Introduction
Developer-first billing, payments, subscriptions, and commerce infrastructure for Africa.
Build, bill, and scale with Xtopay
Xtopay is a developer-first billing and commerce platform that helps businesses accept payments, automate subscriptions, manage usage-based billing, sell digital products, and grow revenue across Africa.
Whether you're building a SaaS platform, AI product, marketplace, API business, creator platform, or digital storefront, Xtopay provides the infrastructure needed to monetize and scale.
What is Xtopay?
Xtopay combines billing automation, payment processing, subscription management, digital commerce, and developer tooling into a single platform.
Instead of stitching together multiple providers for payments, subscriptions, invoicing, credits, and customer management, you can manage everything through a unified API and dashboard.
Payments
Accept card payments, mobile money, bank transfers, and local payment methods through a single integration.
Subscriptions
Create recurring billing plans, free trials, upgrades, downgrades, and automated renewals.
Usage Billing
Meter API requests, tokens, storage, seats, messages, and other billable usage events.
Credit Wallets
Build prepaid credit systems, balance wallets, and pay-as-you-go products.
Platform Capabilities
Products & Pricing
Create products, pricing models, plans, and billing structures.
Invoices & Quotes
Generate invoices, send quotes, collect payments, and automate billing workflows.
Digital Commerce
Sell software, digital downloads, licenses, memberships, and online services.
Storefronts
Launch hosted storefronts, checkout pages, and payment links without writing code.
Built for Modern Business Models
Xtopay supports multiple monetization strategies out of the box.
Subscription Businesses
- Monthly billing
- Annual billing
- Free trials
- Prorated upgrades
- Customer portals
- Automatic renewals
Usage-Based Businesses
- API billing
- AI token billing
- SMS billing
- Storage billing
- Seat-based pricing
- Overage management
Credit-Based Businesses
- Wallet balances
- Credit purchases
- Top-ups
- Auto recharge
- Bonus credits
- Shared balances
Digital Commerce
- Digital products
- Software licenses
- Downloads
- Membership access
- Affiliate programs
- Discount codes
Payments Across Africa
Xtopay enables businesses to collect payments through local and international payment methods.
Supported payment channels include:
- Visa
- Mastercard
- Mobile Money
- Bank Transfers
- Virtual Accounts
- Local Payment Methods
Our payment infrastructure is designed to provide reliable payment acceptance while abstracting the complexity of multiple providers and payment networks.
API First
Everything available in the Xtopay Dashboard is also available through our APIs.
Base URL
https://api.xtopay.co/v1Authentication
Authenticate API requests using your secret API key.
Authorization: Bearer YOUR_API_KEYYou can create, rotate, and revoke API keys from the Developer section of the dashboard.
Example Request
curl https://api.xtopay.co/v1/payments \
-H "Authorization: Bearer YOUR_API_KEY"Webhook-First Architecture
Xtopay delivers real-time events whenever important activity occurs in your account.
Examples include:
- Payment succeeded
- Payment failed
- Subscription created
- Subscription renewed
- Invoice paid
- Credit balance updated
- Refund processed
All webhook payloads are signed using your webhook secret to ensure authenticity and integrity.
x-xtopay-signatureWebhook deliveries, retries, response codes, and event logs can be monitored directly from the dashboard.
SDKs
Official SDKs are available for:
- JavaScript / TypeScript
- Node.js
- Python
- PHP
- Go
More SDKs are added regularly.
Start Building
Ready to integrate?
Quick Start
Create your first API key and process your first payment.
Authentication
Learn how to securely authenticate requests.
Payments API
Accept payments and manage transactions.
Webhooks
Receive real-time events from Xtopay.
Why Xtopay?
- Developer-first APIs
- Built for Africa
- Subscription billing
- Usage-based billing
- Credit wallets
- Digital commerce
- Modern checkout experiences
- Real-time webhooks
- Scalable infrastructure
Build your business. Let Xtopay handle the billing.
How is this guide?