Accept Cards, Mobile Money, & Bank Links Across Africa
Integrate a single, highly-optimized payments gateway. Accept local card schemes, MTN, Telecel, AirtelTigo, and bank transfers in 8+ currencies. Complete with split payouts and instant local ledger settlements.
99.98%
API Gateway Uptime
8+ Currencies
GHS, NGN, KES, USD...
< 2.1s
Avg Momo Processing
Secure Checkout
Sendexa Limited · Payment Intent
Payments are fully secured and logged in cryptographic registry.
Payment Roadblocks
Processing African transactions shouldn't feel like rocket science
African commerce is localized, mobile-centric, and multi-currency. Traditional one-size-fits-all billing gateways simply weren't built for the continent.
Payment Fragmentation
Checkout drop-offs
More than 60% of checkout drop-offs in Africa occur when customers don't find their preferred local wallet (like MTN or Telecel) or local card schemes.
Liquidity Bottlenecks
Days to settle payouts
Traditional payment gateways lock your settled balances for up to 7 business days, creating massive working capital strain for high-velocity startups.
Distribution Overhead
Manual splits & audits
Writing scripts or handling manual spreadsheet distributions for vendor commissions, affiliates, and local payouts introduces human error and regulatory risk.
Xtopay solves this with a highly-optimized, direct bank payment architecture. Create account in 5 minutes →
Redundant Routing Core
Direct Central Bank Node Routing
Bypass intermediate clearing gateways. Xtopay routes multi-currency payments natively through carrier switches and central bank ledgers for maximum speed and security.
Active Transaction Pipeline (GHS)
Customer
Sender Wallet
Xtopay Core
Bank Node Switcher
Carrier Switch
MTN MoMo
Reserve Bank
Final Settlement
Natively routed through central Ghipss switches, bypassing retail bank settlement delays completely.
Active Connection Ledger
Xtopay payment nodes clears balances instantly at reserve ledgers every 60 seconds.
Supported Channels
Direct Ledger Connectivity to 8+ Major Channels
Accept local Mobile Money options, major domestic and international card networks, and secure bank links with direct settlement clearing switches.
MTN Mobile Money
Mobile Wallet · Real-time ledger
Telecel Cash
Mobile Wallet · Real-time ledger
AirtelTigo Money
Mobile Wallet · Real-time ledger
Visa Card Link
Global Scheme · Immediate Auth
Mastercard
Global Scheme · Immediate Auth
Verve Scheme
Regional Card · Immediate Auth
Gh-Link Network
National Card · Immediate Auth
Hubtel Payments
Unified Node · Direct Switch
Automated Payout Operations
Automate Split Commissions At Checkout
Write code or drag the slider below to see how Xtopay automatically parses basis points, calculates splits, and settles payouts instantly to multiple vendor wallets.
Configure Split Parameters
Basis point configurations allow merchants to execute precise fractional commission splits without rounding errors.
Direct Ledger Distribution
Settles instantly into primary treasury account.
Routed instantly to connected vendor account ledger.
Standard base processing gateway fee.
⚡ Both primary and partner ledger payouts are finalized inside local reserve bank ledgers with same-day liquidity withdrawals.
Product Capabilities
Engineered for high-volume transactions
A solid infrastructure featuring redundancy at every layer. Settle payments with confidence, from small memberships to massive regional consumer platforms.
Unified Checkout
Accept Visa, Mastercard, Verve, MTN, Telecel, AirtelTigo and Direct Transfers in one sleek interface.
Flexible Splits
Automate complex payout logic. Split transactions instantly between multiple partner vendors or bank accounts.
Direct Bank Nodes
Direct server-to-bank node integration avoids third-party gateway bottlenecks, driving higher transaction success rates.
Multi-Currency Ledger
Accept and track payments in GHS, NGN, KES, UGX, ZAR, and USD. Settle funds directly into your wallet.
Fraud Radar Protection
Intelligent threat detection scans wallets, IPs, and historical transactions to halt fraudulent activity instantly.
Cryptographic Ledgers
All payments are logged in a tamper-proof cryptographic registry, guaranteeing audit accuracy for your accountants.
Processing transaction payloads made simple
Direct server-side API or rich SDK integrations handle card auth, Momo confirmation overlays, and bank-split payouts with simple, unified JSON responses.
Native REST API
Clean HTTP endpoints with predictable JSON payloads
Signed webhooks
HMAC-SHA256 event delivery with automatic retries
Typed SDKs
First-class types for Node.js, Python, Go, and PHP
1curl -X POST https://api.xtopay.co/v1/payments \2 -H "Authorization: Bearer sec_live_..." \3 -H "Content-Type: application/json" \4 -d '{5 "amount": 25000,6 "currency": "GHS",7 "email": "customer@example.com",8 "payment_method": "mobile_money",9 "mobile_money": {10 "phone": "0551234567",11 "provider": "mtn"12 },13 "split": {14 "account": "acct_01HXYZ...",15 "commission_bps": 50016 }17 }'{ "id": "pay_01HRZ1A...", "object": "payment", "amount": 25000, "currency": "GHS", "status": "success", "payment_method": "mobile_money", "reference": "xtp_ref_9823176", "customer": { "email": "customer@example.com" }, "split": { "account": "acct_01HXYZ...", "amount_settled": 1250, "commission_bps": 500 }, "created_at": "2026-05-28T01:06:30Z"}Ready to power high-fidelity payments?
Integrate Xtopay Payments into your checkout today. Experience industry-leading transaction success rates and same-day ledger settlements.