Overview
Accept payments, send money, receive money, and initiate direct debits across Africa through a single API.
Payment APIs
Xtopay provides a unified set of payment APIs that cover every money movement scenario — from hosted checkout pages to direct mobile money transfers.
Payment Methods
Xtopay supports the following payment channels across all APIs:
| Method | Description |
|---|---|
| Card | Visa and Mastercard (debit & credit) |
| Mobile Money | MTN MoMo, Telecel Cash, AirtelTigo Money, M-Pesa |
| Bank Transfer | Direct bank account transfers and virtual accounts |
| Digital Wallet | Xtopay, Kowri, Expresspay |
| USSD | Offline payments via USSD codes |
API Categories
Online Checkout
Generate a hosted checkout link and redirect customers to a secure payment page.
Checkout SDK
Embed a seamless payment modal directly in your web or mobile app.
Direct Receive Money
Programmatically prompt a customer to approve a Mobile Money pull payment.
Direct Send Money
Send money to a customer's Mobile Money wallet or bank account instantly.
Direct Send-To-Bank
Disburse funds directly to a bank account via bank transfer.
Direct Debit
Pull recurring payments from a customer's bank account on a schedule.
Common Concepts
Amounts
All amounts are in minor units (the smallest currency denomination):
5000= GHS 50.0010000= NGN 100.002500= KES 25.00
References
Every payment has a unique reference ID (e.g. pay_cl8z2e8z20000g) that you use to retrieve, track, or refund it.
Environments
API keys are scoped to TEST or LIVE. Test mode transactions do not move real money. Use test credentials from your dashboard to simulate all payment scenarios.
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