Why Xtopay
WhyXtopay
Stop taking payments on a personal number.
Most businesses in Ghana are paid by MoMo to a number read out at the counter or typed into a chat. Xtopay asks your customer's phone for the exact amount, checks the payment, records it with a receipt, and pays the money to your MoMo wallet or bank.
- Free to sign up
- MoMo on every network
- 1.95% per payment
Payment received for GH₵450.00 from KOFI MENSAH. Transaction ID 7712045. Your new balance is GH₵1,250.00.
Anyone can type this
Confirmed with the network · receipt sent
A personal number costs more than it looks
Giving out your number is free. What it costs shows up later: in fakes, mistakes and evenings spent counting.
- Fake “payment received” texts
- A text message can say anything. Goods go out for payments that never came, because the message looked real.
- Wrong numbers, wrong amounts
- The customer types your number and the amount themselves. One digit off, and the money goes to someone else, or less of it arrives.
- No record of who paid for what
- Payments arrive as a name and a figure. Matching them to orders means scrolling through texts, screenshots and memory.
- Business money mixed with your own
- Takings, airtime and family transfers share one wallet, so you never quite know what the business made.
- Counting it all up by hand
- Someone adds up the day at night, and there's no clean statement to show a bank, a partner or yourself.
What changes with Xtopay
The same customers, paying the way they already do. Everything around the payment changes.
| What | On a personal number | With Xtopay |
|---|---|---|
| Knowing it's real | A text anyone can type | Marked paid only after Xtopay checks the payment itself, never on a message |
| The amount | Typed by the customer | Set by you: the customer's phone asks for exactly that, and they approve it with their MoMo PIN |
| The record | Texts and screenshots | Every payment with the customer's name, what it was for and a receipt, in one dashboard |
| Your money | Mixed with your own | In your Xtopay balance, paid out to your MoMo wallet or bank when you choose |
| Asking to be paid | Reading out your number | A link, a QR code, a payment page or an invoice, ready in minutes |
| What it costs | Nothing up front | 1.95% per MoMo payment, added to what the customer pays unless you choose to pay it. Signing up is free |
Everything you need to get paid
One account, and every way to ask for money: at the counter, in the chat, at the door or on your website.
Built to be trustedwith money
| Money in | Payments | Marked paid only after Xtopay has asked the payment provider, never on a message alone. | For you |
|---|---|---|---|
| Card numbers | Typed only on the card provider's secure page, never on Xtopay's. | For your customers | |
| Money out | Payout accounts | Only the owner adds them. The registered name is looked up first, and the owner confirms with their password. | For you |
| A new payout account | Waits 24 hours before anything can be paid to it, and every change is emailed to the owner. | For you | |
| Your account | Signing in | Two-step sign-in with an authenticator app, or a passkey. Owners must use two-step sign-in, and can require it of the whole team. | For your team |
| Withdrawals and live keys | Ask for a fresh code from your authenticator app, or your passkey, even when you're signed in. | For you | |
| Live API keys | Can be locked to your own servers' IP addresses. | For your developers |
Built for payments, powered by Sendexa
Xtopay does one thing: get businesses in Ghana paid. It has its own product and its own team, and every decision is about money moving safely from your customer to you.
It runs on Sendexa, the Ghanaian technology company that already sends SMS, WhatsApp and email for businesses. The codes that confirm a customer's number before a MoMo prompt goes to it are sent with Sendexa.
Xtopay is operated by Sendexa Limited.
About XtopayQuestions
The ones people ask us most. Open a question for its answer.
Do my customers need an app?
No. They get a MoMo prompt on their phone and approve it with their PIN, or pay on your page in any browser. Nothing to download, and no account to make.Do I need a registered business?
No. Individuals can sign up too. Before any money is paid out, we check who you are: your business, or your Ghana Card.How do I get my money?
From your Xtopay balance to your MoMo wallet or bank account: whenever you ask, or every day or week on a schedule. A payout costs 1.5% to MoMo (at most GH₵20.00), GH₵10.00 to a bank.What does it cost?
Signing up is free, with no monthly fee. Each successful MoMo payment costs 1.95%, added to what your customer pays unless you choose to pay it yourself. A payment that fails costs nothing.How do I know a payment is real?
A payment only shows as paid in Xtopay once we've checked it ourselves, never because a message said so. If it's in your dashboard as paid, the money is in your balance.Who is behind Xtopay?
Xtopay is built in Ghana and powered by Sendexa, the Ghanaian company behind SMS, WhatsApp and email tools for businesses. It's operated by Sendexa Limited.
Still have a question?
Write to us or call, and a person at Xtopay will help.