Introduction
Xtopay — billing and commerce infrastructure for Africa and emerging markets.
Introduction
Xtopay is a developer-first billing and commerce infrastructure platform built for Africa and emerging markets. Think Stripe Billing, Paddle, and Lemon Squeezy — combined and designed for the realities of African commerce.
What you can build
Subscription billing
Recurring plans with trials, pauses, upgrades, and dunning.
Usage-based billing
Meter any event and charge customers for exactly what they consume.
One-time payments
Accept cards, mobile money, bank transfers, and USSD across Africa.
Hosted checkout
A conversion-optimised payment page with zero front-end work.
Customer portal
Let customers manage their own subscriptions and billing details.
Webhooks
React to every payment, subscription, and billing event in real time.
Payment methods supported
| Method | Countries |
|---|---|
| Cards (Visa, Mastercard) | All of Africa |
| Mobile Money | Ghana (MTN, Vodafone, AirtelTigo), Uganda, Tanzania, Rwanda, Kenya |
| Bank Transfer | Nigeria, Ghana, Kenya, South Africa |
| USSD | Nigeria, Ghana |
| QR Codes | South Africa, Kenya |
Who this is for
Xtopay is built for software engineers and product teams at African SaaS companies, digital businesses, and platforms who want to ship monetisation features without building billing infrastructure from scratch.
API basics
- Base URL:
https://api.xtopay.co/v1 - Protocol: HTTPS only
- Format: JSON request and response bodies
- Auth: HTTP Basic Auth with your Client ID and Client Secret