apply
- Create your Xtopay account
- Submit your startup details
- Get approved within 24 hours
Developer-Friendly Integration
Built by developers, for developers. Get started with our clean, well-documented APIs and SDKs.
// Accept a payment with Xtopay
import { Xtopay } from 'xtopay-js';
const payment = await Xtopay.charges.create({
amount: 2000, // $20.00
currency: 'usd',
source: 'tok_visa', // token from Xtopay.js
description: 'Payment for Premium Plan'
});7+ SDKs
JavaScript, Python, Ruby, PHP, Java, Go, and .NET
Webhooks
Real-time notifications for all payment events
Test Mode
Sandbox environment with test cards
API Reference
Detailed documentation with examples
Need help integrating?
Our developer advocates are ready to assist you with your implementation.
Contact Developer SupportTrusted by Innovative Startups
Join thousands of fast-growing companies who rely on Xtopay for their payments infrastructure.
"Xtopay's startup program helped us save thousands in payment processing fees during our critical early growth phase. Their APIs were a breeze to integrate."
Sarah Chen
CEO, BloomTech
"As a technical founder, I appreciate how well-documented and stable Xtopay's APIs are. We switched from another provider and haven't looked back."
James Rodriguez
CTO, NexaAI
"The dedicated startup support team at Xtopay helped us navigate complex payment flows for our marketplace. Their expertise was invaluable."
Priya Patel
COO, ShareSpace
Ready to Power Your Startup with Xtopay?
Join thousands of startups who trust Xtopay for their payments infrastructure. Get started in minutes.
No credit card required • 24-hour approval for startups • Special rates for YC, Techstars, and 500 Startups companies