The Billing & Payments Platform for African Businesses
From subscriptions and usage metering to credit wallets and hosted checkout — everything African startups need to monetize.
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Trusted by 500+ businesses across Africa
The problem
You’re shipping products. Why are you still building billing infrastructure?
Every African SaaS team reinvents the same plumbing — payment webhooks, subscription state machines, invoice generation, proration logic. Xtopay eliminates all of it.
Without Xtopay
With Xtopay
Copy-pasting Paystack webhook handlers every new project
One Xtopay integration handles all payment events
Hand-rolling subscription logic and proration math
Subscriptions, upgrades, and downgrades out of the box
Building invoice PDF generators from scratch
Branded invoices generated and delivered automatically
Wiring up usage metering to your billing manually
Usage-based billing with real-time metering built in
How it works
Up and running in minutes,
not months.
No lengthy onboarding. No integration consultants. Just clean APIs and clear docs.
Create your account
Sign up in seconds. Grab your live and test API keys instantly — no sales call, no waiting, no long KYC form.
Integrate once
Drop in our SDK or call the REST API directly. One integration covers subscriptions, one-time charges, usage billing, credit wallets, and invoices.
Go live & get paid
Accept payments across Africa in minutes. Payouts settle into your account daily, weekly, or on your custom schedule.
1import Xtopay from "@xtopay/node";23const xtopay = new Xtopay(process.env.XTOPAY_SECRET_KEY!);45const session = await xtopay.checkout.create({6 amount: 29900, // GHS 299.007 currency: "GHS",8 customer: { email: "kofi@acme.co" },9 success_url: "https://acme.co/thanks",10});1112// redirect customer to session.urlFirst payment in < 30 minutes
Read quickstart →Billing Orchestration
Every billing primitive.
One clean API.
Subscriptions, one-time charges, usage metering, invoices, and credit wallets — all flowing through Xtopay into a single, consolidated ledger.
Subscriptions
Recurring plans
One-time Payments
Direct charges
Usage Metering
Per-unit billing
Invoice Billing
B2B net terms
Credit Wallets
Prepaid balance
Invoice
INV-2405-0091
Pro Plan · Monthly
GHS 299.00
API calls · 1.2M req
GHS 84.00
SMS notifications · 430
GHS 12.90
Total
GHS 395.90
Settled via Xtopay
Billing Sources
Invoice
INV-2405-0091
Pro Plan · Monthly
GHS 299.00
API calls · 1.2M req
GHS 84.00
SMS notifications · 430
GHS 12.90
Total
GHS 395.90
Settled via Xtopay
What’s included
Everything you need to monetize
One platform covers the entire revenue stack — from first payment to recurring billing, usage metering, and beyond.
Payments
Accept cards, mobile money, bank transfers, and USSD across Africa with a single API.
Subscriptions
Flexible billing cycles, seat-based pricing, trials, pauses, upgrades, and downgrades — handled.
Usage Billing
Meter any event in real time. Bill customers exactly for what they consume, nothing more.
Credit Wallets
Issue prepaid wallets to customers. Let them top up and spend within your platform.
Hosted Checkout
A conversion-optimised checkout page that handles payment, tax, and receipts for you.
Invoicing
Auto-generate branded invoices, send them on schedule, and track payment status in real time.
Webhooks
Reliable, signed webhook delivery with automatic retries and a full event log.
Digital Commerce
Sell digital products, SaaS licenses, and API access with built-in entitlement management.
Payment methods
Every way Africans pay, out of the box
From mobile money in Ghana to bank transfers in Nigeria and cards everywhere — Xtopay connects to the payment rails your customers already trust.
15+
African countries
40+
Payment methods
8
Currencies
99.9%
Uptime SLA
Mobile Money
Cards
Bank Transfer
USSD
Developer-first
Built for builders, not accountants
Clean REST APIs, typed SDKs, and webhooks that just work. Go from zero to first payment in under 30 minutes — no dashboard required.
- RESTful API with full OpenAPI spec
- SDKs for Node, Python, PHP, Go
- Signed webhooks with retry logic
- Idempotency keys on every endpoint
1import Xtopay from "@xtopay/node";23const xtopay = new Xtopay("sk_live_••••••••");45// Create a subscription6const subscription = await xtopay.subscriptions.create({7 customer: "cust_01jf3kq...",8 plan: "plan_pro_monthly",9 trial_days: 14,10});1112// Charge usage13await xtopay.usage.record({14 subscription: subscription.id,15 metric: "api_calls",16 quantity: 1_000,17});1819console.log(subscription.status); // "trialing"Security & compliance
Bank-grade security,
built in by default.
Security isn't a checkbox at Xtopay. It's the foundation. Your data and your customers' money are protected at every layer.
PCI DSS Level 1
The highest tier of payment card industry compliance. Your customers' card data is never stored on your servers.
AES-256 Encryption
All sensitive data encrypted at rest with AES-256. All data in transit protected with TLS 1.3 — the same standard used by major banks.
Signed Webhooks
Every webhook is HMAC-SHA256 signed so you can verify events are genuinely from Xtopay — reject anything that isn't.
Fraud Detection
Real-time risk scoring on every transaction. Suspicious patterns are flagged, held, or blocked automatically before money moves.
SOC 2 Type II
Independently audited security, availability, and confidentiality controls. Our security posture is verified — not self-reported.
Data Residency
Choose where your data lives. African data stays on African infrastructure. Full NDPR and GDPR compliance built in.
Trusted by 3,200+ businesses across Africa —
PCI DSS L1SOC 2 Type IIISO 27001NDPRGDPR$2.4B+
Payment volume processed
Across cards, mobile money, and bank transfers
3,200+
Businesses on Xtopay
From solo founders to enterprise teams
15
African countries
With more markets launching every quarter
99.97%
Platform uptime
Built on redundant infrastructure across regions
Client Testimonials
See how teams are winning with our platform
Our workflow is finally streamlined. What used to take hours now happens automatically, giving our team more time to focus on strategic work.
Jessica Thompson
Head of Operations
Emily Davis
VP of Product
This platform replaced multiple tools for us. The visibility, speed, and control we now have across projects is a game changer.
Linda Brown
Chief Technology Officer
Get started today
Start accepting payments across Africa in minutes
Join thousands of African businesses using Xtopay to power their billing, subscriptions, and revenue infrastructure.
- No credit card required to start
- Live in under 30 minutes
- Cancel or switch plans anytime